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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746676\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r. or 'the Group') is one of the largest insurers 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 'Nu, later en altijd', in the fields of insurance, pensions, and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties. In 2024, a.s.r. sold insurance products under the following labels: a.s.r., Aegon, and Loyalis. </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 7,373 internal FTE\u2019s (2023: 7,994 of which 7,556 excluding Knab). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA inUtrecht, 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--21083\">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>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2024 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 25 March 2025. The financial statements 2024 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 21 May 2025. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746676\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r. or 'the Group') is one of the largest insurers 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 'Nu, later en altijd', in the fields of insurance, pensions, and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties. In 2024, a.s.r. sold insurance products under the following labels: a.s.r., Aegon, and Loyalis. </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 7,373 internal FTE\u2019s (2023: 7,994 of which 7,556 excluding Knab). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA inUtrecht, 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--21083\">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>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2024 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 25 March 2025. The financial statements 2024 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 21 May 2025. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746676\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r. or 'the Group') is one of the largest insurers 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 'Nu, later en altijd', in the fields of insurance, pensions, and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties. In 2024, a.s.r. sold insurance products under the following labels: a.s.r., Aegon, and Loyalis. </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 7,373 internal FTE\u2019s (2023: 7,994 of which 7,556 excluding Knab). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA inUtrecht, 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--21083\">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>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2024 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 25 March 2025. The financial statements 2024 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 21 May 2025. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746676\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r. or 'the Group') is one of the largest insurers 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 'Nu, later en altijd', in the fields of insurance, pensions, and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties. In 2024, a.s.r. sold insurance products under the following labels: a.s.r., Aegon, and Loyalis. </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 7,373 internal FTE\u2019s (2023: 7,994 of which 7,556 excluding Knab). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA inUtrecht, 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--21083\">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>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2024 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 25 March 2025. The financial statements 2024 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 21 May 2025. </p>",
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   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746676\"><span class=\"number\">7.1.1 </span><span class=\"title-text\">General information </span></h1>\n<p>ASR Nederland N.V. (a.s.r. or 'the Group') is one of the largest insurers 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 'Nu, later en altijd', in the fields of insurance, pensions, and mortgages for customers, businesses and employers. a.s.r. is also active as an asset manager for third parties. In 2024, a.s.r. sold insurance products under the following labels: a.s.r., Aegon, and Loyalis. </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 7,373 internal FTE\u2019s (2023: 7,994 of which 7,556 excluding Knab). </p>\n<p>a.s.r. is a public limited company under Dutch law having its registered office located at Archimedeslaan 10, 3584 BA inUtrecht, 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--21083\">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>These statements have been prepared on a going concern basis. </p>\n<p>The financial statements for 2024 were authorised for issue by the Executive Board (EB) and approved by the Supervisory Board (SB) on 25 March 2025. The financial statements 2024 will be presented to the Annual General Meeting (AGM) of Shareholders for adoption on 21 May 2025. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-0": {
   "value": "ASR Nederland N.V.",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-6": {
   "value": "in the fields of insurance, pensions, 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-2": {
   "value": "public limited company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-4": {
   "value": "Archimedeslaan 10, 3584 BA",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-5": {
   "value": "Utrecht",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-1": {
   "value": "the Netherlands",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-3": {
   "value": "the Netherlands",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-482": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746700\"><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=\"#n2745977\" title=\"Accounting policies\">section 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>EU-IFRS differs from International Financial Reporting Standards Accounting Standards as issued by the International Accounting Standards Board (IFRS). Under EU-IFRS, 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. This is the only difference between EU-IFRS as applied by a.s.r. and 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
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  "ixv-483": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746700\"><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=\"#n2745977\" title=\"Accounting policies\">section 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>EU-IFRS differs from International Financial Reporting Standards Accounting Standards as issued by the International Accounting Standards Board (IFRS). Under EU-IFRS, 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. This is the only difference between EU-IFRS as applied by a.s.r. and 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-8": {
   "value": "592000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IntangibleAssetsAndGoodwill",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-9": {
   "value": "649000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IntangibleAssetsAndGoodwill",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-10": {
   "value": "676000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-11": {
   "value": "732000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-12": {
   "value": "3364000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentProperty",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-13": {
   "value": "3051000000.0",
   "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": {
   "value": "457000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-15": {
   "value": "426000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-16": {
   "value": "80593000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
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  },
  "ixv-17": {
   "value": "90006000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
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  "ixv-18": {
   "value": "33025000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsForRiskOfPolicyholders",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-19": {
   "value": "30352000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsForRiskOfPolicyholders",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:EUR"
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  },
  "ixv-20": {
   "value": "11767000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DerivativeFinancialAssets",
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   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n2745977\"><span class=\"number\">7.3 </span><span class=\"title-text\">Accounting policies </span></h1>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745995\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2024 </span></h1>\n<p>In 2024, no changes in EU endorsed published IFRS Standards and Interpretations are relevant to a.s.r. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746016\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation as recognised in the 2023 financial statements, primarily following the sale of Knab, further harmonisation between a.s.r. and Aegon NL and the refinements related to the implementation of IFRS 17 and IFRS 9. These immaterial (on a qualitative basis) changes in presentation have no impact on a.s.r.'s past or future financial position, financial performance, or cash flows from operating, investing and financing activities. </p>\n<p>The following restatements, given their nature, are explained in more detail: </p>\n<div class=\"header header-2\">Reclassification of Knab to discontinued operations </div>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG. Closing of the transaction took place on 1 November 2024. Knab's results have therefore been reclassified from continuing to discontinued operations, in line with the requirements of IFRS 5. This reclassification has resulted in a single amount of \u20ac\u00a082 million presented as result after tax from discontinued operations in the 2023 consolidated income statement and \u20ac\u00a07 million presented as other comprehensive income after tax from discontinued operations in the 2023 consolidated statement of comprehensive income. For further details, please refer to <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </p>\n<div class=\"header header-2\">Changes to the presentation of the Consolidated statement of cash flows: </div>\n<p>Due to a reassessment of the presentation of the cash flow statement in 2024, the 2023 comparative figures for the cash flows from operating activities were adjusted for the revaluation through profit or loss (\u20ac\u00a0357 million) as part of the adjustment for non-cash items included in the result, with a corresponding opposite adjustment in the changes in operating assets and liabilities. </p>\n<div class=\"header header-2\">Cash collateral </div>\n<p>The presentation of cash collateral paid (2023: \u20ac2.3 billion) has been changed to align more with industry practice and is included in other assets and not in investments. </p>\n<div class=\"header header-2\">Harmonisation between a.s.r. and Aegon NL </div>\n<p>Following further alignment of methodologies and application of policies with Aegon NL, selected comparative figures have also been restated to ensure consistency and comparability. These restatements are part of the ongoing harmonisation process and reflect the integration of Aegon NL into a.s.r.\u2019s financial reporting framework. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746036\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2024 </span></h1>\n<p>The following new standards, amendments to existing standards and interpretations, relevant to a.s.r. and published prior to 1 January 2025 and effective for accounting periods beginning on or after 1 January 2025, were not early adopted by a.s.r.: </p><ul><li>\n<p>IFRS 18: Presentation and Disclosure in Financial Statements (2027); </p></li></ul>\n<div class=\"header header-2\">IFRS 18 Presentation and Disclosure in Financial Statements </div>\n<p>IFRS 18 replaces IAS 1, carrying forward many of the requirements in IAS 1 unchanged and introduces the following key requirements: </p><ul><li>\n<p>present specified categories and defined subtotals in the income statement; </p></li><li>\n<p>provide disclosures on management-defined performance measures (MPMs) in the notes to the financial statements; </p></li><li>\n<p>improve aggregation and disaggregation; </p></li><li>\n<p>the operating profit subtotal is the starting point for the statement of cash flows when presenting the operating cash flows under the direct method. </p></li></ul>\n<p>a.s.r. is currently working to identify all impacts the amendments will have on the primary financial statements and notes to the financial statements. IFRS 18 will be applied retrospectively. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746056\"><span class=\"number\">7.3.4 </span><span class=\"title-text\">Key accounting policies </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746092\"><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 estimated useful life, residual value and fair value of property, plant and equipment, investment property, and intangible assets (see accounting policy <a href=\"#n2746142\" title=\"C. Intangible assets\">C</a>, <a href=\"#n2746160\" title=\"D. Investment property\">D</a> and <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</a>); </p></li><li>\n<p>The fair value and impairments of unlisted financial instruments (see accounting policy <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The recoverable amount of impaired assets (see accounting policy <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n2746178\" 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=\"#n2746858\" title=\"Acquisitions\">section 7.4.5)</a>; </p></li><li>\n<p>The fair value used in measuring the assets held for sale and liabilities related to the assets held for sale (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>); </p></li><li>\n<p>The measurement of insurance contract liabilities and liabilities arising from direct participating insurance contracts (see <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</a>); </p></li><li>\n<p>Actuarial assumptions used for measuring employee benefit obligations (see <a href=\"#n2749383\" title=\"Employee benefits\">section 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=\"#n2749490\" title=\"Provisions\">section 7.5.16</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. is in progress and is expected to continue in the coming years. a.s.r. takes into account in the expense assumptions the estimated synergy effects from the Aegon NL business combination for the part that can be assessed within the budget period. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746122\"><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. </p>\n<p>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 at 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 (excluding money market instruments), 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 and reverse repurchase agreements); </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 and reverse repurchase agreements) </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 at 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, at 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 are 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<div class=\"tanPageBreak newPage\"> </div>\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=\"n2746142\"><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 Book 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=\"n2746160\"><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=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746199\"><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 general measurement model (GMM) or premium allocation approach (PAA) are classified on the balance sheet as insurance contract liabilities and contracts measured using the variable fee approach (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;\">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;\">Individual life </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 (discretionary) 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 (VFA). </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<div class=\"header header-2\">Non-distinct investment components </div>\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 minimum payment that will be made under all circumstances (i.e. the minimum of surrender, lapse and maturity). </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 group of onerous contracts, the date when the group becomes 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 include mortality and longevity trend assumptions for life expectancy. Mortality rate tables applied are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions for life expectancy in the Netherlands and past experience. Mortality experience is monitored through regular studies, the results of which are fed into the pricing cycle for new products and reflected in the liability calculation when appropriate. 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 an interest curve whose construction is related to the Solvency II curve construction published by EIOPA. The construction differs in that a different CRA is determined and used, there is no VA but there is a Liability Illiquidity Premium (LIP), a different UFR is used (2024: 3.25%, 2023: 3.40%; whereas SII used 2024: 3.30%, 2023: 3.45%) and the convergence to the UFR follows a different methodology. </p>\n<p>Insurance pre-recognition cash flows consist of pre-acquisition cash flows and pre-paid premium cash flows for insurance contracts not yet recognised. 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 <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</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, pre-paid premium 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 H. </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 insurance contract revenue following the services provided. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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 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. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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=\"n2746220\"><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=\"n2746239\"><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 of 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=\"#n2746199\" 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 administer most of the post-employment benefit plans and hold 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=\"n2746258\"><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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746074\"><span class=\"title-text\">I. Discontinued operations </span></h1>\n<p>Classification as held for sale occurs when the carrying amount will be recovered principally through a sale transaction rather than through continuing use. </p>\n<p>Classification as a discontinued operation occurs at the earlier of disposal or when the operation meets the criteria to be classified as held for sale. When a group of assets classified as held for sale represents a major line of business or geographical area the disposal group classifies as discontinued operations. </p>\n<p>The comparative consolidated income statement and consolidated statement of comprehensive income are restated to show the discontinued operations separately from the continuing operations. Where applicable in the notes to the financial statements the reclassification to assets held for sale and liabilities relating to assets held for sale are recognised in the changes in the composition of the Group. Should the impairment exceed the carrying value of the non-current assets within the scope of IFRS 5 measurement, any remaining impairment amount will be presented as a separate provision. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746276\"><span class=\"number\">7.3.5 </span><span class=\"title-text\">Other accounting policies </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746294\"><span class=\"title-text\">J. 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 securitisation 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=\"n2746312\"><span class=\"title-text\">K. 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=\"n2746330\"><span class=\"title-text\">L. Segment information </span></h1>\n<p>At organisational level, a.s.r.\u2019s operations have been divided into five operating segments (2023: six, including Banking). The main segments are the Non-life and Life segment that include all insurance activities. The non-insurance activities are presented as three separate segments being the Asset Management, Distribution and Services and Holding and Other segment. There is a clear difference between the risk and return profiles of these five segments. </p>\n<p>Intersegment transactions or transfers are conducted at arm\u2019s length conditions. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746348\"><span class=\"title-text\">M. 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=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746367\"><span class=\"title-text\">N. 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=\"n2746385\"><span class=\"title-text\">O. 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=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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=\"n2746442\"><span class=\"title-text\">R. Other assets </span></h1>\n<p>Other assets include accrued investment income, property developments, collateral (including margin accounts), reverse repurchase agreements, 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=\"n2746460\"><span class=\"title-text\">S. 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=\"n2746478\"><span class=\"title-text\">T. 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=\"#n2746178\" 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=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</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=\"#n2746239\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves and the unappropriated result. </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 program, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</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 <a href=\"#n2746294\" title=\"J. Basis for consolidation - subsidiaries\">J</a>). </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=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746521\"><span class=\"title-text\">V. 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=\"n2746539\"><span class=\"title-text\">W1. 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. </p>\n<p>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=\"n2746557\"><span class=\"title-text\">W2. 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=\"n2746612\"><span class=\"title-text\">W3. 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=\"n2746575\"><span class=\"title-text\">W4. 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=\"n2746593\"><span class=\"title-text\">X. 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=\"#n2746122\" 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) and of Aegon Spaarkas N.V. (Aegon Spaarkas) is based on the partial internal model, while the SCR of the other a.s.r. entities are based on the standard formula, 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-485": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745995\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2024 </span></h1>\n<p>In 2024, no changes in EU endorsed published IFRS Standards and Interpretations are relevant to a.s.r. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746016\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation as recognised in the 2023 financial statements, primarily following the sale of Knab, further harmonisation between a.s.r. and Aegon NL and the refinements related to the implementation of IFRS 17 and IFRS 9. These immaterial (on a qualitative basis) changes in presentation have no impact on a.s.r.'s past or future financial position, financial performance, or cash flows from operating, investing and financing activities. </p>\n<p>The following restatements, given their nature, are explained in more detail: </p>\n<div class=\"header header-2\">Reclassification of Knab to discontinued operations </div>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG. Closing of the transaction took place on 1 November 2024. Knab's results have therefore been reclassified from continuing to discontinued operations, in line with the requirements of IFRS 5. This reclassification has resulted in a single amount of \u20ac\u00a082 million presented as result after tax from discontinued operations in the 2023 consolidated income statement and \u20ac\u00a07 million presented as other comprehensive income after tax from discontinued operations in the 2023 consolidated statement of comprehensive income. For further details, please refer to <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </p>\n<div class=\"header header-2\">Changes to the presentation of the Consolidated statement of cash flows: </div>\n<p>Due to a reassessment of the presentation of the cash flow statement in 2024, the 2023 comparative figures for the cash flows from operating activities were adjusted for the revaluation through profit or loss (\u20ac\u00a0357 million) as part of the adjustment for non-cash items included in the result, with a corresponding opposite adjustment in the changes in operating assets and liabilities. </p>\n<div class=\"header header-2\">Cash collateral </div>\n<p>The presentation of cash collateral paid (2023: \u20ac2.3 billion) has been changed to align more with industry practice and is included in other assets and not in investments. </p>\n<div class=\"header header-2\">Harmonisation between a.s.r. and Aegon NL </div>\n<p>Following further alignment of methodologies and application of policies with Aegon NL, selected comparative figures have also been restated to ensure consistency and comparability. These restatements are part of the ongoing harmonisation process and reflect the integration of Aegon NL into a.s.r.\u2019s financial reporting framework. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746036\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2024 </span></h1>\n<p>The following new standards, amendments to existing standards and interpretations, relevant to a.s.r. and published prior to 1 January 2025 and effective for accounting periods beginning on or after 1 January 2025, were not early adopted by a.s.r.: </p><ul><li>\n<p>IFRS 18: Presentation and Disclosure in Financial Statements (2027); </p></li></ul>\n<div class=\"header header-2\">IFRS 18 Presentation and Disclosure in Financial Statements </div>\n<p>IFRS 18 replaces IAS 1, carrying forward many of the requirements in IAS 1 unchanged and introduces the following key requirements: </p><ul><li>\n<p>present specified categories and defined subtotals in the income statement; </p></li><li>\n<p>provide disclosures on management-defined performance measures (MPMs) in the notes to the financial statements; </p></li><li>\n<p>improve aggregation and disaggregation; </p></li><li>\n<p>the operating profit subtotal is the starting point for the statement of cash flows when presenting the operating cash flows under the direct method. </p></li></ul>\n<p>a.s.r. is currently working to identify all impacts the amendments will have on the primary financial statements and notes to the financial statements. IFRS 18 will be applied retrospectively. </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-486": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745995\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2024 </span></h1>\n<p>In 2024, no changes in EU endorsed published IFRS Standards and Interpretations are relevant to a.s.r. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746016\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation as recognised in the 2023 financial statements, primarily following the sale of Knab, further harmonisation between a.s.r. and Aegon NL and the refinements related to the implementation of IFRS 17 and IFRS 9. These immaterial (on a qualitative basis) changes in presentation have no impact on a.s.r.'s past or future financial position, financial performance, or cash flows from operating, investing and financing activities. </p>\n<p>The following restatements, given their nature, are explained in more detail: </p>\n<div class=\"header header-2\">Reclassification of Knab to discontinued operations </div>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG. Closing of the transaction took place on 1 November 2024. Knab's results have therefore been reclassified from continuing to discontinued operations, in line with the requirements of IFRS 5. This reclassification has resulted in a single amount of \u20ac\u00a082 million presented as result after tax from discontinued operations in the 2023 consolidated income statement and \u20ac\u00a07 million presented as other comprehensive income after tax from discontinued operations in the 2023 consolidated statement of comprehensive income. For further details, please refer to <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </p>\n<div class=\"header header-2\">Changes to the presentation of the Consolidated statement of cash flows: </div>\n<p>Due to a reassessment of the presentation of the cash flow statement in 2024, the 2023 comparative figures for the cash flows from operating activities were adjusted for the revaluation through profit or loss (\u20ac\u00a0357 million) as part of the adjustment for non-cash items included in the result, with a corresponding opposite adjustment in the changes in operating assets and liabilities. </p>\n<div class=\"header header-2\">Cash collateral </div>\n<p>The presentation of cash collateral paid (2023: \u20ac2.3 billion) has been changed to align more with industry practice and is included in other assets and not in investments. </p>\n<div class=\"header header-2\">Harmonisation between a.s.r. and Aegon NL </div>\n<p>Following further alignment of methodologies and application of policies with Aegon NL, selected comparative figures have also been restated to ensure consistency and comparability. These restatements are part of the ongoing harmonisation process and reflect the integration of Aegon NL into a.s.r.\u2019s financial reporting framework. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746036\"><span class=\"number\">7.3.3 </span><span class=\"title-text\">Upcoming changes in published IFRS standards and interpretations, not yet effective in 2024 </span></h1>\n<p>The following new standards, amendments to existing standards and interpretations, relevant to a.s.r. and published prior to 1 January 2025 and effective for accounting periods beginning on or after 1 January 2025, were not early adopted by a.s.r.: </p><ul><li>\n<p>IFRS 18: Presentation and Disclosure in Financial Statements (2027); </p></li></ul>\n<div class=\"header header-2\">IFRS 18 Presentation and Disclosure in Financial Statements </div>\n<p>IFRS 18 replaces IAS 1, carrying forward many of the requirements in IAS 1 unchanged and introduces the following key requirements: </p><ul><li>\n<p>present specified categories and defined subtotals in the income statement; </p></li><li>\n<p>provide disclosures on management-defined performance measures (MPMs) in the notes to the financial statements; </p></li><li>\n<p>improve aggregation and disaggregation; </p></li><li>\n<p>the operating profit subtotal is the starting point for the statement of cash flows when presenting the operating cash flows under the direct method. </p></li></ul>\n<p>a.s.r. is currently working to identify all impacts the amendments will have on the primary financial statements and notes to the financial statements. IFRS 18 will be applied retrospectively. </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-487": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745995\"><span class=\"number\">7.3.1 </span><span class=\"title-text\">Changes in EU endorsed published IFRS Standards and Interpretations effective in 2024 </span></h1>\n<p>In 2024, no changes in EU endorsed published IFRS Standards and Interpretations are relevant to a.s.r. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746016\"><span class=\"number\">7.3.2 </span><span class=\"title-text\">Changes in presentations </span></h1>\n<p>The current presentation differs from last year\u2019s presentation as recognised in the 2023 financial statements, primarily following the sale of Knab, further harmonisation between a.s.r. and Aegon NL and the refinements related to the implementation of IFRS 17 and IFRS 9. These immaterial (on a qualitative basis) changes in presentation have no impact on a.s.r.'s past or future financial position, financial performance, or cash flows from operating, investing and financing activities. </p>\n<p>The following restatements, given their nature, are explained in more detail: </p>\n<div class=\"header header-2\">Reclassification of Knab to discontinued operations </div>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG. Closing of the transaction took place on 1 November 2024. Knab's results have therefore been reclassified from continuing to discontinued operations, in line with the requirements of IFRS 5. This reclassification has resulted in a single amount of \u20ac\u00a082 million presented as result after tax from discontinued operations in the 2023 consolidated income statement and \u20ac\u00a07 million presented as other comprehensive income after tax from discontinued operations in the 2023 consolidated statement of comprehensive income. For further details, please refer to <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </p>\n<div class=\"header header-2\">Changes to the presentation of the Consolidated statement of cash flows: </div>\n<p>Due to a reassessment of the presentation of the cash flow statement in 2024, the 2023 comparative figures for the cash flows from operating activities were adjusted for the revaluation through profit or loss (\u20ac\u00a0357 million) as part of the adjustment for non-cash items included in the result, with a corresponding opposite adjustment in the changes in operating assets and liabilities. </p>\n<div class=\"header header-2\">Cash collateral </div>\n<p>The presentation of cash collateral paid (2023: \u20ac2.3 billion) has been changed to align more with industry practice and is included in other assets and not in investments. </p>\n<div class=\"header header-2\">Harmonisation between a.s.r. and Aegon NL </div>\n<p>Following further alignment of methodologies and application of policies with Aegon NL, selected comparative figures have also been restated to ensure consistency and comparability. These restatements are part of the ongoing harmonisation process and reflect the integration of Aegon NL into a.s.r.\u2019s financial reporting framework. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-493": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746092\"><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 estimated useful life, residual value and fair value of property, plant and equipment, investment property, and intangible assets (see accounting policy <a href=\"#n2746142\" title=\"C. Intangible assets\">C</a>, <a href=\"#n2746160\" title=\"D. Investment property\">D</a> and <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</a>); </p></li><li>\n<p>The fair value and impairments of unlisted financial instruments (see accounting policy <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">E</a>); </p></li><li>\n<p>The recoverable amount of impaired assets (see accounting policy <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">B</a> and <a href=\"#n2746178\" 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=\"#n2746858\" title=\"Acquisitions\">section 7.4.5)</a>; </p></li><li>\n<p>The fair value used in measuring the assets held for sale and liabilities related to the assets held for sale (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>); </p></li><li>\n<p>The measurement of insurance contract liabilities and liabilities arising from direct participating insurance contracts (see <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</a>); </p></li><li>\n<p>Actuarial assumptions used for measuring employee benefit obligations (see <a href=\"#n2749383\" title=\"Employee benefits\">section 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=\"#n2749490\" title=\"Provisions\">section 7.5.16</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. is in progress and is expected to continue in the coming years. a.s.r. takes into account in the expense assumptions the estimated synergy effects from the Aegon NL business combination for the part that can be assessed within the budget period. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-494": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746122\"><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. </p>\n<p>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 at 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 (excluding money market instruments), 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 and reverse repurchase agreements); </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 and reverse repurchase agreements) </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 at 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, at 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 are 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<div class=\"tanPageBreak newPage\"> </div>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-495": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746122\"><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. </p>\n<p>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 at 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 (excluding money market instruments), 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 and reverse repurchase agreements); </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 and reverse repurchase agreements) </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 at 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, at 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 are 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<div class=\"tanPageBreak newPage\"> </div>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-496": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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=\"n2746258\"><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>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-497": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746521\"><span class=\"title-text\">V. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-498": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-499": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746220\"><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=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-500": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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=\"n2746220\"><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=\"n2746385\"><span class=\"title-text\">O. 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=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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=\"n2746521\"><span class=\"title-text\">V. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-501": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-502": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746142\"><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 Book 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-503": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746160\"><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=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-504": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746160\"><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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-505": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746160\"><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=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-506": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746367\"><span class=\"title-text\">N. 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=\"n2746442\"><span class=\"title-text\">R. Other assets </span></h1>\n<p>Other assets include accrued investment income, property developments, collateral (including margin accounts), reverse repurchase agreements, 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=\"n2746460\"><span class=\"title-text\">S. 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": {
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    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-507": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
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  },
  "ixv-508": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-509": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
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  },
  "ixv-510": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746460\"><span class=\"title-text\">S. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-511": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746460\"><span class=\"title-text\">S. 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=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-512": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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=\"n2746460\"><span class=\"title-text\">S. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-513": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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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  },
  "ixv-515": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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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  "ixv-517": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-518": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746178\"><span class=\"title-text\">E. Financial assets and financial liabilities </span></h1>\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=\"#n2746122\" 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 at FVOCI. </p>\n<p>Equity instruments can be measured at FVOCI if they are not held for trading. 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 most 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 section 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 Hold 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=\"#n2746612\" title=\"W3. Investment income\">W3</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 and securities lending. The asset recognised for cash 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-519": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746199\"><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 general measurement model (GMM) or premium allocation approach (PAA) are classified on the balance sheet as insurance contract liabilities and contracts measured using the variable fee approach (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;\">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;\">Individual life </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 (discretionary) 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 (VFA). </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<div class=\"header header-2\">Non-distinct investment components </div>\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 minimum payment that will be made under all circumstances (i.e. the minimum of surrender, lapse and maturity). </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 group of onerous contracts, the date when the group becomes 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 include mortality and longevity trend assumptions for life expectancy. Mortality rate tables applied are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions for life expectancy in the Netherlands and past experience. Mortality experience is monitored through regular studies, the results of which are fed into the pricing cycle for new products and reflected in the liability calculation when appropriate. 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 an interest curve whose construction is related to the Solvency II curve construction published by EIOPA. The construction differs in that a different CRA is determined and used, there is no VA but there is a Liability Illiquidity Premium (LIP), a different UFR is used (2024: 3.25%, 2023: 3.40%; whereas SII used 2024: 3.30%, 2023: 3.45%) and the convergence to the UFR follows a different methodology. </p>\n<p>Insurance pre-recognition cash flows consist of pre-acquisition cash flows and pre-paid premium cash flows for insurance contracts not yet recognised. 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 <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</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, pre-paid premium 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 H. </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 insurance contract revenue following the services provided. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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 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. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-520": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746199\"><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 general measurement model (GMM) or premium allocation approach (PAA) are classified on the balance sheet as insurance contract liabilities and contracts measured using the variable fee approach (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;\">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;\">Individual life </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 (discretionary) 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 (VFA). </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<div class=\"header header-2\">Non-distinct investment components </div>\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 minimum payment that will be made under all circumstances (i.e. the minimum of surrender, lapse and maturity). </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 group of onerous contracts, the date when the group becomes 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 include mortality and longevity trend assumptions for life expectancy. Mortality rate tables applied are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions for life expectancy in the Netherlands and past experience. Mortality experience is monitored through regular studies, the results of which are fed into the pricing cycle for new products and reflected in the liability calculation when appropriate. 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 an interest curve whose construction is related to the Solvency II curve construction published by EIOPA. The construction differs in that a different CRA is determined and used, there is no VA but there is a Liability Illiquidity Premium (LIP), a different UFR is used (2024: 3.25%, 2023: 3.40%; whereas SII used 2024: 3.30%, 2023: 3.45%) and the convergence to the UFR follows a different methodology. </p>\n<p>Insurance pre-recognition cash flows consist of pre-acquisition cash flows and pre-paid premium cash flows for insurance contracts not yet recognised. 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 <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</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, pre-paid premium 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 H. </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 insurance contract revenue following the services provided. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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 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. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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=\"n2746385\"><span class=\"title-text\">O. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-521": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746199\"><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 general measurement model (GMM) or premium allocation approach (PAA) are classified on the balance sheet as insurance contract liabilities and contracts measured using the variable fee approach (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;\">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;\">Individual life </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 (discretionary) 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 (VFA). </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<div class=\"header header-2\">Non-distinct investment components </div>\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 minimum payment that will be made under all circumstances (i.e. the minimum of surrender, lapse and maturity). </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 group of onerous contracts, the date when the group becomes 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 include mortality and longevity trend assumptions for life expectancy. Mortality rate tables applied are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions for life expectancy in the Netherlands and past experience. Mortality experience is monitored through regular studies, the results of which are fed into the pricing cycle for new products and reflected in the liability calculation when appropriate. 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 an interest curve whose construction is related to the Solvency II curve construction published by EIOPA. The construction differs in that a different CRA is determined and used, there is no VA but there is a Liability Illiquidity Premium (LIP), a different UFR is used (2024: 3.25%, 2023: 3.40%; whereas SII used 2024: 3.30%, 2023: 3.45%) and the convergence to the UFR follows a different methodology. </p>\n<p>Insurance pre-recognition cash flows consist of pre-acquisition cash flows and pre-paid premium cash flows for insurance contracts not yet recognised. 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 <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</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, pre-paid premium 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 H. </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 insurance contract revenue following the services provided. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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 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. The amount is determined by identifying coverage units in the group. The number of coverage units in the group is the quantity of insurance contract services provided by the contracts, determined by considering for each contract the quantity of benefits provided and its expected coverage period. </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=\"n2746220\"><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=\"n2746539\"><span class=\"title-text\">W1. 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. </p>\n<p>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=\"n2746557\"><span class=\"title-text\">W2. 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=\"n2746575\"><span class=\"title-text\">W4. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-525": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746220\"><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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-526": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746239\"><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 of 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=\"#n2746199\" 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 administer most of the post-employment benefit plans and hold 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-527": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746258\"><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>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-529": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746074\"><span class=\"title-text\">I. Discontinued operations </span></h1>\n<p>Classification as held for sale occurs when the carrying amount will be recovered principally through a sale transaction rather than through continuing use. </p>\n<p>Classification as a discontinued operation occurs at the earlier of disposal or when the operation meets the criteria to be classified as held for sale. When a group of assets classified as held for sale represents a major line of business or geographical area the disposal group classifies as discontinued operations. </p>\n<p>The comparative consolidated income statement and consolidated statement of comprehensive income are restated to show the discontinued operations separately from the continuing operations. Where applicable in the notes to the financial statements the reclassification to assets held for sale and liabilities relating to assets held for sale are recognised in the changes in the composition of the Group. Should the impairment exceed the carrying value of the non-current assets within the scope of IFRS 5 measurement, any remaining impairment amount will be presented as a separate provision. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-530": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746294\"><span class=\"title-text\">J. 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 securitisation 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-531": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746294\"><span class=\"title-text\">J. 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 securitisation 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-532": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746294\"><span class=\"title-text\">J. 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 securitisation 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-533": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746312\"><span class=\"title-text\">K. 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=\"n2746330\"><span class=\"title-text\">L. Segment information </span></h1>\n<p>At organisational level, a.s.r.\u2019s operations have been divided into five operating segments (2023: six, including Banking). The main segments are the Non-life and Life segment that include all insurance activities. The non-insurance activities are presented as three separate segments being the Asset Management, Distribution and Services and Holding and Other segment. There is a clear difference between the risk and return profiles of these five segments. </p>\n<p>Intersegment transactions or transfers are conducted at arm\u2019s length conditions. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746348\"><span class=\"title-text\">M. 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=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">E</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746593\"><span class=\"title-text\">X. 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=\"#n2746122\" 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) and of Aegon Spaarkas N.V. (Aegon Spaarkas) is based on the partial internal model, while the SCR of the other a.s.r. entities are based on the standard formula, 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-534": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746330\"><span class=\"title-text\">L. Segment information </span></h1>\n<p>At organisational level, a.s.r.\u2019s operations have been divided into five operating segments (2023: six, including Banking). The main segments are the Non-life and Life segment that include all insurance activities. The non-insurance activities are presented as three separate segments being the Asset Management, Distribution and Services and Holding and Other segment. There is a clear difference between the risk and return profiles of these five 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-538": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746385\"><span class=\"title-text\">O. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-545": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-546": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746403\"><span class=\"title-text\">P. 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=\"#n2746122\" 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=\"#n2746160\" 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=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-549": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-550": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-551": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746424\"><span class=\"title-text\">Q. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-553": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746442\"><span class=\"title-text\">R. Other assets </span></h1>\n<p>Other assets include accrued investment income, property developments, collateral (including margin accounts), reverse repurchase agreements, 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-555": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746460\"><span class=\"title-text\">S. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-559": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746478\"><span class=\"title-text\">T. 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=\"#n2746178\" 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=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</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=\"#n2746239\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves and the unappropriated result. </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 program, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</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 <a href=\"#n2746294\" title=\"J. Basis for consolidation - subsidiaries\">J</a>). </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-560": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746478\"><span class=\"title-text\">T. 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=\"#n2746178\" 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=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</a>); </p></li><li>\n<p>Unrealised change in value of property for own use (see accounting policy <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</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=\"#n2746239\" title=\"G. Employee benefits\">G</a>). </p>\n<div class=\"header header-2\">Retained earnings </div>\n<p>Retained earnings also include other reserves and the unappropriated result. </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 program, or acquired and resold as part of the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</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 <a href=\"#n2746294\" title=\"J. Basis for consolidation - subsidiaries\">J</a>). </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-561": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-563": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-565": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746502\"><span class=\"title-text\">U. 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 <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-568": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746521\"><span class=\"title-text\">V. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-570": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746539\"><span class=\"title-text\">W1. 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. </p>\n<p>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=\"n2746612\"><span class=\"title-text\">W3. 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=\"n2746575\"><span class=\"title-text\">W4. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-571": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746557\"><span class=\"title-text\">W2. 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=\"n2746575\"><span class=\"title-text\">W4. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-573": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746612\"><span class=\"title-text\">W3. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-574": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746612\"><span class=\"title-text\">W3. 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=\"n2746575\"><span class=\"title-text\">W4. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-575": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746612\"><span class=\"title-text\">W3. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-582": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746762\"><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>\n<div class=\"figure-container\" style=\"width:100%\"><img alt=\"\" class=\"figure\" 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\" style=\"width:960px;\"/>\n</div>\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into five operating segments (2023: six, including Bank). The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as three separate segments being Asset Management, Distribution and Services and Holding and Other. </p>\n<p>Intersegment transactions or transfers are concluded at arm's length conditions. </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 P&amp;C insurance and health insurance. The Life segment mainly 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 Life segment also includes ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers. 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=\"#n2747472\" title=\"List of principal group companies\">section 7.7.9</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 Real Estate B.V. and Aegon Hypotheken B.V. (Aegon hypotheken); </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.), Corins B.V., SuperGarant Verzekeringen B.V., D&amp;S Participaties B.V., (and ZZP Nederland Verzekeringen B.V. and Bedrijfsartsengroep B.V.), Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Advies van a.s.r. B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The Holding and Other segment 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) and the minority participations of ASR Deelnemingen N.V. </p></li><li>\n<p>The former Banking segment consisted of the Knab activities (Aegon Bank N.V.), which were sold during 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </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=\"#n2746789\" title=\"Segmented balance sheet\">section 7.4.2</a> and <a href=\"#n2746807\" 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=\"#n2745977\" title=\"Accounting policies\">section 7.3</a>). Goodwill and other intangibles are presented in the related cash generating unit's 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=\"#n2746630\" title=\"Operating result\">section 7.10</a>. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746789\"><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: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 border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">As at 31 December 2024 </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 border-right-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 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Asset Management </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>Distribution and Services </b></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;\"><b>Holding and Other </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>Eliminations </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>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;\">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;\">32 </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;\">101 </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;\">97 </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;\">362 </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-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;\">592 </td></tr>\n<tr><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;\">584 </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;\">40 </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;\">257 </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;\">-206 </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;\">676 </td></tr>\n<tr><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;\">63 </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;\">3,301 </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-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;\">3,364 </td></tr>\n<tr><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;\">362 </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;\">9 </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;\">86 </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 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;\">457 </td></tr>\n<tr><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;\">10,284 </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;\">68,295 </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;\">2,633 </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;\">19 </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;\">431 </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;\">-1,068 </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;\">80,593 </td></tr>\n<tr><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;\">33,025 </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-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 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;\">33,025 </td></tr>\n<tr><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;\">152 </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;\">11,369 </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;\">247 </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-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;\">11,767 </td></tr>\n<tr><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;\">739 </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><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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-646 </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;\">101 </td></tr>\n<tr><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;\">277 </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;\">208 </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-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;\">485 </td></tr>\n<tr><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;\">460 </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;\">2,417 </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;\">427 </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;\">226 </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;\">6,428 </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;\">-6,615 </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;\">3,342 </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;\">387 </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;\">2,589 </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;\">329 </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;\">114 </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;\">774 </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 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;\">4,194 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>11,654 </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>122,989 </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>3,740 </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>770 </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>7,977 </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>-8,536 </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>138,595 </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-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;\">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;\">3,044 </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;\">7,260 </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;\">432 </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;\">373 </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;\">-1,303 </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;\">-21 </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;\">9,786 </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;\">7 </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 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;\">2 </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;\">-6 </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 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;\">47 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>3,052 </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>7,303 </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>432 </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>376 </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>-1,308 </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>-21 </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>9,833 </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-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;\">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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,007 </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;\">-95 </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;\">2,007 </td></tr>\n<tr><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;\">7,822 </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;\">59,269 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,824 </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;\">64,267 </td></tr>\n<tr><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;\">41,331 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,966 </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;\">38,366 </td></tr>\n<tr><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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,036 </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 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;\">5,037 </td></tr>\n<tr><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;\">327 </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;\">6 </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;\">79 </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 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;\">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;\">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;\">8 </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;\">680 </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;\">2,278 </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;\">225 </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;\">1,097 </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;\">-1,153 </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;\">3,135 </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;\">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;\">322 </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;\">8,085 </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;\">259 </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-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;\">8,666 </td></tr>\n<tr><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;\">197 </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;\">4 </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;\">441 </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;\">-642 </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 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;\">46 </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;\">4,829 </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;\">674 </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-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;\">5,550 </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;\">111 </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;\">1,165 </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;\">97 </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;\">160 </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;\">624 </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;\">-836 </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;\">1,322 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>8,603 </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>115,686 </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>3,308 </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>395 </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>9,285 </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>-8,515 </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>128,762 </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-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-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 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>11,654 </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>122,989 </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>3,740 </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>770 </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>7,977 </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>-8,536 </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>138,595 </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-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 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 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 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 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 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;\">16 </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-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;\">17 </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\" 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-top-1 format-highlight 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;\">19 </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;\">6 </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 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;\">26 </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 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>1 </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>1 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>34 </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>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 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>43 </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: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 border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">As at 31 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;\"><b>Non-life </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>Life </b></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;\"><b>Asset Management </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>Bank </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>Distribution and Services </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>Holding and Other </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>Eliminations </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;\">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;\">36 </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;\">107 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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 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\" 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 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;\">632 </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-top-1\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">47 </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;\">3,005 </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-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\" 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 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;\">342 </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-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-right-1 border-top-1\" 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 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;\">426 </td></tr>\n<tr><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;\">9,785 </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;\">64,873 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,506 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,147 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">90,006 </td></tr>\n<tr><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 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;\">30,352 </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-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\" 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\" 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\" 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\" 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\" 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 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\" 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 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;\">968 </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-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\" 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\" 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\" 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\" 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 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-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;\">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\" style=\"text-align:right;vertical-align:bottom;\">360 </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;\">3,036 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">474 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">135 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">269 </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;\">6,228 </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;\">-6,904 </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;\">3,598 </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;\">213 </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;\">4,639 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">78 </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;\">188 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\"><b>10,801 </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>119,408 </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>3,645 </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>17,134 </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>778 </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>7,826 </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>-8,822 </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>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\" 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-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><td class=\"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;\">2,764 </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;\">6,770 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">310 </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;\">-1,712 </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;\">-29 </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;\">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\" 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\" 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 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\" 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\" 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 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;\">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\" style=\"text-align:right;vertical-align:bottom;\"><b>2,770 </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>6,801 </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>489 </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>750 </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>318 </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>-1,721 </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>-29 </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>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\" 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-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><td class=\"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;\">95 </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-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;\">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\" 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\" 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;\">7,237 </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;\">58,841 </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-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\" 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\" 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 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;\">39,025 </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-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\" 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\" 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 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-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;\">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 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;\">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\" 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;\">321 </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-top-1\" 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\" 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 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;\">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\" 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;\">710 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,787 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,049 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">5,451 </td></tr>\n<tr><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;\">318 </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;\">8,840 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-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-top-1\" 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 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\" 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\" 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\" 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;\">16 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">249 </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;\">-330 </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><td class=\"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 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;\">11,967 </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\" 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\" 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;\">3,757 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">933 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">200 </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;\">5,445 </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;\">358 </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;\">1,114 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">159 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">209 </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;\">619 </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;\">-1,190 </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;\">1,376 </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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>112,607 </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>3,155 </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>16,384 </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>461 </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>9,547 </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>-8,793 </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>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\" 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-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\"><td 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 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>10,801 </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>119,408 </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>3,645 </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>17,134 </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>778 </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>7,826 </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>-8,822 </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>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\" 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-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><td class=\"startCol-8 endCol-8 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 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>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\" 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></tr>\n<tr><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;\">10 </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;\">43 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-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-top-1\" 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\" 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 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\" 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 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;\">40 </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-top-1\" 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\" 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 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;\">121 </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 additions </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 </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>84 </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-top-1\" 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\" 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\" 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 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>490 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746807\"><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: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;\">2024 </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>Continuing operations </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><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-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 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-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-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 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;\">5,614 </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;\">4,241 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-254 </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;\">9,601 </td></tr>\n<tr><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>-4,198 </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>-3,402 </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-right-1 border-top-1 format-highlight 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>211 </i></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;\"><i>-7,389 </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>-1,061 </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>-290 </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-right-1 border-top-1 format-highlight 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 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><i>-1,350 </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;\">-5,258 </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;\">-3,692 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">211 </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;\">-8,739 </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>Insurance service result before reinsurance </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>356 </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>550 </b></td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-bottom align-right 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-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-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-44 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>862 </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>Net result from reinsurance contracts </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>-32 </b></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;\"><b>-58 </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 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 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-right-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-90 </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>324 </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>491 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-44 </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>772 </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-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-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;\">485 </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;\">5,643 </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;\">219 </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;\">8 </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;\">220 </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;\">-224 </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;\">6,351 </td></tr>\n<tr><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;\">203 </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;\">4,277 </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;\">-27 </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\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">4,459 </td></tr>\n<tr><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\" 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-top-1 format-highlight 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-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 </td></tr>\n<tr><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 result from insurance and 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;\">-262 </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;\">-5,751 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">281 </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;\">-5,731 </td></tr>\n<tr><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;\">-218 </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;\">-3,380 </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;\">-166 </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;\">-8 </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;\">-236 </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;\">-23 </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;\">-4,031 </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;\">-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;\">-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;\">-118 </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\" 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;\">99 </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;\">-205 </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>192 </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>620 </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>-92 </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>-15 </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>138 </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>843 </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-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-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;\">21 </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-right-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-left-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;\">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;\">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;\">7 </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;\">73 </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;\">325 </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;\">377 </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;\">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;\">-267 </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;\">518 </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;\">15 </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;\">72 </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;\">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;\">18 </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;\">-10 </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;\">107 </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>22 </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>166 </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>325 </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>390 </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>27 </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>-277 </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>653 </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-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-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;\">-51 </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;\">-126 </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;\">-161 </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;\">-374 </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;\">-277 </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;\">168 </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;\">-821 </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 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>-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>40 </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>164 </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 </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>-250 </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>-109 </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>-168 </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-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-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>487 </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>1,151 </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>72 </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 </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>-265 </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>-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>1,447 </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-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-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;\">-123 </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;\">-305 </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;\">-19 </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 </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;\">72 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-383 </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 after 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>364 </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>846 </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>54 </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-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-11 </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>1,065 </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 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-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 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>Discontinued operations </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 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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result after tax from discontinued operations </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-131 </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;\">10 </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;\">-121 </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-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-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>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>364 </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>846 </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>54 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-324 </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>-1 </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>944 </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 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-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 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 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 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 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 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 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-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 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;\">-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;\">\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-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 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;\">364 </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;\">848 </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;\">4 </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;\">-386 </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;\">-1 </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;\">882 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">63 </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 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;\">63 </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>364 </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>848 </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>54 </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>4 </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>-323 </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>-1 </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>946 </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 segment Life, 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<p>The results from discontinued operations in relation to Knab, including the loss as a result of the sale, is recognised in segment Holding and Other. See <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a> for more details. </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;\">2024 </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 from continuing operations </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>487 </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>1,151 </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>72 </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 </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>-265 </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>-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>1,447 </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;\">-15 </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;\">63 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-44 </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;\">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;\">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;\">48 </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;\">-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><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\" style=\"text-align:right;vertical-align:bottom;\">145 </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;\">9 </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;\">173 </td></tr>\n<tr><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;\">-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;\">26 </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;\">-13 </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;\">-33 </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;\">-128 </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;\">5 </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;\">-158 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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-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\"><td 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>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>1,076 </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>100 </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>50 </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>-283 </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>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>1,428 </b></td></tr></tbody></table> <br/>\n<p>In 2024, adjustments related to the insurance service result (<span style=\"white-space:nowrap;\">\u20ac\u00a05 million</span>) consist of changes to future services on onerous contracts (<span style=\"white-space:nowrap;\">\u20ac\u00a042 million</span>, mostly reflecting synergies in expense provisioning). This was partly offset by, among others, the amortisation of pre-recognition interest rate hedged developments prior to the initial CSM recognition (<span style=\"white-space:nowrap;\">\u20ac\u00a0-18 million</span>) and the non-economic assumption update for inflation in the liability of incurred claims of Disability (<span style=\"white-space:nowrap;\">\u20ac\u00a0-8 million</span>). </p>\n<p>Adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0173 million</span>) were mainly related to revaluations due to market developments to arrive at normalised investment returns in the operating result. </p>\n<p>Adjustments related to the other result (<span style=\"white-space:nowrap;\">\u20ac\u00a0-158 million</span>) consist of costs for integration of the Aegon NL business lines, charged to the Holding, project costs for the regulatory pension reform and CSRD, project costs for the implementation of a partial internal model and amortisations of intangible assets defined in earlier acquisitions. </p>\n<p>For more information including an explanation of the definition, see <a href=\"#n2746630\" title=\"Operating result\">section 7.10</a>. </p>\n<h3 class=\"table-title\">Impairments </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;\">2024 </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;\">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;\">Property, plant and equipment </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-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 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 </td></tr>\n<tr><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 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-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 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 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 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;\">Other assets </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;\">Reversal </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-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-right-1 border-top-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 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-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-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-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-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\" style=\"text-align:left;vertical-align:bottom;\"><b>Impairment </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right 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-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-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 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-right-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-left-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-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </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\" 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 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 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 border-right-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 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 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-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;\">\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\" 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 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-3 </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>-2 </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%;\"/><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;\">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;\">Bank </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>Continuing operations </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><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><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-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><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;\">5,379 </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;\">2,898 </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-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\" 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\" 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\" 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\" 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 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;\"><i>- </i></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;\"><i>- </i></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;\"><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\" 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\" 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\" 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\" 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 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;\"><i>- </i></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;\"><i>- </i></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;\"><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\" 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\" 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\" 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\" 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 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">-7,628 </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>Insurance service result before reinsurance </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>147 </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>336 </b></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-bottom align-right 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-15 </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>468 </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>Net result from reinsurance contracts </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>-12 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-right-1\" 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 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 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\" 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\" 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\" 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 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-right-1 border-top-1\" 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\" 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\" 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-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><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;\">396 </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;\">3,658 </td><td class=\"startCol-4 endCol-4 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-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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">-84 </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;\">4,137 </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;\">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;\">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;\">4,568 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">21 </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;\">-15 </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;\">4,747 </td></tr>\n<tr><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 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;\">-23 </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\" 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;\">-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;\">Net finance result from insurance and 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;\">-243 </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;\">-5,174 </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-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\" 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\" style=\"text-align:right;vertical-align:bottom;\">-5,211 </td></tr>\n<tr><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;\">-143 </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;\">-2,031 </td><td class=\"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-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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">-2,451 </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;\">-103 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">-2 </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;\">68 </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;\">-146 </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>185 </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>919 </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>-98 </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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>47 </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>1,054 </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-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><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\" style=\"text-align:right;vertical-align:bottom;\">9 </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-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\" 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 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;\">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;\">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;\">5 </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;\">54 </td><td class=\"startCol-4 endCol-4 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-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\" style=\"text-align:right;vertical-align:bottom;\">237 </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;\">3 </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;\">-219 </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;\">328 </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;\">12 </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;\">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;\">111 </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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">372 </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>17 </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>167 </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>359 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>243 </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>154 </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>-229 </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>711 </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-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=\" cBoderType2\"><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;\">-66 </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;\">-438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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\" style=\"text-align:right;vertical-align:bottom;\">-233 </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;\">-207 </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;\">150 </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;\">-927 </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 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>-49 </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>-270 </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>224 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>10 </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>-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\" style=\"text-align:right;vertical-align:bottom;\"><b>-80 </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>-217 </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-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\"><td 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>271 </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>969 </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>126 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>8 </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>-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\" style=\"text-align:right;vertical-align:bottom;\"><b>-48 </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>1,278 </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-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=\" cBoderType2\"><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;\">-68 </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;\">-238 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">12 </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;\">-275 </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 after 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>203 </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>731 </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>94 </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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-36 </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>1,003 </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-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></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>Discontinued operations </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\" 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result after tax from discontinued operations </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;\">76 </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\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">82 </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-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\"><td 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>203 </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>731 </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>94 </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>76 </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>2 </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>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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>1,086 </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-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></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\" 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></tr>\n<tr><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 zero-dash\" style=\"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-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><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-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><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;\">203 </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;\">731 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">2 </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;\">-38 </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;\">-30 </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;\">1,038 </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 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-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;\">48 </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;\">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>203 </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>731 </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>94 </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>76 </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>2 </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>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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>1,086 </b></td></tr></tbody></table> <br/>\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;\">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;\">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 from continuing operations </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>271 </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>969 </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>126 </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>8 </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>-48 </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>-48 </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>1,278 </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;\">-106 </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;\">47 </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;\">-16 </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;\">-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\" 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;\">510 </td><td class=\"startCol-4 endCol-4 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-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><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;\">-22 </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;\">611 </td></tr>\n<tr><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;\">-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;\">-279 </td><td class=\"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;\">-24 </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;\">25 </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;\">-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\" 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>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>378 </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>691 </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>78 </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>33 </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>-197 </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>-11 </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>973 </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\u00a0million</span>) mainly consist of the non-economic assumption update for inflation in the liability of incurred claims of Disability (\u20ac\u00a0-87\u00a0million) in the segment Non-life. </p>\n<p>Adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0611\u00a0million</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\u00a0million</span>) consists on the one hand of provisions made following the agreement with claim organisations on Unit Linked-life insurance transparency (see <a href=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</a>). In the Life segment a provision is made of in total\u00a0\u20ac\u00a0300\u00a0million which includes an additional provision of \u20ac\u00a050\u00a0million to facilitate individual claims of customers in distressing situations. On the other hand, an adjustment was made in the Asset Management segment 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 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>Operating result is an alternative performance measure; for more information see <a href=\"#n2746630\" title=\"Operating result\">section 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:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/><col style=\"width:9.5%;\"/></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 zero-dash\" style=\"text-align: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-top-1\" 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 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><td class=\"startCol-10 endCol-10 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;\">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;\">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-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-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><td class=\"startCol-10 endCol-10 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;\">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 zero-dash\" style=\"text-align: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 </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 </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><td class=\"startCol-8 endCol-8 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-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><td class=\"startCol-10 endCol-10 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;\">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;\">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-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-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><td class=\"startCol-10 endCol-10 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 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 zero-dash\" style=\"text-align: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;\">-22 </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><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-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><td class=\"startCol-10 endCol-10 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 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 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;\">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\" 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 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><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-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><td class=\"startCol-10 endCol-10 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 cBoderType2\"><td 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-23 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" 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\" 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 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\" 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 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\" 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 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 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 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 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\" 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\" 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-top-1\" 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\" 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><td class=\"startCol-10 endCol-10 valign-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;\">\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\" 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\" 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\" 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\" 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\" 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 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-32 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746838\"><span class=\"number\">7.4.4 </span><span class=\"title-text\">Non-life ratios </span></h1>\n<p>The combined ratio including the claims, commission and expense ratios is an alternative performance measure and is not a measure of financial performance under IFRS. Because it is not determined in accordance with IFRS, these ratios as presented by a.s.r. may not be comparable to other similarly titled measures of performance of other companies. </p>\n<h3 class=\"table-title\">Non-life combined ratio </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">74.56% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">77.0% </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;\">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;\">12.7% </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;\">12.3% </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;\">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;\">6.5% </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;\">6.1% </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\" 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>93.8% </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>95.4% </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: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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">90.7% </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;\">93.6% </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;\">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;\">93.0% </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;\">93.5% </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;\">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;\">91.9% </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;\">93.5% </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;\">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;\">99.1% </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;\">98.9% </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: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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">5,614 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,379 </td></tr>\n<tr><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;\">-129 </td><td class=\"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 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 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;\">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;\">0 </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>5,502 </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>5,257 </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;\">-4,198 </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;\">-4,267 </td></tr>\n<tr><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;\">97 </td><td class=\"startCol-3 endCol-3 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;\">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;\">-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;\">106 </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>-4,102 </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>-4,050 </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;\">-1,061 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-966 </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;\">-701 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-646 </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>-360 </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>-320 </b></td></tr></tbody></table> <br/>\n<p>The Non-life combined ratio indicates the insurance related profitability of a non-life insurance contract. To measure the Non-life combined ratio, the insurance service expenses are divided by the insurance contract revenue, considering the operating result definition of those items (see <a href=\"#n2746807\" title=\"Segmented income statement and operating result\">section 7.4.3</a> and <a href=\"#n2746630\" title=\"Operating result\">section 7.10</a>).  <br/></p>\n<p>In 2024, the adjustment to the net insurance contract revenue (<span style=\"white-space:nowrap;\">\u20ac\u00a017 million</span>) relates to the impact on the CSM of hedging for pre-recognition interest rate movements. The adjustments to the insurance claims and benefits (<span style=\"white-space:nowrap;\">\u20ac\u00a0-2 million</span>) consist of <span style=\"white-space:nowrap;\">\u20ac\u00a08 million</span> impact of changes of inflation on the Liability for Incurred Claims, <span style=\"white-space:nowrap;\">\u20ac\u00a0-11 million</span> related to changes to future services on onerous contracts and <span style=\"white-space:nowrap;\">\u20ac\u00a01 million</span> impact on the loss component of hedging for pre-recognition interest rate movements. </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>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-583": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746762\"><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>\n<div class=\"figure-container\" style=\"width:100%\"><img alt=\"\" class=\"figure\" src=\"data:image/png;base64,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\" style=\"width:960px;\"/>\n</div>\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into five operating segments (2023: six, including Bank). The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as three separate segments being Asset Management, Distribution and Services and Holding and Other. </p>\n<p>Intersegment transactions or transfers are concluded at arm's length conditions. </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 P&amp;C insurance and health insurance. The Life segment mainly 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 Life segment also includes ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers. 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=\"#n2747472\" title=\"List of principal group companies\">section 7.7.9</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 Real Estate B.V. and Aegon Hypotheken B.V. (Aegon hypotheken); </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.), Corins B.V., SuperGarant Verzekeringen B.V., D&amp;S Participaties B.V., (and ZZP Nederland Verzekeringen B.V. and Bedrijfsartsengroep B.V.), Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Advies van a.s.r. B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The Holding and Other segment 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) and the minority participations of ASR Deelnemingen N.V. </p></li><li>\n<p>The former Banking segment consisted of the Knab activities (Aegon Bank N.V.), which were sold during 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </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=\"#n2746789\" title=\"Segmented balance sheet\">section 7.4.2</a> and <a href=\"#n2746807\" 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=\"#n2745977\" title=\"Accounting policies\">section 7.3</a>). Goodwill and other intangibles are presented in the related cash generating unit's 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=\"#n2746630\" title=\"Operating result\">section 7.10</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748721\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</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 2024 </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 2023 </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-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-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">457 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">426 </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-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 format-highlight\" 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></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>At fair value through profit or loss </b></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 format-highlight\" 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></tr>\n<tr><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\" style=\"text-align:right;vertical-align:top;\">ranging between 25 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,775 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:top;\">4,561 </td></tr>\n<tr><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 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;\">687 </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;\">553 </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;\">247 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0457 million (2023: \u20ac\u00a0426 million) consists of \u20ac\u00a0292 million (2023 : \u20ac\u00a0260 million) associates and \u20ac\u00a0165 million (2023: \u20ac\u00a0166 million) joint ventures. </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 joint ventures at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>, are the real estate companies Amvest Vastgoed B.V. and Amvest Development Fund B.V. </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, namely Amvest Residential Core Fund (Amvest RCF) and Amvest Living &amp; Care Fund (Amvest LCF). <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2023: five) 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=\"#n2748752\" title=\"Investments\">section 7.5.5</a> and <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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;\">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\" 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;\">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;\">-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 </td></tr>\n<tr><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;\">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;\">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;\">-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;\">-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;\">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 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;\">319 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>457 </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>426 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>During 2024, management of ASR MF and the Separate Account Mortgage Fund (SAM Fund) was transferred to Aegon Asset Management N.V., which is an affiliate of Aegon Ltd. The transfer is part of the business combination agreement in 2023. Given this transfer, the funds no longer qualify as subsidiary (SAM Fund) or associate (ASR MF) and are classified as investments in (external) mortgage equity funds. This transfer has no impact on the value of these funds. Following the transfer, the funds are renamed to AeAM Dutch Mortgage Fund 3 (ASR MF) and AeAM Dutch Mortgage Fund 4 (SAM Fund). </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 following tables 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 2024 </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 2023 </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-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-right-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-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;\">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;\">864 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,752 </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\" style=\"text-align:right;vertical-align:bottom;\">9,812 </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;\">22,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">878 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,889 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,457 </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;\">7,815 </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;\">28,039 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,590 </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\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,862 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">292 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,385 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </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;\">10 </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;\">1,756 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">396 </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\" style=\"text-align:right;vertical-align:bottom;\">1,554 </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;\">2,210 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </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;\">1,151 </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;\">2,152 </td></tr>\n<tr><td class=\"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;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,425 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,194 </td></tr>\n<tr><td class=\"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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,186 </td></tr></tbody></table> <br/>\n<p>The decrease of the assets and liabilities of the mortgage equity funds relates to the transfer of the ASR MF to Aegon Asset Management, after which these funds no longer qualified as investments in associate. The increase in assets and liabilities of the real estate equity funds and of the other equity funds mainly relates to the positive performance of these funds during 2024. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a011,287 million (2023: \u20ac\u00a010,567 million) and \u20ac\u00a09,750 million (2023: \u20ac\u00a07,760 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 2024 </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 2023 </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;\">588 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">598 </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;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">957 </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;\">149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td></tr>\n<tr><td class=\"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;\">1,748 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td></tr>\n<tr><td class=\"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;\">1,012 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">928 </td></tr>\n<tr><td class=\"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-bottom-1 border-left-1 border-right-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\" style=\"text-align:right;vertical-align:bottom;\">276 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,561 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747472\"><span class=\"number\">7.7.9 </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: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 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-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;\">0.00 </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;\">0.00 </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;\">SAECURE 17 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">SAECURE 18 NHG B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 20 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 21 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 22 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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 Financiering B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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 Prefunding B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Hypotheken B.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;\">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;\">BSB 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;\">85.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">85.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Geleen </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 Backoffice 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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Corins B.V. </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;\">Amsterdam </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-50\"><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: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 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-bottom border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dutch ID B.V. </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;\">Velserbroek </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;\">Felison Assuradeuren 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;\">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\">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;\">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-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\">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;\">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-left-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\" 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;\">Hardinxveld-Giessendam </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Advies van a.s.r. 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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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;\">Robidus Groep B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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 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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">GHW Assurantiegroep 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;\">Nijmegen </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;\">Bastiaens &amp; Cox 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;\">Venlo </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-top align-left\" style=\"text-align:left;vertical-align:top;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-top align-left\" style=\"text-align:left;vertical-align:top;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-top align-left\" style=\"text-align:left;vertical-align:top;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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. For notes to equity interests in associates and joint ventures, see <a href=\"#n2748721\" title=\"Associates and joint ventures\">section 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<p>The statements of joint and several liability under section 403, Book 2 of the Dutch Civil Code for Obra Services B.V., Robidus Risk Consulting B.V., Robidus Services B.V. and Robidus Solutions B.V. have all been issued by Robidus Groep B.V. All other statement of joint and several liability in the list of principal group companies have been issued by a.s.r. Nederland N.V. </p>\n<p>Certain structured entities, in which a.s.r. does not hold any shares, are consolidated. For more information on these structured entities, see <a href=\"#n2749509\" title=\"Borrowings\">section 7.5.17. </a></p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-584": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746762\"><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>\n<div class=\"figure-container\" style=\"width:100%\"><img alt=\"\" class=\"figure\" 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\" style=\"width:960px;\"/>\n</div>\n<div class=\"header header-1\">Segment information </div>\n<p>The operations of a.s.r. have been divided into five operating segments (2023: six, including Bank). The main segments are the Non-life and Life segment in which all insurance activities are presented. The other activities are presented as three separate segments being Asset Management, Distribution and Services and Holding and Other. </p>\n<p>Intersegment transactions or transfers are concluded at arm's length conditions. </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 P&amp;C insurance and health insurance. The Life segment mainly 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 Life segment also includes ASR Vooruit B.V., the investment firm that performs activities related to private investing for customers. 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=\"#n2747472\" title=\"List of principal group companies\">section 7.7.9</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 Real Estate B.V. and Aegon Hypotheken B.V. (Aegon hypotheken); </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.), Corins B.V., SuperGarant Verzekeringen B.V., D&amp;S Participaties B.V., (and ZZP Nederland Verzekeringen B.V. and Bedrijfsartsengroep B.V.), Nedasco B.V., Robidus Groep B.V., TKP Pensioen B.V., Advies van a.s.r. B.V. and AEGON Bemiddeling B.V.; </p></li><li>\n<p>The Holding and Other segment 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) and the minority participations of ASR Deelnemingen N.V. </p></li><li>\n<p>The former Banking segment consisted of the Knab activities (Aegon Bank N.V.), which were sold during 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. </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=\"#n2746789\" title=\"Segmented balance sheet\">section 7.4.2</a> and <a href=\"#n2746807\" 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=\"#n2745977\" title=\"Accounting policies\">section 7.3</a>). Goodwill and other intangibles are presented in the related cash generating unit's 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=\"#n2746630\" title=\"Operating result\">section 7.10</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747472\"><span class=\"number\">7.7.9 </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: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 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-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;\">0.00 </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;\">0.00 </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;\">SAECURE 17 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">SAECURE 18 NHG B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 20 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 21 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">Asset Management </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">SAECURE 22 B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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 Financiering B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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 Prefunding B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">0.00 </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Aegon Hypotheken B.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;\">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;\">BSB 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;\">85.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">85.00 </td><td class=\"startCol-4 endCol-4 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">Geleen </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 Backoffice 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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">Corins B.V. </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;\">Amsterdam </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-50\"><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: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 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-bottom border-left-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Dutch ID B.V. </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;\">Velserbroek </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;\">Felison Assuradeuren 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;\">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\">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;\">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-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\">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;\">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-left-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\" 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;\">Hardinxveld-Giessendam </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">Advies van a.s.r. 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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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;\">Robidus Groep B.V. </td><td class=\"startCol-2 endCol-2 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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 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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">95.00 </td><td class=\"startCol-3 endCol-3 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\">95.00 </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">GHW Assurantiegroep 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;\">Nijmegen </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;\">Bastiaens &amp; Cox 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;\">Venlo </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;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-top align-left\" style=\"text-align:left;vertical-align:top;\">100.00 </td><td class=\"startCol-3 endCol-3 valign-top align-left\" style=\"text-align:left;vertical-align:top;\">100.00 </td><td class=\"startCol-4 endCol-4 valign-top align-left\" style=\"text-align:left;vertical-align:top;\">Utrecht </td><td class=\"startCol-5 endCol-5 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">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-middle align-left border-left-1\" style=\"text-align:left;vertical-align:middle;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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-bottom border-bottom-1 border-left-1\" style=\"text-align:left;vertical-align:bottom;\">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. For notes to equity interests in associates and joint ventures, see <a href=\"#n2748721\" title=\"Associates and joint ventures\">section 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<p>The statements of joint and several liability under section 403, Book 2 of the Dutch Civil Code for Obra Services B.V., Robidus Risk Consulting B.V., Robidus Services B.V. and Robidus Solutions B.V. have all been issued by Robidus Groep B.V. All other statement of joint and several liability in the list of principal group companies have been issued by a.s.r. Nederland N.V. </p>\n<p>Certain structured entities, in which a.s.r. does not hold any shares, are consolidated. For more information on these structured entities, see <a href=\"#n2749509\" title=\"Borrowings\">section 7.5.17. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747029\"><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;\">2024 </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;\">2023 </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;\">11,478 </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;\">5,781 </td></tr>\n<tr><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;\">10 </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;\">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;\">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;\">1,402 </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;\">1,115 </td></tr>\n<tr><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;\">-1,587 </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;\">-1,194 </td></tr>\n<tr><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;\">198 </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;\">202 </td></tr>\n<tr><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;\">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;\">-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;\">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;\">-854 </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;\">5,570 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>10,660 </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>11,478 </b></td></tr></tbody></table> <br/>\n<p>The changes in the composition of the group relate to Aegon NL (2023) and Knab (2024). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-588": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746858\"><span class=\"number\">7.4.5 </span><span class=\"title-text\">Acquisitions </span></h1>\n<p>See accounting policy <a href=\"#n2746258\" title=\"H. Acquisitions (Business combinations)\">H</a>. </p>\n<div class=\"header header-1\">Acquisitions 2024 </div>\n<p>During 2024, a.s.r. acquired eleven insurance brokerage companies, which became subsidiaries in segment Distribution and Services. </p>\n<div class=\"header header-2\">Other acquisitions </div>\n<p>a.s.r. increased its shareholding in an associate, whereby it became a subsidiary in segment Distribution and Services. </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. a.s.r. established the final acquisition balance sheet of Aegon NL in December 2023. Aegon NL was legally merged into a.s.r. as per 1 October 2023. For further information see the 2023 consolidated financial statements. </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>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-589": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2746737\"><span class=\"number\">7.4.6 </span><span class=\"title-text\">Discontinued operations </span></h1>\n<p>See accounting policy <a href=\"#n2746074\" title=\"I. Discontinued operations\">I</a>. </p>\n<p>On 1 February 2024, a.s.r. reached an agreement to sell Knab to the BAWAG Group AG. Closing of the transaction took place on 1 November 2024. </p>\n<p>a.s.r. has presented in a single amount (after tax) the result from discontinued operations in relation to Knab, including the loss as a result of the sale. The result from discontinued operations of \u20ac- 121 million is recognised in segment Holding and Other (see <a href=\"#n2746807\" title=\"Segmented income statement and operating result\">section 7.4.3)</a>. </p>\n<p>The result of discontinued operations can be specified as follows: </p>\n<h3 class=\"table-title\">Result of discontinued operations </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-bottom align-left border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">Income statement </th><th class=\"startCol-2 endCol-2 valign-bottom align-center border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">January - October 2024 </th><th class=\"startCol-3 endCol-3 valign-bottom align-center border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;\">July - 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;\">Total 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;\">721 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">481 </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;\">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;\">-560 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-370 </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 from operating activities </b></td><td class=\"startCol-2 endCol-2 valign-bottom 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>111 </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;\">Income tax (expense) / 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;\">-42 </td><td class=\"startCol-3 endCol-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 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;\">Result on sale after tax </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-240 </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=\"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 for the period </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-121 </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>82 </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></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;\">Statement of comprehensive income </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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Items that may be reclassified subsequently to profit or loss </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;\">Unrealised change in value of debt instruments designated 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;\">-11 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Realised gain/(loss) on debt instruments at FVOCI reclassified to 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;\">-1 </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-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Income tax on items that may be reclassified </td><td class=\"startCol-2 endCol-2 valign-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;\">-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>Other comprehensive income for the period from discontinued operations </b></td><td class=\"startCol-2 endCol-2 valign-bottom 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\" style=\"text-align:right;vertical-align:bottom;\"><b>7 </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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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 comprehensive income / (loss) from discontinued operations </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-128 </td><td class=\"startCol-3 endCol-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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Attributable to shareholders of the parent </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-128 </td><td class=\"startCol-3 endCol-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></tbody></table> <br/>\n<h3 class=\"table-title\">Cash flows from discontinued operations </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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2024 </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;\">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;\">Cash and cash equivalents as 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;\"><b>2,538 </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>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Knab cash and cash equivalents acquired through the acquisition of Aegon as at 4 July 2023 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,071 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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><td class=\"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 flows from operating activities </td><td class=\"startCol-2 endCol-2 valign-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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">467 </td></tr>\n<tr><td class=\"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 flows from investing activities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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><td class=\"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 flows from financing activities </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Sale of Knab as at 1 November 2024 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,509 </td><td class=\"startCol-3 endCol-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=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>Cash and cash equivalents 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 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>2,538 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Effect of disposal on the financial position of the Group </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><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 border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">1 November 2024 </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;\">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;\">4 </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;\">13,067 </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;\">521 </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;\">11 </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;\">67 </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;\">2,509 </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>16,180 </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;\">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;\">1 </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;\">2,820 </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;\">18 </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;\">11,969 </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;\">511 </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;\">30 </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>15,349 </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>831 </b></td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Consideration 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;\">611 </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>Book loss on sale </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-221 </b></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;\">Impairment loss on 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></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 on sale of discontinued operations </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-240 </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom\" style=\"text-align:left;vertical-align:bottom;\">Consideration received </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">611 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-bottom border-right-1\" style=\"text-align:left;vertical-align:bottom;\">Cash and cash equivalents disposed of </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,509 </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>Net 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>-1,898 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-590": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748654\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n2746142\" 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 2024 </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 2023 </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;\">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;\">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;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">415 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>592 </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>649 </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 <br/>2024 </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 <br/>2023 </th></tr></thead><tbody>\n<tr><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;\">246 </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;\">477 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">723 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">738 </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;\">-118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-131 </td><td class=\"startCol-5 endCol-5 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 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>233 </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>359 </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>592 </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>649 </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;\">415 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">649 </td><td class=\"startCol-5 endCol-5 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;\">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;\">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;\">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 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;\">-50 </td><td class=\"startCol-4 endCol-4 valign-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-5 endCol-5 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;\">Transfer </td><td class=\"startCol-2 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\" 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 </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-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;\">3 </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\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </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>233 </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>359 </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>592 </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>649 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the sale of Knab in 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. In 2023, changes in the composition of the group related to the intangible assets (mainly customer relationships, trade names and software) acquired through the acquisition of Aegon NL. </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 2024 </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 2023 </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;\">16 </td></tr>\n<tr><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;\">139 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>233 </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, Asset Management and Distribution and Services 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<p>In 2023, for one CGU within the Distribution and Services segment an impairment loss on the goodwill was 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, and mainly consist of customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 3 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see <a href=\"#n2745783\" title=\"Operating and other expenses\">section 7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-591": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748654\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n2746142\" 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 2024 </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 2023 </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;\">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;\">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;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">415 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>592 </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>649 </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 <br/>2024 </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 <br/>2023 </th></tr></thead><tbody>\n<tr><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;\">246 </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;\">477 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">723 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">738 </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;\">-118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-131 </td><td class=\"startCol-5 endCol-5 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 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>233 </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>359 </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>592 </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>649 </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;\">415 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">649 </td><td class=\"startCol-5 endCol-5 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;\">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;\">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;\">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 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;\">-50 </td><td class=\"startCol-4 endCol-4 valign-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-5 endCol-5 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;\">Transfer </td><td class=\"startCol-2 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\" 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 </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-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;\">3 </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\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </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>233 </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>359 </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>592 </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>649 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the sale of Knab in 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. In 2023, changes in the composition of the group related to the intangible assets (mainly customer relationships, trade names and software) acquired through the acquisition of Aegon NL. </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 2024 </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 2023 </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;\">16 </td></tr>\n<tr><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;\">139 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>233 </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, Asset Management and Distribution and Services 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<p>In 2023, for one CGU within the Distribution and Services segment an impairment loss on the goodwill was 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, and mainly consist of customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 3 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see <a href=\"#n2745783\" title=\"Operating and other expenses\">section 7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-592": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748654\"><span class=\"number\">7.5.1 </span><span class=\"title-text\">Intangible assets </span></h1>\n<p>See accounting <a href=\"#n2746142\" 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 2024 </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 2023 </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;\">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;\">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;\">359 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">415 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>592 </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>649 </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 <br/>2024 </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 <br/>2023 </th></tr></thead><tbody>\n<tr><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;\">246 </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;\">477 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">723 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">738 </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;\">-118 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-131 </td><td class=\"startCol-5 endCol-5 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 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>233 </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>359 </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>592 </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>649 </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;\">415 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">649 </td><td class=\"startCol-5 endCol-5 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;\">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;\">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;\">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 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;\">-50 </td><td class=\"startCol-4 endCol-4 valign-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-5 endCol-5 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;\">Transfer </td><td class=\"startCol-2 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\" 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 </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-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;\">3 </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\" style=\"text-align:right;vertical-align:bottom;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </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>233 </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>359 </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>592 </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>649 </b></td></tr></tbody></table> <br/>\n<p>Changes in the composition of the group relates to the sale of Knab in 2024, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>. In 2023, changes in the composition of the group related to the intangible assets (mainly customer relationships, trade names and software) acquired through the acquisition of Aegon NL. </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 2024 </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 2023 </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;\">16 </td></tr>\n<tr><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;\">139 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>233 </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, Asset Management and Distribution and Services 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<p>In 2023, for one CGU within the Distribution and Services segment an impairment loss on the goodwill was 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, and mainly consist of customer relationships, trade names and software. The other intangible assets are amortised straight-line over their useful life, which is determined individually (between 3 and 20 years). The amortisation charges on other intangible assets are recorded in the operating and other expenses (see <a href=\"#n2745783\" title=\"Operating and other expenses\">section 7.6.11</a>). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-593": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748675\"><span class=\"number\">7.5.2 </span><span class=\"title-text\">Property, plant and equipment </span></h1>\n<p>See accounting policies <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</a> and <a href=\"#n2746521\" title=\"V. Leasing\">V</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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">164 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">168 </td></tr>\n<tr><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;\">386 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">417 </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;\">53 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">63 </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>603 </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>648 </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;\">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;\">77 </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;\">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;\">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>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>72 </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>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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>676 </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>732 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">168 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </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;\">63 </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;\">84 </td><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;\">732 </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;\">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;\">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;\">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;\">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;\">25 </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;\">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;\">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;\">-7 </td><td 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </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;\">-11 </td><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;\">-53 </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;\">-50 </td></tr>\n<tr><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-top-1 format-highlight zero-dash\" 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;\">-3 </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><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 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\" 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;\">-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 zero-dash\" style=\"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;\">-15 </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;\">-26 </td></tr>\n<tr><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;\">6 </td><td 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-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\" 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;\">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\" 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 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\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><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;\">-10 </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;\">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;\">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 zero-dash\" 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\" 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;\">-4 </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;\">91 </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>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>386 </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>53 </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>72 </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>676 </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>732 </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-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></tr>\n<tr><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 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">446 </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;\">170 </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;\">114 </td><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;\">1,020 </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;\">1,061 </td></tr>\n<tr><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;\">-126 </td><td 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-114 </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;\">-41 </td><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;\">-341 </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;\">-329 </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 impairments 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 zero-dash\" 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;\">-3 </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><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>Net carrying value as 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>386 </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>53 </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>72 </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>676 </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>732 </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-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></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 border-top-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></tr>\n<tr><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;\">48 </td><td 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-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;\">54 </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;\">50 </td></tr>\n<tr><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;\">6 </td><td 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-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;\">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;\">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\" 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 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 zero-dash\" 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;\">-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>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>53 </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 </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>56 </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>54 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the Group related to the property acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>Depreciation of property, plant and equipment is recorded in the operating and other expenses, see <a href=\"#n2745783\" title=\"Operating and other expenses\">section 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=\"#n2747608\" title=\"Property (including land and buildings for own use and plant)\">section 7.7.1.3</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2749509\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n2746502\" title=\"U. Financing\">U</a> and <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h3 class=\"table-title\">Borrowings </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-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 2024 </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 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;\">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;\">3,061 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,363 </td></tr>\n<tr><td class=\"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;\">74 </td><td class=\"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\"><td class=\"startCol-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>3,135 </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>5,451 </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 2024 </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 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;\">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;\">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;\">1,022 </td></tr>\n<tr><td class=\"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;\">846 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,481 </td></tr>\n<tr><td class=\"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;\">2,174 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>3,135 </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>5,451 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2024, the fair value of borrowings was \u20ac\u00a03,136 million (2023: \u20ac\u00a05,520 million). For information regarding the fair value, see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>. The average interest rate payable on loans was 4.18% (2023: 2.61%). The average incremental borrowing rate on the lease liabilities was 3.81% (2023: 1.95%). </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>\n<p>In 2023 Aegon life restructured \u2018SAECURE 17\u2019, by expanding \u2018SAECURE 17\u2019 with new mortgage loans and extend the FORD for the next 5 years. After the restructuring \u2018SAECURE 17\u2019 exists of \u20ac\u00a04,350 million of class A notes with a first optional redemption date in January 2030. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>SAECURE 21 B.V.; </p></li><li>\n<p>SAECURE 22 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>Delphinus 2023-I B.V. </p></li><li>\n<p>Orcinus 2023 B.V. </p></li></ul>\n<p>The structured entities relate to the funding or securitisation of mortgage loans. a.s.r. holds no shares in the structured entities. 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=\"n2747729\"><span class=\"number\">7.7.7.4 </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<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-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 2024 </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 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;\">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;\">39 </td><td class=\"startCol-3 endCol-3 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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-top-1\" 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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>226 </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>224 </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-594": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748675\"><span class=\"number\">7.5.2 </span><span class=\"title-text\">Property, plant and equipment </span></h1>\n<p>See accounting policies <a href=\"#n2746403\" title=\"P. Property, plant and equipment\">P</a> and <a href=\"#n2746521\" title=\"V. Leasing\">V</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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">164 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">168 </td></tr>\n<tr><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;\">386 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">417 </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;\">53 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">63 </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>603 </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>648 </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;\">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;\">77 </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;\">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;\">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>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>72 </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>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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>676 </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>732 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">168 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">417 </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;\">63 </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;\">84 </td><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;\">732 </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;\">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;\">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;\">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;\">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;\">25 </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;\">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;\">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;\">-7 </td><td 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-15 </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;\">-11 </td><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;\">-53 </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;\">-50 </td></tr>\n<tr><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-top-1 format-highlight zero-dash\" 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;\">-3 </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><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 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\" 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;\">-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 zero-dash\" style=\"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;\">-15 </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;\">-26 </td></tr>\n<tr><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;\">6 </td><td 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-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\" 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;\">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\" 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 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\" style=\"text-align:right;vertical-align:bottom;\">-11 </td><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;\">-10 </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;\">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;\">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 zero-dash\" 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\" 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;\">-4 </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;\">91 </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>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>386 </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>53 </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>72 </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>676 </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>732 </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-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></tr>\n<tr><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 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">446 </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;\">170 </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;\">114 </td><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;\">1,020 </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;\">1,061 </td></tr>\n<tr><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;\">-126 </td><td 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-114 </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;\">-41 </td><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;\">-341 </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;\">-329 </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 impairments 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 zero-dash\" 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;\">-3 </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><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>Net carrying value as 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>386 </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>53 </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>72 </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>676 </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>732 </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-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></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 border-top-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></tr>\n<tr><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;\">48 </td><td 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-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;\">54 </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;\">50 </td></tr>\n<tr><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;\">6 </td><td 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-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;\">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;\">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\" 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 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 zero-dash\" 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;\">-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>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>53 </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 </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>56 </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>54 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the Group related to the property acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>Depreciation of property, plant and equipment is recorded in the operating and other expenses, see <a href=\"#n2745783\" title=\"Operating and other expenses\">section 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=\"#n2747608\" title=\"Property (including land and buildings for own use and plant)\">section 7.7.1.3</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-595": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748698\"><span class=\"number\">7.5.3 </span><span class=\"title-text\">Investment property </span></h1>\n<p>See accounting policy <a href=\"#n2746160\" 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>2024 </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>2023 </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;\">3,051 </td><td class=\"startCol-3 endCol-3 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;\">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;\">226 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-65 </td></tr>\n<tr><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;\">246 </td><td class=\"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><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;\">-159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-36 </td></tr>\n<tr><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 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;\">2,409 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>3,364 </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>3,051 </b></td></tr></tbody></table> <br/>\n<p>Purchases in 2024 mainly relates to residential (\u20ac\u00a0126 million) and offices (\u20ac\u00a0117 million). Disposals relates to residential (\u20ac\u00a0-159 million). In 2023, changes in the composition of the Group related to the investment property acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </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 <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1</a>. </p>\n<p>Rental income is recognised as direct investment income. In 2024, rentals amounted to \u20ac\u00a0144 million (2023: \u20ac\u00a091 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\u00a052 million (2023: \u20ac\u00a029 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. </p>\n<p>Investment property consists mainly of assets expected to be recovered after more than one year after the balance sheet date.  <br/></p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-596": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748698\"><span class=\"number\">7.5.3 </span><span class=\"title-text\">Investment property </span></h1>\n<p>See accounting policy <a href=\"#n2746160\" 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>2024 </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>2023 </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;\">3,051 </td><td class=\"startCol-3 endCol-3 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;\">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;\">226 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-65 </td></tr>\n<tr><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;\">246 </td><td class=\"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><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;\">-159 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-36 </td></tr>\n<tr><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 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;\">2,409 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>3,364 </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>3,051 </b></td></tr></tbody></table> <br/>\n<p>Purchases in 2024 mainly relates to residential (\u20ac\u00a0126 million) and offices (\u20ac\u00a0117 million). Disposals relates to residential (\u20ac\u00a0-159 million). In 2023, changes in the composition of the Group related to the investment property acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </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 <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1</a>. </p>\n<p>Rental income is recognised as direct investment income. In 2024, rentals amounted to \u20ac\u00a0144 million (2023: \u20ac\u00a091 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\u00a052 million (2023: \u20ac\u00a029 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. </p>\n<p>Investment property consists mainly of assets expected to be recovered after more than one year after the balance sheet date.  <br/></p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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=\"n2748832\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 headrow headrow-last\" 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 headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2024 </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></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;\">243 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">278 </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;\">352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">271 </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\" style=\"text-align:right;vertical-align:bottom;\">18 </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;\">6,373 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,013 </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;\">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;\">2,936 </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;\">333 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">351 </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;\">896 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,197 </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;\">73 </td><td class=\"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-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;\">16,078 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,252 </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;\">1,421 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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;\">245 </td><td class=\"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><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;\">3,617 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,375 </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\"><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>33,025 </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>30,352 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Within other investments, an amount of \u20ac\u00a02,486 million (2023: \u20ac\u00a02,394 million) consists of cash and cash equivalents held within investments related to direct participating insurance contracts. </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=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-597": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748721\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</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 2024 </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 2023 </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-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-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">457 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">426 </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-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 format-highlight\" 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></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>At fair value through profit or loss </b></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 format-highlight\" 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></tr>\n<tr><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\" style=\"text-align:right;vertical-align:top;\">ranging between 25 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,775 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:top;\">4,561 </td></tr>\n<tr><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 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;\">687 </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;\">553 </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;\">247 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0457 million (2023: \u20ac\u00a0426 million) consists of \u20ac\u00a0292 million (2023 : \u20ac\u00a0260 million) associates and \u20ac\u00a0165 million (2023: \u20ac\u00a0166 million) joint ventures. </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 joint ventures at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>, are the real estate companies Amvest Vastgoed B.V. and Amvest Development Fund B.V. </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, namely Amvest Residential Core Fund (Amvest RCF) and Amvest Living &amp; Care Fund (Amvest LCF). <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2023: five) 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=\"#n2748752\" title=\"Investments\">section 7.5.5</a> and <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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;\">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\" 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;\">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;\">-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 </td></tr>\n<tr><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;\">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;\">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;\">-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;\">-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;\">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 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;\">319 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>457 </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>426 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>During 2024, management of ASR MF and the Separate Account Mortgage Fund (SAM Fund) was transferred to Aegon Asset Management N.V., which is an affiliate of Aegon Ltd. The transfer is part of the business combination agreement in 2023. Given this transfer, the funds no longer qualify as subsidiary (SAM Fund) or associate (ASR MF) and are classified as investments in (external) mortgage equity funds. This transfer has no impact on the value of these funds. Following the transfer, the funds are renamed to AeAM Dutch Mortgage Fund 3 (ASR MF) and AeAM Dutch Mortgage Fund 4 (SAM Fund). </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 following tables 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 2024 </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 2023 </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-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-right-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-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;\">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;\">864 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,752 </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\" style=\"text-align:right;vertical-align:bottom;\">9,812 </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;\">22,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">878 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,889 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,457 </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;\">7,815 </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;\">28,039 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,590 </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\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,862 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">292 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,385 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </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;\">10 </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;\">1,756 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">396 </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\" style=\"text-align:right;vertical-align:bottom;\">1,554 </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;\">2,210 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </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;\">1,151 </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;\">2,152 </td></tr>\n<tr><td class=\"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;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,425 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,194 </td></tr>\n<tr><td class=\"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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,186 </td></tr></tbody></table> <br/>\n<p>The decrease of the assets and liabilities of the mortgage equity funds relates to the transfer of the ASR MF to Aegon Asset Management, after which these funds no longer qualified as investments in associate. The increase in assets and liabilities of the real estate equity funds and of the other equity funds mainly relates to the positive performance of these funds during 2024. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a011,287 million (2023: \u20ac\u00a010,567 million) and \u20ac\u00a09,750 million (2023: \u20ac\u00a07,760 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 2024 </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 2023 </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;\">588 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">598 </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;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">957 </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;\">149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td></tr>\n<tr><td class=\"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;\">1,748 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td></tr>\n<tr><td class=\"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;\">1,012 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">928 </td></tr>\n<tr><td class=\"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-bottom-1 border-left-1 border-right-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\" style=\"text-align:right;vertical-align:bottom;\">276 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,561 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-599": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748721\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</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 2024 </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 2023 </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-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-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">457 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">426 </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-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 format-highlight\" 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></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>At fair value through profit or loss </b></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 format-highlight\" 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></tr>\n<tr><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\" style=\"text-align:right;vertical-align:top;\">ranging between 25 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,775 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:top;\">4,561 </td></tr>\n<tr><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 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;\">687 </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;\">553 </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;\">247 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0457 million (2023: \u20ac\u00a0426 million) consists of \u20ac\u00a0292 million (2023 : \u20ac\u00a0260 million) associates and \u20ac\u00a0165 million (2023: \u20ac\u00a0166 million) joint ventures. </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 joint ventures at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>, are the real estate companies Amvest Vastgoed B.V. and Amvest Development Fund B.V. </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, namely Amvest Residential Core Fund (Amvest RCF) and Amvest Living &amp; Care Fund (Amvest LCF). <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2023: five) 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=\"#n2748752\" title=\"Investments\">section 7.5.5</a> and <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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;\">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\" 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;\">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;\">-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 </td></tr>\n<tr><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;\">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;\">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;\">-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;\">-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;\">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 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;\">319 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>457 </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>426 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>During 2024, management of ASR MF and the Separate Account Mortgage Fund (SAM Fund) was transferred to Aegon Asset Management N.V., which is an affiliate of Aegon Ltd. The transfer is part of the business combination agreement in 2023. Given this transfer, the funds no longer qualify as subsidiary (SAM Fund) or associate (ASR MF) and are classified as investments in (external) mortgage equity funds. This transfer has no impact on the value of these funds. Following the transfer, the funds are renamed to AeAM Dutch Mortgage Fund 3 (ASR MF) and AeAM Dutch Mortgage Fund 4 (SAM Fund). </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 following tables 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 2024 </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 2023 </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-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-right-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-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;\">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;\">864 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,752 </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\" style=\"text-align:right;vertical-align:bottom;\">9,812 </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;\">22,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">878 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,889 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,457 </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;\">7,815 </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;\">28,039 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,590 </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\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,862 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">292 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,385 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </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;\">10 </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;\">1,756 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">396 </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\" style=\"text-align:right;vertical-align:bottom;\">1,554 </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;\">2,210 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </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;\">1,151 </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;\">2,152 </td></tr>\n<tr><td class=\"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;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,425 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,194 </td></tr>\n<tr><td class=\"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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,186 </td></tr></tbody></table> <br/>\n<p>The decrease of the assets and liabilities of the mortgage equity funds relates to the transfer of the ASR MF to Aegon Asset Management, after which these funds no longer qualified as investments in associate. The increase in assets and liabilities of the real estate equity funds and of the other equity funds mainly relates to the positive performance of these funds during 2024. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a011,287 million (2023: \u20ac\u00a010,567 million) and \u20ac\u00a09,750 million (2023: \u20ac\u00a07,760 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 2024 </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 2023 </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;\">588 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">598 </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;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">957 </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;\">149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td></tr>\n<tr><td class=\"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;\">1,748 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td></tr>\n<tr><td class=\"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;\">1,012 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">928 </td></tr>\n<tr><td class=\"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-bottom-1 border-left-1 border-right-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\" style=\"text-align:right;vertical-align:bottom;\">276 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,561 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-600": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748721\"><span class=\"number\">7.5.4 </span><span class=\"title-text\">Associates and joint ventures </span></h1>\n<p>See accounting policy <a href=\"#n2746424\" title=\"Q. Associates and joint ventures\">Q</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 2024 </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 2023 </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-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-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">457 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">426 </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-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 format-highlight\" 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></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>At fair value through profit or loss </b></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 format-highlight\" 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></tr>\n<tr><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\" style=\"text-align:right;vertical-align:top;\">ranging between 25 % and 85 % </td><td class=\"startCol-3 endCol-3 valign-top align-right border-left-1 border-right-1 format-highlight\" style=\"text-align:right;vertical-align:top;\">4,775 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:top;\">4,561 </td></tr>\n<tr><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 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;\">687 </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;\">553 </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;\">247 </td></tr></tbody></table> <br/>\n<p>The amount of \u20ac\u00a0457 million (2023: \u20ac\u00a0426 million) consists of \u20ac\u00a0292 million (2023 : \u20ac\u00a0260 million) associates and \u20ac\u00a0165 million (2023: \u20ac\u00a0166 million) joint ventures. </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 joint ventures at equity method acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>, are the real estate companies Amvest Vastgoed B.V. and Amvest Development Fund B.V. </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, namely Amvest Residential Core Fund (Amvest RCF) and Amvest Living &amp; Care Fund (Amvest LCF). <br/><br/>The mortgage equity funds consists of the ASR Mortgage Fund (ASR MF). <br/><br/>The other equity funds consists of five (2023: five) 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=\"#n2748752\" title=\"Investments\">section 7.5.5</a> and <a href=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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;\">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\" 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;\">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;\">-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 </td></tr>\n<tr><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;\">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;\">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;\">-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;\">-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;\">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 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;\">319 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>457 </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>426 </b></td></tr></tbody></table> <br/>\n<p>In 2023, changes in the composition of the group relates to the associates and joint ventures acquired through the acquisition of Aegon NL, see <a href=\"#n2746858\" title=\"Acquisitions\">section 7.4.5</a>. </p>\n<p>During 2024, management of ASR MF and the Separate Account Mortgage Fund (SAM Fund) was transferred to Aegon Asset Management N.V., which is an affiliate of Aegon Ltd. The transfer is part of the business combination agreement in 2023. Given this transfer, the funds no longer qualify as subsidiary (SAM Fund) or associate (ASR MF) and are classified as investments in (external) mortgage equity funds. This transfer has no impact on the value of these funds. Following the transfer, the funds are renamed to AeAM Dutch Mortgage Fund 3 (ASR MF) and AeAM Dutch Mortgage Fund 4 (SAM Fund). </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 following tables 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 2024 </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 2023 </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-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-right-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-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;\">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;\">864 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,752 </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\" style=\"text-align:right;vertical-align:bottom;\">9,812 </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;\">22,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">878 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10,889 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,457 </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;\">7,815 </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;\">28,039 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,590 </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\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,862 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">292 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,385 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">69 </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;\">10 </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;\">1,756 </td></tr>\n<tr><td class=\"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;\">260 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">396 </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\" style=\"text-align:right;vertical-align:bottom;\">1,554 </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;\">2,210 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">379 </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;\">1,151 </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;\">2,152 </td></tr>\n<tr><td class=\"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;\">41 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,425 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">32 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,194 </td></tr>\n<tr><td class=\"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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">839 </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\" style=\"text-align:right;vertical-align:bottom;\">1,545 </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;\">2,428 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">25 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-327 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">343 </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;\">1,145 </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;\">1,186 </td></tr></tbody></table> <br/>\n<p>The decrease of the assets and liabilities of the mortgage equity funds relates to the transfer of the ASR MF to Aegon Asset Management, after which these funds no longer qualified as investments in associate. The increase in assets and liabilities of the real estate equity funds and of the other equity funds mainly relates to the positive performance of these funds during 2024. </p>\n<p>The total assets of the real estate equity funds consist primarily of investment property, \u20ac\u00a011,287 million (2023: \u20ac\u00a010,567 million) and \u20ac\u00a09,750 million (2023: \u20ac\u00a07,760 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 2024 </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 2023 </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;\">588 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">598 </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;\">1,000 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">957 </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;\">149 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">123 </td></tr>\n<tr><td class=\"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;\">1,748 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,679 </td></tr>\n<tr><td class=\"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;\">1,012 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">928 </td></tr>\n<tr><td class=\"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-bottom-1 border-left-1 border-right-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\" style=\"text-align:right;vertical-align:bottom;\">276 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,775 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,561 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-601": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748615\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a05,445 million to \u20ac\u00a05,550 million as a result of the increase in liability recognised for cash collateral under ISDAs (International Swaps and Derivatives Association) and Client Clearing Agreements (CCA) concluded with counterparties and Repurchase agreements. There is no significant difference between the carrying amount and the fair value of these liabilities (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>). The average interest rate for the cash collateral received in 2024 is 3.65% and based on \u20acSTR (2023: 3.21%). Additionally the amount decreased because of the sell of Knab and the termination of the unsecured Revolving Credit Facility (RCF). </p>\n<p>\u20ac\u00a0517 million (2023: \u20ac\u00a0383 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 other financial assets. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. 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 in 2024 (2023: \u20ac\u00a0600 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 2024 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a05,158 million due to banks (2023: \u20ac\u00a04,718 million) is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747537\"><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=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747556\"><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 2024 </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 - 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;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td></tr>\n<tr><td class=\"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;\">2,031 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td></tr>\n<tr><td class=\"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;\">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;\">64 </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;\">562 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">639 </td></tr>\n<tr><td class=\"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;\">14,516 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,259 </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;\">15,774 </td></tr>\n<tr><td class=\"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;\">9,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">767 </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;\">10,621 </td></tr>\n<tr><td class=\"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;\">3,023 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,023 </td></tr>\n<tr><td class=\"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;\">740 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">720 </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;\">608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,068 </td></tr>\n<tr><td class=\"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;\">553 </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;\">553 </td></tr>\n<tr><td class=\"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;\">25,398 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25,398 </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;\">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;\">9,535 </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;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,584 </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>25,704 </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>12,346 </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>37,070 </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>75,119 </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;\">243 </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;\">243 </td></tr>\n<tr><td class=\"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;\">352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">352 </td></tr>\n<tr><td class=\"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;\">6,373 </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;\">6,373 </td></tr>\n<tr><td class=\"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;\">3,375 </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;\">3,375 </td></tr>\n<tr><td class=\"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;\">333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">333 </td></tr>\n<tr><td class=\"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;\">299 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">224 </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;\">373 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">896 </td></tr>\n<tr><td class=\"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;\">-31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">104 </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;\">73 </td></tr>\n<tr><td class=\"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;\">16,078 </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;\">16,078 </td></tr>\n<tr><td class=\"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;\">1,421 </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;\">1,421 </td></tr>\n<tr><td class=\"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;\">245 </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;\">245 </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;\">2,493 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,124 </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;\">3,617 </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>28,850 </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>1,697 </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>2,478 </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>33,025 </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 at FVOCI </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;\">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;\">2,643 </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;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,696 </td></tr>\n<tr><td class=\"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;\">129 </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;\">134 </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;\">11 </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;\">11 </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>2,654 </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>129 </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>57 </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>2,841 </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 2024 </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>Derivatives </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;\">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;\">46 </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;\">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;\">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;\">10,644 </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;\">10,644 </td></tr>\n<tr><td class=\"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;\">704 </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;\">704 </td></tr>\n<tr><td class=\"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;\">52 </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;\">52 </td></tr>\n<tr><td class=\"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;\">31 </td><td 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 zero-dash\" style=\"text-align: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;\">44 </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;\">277 </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;\">277 </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>84 </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>11,684 </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>11,767 </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;\">2,564 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,629 </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;\">4,194 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>59,855 </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>27,485 </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>39,606 </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>126,946 </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 2024 </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;\">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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td></tr>\n<tr><td class=\"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;\">8,334 </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;\">8,334 </td></tr>\n<tr><td class=\"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;\">49 </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><td class=\"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;\">3 </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;\">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;\">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;\">55 </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;\">55 </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;\">37 </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;\">37 </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 </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>8,663 </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>8,666 </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>3 </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>8,663 </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>8,666 </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-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;\">213 </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;\">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\" 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 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>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\" 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;\">5,253 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><td class=\"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;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">15,854 </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\" 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\" 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 zero-dash\" style=\"text-align: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;\">9,948 </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 zero-dash\" 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;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">8,976 </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>25,217 </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>11,465 </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>35,024 </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>71,706 </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;\">278 </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;\">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 zero-dash\" 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;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">6,013 </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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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 zero-dash\" 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;\">208 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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\" 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\" 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\" 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;\">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;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </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 zero-dash\" 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;\">75 </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 </td><td class=\"startCol-5 endCol-5 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-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;\">5 </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;\">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\" 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\" 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\" 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\" 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\" 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;\">57 </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;\">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\" 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;\">11,655 </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;\">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 zero-dash\" 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;\">709 </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;\">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\" 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;\">77 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">358 </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;\">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\" 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\" 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 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>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\" 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;\">6,262 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </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;\">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\" 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>60,774 </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>28,141 </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>37,486 </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>126,401 </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 border-bottom-1 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 border-top-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;\">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;\">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\" 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;\">9,766 </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;\">9,766 </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 zero-dash\" 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;\">59 </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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">79 </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;\">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 zero-dash\" 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;\">21 </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\"><td class=\"startCol-1 endCol-1 valign-top border-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>90 </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>10,041 </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>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\" 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\" 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\" 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 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>10,132 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents (excluding money market instruments) are classified as level 1 when not subject to restrictions. Money market instruments are classified as level 2. </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>2024 </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;\">73 </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>73 </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;\">122 </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>122 </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\u00a0122 million) and from level 1 to level 2 (\u20ac\u00a073 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>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\" 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;\">125 </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;\"><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\" 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 zero-dash\" style=\"text-align: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;\"><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 zero-dash\" 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 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<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>2024 </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>2023 </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;\">62 </td><td class=\"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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>57 </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>62 </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>2024 </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>2023 </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;\">37,424 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">1,394 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">158 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">6,492 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,725 </td></tr>\n<tr><td class=\"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;\">-3,467 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td></tr>\n<tr><td class=\"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;\">-2,193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">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;\">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;\">-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-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;\">-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;\">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 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;\">21,456 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>39,548 </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>37,424 </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>1,381 </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>217 </b></td></tr></tbody></table> <br/>\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\u00a05 million (2023: \u20ac\u00a06 million), being approximately 0.1% (before tax) (2023: 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=\"#n2748128\" title=\"Counterparty default risk\">section 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 securitisations 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\u00a061 million (2023: \u20ac\u00a057 million), being approximately 0.7% (before tax) (2023: 0.6% (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 that of a.s.r. </p>\n<p>The table on the next page 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:25%;\"/><col style=\"width:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,485 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">118,027,068 </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\" style=\"text-align:right;vertical-align:bottom;\">3.4% </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-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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,943 </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=\"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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,428 </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-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:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">116,418,080 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.5% </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-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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,896 </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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,253 </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The significant inputs to the level 3 values of real estate equity funds associates are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the real estate equity funds associates. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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=\"n2747589\"><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 2024 </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;\">2,576 </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;\">2,576 </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;\">2,624 </td></tr>\n<tr><td class=\"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;\">9 </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;\">9 </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;\">9 </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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">3,053 </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;\">3,053 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">2,585 </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;\">5,639 </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;\">5,687 </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;\">2,205 </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;\">2,205 </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;\">2,007 </td></tr>\n<tr><td class=\"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;\">3,062 </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;\">74 </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;\">3,136 </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;\">3,135 </td></tr>\n<tr><td class=\"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;\">5,429 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">121 </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;\">5,550 </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;\">5,550 </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;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">605 </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;\">629 </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;\">620 </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 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>5,453 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74 </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>11,520 </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>11,312 </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 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\" 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><td class=\"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;\">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\" 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-right-1 border-top-1\" 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 zero-dash\" 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;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">3,426 </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;\">3,425 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">14,485 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17,911 </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;\">18,200 </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-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-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 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;\">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;\">2,118 </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;\">2,118 </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;\">2,005 </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;\">5,432 </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;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,520 </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;\">5,451 </td></tr>\n<tr><td class=\"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 zero-dash\" 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;\">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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">5,245 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">5,445 </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;\">5,445 </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;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">713 </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;\">776 </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;\">770 </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 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>5,308 </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>8,463 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>25,980 </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>25,637 </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=\"#n2747556\" title=\"Financial assets and liabilities measured at fair value\">section 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=\"n2747608\"><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 2024 </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;\">3,364 </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;\">3,364 </td></tr>\n<tr><td class=\"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;\">164 </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></tr>\n<tr><td class=\"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;\">386 </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;\">386 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>3,913 </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>3,913 </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 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 zero-dash\" 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;\">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\" 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 zero-dash\" 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;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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 zero-dash\" 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;\">417 </td><td class=\"startCol-5 endCol-5 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></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </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 2024 </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 2023 </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;\">2024 </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;\">2023 </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;\">153 </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;\">155 </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;\">3.1% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.9% </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;\">2,512 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">2,347 </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\" style=\"text-align:right;vertical-align:bottom;\">1.7% </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;\">220 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">207 </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;\">399 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">287 </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;\">15.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">10.4% </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;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">43 </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\" style=\"text-align:right;vertical-align:bottom;\">100.0% </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>3,364 </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>3,051 </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>5.2% </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>3.9% </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=\"#n2748675\" title=\"Property, plant and equipment\">section 7.5.2</a> and <a href=\"#n2748698\" title=\"Investment property\">section 7.5.3</a>. </p>\n<p>The significant inputs to the level 3 values of investment property are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the investment property and land and buildings for own use. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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:26%;\"/><col style=\"width:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </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 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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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;\">153 </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;\">10,744,691 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.0% </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;\">1,871,288 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.6% </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;\">104,781 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.4% </td></tr>\n<tr><td class=\"startCol-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;\">2,512 </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;\">126,143,320 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5.0% </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;\">5,438,948 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.8% </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;\">5,179 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">220 </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;\">5,646,002 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </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;\">2,043,427 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.8% </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;\">12,900 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1.5% </td></tr>\n<tr><td class=\"startCol-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;\">399 </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;\">19,446,857 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.9% </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;\">6,440,939 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.5% </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 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;\">60,128 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.4% </td></tr>\n<tr><td class=\"startCol-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;\">67 </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><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-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-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 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>163 </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;\">14,465,170 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.1% </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;\">8,663,755 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22.1% </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.8% </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-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>386 </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 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 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 </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>3,913 </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-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:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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;\">155 </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;\">11,834,440 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.6% </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;\">1,775,241 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">10.4% </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;\">9,149 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.6% </td></tr>\n<tr><td class=\"startCol-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;\">2,347 </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;\">107,232,363 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">4.6% </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;\">5,277,404 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">25.9% </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;\">4,807 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">207 </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;\">5,675,431 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.7% </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;\">733,743 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </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;\">3,578 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td></tr>\n<tr><td class=\"startCol-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;\">287 </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;\">19,006,243 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.6% </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;\">6,246,961 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </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;\">58,024 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.9% </td></tr>\n<tr><td class=\"startCol-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\" style=\"text-align:right;vertical-align:middle;\">42 </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></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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-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-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>167 </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;\">14,446,774 </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\" style=\"text-align:right;vertical-align:middle;\">8.9% </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;\">8,645,359 </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\" style=\"text-align:right;vertical-align:middle;\">17.4% </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;\">1,542,905 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.9% </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-top-1\" style=\"text-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>417 </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\" 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\" 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 </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>3,636 </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747629\"><span class=\"number\">7.7.3 </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 2024 </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;\">11,704 </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;\">11,704 </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;\">8,149 </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;\">3,261 </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;\">294 </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>11,704 </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>11,704 </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>8,149 </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>3,261 </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>294 </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 2023 </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;\">12,821 </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;\">12,821 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,579 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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 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>12,821 </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>9,210 </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>3,579 </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>32 </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 2024 </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;\">8,664 </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;\">8,664 </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;\">8,149 </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;\">515 </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></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>8,664 </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>8,664 </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>8,149 </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>515 </b></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;\"><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-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 2023 </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;\">10,131 </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;\">10,131 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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\" 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 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>10,131 </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>9,210 </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>833 </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>88 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748128\"><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 cash equivalents </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 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 2024 </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 2023 </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>Type 1 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right 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-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Type 2 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Diversification (negative) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr><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 format-highlight\" 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">369 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">305 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF Counterparty default has increased with \u20ac\u00a064 million. The counterparty risk type 1 is lower compared to previous year, mainly due to the decreased cash position. The counterparty risk type 2 was higher per year-end 2024, mainly due to the increase of the mortgage portfolio. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748206\"><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 in scope of Counterparty default risk was \u20ac\u00a011,846 million at year-end 2024 (2023: \u20ac\u00a010,285 million<sup class=\"footnote cShowTooltip\" title=\"The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million).\">1</sup>). </p>\n<p>Please note that the mortgages 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=\"\" src=\"data:image/svg+xml;base64,<!DOCTYPE svg PUBLIC "-//W3C//DTD SVG 1.1//EN" "http://www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd"><svg version="1.1" class="highcharts-root" style="font-family:'Avenir LT Std',sans-serif;font-size:7.5pt;color:#000000;fill:#000000;" xmlns="http://www.w3.org/2000/svg" width="434.64566929133855" height="193" viewBox="0 0 434.64566929133855 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style="color:#000000;font-weight:300;fill:#000000;"><tspan style="font-weight:bold">31 December 2024</tspan></text><path fill="none" d="M 159.3261709676292 84.62163085456956 L 135.45385685476828 84.26351928410598 M 95.6585621704363 43.87500082533436 L 95.65369947269808 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 34.851246040747924 64.82710567026812 L 57.65702877546745 71.89194104391758 M 135.45324010865687 84.30330616923659 L 159.32518417385097 84.68528987077855" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 91.57006699525147 20.131933523474785 L 93.10629187203216 43.95745845217174 M 57.66882250394511 71.85393729972364 L 34.870116006312166 64.76629967955783" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" 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style="font-weight:bold">31 December 2023</tspan></text><path fill="none" d="M 310.1539165683389 75.60271809765061 L 286.4711978552118 78.62669881103163 M 246.99189550376963 43.87500082533436 L 246.9870328060314 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 183.82538868541945 75.76648124503774 L 207.51586792838717 78.72905077814859 M 286.4762180866302 78.66617252229203 L 310.16194893860825 75.66587603566724" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 235.01418744712035 21.13839512577345 L 239.50886715445023 44.5864969536084 M 207.52082528551713 78.68956912146541 L 183.83332045682744 75.70331059434464" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" 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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 remained stable at 0.04% in 2024 (2023: 0.04%). </p><ol class=\"footnotes\"><li>The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million). </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748232\"><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 9% 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 88% of the portfolio, for which the risk is limited. 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highcharts-color-1"></path><path fill="none" d="M 246.9115682772761 20.00006141497399 L 246.94473017329756 43.875038384358746 M 239.54795106321603 44.5790253620946 L 235.07672170114566 21.12644057935136" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-2"></path></g><g class="highcharts-markers highcharts-series-1 highcharts-pie-series" data-z-index="0.1" opacity="1" transform="translate(-20,0) scale(1 1)"></g></g><text x="0" text-anchor="start" class="highcharts-title" data-z-index="4" style="color:#000000;font-size:8.5pt;font-family:'Avenir LT Std',sans-serif;font-weight:700;fill:#000000;" y="8"></text><text x="0" text-anchor="start" class="highcharts-subtitle" data-z-index="4" style="color:#000000;font-size:12px;fill:#000000;" y="14"></text><text x="0" text-anchor="start" class="highcharts-caption" data-z-index="4" style="color:#666666;fill:#666666;" y="172"></text><g class="highcharts-data-labels highcharts-series-0 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(103.16664812142874,35.606778346023354)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">9%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(75.5688229489873,138.00785130272962)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">88%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(81.6781927811665,16.804486197454587)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-data-labels highcharts-series-1 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(254.74242982371942,36.666530276251166)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(223.73877181741494,137.3200616380998)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">86%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(233.01153742383548,16.80448604548025)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-legend" data-z-index="7" transform="translate(0,162)"><rect fill="none" class="highcharts-legend-box" rx="0" ry="0" x="0" y="0" width="442" height="21" visibility="visible"></rect><g data-z-index="1"><g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-0" data-z-index="1" transform="translate(8,3)"><text x="20" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2" y="13"><tspan>Counterparty SPV</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(237,165,15)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-1" data-z-index="1" transform="translate(126.69957733154297,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Agreement cession-retrocession</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(74,178,134)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-2" data-z-index="1" transform="translate(309.32918548583984,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(157,157,157)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748310\"><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. In addition, a sizeable part of the interest-rate swap portfolio (and virtually all new interest rate swaps) are centrally cleared, which significantly reduces counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748284\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers. When entering into reinsurance contracts 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 shows the exposure to reinsurers which are in scope of counterparty default risk. The total exposure to reinsurers at year-end 2024 was \u20ac\u00a0340 million (2023: \u20ac\u00a0355 million). Counterparty default risk is immaterial for Aegon life\u2019s reinsurance exposure and therefore not in scope of the Composition table. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </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 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 2024 </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 2023 </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;\">87% </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;\">11% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">10% </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;\">2% </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=\"n2748258\"><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\u00a02,317 million at year-end 2024. This mainly consists of insurance and intermediaries receivables (\u20ac\u00a0232 million), reinsurance receivables (\u20ac\u00a021 million) and other (non-insurance) receivables (\u20ac\u00a02,064 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748154\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts in scope of counterparty default risk amounted \u20ac\u00a02,494 million in 2024 (2023: \u20ac\u00a04,303 million), this excludes commercial papers. </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 2024 </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 2023 </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;\">40 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">773 </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;\">176 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">514 </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;\">2,278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">3,017 </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;\">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>2,494 </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>4,303 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748180\"><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\">Changes in loss allowance of 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>2024 </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\" 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><td class=\"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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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 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>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance of mortgage loans measured at amortised cost </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-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2024 </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\" 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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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><td class=\"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;\">-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;\">-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-right-1 border-top-1 format-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-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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></tr>\n<tr><td class=\"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\" 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;\">3 </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;\">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\" 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-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\" 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\" 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 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>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance private loans measured at amortised cost </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%;\"/></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>2024 </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\" 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;\">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;\">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;\">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;\">-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;\">-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;\">-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 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\"><td class=\"startCol-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 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-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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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 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-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;\">Stage transfers </td><td class=\"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;\">3 </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 </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-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;\">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\" 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\" 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-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;\">Repayments </td><td class=\"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\" 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 zero-dash\" style=\"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\" 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\" 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\" 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 zero-dash\" style=\"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\" 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\" 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-top-1 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-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;\">Other changes </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 </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-right-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-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-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>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\" 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\" 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\" 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 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>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\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">874 </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;\">874 </td></tr>\n<tr><td class=\"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;\">-874 </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;\">-874 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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 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>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">14,121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </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;\">18 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,552 </td></tr>\n<tr><td class=\"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;\">34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </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;\">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;\">408 </td><td 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 </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;\">410 </td></tr>\n<tr><td class=\"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;\">-322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">-330 </td></tr>\n<tr><td class=\"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;\">-11,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-320 </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;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,063 </td></tr>\n<tr><td class=\"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;\">55 </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;\">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-top-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-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>2,566 </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>55 </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 </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>2,624 </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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\" 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\" 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 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\" 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\" 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 zero-dash\" style=\"text-align: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><td class=\"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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">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;\">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 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;\">-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;\">-155 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-6 </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;\">-179 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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>9 </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-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>9 </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%;\"/></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 zero-dash\" 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 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 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\" 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\" 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\" 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 zero-dash\" style=\"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><td class=\"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\" 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 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-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><td class=\"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\" 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\" 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\" 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\" 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;\">-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\" 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 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-right-1 border-top-1\" 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\" 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\" 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 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 </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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748336\"><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 medium-tolong-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>a.s.r. experienced changes in the liquidity as a result of cash variation margin in- and outflow related to the ISDA/CSA- and Clearing agreements of derivatives. Cash outflow was financed by returning earlier received cash collateral to counterparties and, when necessary, by liquidating assets. As at 31 December 2024 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 strategic 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 overnight liquidity (directly available) 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 treasury mandate, 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 2024, a.s.r. had cash (\u20ac\u00a03,372 million), short-term secured deposits (\u20ac\u00a0653 million) and liquid government bonds (\u20ac\u00a015,775 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 2024 </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;\">712 </td><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;\">4,352 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,731 </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;\">23,847 </td><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;\">75,592 </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;\">102,633 </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;\">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;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,012 </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;\">1,292 </td><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;\">6,001 </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;\">5,037 </td></tr>\n<tr><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;\">768 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,091 </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;\">1,996 </td><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;\">3,310 </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;\">8,666 </td></tr>\n<tr><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;\">4,397 </td><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;\">1,448 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,322 </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;\">1,052 </td><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;\">3,070 </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;\">11,312 </td></tr>\n<tr><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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">750 </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;\">746 </td><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;\">1,226 </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-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>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>5,109 </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>6,922 </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>34,906 </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>28,932 </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>89,199 </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>127,647 </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 2023 </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\" 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\" 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\" 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\" 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\" 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\" 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 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;\">122 </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;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,289 </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;\">6,388 </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;\">5,218 </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 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;\">1,520 </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;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,802 </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;\">4,630 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">9,105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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\" 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;\">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;\">3,950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,535 </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;\">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\" 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,670 </td></tr>\n<tr><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;\">323 </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;\">890 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">672 </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;\">1,315 </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-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>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>13,676 </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>10,072 </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>36,467 </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>30,265 </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>93,558 </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>140,371 </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\u00a013,455 million (2023 \u20ac\u00a011,688 million), 2-3 years \u20ac\u00a05,525 million (2023 \u20ac\u00a05,523 million), 3-4 years \u20ac\u00a05,479 million (2023 \u20ac\u00a05,346 million) and 4-5 years \u20ac\u00a05,271 million (2023 \u20ac\u00a05,260 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-602": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-603": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-604": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-605": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748752\"><span class=\"number\">7.5.5 </span><span class=\"title-text\">Investments </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" 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 2024 </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 2023 </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;\">75,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">71,919 </td></tr>\n<tr><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;\">2,841 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,312 </td></tr>\n<tr><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;\">2,633 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,775 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>80,593 </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>90,006 </b></td></tr></tbody></table> <br/>\n<p>2023 comparing figures are restated as a result of a reclassification of collateral paid to other assets of \u20ac\u00a02.3 billion. See <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a> for further details. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748772\"><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 2024 </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 2023 </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 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;\">359 </td></tr>\n<tr><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 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;\">521 </td></tr>\n<tr><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;\">2,696 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td></tr>\n<tr><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;\">134 </td><td class=\"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><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;\">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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,841 </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>3,312 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVOCI mainly decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</a>). After the sale of Knab, a.s.r. no longer has debt securities measured at FVOCI. </p>\n<p>a.s.r. sold equity instruments held at FVOCI for an amount of \u20ac\u00a01,218 million (2023: \u20ac\u00a0953 million) in the ordinary course of business. The sales resulted in a gain of \u20ac\u00a0156 million (2023: gain \u20ac\u00a085 million) which is directly recognised in retained earnings. </p>\n<p>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=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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=\"n2748832\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 headrow headrow-last\" 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 headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2024 </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></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;\">243 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">278 </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;\">352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">271 </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\" style=\"text-align:right;vertical-align:bottom;\">18 </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;\">6,373 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,013 </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;\">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;\">2,936 </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;\">333 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">351 </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;\">896 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,197 </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;\">73 </td><td class=\"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-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;\">16,078 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,252 </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;\">1,421 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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;\">245 </td><td class=\"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><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;\">3,617 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,375 </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\"><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>33,025 </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>30,352 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Within other investments, an amount of \u20ac\u00a02,486 million (2023: \u20ac\u00a02,394 million) consists of cash and cash equivalents held within investments related to direct participating insurance contracts. </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=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2749098\"><span class=\"number\">7.5.12 </span><span class=\"title-text\">Subordinated liabilities </span></h1>\n<p>See accounting policy <a href=\"#n2746502\" title=\"U. Financing\">U</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 2024 </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 2023 </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;\">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 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;\">508 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">507 </td></tr>\n<tr><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;\">993 </td><td class=\"startCol-4 endCol-4 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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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>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>2,007 </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 4.000 % and updated once every five years. </p>\n<p>In 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=\"n2749509\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n2746502\" title=\"U. Financing\">U</a> and <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h3 class=\"table-title\">Borrowings </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-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 2024 </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 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;\">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;\">3,061 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,363 </td></tr>\n<tr><td class=\"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;\">74 </td><td class=\"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\"><td class=\"startCol-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>3,135 </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>5,451 </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 2024 </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 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;\">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;\">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;\">1,022 </td></tr>\n<tr><td class=\"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;\">846 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,481 </td></tr>\n<tr><td class=\"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;\">2,174 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>3,135 </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>5,451 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2024, the fair value of borrowings was \u20ac\u00a03,136 million (2023: \u20ac\u00a05,520 million). For information regarding the fair value, see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>. The average interest rate payable on loans was 4.18% (2023: 2.61%). The average incremental borrowing rate on the lease liabilities was 3.81% (2023: 1.95%). </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>\n<p>In 2023 Aegon life restructured \u2018SAECURE 17\u2019, by expanding \u2018SAECURE 17\u2019 with new mortgage loans and extend the FORD for the next 5 years. After the restructuring \u2018SAECURE 17\u2019 exists of \u20ac\u00a04,350 million of class A notes with a first optional redemption date in January 2030. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>SAECURE 21 B.V.; </p></li><li>\n<p>SAECURE 22 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>Delphinus 2023-I B.V. </p></li><li>\n<p>Orcinus 2023 B.V. </p></li></ul>\n<p>The structured entities relate to the funding or securitisation of mortgage loans. a.s.r. holds no shares in the structured entities. 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=\"n2749530\"><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: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>2024 </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>2023 </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;\">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>\n<tr><td class=\"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;\">23,192 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,381 </td></tr>\n<tr><td class=\"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;\">-23,433 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12,805 </td></tr>\n<tr><td class=\"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;\">140 </td><td class=\"startCol-3 endCol-3 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 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;\">104 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><td class=\"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;\">-11,969 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,258 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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 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;\">11,967 </td></tr></tbody></table> <br/>\n<p>With the sale of Knab, a.s.r. no longer has savings deposits on the balance sheet, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748615\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a05,445 million to \u20ac\u00a05,550 million as a result of the increase in liability recognised for cash collateral under ISDAs (International Swaps and Derivatives Association) and Client Clearing Agreements (CCA) concluded with counterparties and Repurchase agreements. There is no significant difference between the carrying amount and the fair value of these liabilities (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>). The average interest rate for the cash collateral received in 2024 is 3.65% and based on \u20acSTR (2023: 3.21%). Additionally the amount decreased because of the sell of Knab and the termination of the unsecured Revolving Credit Facility (RCF). </p>\n<p>\u20ac\u00a0517 million (2023: \u20ac\u00a0383 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 other financial assets. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. 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 in 2024 (2023: \u20ac\u00a0600 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 2024 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a05,158 million due to banks (2023: \u20ac\u00a04,718 million) is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-607": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748813\"><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 2024 </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 2023 </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;\">2,624 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,590 </td></tr>\n<tr><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;\">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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2,633 </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>14,775 </b></td></tr></tbody></table> <br/>\n<p>Investments at amortised costs decreased due to the assets sold through the sale of Knab (see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6</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 2024, this resulted in a higher carrying value of \u20ac\u00a0109 million (2023: \u20ac\u00a0289 million higher). None of the financial assets has been reclassified during the financial year. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a02,432 million (2023: 13,929 million) 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=\"n2748180\"><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\">Changes in loss allowance of 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>2024 </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\" 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><td class=\"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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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 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>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance of mortgage loans measured at amortised cost </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-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2024 </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\" 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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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><td class=\"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;\">-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;\">-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-right-1 border-top-1 format-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-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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></tr>\n<tr><td class=\"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\" 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;\">3 </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;\">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\" 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-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\" 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\" 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 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>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance private loans measured at amortised cost </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%;\"/></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>2024 </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\" 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;\">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;\">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;\">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;\">-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;\">-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;\">-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 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\"><td class=\"startCol-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 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-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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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 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-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;\">Stage transfers </td><td class=\"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;\">3 </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 </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-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;\">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\" 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\" 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-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;\">Repayments </td><td class=\"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\" 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 zero-dash\" style=\"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\" 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\" 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\" 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 zero-dash\" style=\"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\" 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\" 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-top-1 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-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;\">Other changes </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 </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-right-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-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-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>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\" 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\" 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\" 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 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>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\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">874 </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;\">874 </td></tr>\n<tr><td class=\"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;\">-874 </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;\">-874 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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 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>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">14,121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </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;\">18 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,552 </td></tr>\n<tr><td class=\"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;\">34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </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;\">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;\">408 </td><td 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 </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;\">410 </td></tr>\n<tr><td class=\"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;\">-322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">-330 </td></tr>\n<tr><td class=\"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;\">-11,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-320 </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;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,063 </td></tr>\n<tr><td class=\"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;\">55 </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;\">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-top-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-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>2,566 </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>55 </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 </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>2,624 </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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\" 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\" 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 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\" 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\" 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 zero-dash\" style=\"text-align: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><td class=\"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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">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;\">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 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;\">-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;\">-155 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-6 </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;\">-179 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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>9 </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-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>9 </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%;\"/></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 zero-dash\" 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 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 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\" 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\" 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\" 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 zero-dash\" style=\"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><td class=\"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\" 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 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-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><td class=\"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\" 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\" 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\" 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\" 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;\">-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\" 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 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-right-1 border-top-1\" 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\" 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\" 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 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 </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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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\" 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\" 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\" 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\" 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-608": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748832\"><span class=\"number\">7.5.6 </span><span class=\"title-text\">Investments related to direct participating insurance contracts </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 headrow headrow-last\" 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 headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">31 December 2024 </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></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;\">243 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">278 </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;\">352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">271 </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\" style=\"text-align:right;vertical-align:bottom;\">18 </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;\">6,373 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">6,013 </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;\">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;\">2,936 </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;\">333 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">351 </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;\">896 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,197 </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;\">73 </td><td class=\"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-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;\">16,078 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">14,252 </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;\">1,421 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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;\">245 </td><td class=\"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><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;\">3,617 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,375 </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\"><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>33,025 </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>30,352 </b></td></tr></tbody></table> <br/>\n<p>Investments related to direct participating insurance contracts are mandatorily measured at FVTPL. </p>\n<p>Within other investments, an amount of \u20ac\u00a02,486 million (2023: \u20ac\u00a02,394 million) consists of cash and cash equivalents held within investments related to direct participating insurance contracts. </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=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-609": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748791\"><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 2024 </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 2023 </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 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;\">213 </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;\">5,428 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><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;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">997 </td></tr>\n<tr><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;\">639 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">772 </td></tr>\n<tr><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;\">15,774 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,854 </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;\">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;\">10,621 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,948 </td></tr>\n<tr><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;\">3,023 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,013 </td></tr>\n<tr><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;\">2,068 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,153 </td></tr>\n<tr><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;\">553 </td><td class=\"startCol-3 endCol-3 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><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;\">25,398 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">24,494 </td></tr>\n<tr><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;\">9,584 </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;\">8,976 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>75,119 </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>71,919 </b></td></tr></tbody></table> <br/>\n<p>Investments at FVTPL mainly increased mainly the result of positive fair value gains and additional investments. Increase in Mortgage equity funds relates to the transfer of the SAM fund to Aegon Asset Management out of mortgage loans. </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=\"#n2748721\" title=\"Associates and joint ventures\">section 7.5.4</a>. </p>\n<p>a.s.r. has bonds amounting to \u20ac\u00a03,427 million (2023: \u20ac\u00a03,483 million), shares amounting to \u20ac\u00a010 million (2023: \u20ac\u00a024 million) and cash amounting to nil (2023: \u20ac\u00a0750 million) (see <a href=\"#n2748917\" title=\"Cash and cash equivalents\">section 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\u00a04,925 million (2023: \u20ac\u00a05,067 million) consists of mortgage loans and corporate and government bonds. See accounting policy <a href=\"#n2746367\" title=\"N. Securities lending\">N</a> about securities lending. </p>\n<p>Private loans consists for \u20ac\u00a02,199 million (2023: \u20ac\u00a02,285 million) of savings-linked mortgage loans. </p>\n<p>At year-end 2024 and 2023, debt instruments at FVTPL consisted entirely of investments mandatorily measured as such. </p>\n<p>Based on their contractual maturity, an amount of \u20ac\u00a058,171 million (2023: \u20ac\u00a057,936 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=\"#n2747537\" title=\"Fair value of assets and liabilities\">section 7.7.1. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748615\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a05,445 million to \u20ac\u00a05,550 million as a result of the increase in liability recognised for cash collateral under ISDAs (International Swaps and Derivatives Association) and Client Clearing Agreements (CCA) concluded with counterparties and Repurchase agreements. There is no significant difference between the carrying amount and the fair value of these liabilities (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>). The average interest rate for the cash collateral received in 2024 is 3.65% and based on \u20acSTR (2023: 3.21%). Additionally the amount decreased because of the sell of Knab and the termination of the unsecured Revolving Credit Facility (RCF). </p>\n<p>\u20ac\u00a0517 million (2023: \u20ac\u00a0383 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 other financial assets. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. 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 in 2024 (2023: \u20ac\u00a0600 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 2024 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a05,158 million due to banks (2023: \u20ac\u00a04,718 million) is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747537\"><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=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747556\"><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 2024 </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 - 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;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td></tr>\n<tr><td class=\"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;\">2,031 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td></tr>\n<tr><td class=\"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;\">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;\">64 </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;\">562 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">639 </td></tr>\n<tr><td class=\"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;\">14,516 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,259 </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;\">15,774 </td></tr>\n<tr><td class=\"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;\">9,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">767 </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;\">10,621 </td></tr>\n<tr><td class=\"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;\">3,023 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,023 </td></tr>\n<tr><td class=\"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;\">740 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">720 </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;\">608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,068 </td></tr>\n<tr><td class=\"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;\">553 </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;\">553 </td></tr>\n<tr><td class=\"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;\">25,398 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25,398 </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;\">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;\">9,535 </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;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,584 </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>25,704 </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>12,346 </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>37,070 </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>75,119 </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;\">243 </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;\">243 </td></tr>\n<tr><td class=\"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;\">352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">352 </td></tr>\n<tr><td class=\"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;\">6,373 </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;\">6,373 </td></tr>\n<tr><td class=\"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;\">3,375 </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;\">3,375 </td></tr>\n<tr><td class=\"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;\">333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">333 </td></tr>\n<tr><td class=\"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;\">299 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">224 </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;\">373 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">896 </td></tr>\n<tr><td class=\"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;\">-31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">104 </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;\">73 </td></tr>\n<tr><td class=\"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;\">16,078 </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;\">16,078 </td></tr>\n<tr><td class=\"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;\">1,421 </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;\">1,421 </td></tr>\n<tr><td class=\"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;\">245 </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;\">245 </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;\">2,493 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,124 </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;\">3,617 </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>28,850 </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>1,697 </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>2,478 </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>33,025 </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 at FVOCI </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;\">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;\">2,643 </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;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,696 </td></tr>\n<tr><td class=\"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;\">129 </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;\">134 </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;\">11 </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;\">11 </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>2,654 </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>129 </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>57 </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>2,841 </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 2024 </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>Derivatives </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;\">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;\">46 </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;\">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;\">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;\">10,644 </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;\">10,644 </td></tr>\n<tr><td class=\"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;\">704 </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;\">704 </td></tr>\n<tr><td class=\"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;\">52 </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;\">52 </td></tr>\n<tr><td class=\"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;\">31 </td><td 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 zero-dash\" style=\"text-align: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;\">44 </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;\">277 </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;\">277 </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>84 </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>11,684 </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>11,767 </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;\">2,564 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,629 </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;\">4,194 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>59,855 </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>27,485 </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>39,606 </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>126,946 </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 2024 </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;\">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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td></tr>\n<tr><td class=\"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;\">8,334 </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;\">8,334 </td></tr>\n<tr><td class=\"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;\">49 </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><td class=\"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;\">3 </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;\">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;\">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;\">55 </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;\">55 </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;\">37 </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;\">37 </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 </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>8,663 </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>8,666 </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>3 </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>8,663 </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>8,666 </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-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;\">213 </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;\">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\" 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 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>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\" 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;\">5,253 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><td class=\"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;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">15,854 </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\" 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\" 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 zero-dash\" style=\"text-align: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;\">9,948 </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 zero-dash\" 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;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">8,976 </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>25,217 </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>11,465 </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>35,024 </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>71,706 </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;\">278 </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;\">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 zero-dash\" 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;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">6,013 </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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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 zero-dash\" 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;\">208 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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\" 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\" 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\" 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;\">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;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </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 zero-dash\" 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;\">75 </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 </td><td class=\"startCol-5 endCol-5 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-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;\">5 </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;\">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\" 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\" 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\" 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\" 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\" 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;\">57 </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;\">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\" 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;\">11,655 </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;\">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 zero-dash\" 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;\">709 </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;\">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\" 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;\">77 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">358 </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;\">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\" 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\" 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 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>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\" 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;\">6,262 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </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;\">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\" 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>60,774 </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>28,141 </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>37,486 </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>126,401 </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 border-bottom-1 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 border-top-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;\">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;\">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\" 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;\">9,766 </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;\">9,766 </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 zero-dash\" 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;\">59 </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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">79 </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;\">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 zero-dash\" 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;\">21 </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\"><td class=\"startCol-1 endCol-1 valign-top border-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>90 </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>10,041 </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>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\" 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\" 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\" 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 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>10,132 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents (excluding money market instruments) are classified as level 1 when not subject to restrictions. Money market instruments are classified as level 2. </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>2024 </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;\">73 </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>73 </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;\">122 </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>122 </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\u00a0122 million) and from level 1 to level 2 (\u20ac\u00a073 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>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\" 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;\">125 </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;\"><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\" 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 zero-dash\" style=\"text-align: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;\"><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 zero-dash\" 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 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<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>2024 </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>2023 </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;\">62 </td><td class=\"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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>57 </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>62 </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>2024 </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>2023 </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;\">37,424 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">1,394 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">158 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">6,492 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,725 </td></tr>\n<tr><td class=\"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;\">-3,467 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td></tr>\n<tr><td class=\"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;\">-2,193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">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;\">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;\">-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-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;\">-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;\">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 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;\">21,456 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>39,548 </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>37,424 </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>1,381 </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>217 </b></td></tr></tbody></table> <br/>\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\u00a05 million (2023: \u20ac\u00a06 million), being approximately 0.1% (before tax) (2023: 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=\"#n2748128\" title=\"Counterparty default risk\">section 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 securitisations 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\u00a061 million (2023: \u20ac\u00a057 million), being approximately 0.7% (before tax) (2023: 0.6% (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 that of a.s.r. </p>\n<p>The table on the next page 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:25%;\"/><col style=\"width:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,485 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">118,027,068 </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\" style=\"text-align:right;vertical-align:bottom;\">3.4% </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-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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,943 </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=\"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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,428 </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-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:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">116,418,080 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.5% </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-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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,896 </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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,253 </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The significant inputs to the level 3 values of real estate equity funds associates are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the real estate equity funds associates. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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=\"n2747589\"><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 2024 </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;\">2,576 </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;\">2,576 </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;\">2,624 </td></tr>\n<tr><td class=\"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;\">9 </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;\">9 </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;\">9 </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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">3,053 </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;\">3,053 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">2,585 </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;\">5,639 </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;\">5,687 </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;\">2,205 </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;\">2,205 </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;\">2,007 </td></tr>\n<tr><td class=\"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;\">3,062 </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;\">74 </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;\">3,136 </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;\">3,135 </td></tr>\n<tr><td class=\"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;\">5,429 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">121 </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;\">5,550 </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;\">5,550 </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;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">605 </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;\">629 </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;\">620 </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 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>5,453 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74 </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>11,520 </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>11,312 </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 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\" 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><td class=\"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;\">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\" 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-right-1 border-top-1\" 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 zero-dash\" 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;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">3,426 </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;\">3,425 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">14,485 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17,911 </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;\">18,200 </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-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-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 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;\">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;\">2,118 </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;\">2,118 </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;\">2,005 </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;\">5,432 </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;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,520 </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;\">5,451 </td></tr>\n<tr><td class=\"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 zero-dash\" 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;\">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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">5,245 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">5,445 </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;\">5,445 </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;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">713 </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;\">776 </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;\">770 </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 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>5,308 </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>8,463 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>25,980 </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>25,637 </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=\"#n2747556\" title=\"Financial assets and liabilities measured at fair value\">section 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=\"n2747608\"><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 2024 </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;\">3,364 </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;\">3,364 </td></tr>\n<tr><td class=\"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;\">164 </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></tr>\n<tr><td class=\"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;\">386 </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;\">386 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>3,913 </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>3,913 </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 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 zero-dash\" 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;\">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\" 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 zero-dash\" 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;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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 zero-dash\" 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;\">417 </td><td class=\"startCol-5 endCol-5 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></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </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 2024 </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 2023 </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;\">2024 </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;\">2023 </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;\">153 </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;\">155 </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;\">3.1% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.9% </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;\">2,512 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">2,347 </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\" style=\"text-align:right;vertical-align:bottom;\">1.7% </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;\">220 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">207 </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;\">399 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">287 </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;\">15.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">10.4% </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;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">43 </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\" style=\"text-align:right;vertical-align:bottom;\">100.0% </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>3,364 </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>3,051 </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>5.2% </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>3.9% </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=\"#n2748675\" title=\"Property, plant and equipment\">section 7.5.2</a> and <a href=\"#n2748698\" title=\"Investment property\">section 7.5.3</a>. </p>\n<p>The significant inputs to the level 3 values of investment property are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the investment property and land and buildings for own use. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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:26%;\"/><col style=\"width:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </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 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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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;\">153 </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;\">10,744,691 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.0% </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;\">1,871,288 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.6% </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;\">104,781 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.4% </td></tr>\n<tr><td class=\"startCol-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;\">2,512 </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;\">126,143,320 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5.0% </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;\">5,438,948 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.8% </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;\">5,179 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">220 </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;\">5,646,002 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </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;\">2,043,427 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.8% </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;\">12,900 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1.5% </td></tr>\n<tr><td class=\"startCol-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;\">399 </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;\">19,446,857 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.9% </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;\">6,440,939 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.5% </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 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;\">60,128 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.4% </td></tr>\n<tr><td class=\"startCol-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;\">67 </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><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-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-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 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>163 </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;\">14,465,170 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.1% </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;\">8,663,755 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22.1% </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.8% </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-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>386 </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 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 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 </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>3,913 </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-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:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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;\">155 </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;\">11,834,440 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.6% </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;\">1,775,241 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">10.4% </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;\">9,149 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.6% </td></tr>\n<tr><td class=\"startCol-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;\">2,347 </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;\">107,232,363 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">4.6% </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;\">5,277,404 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">25.9% </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;\">4,807 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">207 </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;\">5,675,431 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.7% </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;\">733,743 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </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;\">3,578 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td></tr>\n<tr><td class=\"startCol-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;\">287 </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;\">19,006,243 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.6% </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;\">6,246,961 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </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;\">58,024 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.9% </td></tr>\n<tr><td class=\"startCol-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\" style=\"text-align:right;vertical-align:middle;\">42 </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></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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-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-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>167 </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;\">14,446,774 </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\" style=\"text-align:right;vertical-align:middle;\">8.9% </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;\">8,645,359 </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\" style=\"text-align:right;vertical-align:middle;\">17.4% </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;\">1,542,905 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.9% </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-top-1\" style=\"text-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>417 </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\" 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\" 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 </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>3,636 </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-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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-615": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747629\"><span class=\"number\">7.7.3 </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 2024 </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;\">11,704 </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;\">11,704 </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;\">8,149 </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;\">3,261 </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;\">294 </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>11,704 </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>11,704 </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>8,149 </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>3,261 </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>294 </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 2023 </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;\">12,821 </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;\">12,821 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,579 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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 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>12,821 </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>9,210 </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>3,579 </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>32 </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 2024 </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;\">8,664 </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;\">8,664 </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;\">8,149 </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;\">515 </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></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>8,664 </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>8,664 </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>8,149 </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>515 </b></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;\"><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-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 2023 </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;\">10,131 </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;\">10,131 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,210 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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\" 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 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>10,131 </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>9,210 </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>833 </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>88 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-616": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-619": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-620": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748851\"><span class=\"number\">7.5.7 </span><span class=\"title-text\">Derivatives </span></h1>\n<p>See accounting policy <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">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 2024 </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 2023 </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;\">11,534 </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;\">8,438 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,447 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,240 </td></tr>\n<tr><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;\">233 </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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,461 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">892 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>12,907 </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<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 <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 7.6.5</a>. </p>\n<p>Derivatives held for mortgage loans of 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 2024 </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 2023 </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;\">46 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,172 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">116 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,936 </td></tr>\n<tr><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;\">10,644 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">8,334 </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;\">230,555 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,655 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">9,766 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">198,897 </td></tr>\n<tr><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;\">704 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">49 </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;\">8,266 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">709 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">59 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">8,539 </td></tr>\n<tr><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;\">52 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">4,340 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">78 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,278 </td></tr>\n<tr><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;\">277 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">37 </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;\">2,724 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">358 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">21 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,794 </td></tr>\n<tr><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;\">44 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">11,246 </td><td class=\"startCol-5 endCol-5 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-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-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;\">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 zero-dash\" style=\"text-align: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-top-1\" style=\"text-align:right;vertical-align:bottom;\">45 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>11,767 </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>8,666 </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>261,302 </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>12,907 </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>10,132 </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>228,952 </b></td></tr></tbody></table> <br/>\n<p>The derivatives do not include the derivatives relating to direct participating insurance contracts of \u20ac\u00a073 million (2023: \u20ac\u00a098 million). </p>\n<p>Net derivatives increased primarily as a result of positive revaluations due to changes in the long-term interest swap rates compared to year-end 2023. </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=\"#n2747809\" title=\"Risk management\">section 7.8</a> on risk management. </p>\n<p>Of the derivatives \u20ac\u00a010,323 million assets (2023: \u20ac\u00a011,638 million) and \u20ac\u00a07,455 million liabilities (2023: \u20ac\u00a08,967 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: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-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>2024 </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>2023 </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;\">46 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><i>329 </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;\">-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;\">-326 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>2 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>3 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-622": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748875\"><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:20%;\"/><col style=\"width:20%;\"/></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;\">\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 2024 </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 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;\">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;\">101 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">636 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>101 </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>636 </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% (2023: 25.8%). The deferred taxes are calculated with the enacted tax rate of 25.8%. </p>\n<p>For subsidiaries outside the fiscal unity the unused tax losses for which no deferred tax has been recognised amount to \u20ac\u00a028 million (2023: \u20ac\u00a028 million). These unused tax losses include expected losses which are already provided for. </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 2024 </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 2024 </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-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-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;\">-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;\">2 </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 </td><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;\">-85 </td></tr>\n<tr><td class=\"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;\">4 </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;\">6 </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;\">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;\">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;\">-707 </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;\">-136 </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;\">-843 </td></tr>\n<tr><td class=\"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;\">549 </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;\">-297 </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;\">-59 </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;\">-217 </td><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;\">-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;\">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;\">-219 </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;\">-556 </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;\">118 </td><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;\">-657 </td></tr>\n<tr><td class=\"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;\">1,470 </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;\">623 </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;\">2,093 </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;\">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;\">-180 </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;\">-33 </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;\">-39 </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;\">-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;\">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\" style=\"text-align:right;vertical-align:bottom;\">-78 </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;\">-19 </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;\">-97 </td></tr>\n<tr><td class=\"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;\">-60 </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;\">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-right-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;\">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;\">-61 </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;\">-36 </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;\">110 </td><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;\">13 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-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\"><td 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>636 </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>-448 </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>-97 </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>10 </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>101 </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 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;\">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;\">-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;\">5 </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\" style=\"text-align:right;vertical-align:bottom;\">-69 </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;\">-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;\">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;\">-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;\">8 </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 </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;\">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;\">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;\">-76 </td><td class=\"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><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\" style=\"text-align:right;vertical-align:bottom;\">-646 </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;\">-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;\">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;\">87 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">1,083 </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;\">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;\">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;\">147 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">-122 </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;\">-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;\">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;\">487 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">581 </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;\">1,470 </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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">42 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-127 </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;\">-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 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;\">-11 </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\" style=\"text-align:right;vertical-align:bottom;\">-67 </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></tr>\n<tr><td class=\"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;\">-82 </td><td class=\"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><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;\">-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\" 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\" style=\"text-align:right;vertical-align:bottom;\">214 </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\" style=\"text-align:right;vertical-align:bottom;\">-152 </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;\">-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"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-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 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>318 </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>-169 </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>-9 </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>495 </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>636 </b></td></tr></tbody></table> <br/>\n<p>In 2024, the decrease in the deferred tax asset is mainly caused by the changes to the tax base of the technical provisions and their related assets. Changes in the composition of the group relates to Aegon Bank N.V. (Knab). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745808\"><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;\">2024 </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;\">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;\">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;\">-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;\">-99 </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;\">156 </td><td class=\"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=\"cBold\"><td class=\"startCol-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>66 </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>-105 </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;\">-448 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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>-448 </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>-169 </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 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>-383 </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>-275 </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 2024, this rate was 25.8% (2023: 25.8%). The enacted tax rate for 2025 will be 25.8%. </p>\n<p>The impact of the current tax to previous periods is to a highly extent set off in the deferred taxes arising from current period. </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;\">2024 </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;\">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;\">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;\">1,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,278 </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>-373 </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>-330 </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>Effects of: </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;\">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;\">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;\">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;\">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;\">9 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">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 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;\">-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;\">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;\">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;\">-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;\">-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;\">Adjustments for taxes due on previous financial 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-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 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;\">-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;\">32 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-383 </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>-275 </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 26.5% (2023: 21.5%). </p>\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, implemented in the Netherlands as the \u201cWet minimum belasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024, applies to multinational enterprises and large-scale domestic groups with consolidated revenues of \u20ac\u00a0750 million or more in at least two out of the last four years. These revenues, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15.\u00a0a.s.r. operates in the Netherlands as a large-scale domestic group and should, in principle, be subject to the top-up tax rules under Pilar 2. a.s.r. has determined that any top-up tax due under Pillar 2 is an income tax within the scope of IAS 12 and accounts for it as a current tax when it is incurred. </p>\n<p>However, a.s.r. has assessed the potential exposure to Pillar 2 and does not expect the impact of the Pillar 2 income taxes to be material. This is because a.s.r. can rely on: </p><ul><li>\n<p>The domestic group exemption during the first five years after the Pillar 2 legislation comes into effect; and </p></li><li>\n<p>The Transitional CbCR Safe Harbour rules during the first three years after the Pillar 2 legislation comes into effect, which allows a.s.r. to reduce the top-up tax to zero. </p></li></ul>\n<p>Although a.s.r. could reduce any top-up tax to zero during the first five years by applying a combination of the domestic group exemption and the Transitional CbCR Safe Harbour rules, a.s.r. notes that it applies the temporary mandatory relief from recognising and disclosing information about deferred taxes related to Pillar 2 income taxes. </p>\n<p>a.s.r. will continue to monitor the developments of Pillar 2 legislation, the applicability of the domestic group exemption, and the applicability of the CbCR Safe Harbour rules on the Group's financial position. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-625": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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=\"n2745935\"><span class=\"number\">7.6.6 </span><span class=\"title-text\">Impairments </span></h1>\n<p>See accounting policy <a href=\"#n2746142\" title=\"C. Intangible assets\">C</a> and <a href=\"#n2746178\" 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>2024 </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>2023 </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 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;\">-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;\">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;\">-3 </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;\">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;\">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;\">-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-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>-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>-36 </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;\">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;\">-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 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;\">-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;\">-13 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>-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>-36 </b></td></tr></tbody></table> <br/>\n<p>In 2023, the impairment in intangible assets related to an impairment of goodwill in segment Distribution and Services, see <a href=\"#n2748654\" title=\"Intangible assets\">section 7.5.1</a>. </p>\n<p>For more information regarding loss allowance see <a href=\"#n2748180\" title=\"Expected credit loss\">section 7.8.4.7</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-626": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-627": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-628": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-629": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-630": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-631": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748893\"><span class=\"number\">7.5.9 </span><span class=\"title-text\">Other assets </span></h1>\n<p>See accounting policy <a href=\"#n2746442\" title=\"R. Other assets\">R</a>. </p>\n<h3 class=\"table-title\">Other assets </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;\">31 December 2024 </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 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;\"><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;\">72 </td><td class=\"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 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;\">666 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,109 </td></tr>\n<tr><td class=\"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;\">-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;\">-34 </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 collateral 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;\">2,341 </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;\">2,333 </td></tr>\n<tr class=\"cBold\"><td class=\"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>3,053 </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>3,425 </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;\">Tax 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;\">194 </td><td class=\"startCol-3 endCol-3 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><td class=\"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;\">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;\">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;\">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;\">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;\">27 </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;\">67 </td><td class=\"startCol-3 endCol-3 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 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>289 </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>172 </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>3,342 </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>3,598 </b></td></tr></tbody></table> <br/>\n<p>The other receivables decrease mainly due to mutations Aegon of which the sale of Knab and differences investment trade-and settlement date differences. </p>\n<h3 class=\"table-title\">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>2024 </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>2023 </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;\">-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><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;\">-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;\">-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;\">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\" 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;\">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;\">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;\">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;\">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 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;\">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 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;\">-34 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>-25 </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>-34 </b></td></tr></tbody></table> <br/>\n<p>An amount of \u20ac\u00a03,331 million (2023: \u20ac\u00a03,570 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-632": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-633": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-638": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748917\"><span class=\"number\">7.5.10 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>See accounting policy <a href=\"#n2746460\" title=\"S. Cash and cash equivalents\">S</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 2024 </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 2023 </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;\">Cash and bank balances </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,228 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,681 </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;\">Short-term 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;\">336 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,581 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Money market 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;\">1,629 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>4,194 </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>7,910 </b></td></tr></tbody></table> <br/>\n<p>In 2024 a.s.r. has no cash (2023: \u20ac\u00a0750 million) that has been transferred as part of a securities lending programme, but does not qualify for derecognition. For more information see <a href=\"#n2748791\" title=\"Investments at FVTPL\">section 7.5.5.1</a>. </p>\n<p>The cash items per year end 2024 are not subject to other restrictions. The cash components include \u20ac\u00a02,663 million (2023: \u20ac\u00a02,824 million) related to cash collateral received on derivative instruments and is managed separately from other cash equivalents. </p>\n<p>Interest expenses on cash collateral is mainly based on \u20acSTR (2023: \u20acSTR). </p>\n<p>As a result of the sale of Knab, there are no deposits with DNB at year-end (2023: \u20ac\u00a070 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-639": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748943\"><span class=\"number\">7.5.11 </span><span class=\"title-text\">Equity </span></h1>\n<p>See accounting policy <a href=\"#n2746478\" title=\"T. Equity\">T</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749057\"><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: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-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 2024 </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 2023 </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;\">114 </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></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>211 </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>34 </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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749075\"><span class=\"number\">7.5.11.2 </span><span class=\"title-text\">Share premium reserve </span></h1>\n<p>In 2024, there were no changes in share premium reserve. </p>\n<p>In 2023, the share premium reserve increased by \u20ac\u00a02,537 million due to the 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 thousands treasury shares (\u20ac\u00a0-35 million), as approved at the AGM in May 2023, see <a href=\"#n2749018\" title=\"Treasury shares\">section 7.5.11.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748962\"><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: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-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 2024 </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 2023 </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-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;\">476 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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-top-1\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">467 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-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;\">-86 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-100 </td><td class=\"startCol-5 endCol-5 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-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;\">-85 </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-top-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\"><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 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>390 </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>42 </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>432 </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>342 </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>41 </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>383 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748999\"><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 increased in 2024 by \u20ac\u00a0113 million after tax and \u20ac\u00a0152 million before tax. (2023: decreased by \u20ac\u00a0120 million after tax and \u20ac\u00a0162 million before tax). The increase is mainly due to an increase in the discount rate (see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749018\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2024, a.s.r. announced a share buyback programme for the amount of 300 thousand shares related to the employee share purchase plan. The repurchase was completed on February 7, 2024. Therefore, during the period from 22 January 2024 through 7 February 2024, a.s.r. repurchased 300 thousand shared under an open market share buyback programme for an amount of \u20ac\u00a013 million (average share price \u20ac\u00a043.27). </p>\n<p>In November 2024, a.s.r. announced a share buyback programme for an amount of \u20ac\u00a0100 million from the proceeds from the disposal of Knab.\u00a0Therefore, during the period from 7 November 2024 through 11 December 2024, a.s.r. repurchased 2,213 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a0100 million (average share price \u20ac\u00a045.18). a.s.r. will seek approval from the General Meeting of Shareholders on 21 May 2025 to cancel the repurchased shares. </p>\n<p>As part of the employee share purchase plan a.s.r. sold 268 thousand shares (2023: 159 thousand shares) for an amount of \u20ac\u00a09 million (2023: \u20ac\u00a05 million), leading to a decrease of \u20ac\u00a02 million (2023: \u20ac\u00a01 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</a>. </p>\n<p>In 2024, no shares are cancelled. 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\u00a0109 million (2023: \u20ac\u00a07 million) represents 2,425 thousand treasury shares (2023: 179 thousand). </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749037\"><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:10%;\"/><col style=\"width:10%;\"/><col style=\"width:25%;\"/><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;\">2024 </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;\">2023 </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 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;\">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-bottom-1 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><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 6.625% 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;\">500 </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-top align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Semi-annually with effect from 27 March 2024 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">27 December 2031 </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\"><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>1,007 </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<p>In March 2024, a.s.r. issued \u20ac\u00a0500 million perpetual subordinated restricted Tier 1 capital securities priced with a fixed rate coupon of 6.625% per annum. The new issue is first callable on 27 December 2031. </p>\n<p>In March 2024, holders of the hybrid Tier 2 instrument 5% fixed interest were offered to tender their notes for cash in accordance with the terms and conditions as set out in the Tender Offer Memorandum. As a result, the carrying value of the hybrid Tier 2 instrument 5% fixed interest decreased by <span style=\"white-space:nowrap;\">\u20ac\u00a0382 million</span>. On 30 September 2024, the remaining outstanding notes with a principal amount of <span style=\"white-space:nowrap;\">\u20ac\u00a0120 million</span> were redeemed in full at their principal amount. </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: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-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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 6.625% fixed interest </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;\">25 </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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</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=\"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 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>63 </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=\"n2748980\"><span class=\"number\">7.5.11.7 </span><span class=\"title-text\">Earnings per share </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;\">2024 </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;\">2023 (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 profit 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;\">1,003 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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 profit from discontinued 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;\">-121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </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 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>882 </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>1,038 </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;\">210,798,737 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">Basic earnings per ordinary share from continuing operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4.76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5.34 </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;\">Basic earnings per ordinary share from discontinued operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.57 </td><td class=\"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></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>4.19 </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>5.80 </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;\">2024 </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;\">2023 (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 profit (loss) attributable to holders of ordinary 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;\">1,003 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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 from continuing operations </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,020 </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>973 </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;\">Net profit from discontinued 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;\">-121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </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>899 </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>1,055 </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;\">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;\">210,798,737 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </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\"><td 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>232,443,759 </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>200,483,751 </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;\">Diluted earnings per ordinary share from continuing operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4.39 </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;\">4.85 </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;\">Diluted earnings per ordinary share from discontinued operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.52 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.41 </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>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>3.87 </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>5.26 </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 <a href=\"#n2745621\" title=\"Consolidated income statement\">section 7.2.2</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-640": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749057\"><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: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-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 2024 </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 2023 </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;\">114 </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></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>211 </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>34 </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/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-641": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749057\"><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: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-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 2024 </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 2023 </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;\">114 </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></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>211 </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>34 </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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749075\"><span class=\"number\">7.5.11.2 </span><span class=\"title-text\">Share premium reserve </span></h1>\n<p>In 2024, there were no changes in share premium reserve. </p>\n<p>In 2023, the share premium reserve increased by \u20ac\u00a02,537 million due to the 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 thousands treasury shares (\u20ac\u00a0-35 million), as approved at the AGM in May 2023, see <a href=\"#n2749018\" title=\"Treasury shares\">section 7.5.11.5</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748962\"><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: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-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 2024 </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 2023 </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-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;\">476 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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-top-1\" style=\"text-align:right;vertical-align:bottom;\">414 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">54 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">467 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-right-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;\">-86 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-100 </td><td class=\"startCol-5 endCol-5 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-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;\">-85 </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-top-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\"><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 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>390 </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>42 </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>432 </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>342 </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>41 </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>383 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748999\"><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 increased in 2024 by \u20ac\u00a0113 million after tax and \u20ac\u00a0152 million before tax. (2023: decreased by \u20ac\u00a0120 million after tax and \u20ac\u00a0162 million before tax). The increase is mainly due to an increase in the discount rate (see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749018\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2024, a.s.r. announced a share buyback programme for the amount of 300 thousand shares related to the employee share purchase plan. The repurchase was completed on February 7, 2024. Therefore, during the period from 22 January 2024 through 7 February 2024, a.s.r. repurchased 300 thousand shared under an open market share buyback programme for an amount of \u20ac\u00a013 million (average share price \u20ac\u00a043.27). </p>\n<p>In November 2024, a.s.r. announced a share buyback programme for an amount of \u20ac\u00a0100 million from the proceeds from the disposal of Knab.\u00a0Therefore, during the period from 7 November 2024 through 11 December 2024, a.s.r. repurchased 2,213 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a0100 million (average share price \u20ac\u00a045.18). a.s.r. will seek approval from the General Meeting of Shareholders on 21 May 2025 to cancel the repurchased shares. </p>\n<p>As part of the employee share purchase plan a.s.r. sold 268 thousand shares (2023: 159 thousand shares) for an amount of \u20ac\u00a09 million (2023: \u20ac\u00a05 million), leading to a decrease of \u20ac\u00a02 million (2023: \u20ac\u00a01 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</a>. </p>\n<p>In 2024, no shares are cancelled. 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\u00a0109 million (2023: \u20ac\u00a07 million) represents 2,425 thousand treasury shares (2023: 179 thousand). </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749037\"><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:10%;\"/><col style=\"width:10%;\"/><col style=\"width:25%;\"/><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;\">2024 </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;\">2023 </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 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;\">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-bottom-1 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><td class=\"startCol-1 endCol-1 valign-top border-right-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 6.625% 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;\">500 </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-top align-left border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Semi-annually with effect from 27 March 2024 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">27 December 2031 </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\"><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>1,007 </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<p>In March 2024, a.s.r. issued \u20ac\u00a0500 million perpetual subordinated restricted Tier 1 capital securities priced with a fixed rate coupon of 6.625% per annum. The new issue is first callable on 27 December 2031. </p>\n<p>In March 2024, holders of the hybrid Tier 2 instrument 5% fixed interest were offered to tender their notes for cash in accordance with the terms and conditions as set out in the Tender Offer Memorandum. As a result, the carrying value of the hybrid Tier 2 instrument 5% fixed interest decreased by <span style=\"white-space:nowrap;\">\u20ac\u00a0382 million</span>. On 30 September 2024, the remaining outstanding notes with a principal amount of <span style=\"white-space:nowrap;\">\u20ac\u00a0120 million</span> were redeemed in full at their principal amount. </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: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-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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">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;\">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><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Restricted Tier 1 instrument 6.625% fixed interest </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;\">25 </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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</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=\"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 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>63 </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-646": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749018\"><span class=\"number\">7.5.11.5 </span><span class=\"title-text\">Treasury shares </span></h1>\n<p>In January 2024, a.s.r. announced a share buyback programme for the amount of 300 thousand shares related to the employee share purchase plan. The repurchase was completed on February 7, 2024. Therefore, during the period from 22 January 2024 through 7 February 2024, a.s.r. repurchased 300 thousand shared under an open market share buyback programme for an amount of \u20ac\u00a013 million (average share price \u20ac\u00a043.27). </p>\n<p>In November 2024, a.s.r. announced a share buyback programme for an amount of \u20ac\u00a0100 million from the proceeds from the disposal of Knab.\u00a0Therefore, during the period from 7 November 2024 through 11 December 2024, a.s.r. repurchased 2,213 thousand shares under an open market share buyback programme for an amount of \u20ac\u00a0100 million (average share price \u20ac\u00a045.18). a.s.r. will seek approval from the General Meeting of Shareholders on 21 May 2025 to cancel the repurchased shares. </p>\n<p>As part of the employee share purchase plan a.s.r. sold 268 thousand shares (2023: 159 thousand shares) for an amount of \u20ac\u00a09 million (2023: \u20ac\u00a05 million), leading to a decrease of \u20ac\u00a02 million (2023: \u20ac\u00a01 million) in retained earnings. For more information on the employee share purchase plan, see <a href=\"#n2747691\" title=\"Employee Share Purchase Plan\">section 7.7.6</a>. </p>\n<p>In 2024, no shares are cancelled. 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\u00a0109 million (2023: \u20ac\u00a07 million) represents 2,425 thousand treasury shares (2023: 179 thousand). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-648": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748980\"><span class=\"number\">7.5.11.7 </span><span class=\"title-text\">Earnings per share </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;\">2024 </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;\">2023 (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 profit 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;\">1,003 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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 profit from discontinued 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;\">-121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </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 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>882 </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>1,038 </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;\">210,798,737 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">Basic earnings per ordinary share from continuing operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4.76 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5.34 </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;\">Basic earnings per ordinary share from discontinued operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.57 </td><td class=\"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></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>4.19 </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>5.80 </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;\">2024 </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;\">2023 (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 profit (loss) attributable to holders of ordinary 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;\">1,003 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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 from continuing operations </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,020 </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>973 </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;\">Net profit from discontinued 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;\">-121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">82 </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>899 </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>1,055 </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;\">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;\">210,798,737 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">178,838,730 </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\"><td 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>232,443,759 </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>200,483,751 </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;\">Diluted earnings per ordinary share from continuing operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4.39 </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;\">4.85 </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;\">Diluted earnings per ordinary share from discontinued operations (in euros) </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-0.52 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">0.41 </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>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>3.87 </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>5.26 </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 <a href=\"#n2745621\" title=\"Consolidated income statement\">section 7.2.2</a>. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-650": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749098\"><span class=\"number\">7.5.12 </span><span class=\"title-text\">Subordinated liabilities </span></h1>\n<p>See accounting policy <a href=\"#n2746502\" title=\"U. Financing\">U</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 2024 </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 2023 </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;\">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 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;\">508 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">507 </td></tr>\n<tr><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;\">993 </td><td class=\"startCol-4 endCol-4 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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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>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>2,007 </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 4.000 % and updated once every five years. </p>\n<p>In 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-651": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749117\"><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=\"#n2746199\" 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 2024 </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 2023 </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 2024 </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 2023 </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;\">5,781 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,401 </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;\">1,992 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,804 </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>7,772 </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>7,205 </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;\">56,443 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">56,063 </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>56,443 </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>56,063 </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>52 </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>34 </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\"><td 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>64,267 </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>63,302 </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;\">195 </td><td class=\"startCol-3 endCol-3 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-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;\">82 </td><td class=\"startCol-3 endCol-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 format-highlight zero-dash\" style=\"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;\">205 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><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;\">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;\">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-right-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 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>485 </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>501 </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=\"n2749159\"><span class=\"number\">7.5.13.1 </span><span class=\"title-text\">Insurance contracts - Non-life </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year GMM and PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:11%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/></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-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-6 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-7 endCol-7 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>Total </b></th></tr>\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 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-6 valign-middle 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:middle;border-bottom:1px solid;\"><b>Contracts measured under PAA </b></th><th class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 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 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>Excluding loss component </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>Loss component </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>Contracts measured under GMM </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non financial risk </b></th><th class=\"startCol-7 endCol-7 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></tr></thead><tbody>\n<tr><td 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 2024 </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>467 </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>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 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>1,975 </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>68 </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>7,205 </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><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 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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under GMM, 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;\">-2,047 </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 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;\">-2,047 </td></tr>\n<tr><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;\">-1,100 </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 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;\">-1,100 </td></tr>\n<tr><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 modified 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;\">-465 </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 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;\">-465 </td></tr>\n<tr><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;\">-483 </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 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;\">-483 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,567 </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-bottom align-right border-bottom-1 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-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-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;\">-3,567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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><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 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><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 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;\">-28 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,569 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,655 </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;\">20 </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;\">4,215 </td></tr>\n<tr><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 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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </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;\">-65 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right 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-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 format-highlight 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;\">22 </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 format-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 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </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>-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>1,617 </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>2,590 </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>-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>4,198 </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><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 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;\">298 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">738 </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;\">1,036 </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;\">24 </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 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;\">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>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>24 </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>298 </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>738 </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>1,061 </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><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 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>24 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,915 </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>3,328 </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>-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>5,258 </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><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 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>-5,590 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,915 </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>3,328 </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>-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>-356 </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><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=\" cBoderType2\"><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 result 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;\">53 </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\" style=\"text-align:right;vertical-align:bottom;\">143 </td><td class=\"startCol-5 endCol-5 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-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;\">3 </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;\">272 </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>-5,537 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,058 </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>3,400 </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>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>-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-left-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><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 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><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 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;\">5,579 </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 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;\">5,579 </td></tr>\n<tr><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;\">-527 </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;\">-1,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,866 </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;\">-4,897 </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;\">-30 </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 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 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>5,021 </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>-1,504 </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>-2,866 </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>651 </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><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 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;\">-78 </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;\">75 </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;\">3 </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 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;\">526 </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;\">-526 </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 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><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>At 31 December 2024 </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>400 </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>23 </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>5,220 </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>2,059 </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>71 </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>7,772 </b></td></tr></tbody></table> <br/>\n<p>Other relates to the transfer of the Aegon P&amp;C acquired claims portfolio from GMM to PAA, so that the complete P&amp;C portfolio would fall under the PAA model. This could be done due to the very limited CSM that was remaining on this portfolio at the moment of the transfer (\u20ac\u00a01 million early release to the insurance contract revenue). </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year GMM and PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:11%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/></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-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-6 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-7 endCol-7 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>Total </b></th></tr>\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 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-6 valign-middle 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:middle;border-bottom:1px solid;\"><b>Contracts measured under PAA </b></th><th class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 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 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>Excluding loss component </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>Loss component </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>Contracts measured under GMM </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non financial risk </b></th><th class=\"startCol-7 endCol-7 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></tr></thead><tbody>\n<tr><td 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-243 </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>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>1,682 </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>55 </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>5,713 </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><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 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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under GMM, 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;\">-1,686 </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 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;\">-1,686 </td></tr>\n<tr><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;\">-839 </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 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;\">-839 </td></tr>\n<tr><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 modified 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;\">-306 </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 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;\">-306 </td></tr>\n<tr><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;\">-541 </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 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;\">-541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,693 </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 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;\">-3,693 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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><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 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><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 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;\">-31 </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;\">1,392 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,844 </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;\">21 </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;\">4,226 </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;\">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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-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;\">29 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </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 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;\">31 </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-bottom align-right border-bottom-1 border-left-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 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\" style=\"text-align:right;vertical-align:bottom;\">31 </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 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>1,383 </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>2,873 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,267 </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><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 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;\">264 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">682 </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;\">946 </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;\">24 </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 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;\">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>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>24 </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>264 </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>682 </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>970 </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><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 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>24 </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>1,648 </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>3,555 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,237 </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><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 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>-5,355 </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>1,648 </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>3,555 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-142 </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><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=\" cBoderType2\"><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 result 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;\">22 </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;\">173 </td><td class=\"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><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-top-1\" style=\"text-align:right;vertical-align:bottom;\">253 </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>-5,332 </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>1,821 </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>3,610 </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>13 </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>111 </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><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 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><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 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;\">5,101 </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 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;\">5,101 </td></tr>\n<tr><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\" 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 zero-dash\" style=\"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;\">-1,346 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,841 </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;\">-4,674 </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;\">-32 </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 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;\">-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>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>4,581 </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>-1,346 </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>-2,841 </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>395 </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><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 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\" style=\"text-align:right;vertical-align:bottom;\">985 </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><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-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;\">986 </td></tr>\n<tr><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 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;\">476 </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;\">-476 </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 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><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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>467 </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>4,666 </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>1,975 </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>68 </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>7,205 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts measured under GMM, 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 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-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 fair value approach </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 align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2024 </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-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-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </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>5,401 </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-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;\">-61 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">93 </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\" style=\"text-align:right;vertical-align:bottom;\">22 </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;\">-9 </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 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;\">-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;\">- 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;\">-109 </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\" style=\"text-align:right;vertical-align:bottom;\">101 </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;\">101 </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;\">23 </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;\">-148 </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;\">-137 </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;\">-11 </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;\">-148 </td></tr>\n<tr><td class=\"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;\">-23 </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;\">-23 </td></tr>\n<tr><td class=\"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;\">-28 </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 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;\">-9 </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 relate 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;\">54 </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;\">-6 </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 format-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 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-153 </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>-14 </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>46 </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>35 </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>11 </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>-121 </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 result 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;\">177 </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;\">10 </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;\">11 </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 </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;\">197 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>24 </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>-4 </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>57 </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>46 </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>11 </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>76 </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;\">1,915 </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;\">1,915 </td></tr>\n<tr><td class=\"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;\">-1,504 </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;\">-1,504 </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;\">-30 </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;\">-30 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>381 </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>381 </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;\">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;\">-75 </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 </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;\">-78 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>5,271 </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>217 </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>293 </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>201 </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>92 </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>5,781 </b></td></tr></tbody></table> <br/>\n<p>Other relates to the transfer of the Aegon P&amp;C acquired claims portfolio from GMM to PAA, so that the complete P&amp;C portfolio would fall under the PAA model. This could be done due to the very limited CSM that was remaining on this portfolio at the moment of the transfer (\u20ac\u00a01 million early release to the insurance contract revenue). </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts measured under GMM, 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 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-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 fair value approach </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 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </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>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\" 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-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\" 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 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-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-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\" 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 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;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">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;\">28 </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;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">96 </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 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\" 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-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\" 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 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-top-1 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;\">-70 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-57 </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;\">-13 </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;\">-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 zero-dash\" 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;\">-33 </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 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;\">-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\" 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\" 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 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;\">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\" 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-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 relate 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;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </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 border-right-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\" 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\" 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-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>-90 </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>15 </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>67 </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>52 </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>15 </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>-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\" 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-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 result 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;\">187 </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-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;\">-0 </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;\">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\" 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-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>96 </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>19 </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>71 </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>56 </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>15 </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>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-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-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\" 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 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;\">1,658 </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-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;\">1,658 </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\" 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 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-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;\">-1,346 </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\" 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 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-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;\">-32 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>280 </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-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>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\" 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-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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">96 </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;\">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\" 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-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>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\" 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\" 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\" 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </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>5,401 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749180\"><span class=\"number\">7.5.13.2 </span><span class=\"title-text\">Insurance contracts - Life </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year GMM </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 2024 </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>55,585 </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>258 </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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-2,906 </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;\">-2,906 </td></tr>\n<tr><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;\">-1,972 </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;\">-1,972 </td></tr>\n<tr><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;\">-934 </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;\">-934 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,443 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,428 </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;\">-9 </td><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;\">-9 </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>-25 </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>2,443 </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>2,419 </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;\">128 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">128 </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>128 </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>130 </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>-25 </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>2,571 </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>2,549 </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;\">-720 </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;\">720 </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>-3,624 </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>-25 </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>3,292 </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>-357 </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 result 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;\">2,412 </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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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;\">2,414 </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>-1,212 </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>-23 </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>3,292 </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>2,057 </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;\">1,670 </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;\">1,670 </td></tr>\n<tr><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 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;\">-3,330 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,330 </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;\">-17 </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;\">-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>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>1,653 </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>-3,330 </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-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>56,025 </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>198 </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>220 </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>56,443 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year GMM </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\" 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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-2,113 </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;\">-2,113 </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\" 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 zero-dash\" style=\"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;\">-1,148 </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\" 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 zero-dash\" style=\"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;\">-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\" 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;\">-32 </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;\">1,744 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,712 </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 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;\">41 </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;\">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>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>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\" 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\" 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\" 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;\">132 </td><td class=\"startCol-5 endCol-5 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 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>132 </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>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\" 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>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\" 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\" 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\" 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;\">-619 </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;\">619 </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>-2,730 </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-right-1 border-top-1\" 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\" 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\" 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 result 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;\">2,415 </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-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;\">2,416 </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\" 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\" 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\" 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\" 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\" 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;\">927 </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;\">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\" 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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-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\" 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 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>-2,501 </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>-1,581 </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\" 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;\">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\" 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 zero-dash\" style=\"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><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr><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;\">-122 </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;\">122 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>55,585 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>258 </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>56,063 </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 2024 </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>\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;\">-455 </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;\">-65 </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;\">520 </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;\">188 </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;\">332 </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;\">4 </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;\">-24 </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;\">-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;\">- 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;\">-49 </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;\">28 </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;\">31 </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-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;\">10 </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;\">-211 </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;\">-171 </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;\">-40 </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;\">-211 </td></tr>\n<tr><td class=\"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;\">-151 </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;\">-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;\">- 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;\">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-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;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-486 </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>-211 </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>340 </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>49 </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>292 </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>-357 </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 result 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;\">2,177 </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;\">123 </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;\">114 </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;\">114 </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;\">2,414 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>1,690 </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>-88 </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>454 </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>162 </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>292 </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>2,057 </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;\">1,670 </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;\">1,670 </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;\">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;\">-3,330 </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;\">-3,330 </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;\">-17 </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;\">-17 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-1,677 </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>-1,677 </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-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>At 31 December 2024 </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>50,327 </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>1,994 </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>4,122 </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>3,284 </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>838 </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>56,443 </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 2023 </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>\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;\">-194 </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;\">168 </td><td class=\"startCol-4 endCol-4 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-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-right-1 border-top-1\" 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 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;\">38 </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-top-1 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;\">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\" 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\" 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\" 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\" 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 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;\">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\" 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;\">-145 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">-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 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;\">-103 </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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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>-266 </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>84 </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>-44 </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>-40 </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>-3 </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>-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\" 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 result 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;\">2,391 </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;\">-45 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-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-top-1\" 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 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;\">2,416 </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\" 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>2,125 </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>39 </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>27 </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>30 </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>-3 </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>2,190 </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\" 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;\">927 </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;\">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\" 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 zero-dash\" style=\"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;\">-2,505 </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\" 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 zero-dash\" style=\"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;\">-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\" 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 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>-1,581 </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\" 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;\">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\" 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\" 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\" 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\" 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 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;\">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\" 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>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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749138\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Reinsurance contracts - Non-life and Life </span></h1>\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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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>2024 </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>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>298 </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>200 </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>501 </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;\">-678 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-678 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">559 </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;\">559 </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-right-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-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;\">29 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-678 </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>589 </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>-90 </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 result 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;\">19 </td><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;\">7 </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;\">26 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-659 </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>596 </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>-64 </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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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></tr>\n<tr><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;\">655 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">655 </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;\">Reinsurance recoveries 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;\">-607 </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;\">-607 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>655 </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>-607 </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>48 </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-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-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-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 zero-dash\" style=\"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-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>278 </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>204 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>485 </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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>131 </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>248 </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>381 </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;\">-392 </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;\">-392 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">330 </td><td class=\"startCol-5 endCol-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;\">331 </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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </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;\">34 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-392 </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>364 </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>-27 </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 result 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;\">-14 </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;\">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=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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>-406 </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>371 </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>-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\" 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-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;\">388 </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;\">388 </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;\">Reinsurance recoveries 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;\">-419 </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;\">-419 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>388 </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>-419 </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>-31 </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-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\" 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-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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>298 </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>200 </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>3 </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>501 </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-center border-bottom-1 border-top-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 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>2024 </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>-139 </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>485 </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>75 </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>70 </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><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>420 </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;\">-37 </td><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 </td><td class=\"startCol-4 endCol-4 valign-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-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;\">29 </td><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 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 zero-dash\" style=\"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 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;\">-19 </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;\">-19 </td><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;\">-0 </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><td class=\"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;\">-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-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;\">-41 </td></tr>\n<tr><td class=\"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;\">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;\">0 </td><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;\">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-left-1 border-right-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>17 </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>-0 </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>17 </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>-16 </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>-39 </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>15 </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>10 </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><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>-40 </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 result 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;\">-6 </td><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;\">25 </td><td class=\"startCol-4 endCol-4 valign-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 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 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;\">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-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-22 </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>-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 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-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-right-1 border-top-1 format-highlight\" 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </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;\">539 </td><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;\">539 </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;\">Reinsurance recoveries 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;\">-528 </td><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;\">-528 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>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 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>11 </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;\">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;\">-13 </td><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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>470 </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>93 </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>83 </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>10 </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>400 </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-center border-bottom-1 border-top-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 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>309 </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 </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>-0 </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>2 </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>319 </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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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;\">-0 </td></tr>\n<tr><td class=\"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;\">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-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;\">-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\" 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;\">- 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;\">-12 </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;\">-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-right-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-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;\">-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-left-1 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>-8 </b></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;\"><b>-1 </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>-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-36 </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>43 </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>-34 </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>-38 </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>3 </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>-27 </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 result 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;\">-10 </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;\">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\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-46 </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>43 </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>-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\" style=\"text-align:right;vertical-align:bottom;\"><b>-36 </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>3 </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 </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;\">283 </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;\">283 </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;\">Reinsurance recoveries received </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;\">-333 </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;\">-333 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-50 </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>-50 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">-352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">433 </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;\">105 </td><td class=\"startCol-5 endCol-5 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-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;\">186 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-139 </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>485 </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>75 </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>70 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>420 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749200\"><span class=\"number\">7.5.13.4 </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<p>The following are key assumption and methodologies used in the valuation of the insurance liabilities and are discussed in more detail further in this chapter: </p><ul><li>\n<p>actuarial assumptions: addressing mortality and longevity, lapse, cancellation and surrender assumptions and for expenses; </p></li><li>\n<p>risk adjustment; </p></li><li>\n<p>discount rate; and </p></li><li>\n<p>coverage units </p></li></ul>\n<div class=\"header header-2\">7.5.13.4.1 Changes in estimates </div>\n<p>Assumptions are reviewed periodically, based on historical experience, observable market data, including market transactions such as acquisitions and reinsurance transactions, anticipated trends and legislative changes. Similarly, the models and systems used for determining our insurance liabilities are reviewed periodically and, if deemed necessary, updated based on emerging best practices and available technology. </p>\n<p>During 2024, a.s.r. continued with the harmonisation of assumptions and methods between Aegon NL and a.s.r., which is expected to continue in the coming years. The main impacts of the harmonisation process and annual update of the non-economic assumptions are the impacts on the mortality, expense, inflation and disability and the update of the coverage units. </p>\n<div class=\"header header-4\">Mortality assumption </div>\n<p>For the mortality assumptions, next to the harmonisation of the mortality table principles, a.s.r. implemented several refinements to the mortality model and updated the model to the latest available data and experience factors. These updates resulted in a reduction of \u20ac\u00a0105 million on the insurance liabilities fulfilment cashflows, increasing the CSM. As part of the harmonisation of assumptions and methods between Aegon NL and a.s.r.,\u00a0a new mortality table was developed, based on the Aegon mortality table principles, with updated data as from 2024, which resulted in a reduction of \u20ac\u00a071 million on the insurance liabilities, increasing the CSM. Previously a.s.r. applied the Dutch Koninklijk Actuarieel Genootschap tables. The mortality assumption updates also had an impact on the loss component, leading to a net future services dotation with a negative P&amp;L impact of \u20ac\u00a013 million </p>\n<div class=\"header header-4\">Expense assumption </div>\n<p>The maintenance expense methodologies of a.s.r. and Aegon NL are aligned, and the parameters used for the maintenance expense reserve were updated. These updates consisted of numerous changes with partly offsetting impacts, which in aggregate resulted in a reduction of \u20ac\u00a0258 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The annual update of the investment expense assumptions resulted in an increase of \u20ac\u00a024 million on the insurance liabilities fulfilment cashflows from direct participating insurance contracts, decreasing the CSM of contracts measured under VFA (see <a href=\"#n2749290\" title=\"Liabilities arising from direct participating insurance contracts\">section 7.5.14)</a>. The assumption update also had an impact on the loss component, leading to a future services release to the P&amp;L of \u20ac\u00a0114 million. </p>\n<div class=\"header header-4\">Inflation assumption </div>\n<p>As part of the harmonisation process, a.s.r.\u2019s methodology for inflation is also implemented for the Aegon NL life portfolios, which resulted in a decrease of \u20ac\u00a051 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The annual update of the inflation assumption results in a partially offsetting increase of \u20ac\u00a019 million in fulfilment cashflows, decreasing the CSM. The impact on pre-tax income in 2024 of these updates is limited, as the impact relates almost entirely to future services.\u00a0</p>\n<div class=\"header header-4\">Disability </div>\n<p>For the Disability business, a.s.r. updated the non-economic assumptions, including updates for assumptions for disability percentage, incidence and recovery rates and mandated brokers, which resulted in a reduction of \u20ac\u00a062 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The impact on pre-tax income in 2024 of these updates is \u20ac\u00a05 million, which concerns the impact on past services. The remainder of the impact relates to future services.\u00a0</p>\n<div class=\"header header-4\">Harmonisation on Coverage units </div>\n<p>a.s.r. and Aegon NL reassessed the defined coverage units in a consistent manner for similar products, and reassessment of identified coverage units for dissimilar products. Subsequently, all information was incorporated in the updated a.s.r. CSM-engine model, which resulted in a fractional lower release of the CSM through profit or loss in 2024 (\u20ac\u00a019 million) than would have been in the situation before the alignment and integration. </p>\n<div class=\"header header-2\">7.5.13.4.2 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 and a.s.r.\u2019s past experience and are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions.\u00a0</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\">7.5.13.4.3 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 2024 </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<p>The implied confidence levels at 31 December 2023 were equal to those implied at 31 December 2024. </p>\n<div class=\"header header-2\">7.5.13.4.4 Discount </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 3.25 % in 2024 (2023: 3.40%) for the construction of the curve from the first smoothing point (FSP). The impact of the decrease in UFR is \u20ac\u00a0131 million on the value of the insurance contract liabilities and \u20ac\u00a027 million on the liabilities arising from direct participating insurance contracts. </p>\n<p>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 <a href=\"#n2749290\" title=\"Liabilities arising from direct participating insurance contracts\">section 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;\">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>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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 2024 </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;\">2.64% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.54% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.67% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.66% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.63% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.72% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.81% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-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;\">3.23% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.13% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.26% </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;\">3.12% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.11% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.13% </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">7.5.13.4.5 Coverage units </div>\n<p>Coverage units are determined based on the expected insurance contract services. The insurance contract services are determined considering the (weighted) quantity of the benefits provided from insurance and investment (return/related) services. If a contract provides coverage for more than one insured event or if it provides additional investment (return/related) services, the coverage unit reflects all material benefits. </p>\n<p>a.s.r. has defined coverage units that differ per product type to best reflect a product\u2019s characteristics and the nature of the services provided to the policyholder. Insurance services are typically depicted by a metric that is based on the maximum amount that a policyholder would receive if the insured event were to occur, such as the total benefits amount or the death benefit amount. For investment-type services, coverage units are based on the total service that a.s.r. expects to provide the policyholder over the lifetime of the contract, which is best represented by the coverage unit 'total premium'. </p>\n<h3 class=\"table-title\">Coverage units </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:50%;\"/><col style=\"width:50%;\"/></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;\">Product type </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>Coverage unit driver </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>Pensions </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Benefit (DB) </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;\">Attainable pension </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Contribution (DC) - open book </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;\">Attainable pension </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Contribution (DC) - closed book </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;\">Total premium </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;\">Pensions - Term insurance </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;\">Sum assured including indexation </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>Individual Life </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unit Linked </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;\">Total premium </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Term Insurance </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;\">Sum assured (including indexation) </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Saving Mortgage </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;\">Sum assured (including indexation) </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Annuity </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;\">Annuity payable </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;\">Traditional Saving / Endowment </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;\">Sum assured (including indexation) </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>Funeral </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Sum assured including indexation </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749231\"><span class=\"number\">7.5.13.5 </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;\">2024 </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;\">598 </td><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;\">817 </td><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;\">1,415 </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;\">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;\">9 </td><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;\">30 </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>620 </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>826 </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>1,446 </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;\">-744 </td><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;\">-811 </td><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;\">-1,555 </td></tr>\n<tr><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;\">23 </td><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;\">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 zero-dash\" style=\"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;\">31 </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;\">101 </td><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;\">101 </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>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>23 </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>23 </b></td></tr></tbody></table> <br/>\n<p>Onerous Non-life contracts issued consist for about two thirds of Sickness Leave yearly prolongations at a combined ratio slightly above 100% due to an increased claims ratio, whereby cost synergies were not yet taken into account. The remainder consist of a part of the Group Disability production which was priced slightly above 100% for commercial reasons, which is more than offset by profitable other Group Disability products in the same portfolio. </p>\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;\">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>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;\">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 zero-dash\" style=\"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;\">1,333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,433 </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\" 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 zero-dash\" style=\"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\" 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\" 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 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>1,333 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-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;\">-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 zero-dash\" style=\"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;\">-1,475 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,724 </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\" 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\" 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\" 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\" 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 zero-dash\" style=\"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;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">192 </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>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 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-top-1 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: Life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:51%;\"/><col style=\"width:13%;\"/><col style=\"width:12%;\"/><col style=\"width:11%;\"/><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;\">2024 </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;\">141 </td><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;\">474 </td><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;\">615 </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;\">15 </td><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;\">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>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>143 </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>489 </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>632 </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;\">-186 </td><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;\">-495 </td><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;\">-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;\">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;\">12 </td><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;\">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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </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;\">31 </td><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;\">31 </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>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>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 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>10 </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;\">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>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;\">215 </td><td class=\"startCol-3 endCol-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-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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;\">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;\">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\" 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\" 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\" 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\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-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;\">-315 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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;\">5 </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;\">1,080 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,107 </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\" 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 zero-dash\" style=\"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;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,118 </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>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>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 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>11 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: reinsurance contracts </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-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>2024 </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>2023 </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 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;\">193 </td></tr>\n<tr><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 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;\">-731 </td></tr>\n<tr><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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">434 </td></tr>\n<tr><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 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\" style=\"text-align:right;vertical-align:bottom;\">104 </td></tr></tbody></table> <br/>\n<p>In 2023, reinsurance contracts consist almost completely of contracts acquired of Aegon NL. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749254\"><span class=\"number\">7.5.13.6 </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:29%;\"/><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:8%;\"/></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 2024 </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;\">44 </td><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;\">31 </td><td class=\"startCol-4 endCol-4 valign-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-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;\">19 </td><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;\">19 </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;\">94 </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;\">68 </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;\">293 </td></tr>\n<tr><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;\">186 </td><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;\">186 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">176 </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;\">170 </td><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;\">163 </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;\">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;\">2,504 </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;\">4,122 </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;\">-9 </td><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-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 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;\">-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\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr><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;\">-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;\">-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;\">-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\" 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;\">-2 </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;\">-13 </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;\">-50 </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;\">-74 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>219 </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>206 </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>187 </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>187 </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>181 </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>819 </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>2,522 </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>4,322 </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 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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;\">51 </td><td class=\"startCol-3 endCol-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><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;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-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-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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-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\" 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\" 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;\">-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\" 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\" 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;\">-3 </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 </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;\">-15 </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;\">-28 </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;\">-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>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\" 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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,829 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749272\"><span class=\"number\">7.5.13.7 </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 2024. </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 2024 </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;\">2015 </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;\">2016 </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;\">2017 </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;\">2018 </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;\">2019 </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;\">2020 </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;\">2021 </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;\">2022 </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;\">2023 </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;\">2024 </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;\">2,027 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,366 </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;\">4,391 </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;\">2,017 </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;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,262 </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;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,312 </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;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,367 </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;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,464 </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;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,621 </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;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,091 </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;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,509 </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;\">2024 </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;\">2,044 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,279 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,339 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,500 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,518 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,684 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,210 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,529 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,391 </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 2024 </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>2,044 </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>2,279 </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>2,339 </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>2,500 </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>2,518 </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>2,684 </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>3,210 </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>3,529 </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>4,391 </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>4,391 </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;\">1,859 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,060 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,113 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,084 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,108 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,417 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,548 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,151 </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;\">2,013 </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 2015 to 2024 </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>185 </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>228 </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>279 </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>387 </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>435 </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>575 </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>793 </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>981 </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>1,240 </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>2,379 </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>7,482 </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 2015 </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;\">1,048 </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;\">-1,365 </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;\">153 </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;\">32 </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\"><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>7,350 </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 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;\">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-right-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-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;\">1,975 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" 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\" 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\" style=\"text-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;\">1,953 </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;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,017 </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;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,262 </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;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,312 </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;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,367 </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;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,464 </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;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,621 </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;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">3,091 </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;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,895 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,509 </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 2023 </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>1,895 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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;\">1,736 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,825 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,015 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,055 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,010 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,020 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>254 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>319 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>443 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>662 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>873 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" 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\" 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\" 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\" 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;\">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\" 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;\">-1,289 </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\" 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;\">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\" 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;\">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\" 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\"><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>6,710 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2749290\"><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=\"#n2746199\" title=\"F1. Insurance contracts\">F1</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749363\"><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 VFA </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 2024 </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>35,790 </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>228 </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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-1,081 </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;\">-1,081 </td></tr>\n<tr><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;\">-994 </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;\">-994 </td></tr>\n<tr><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;\">-87 </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;\">-87 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">779 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">767 </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;\">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;\">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>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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>779 </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>772 </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;\">155 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </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>155 </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>159 </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>-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>934 </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>932 </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;\">-1,263 </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;\">1,263 </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>-2,340 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,197 </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>-149 </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 result 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;\">3,072 </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;\">3,071 </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>732 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,197 </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>2,922 </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;\">1,557 </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;\">1,557 </td></tr>\n<tr><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 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;\">-2,203 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,203 </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;\">-12 </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;\">-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 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>1,545 </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>-2,203 </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>-658 </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 </td><td class=\"startCol-2 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-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;\">20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>38,087 </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>68 </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>222 </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>38,377 </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 VFA </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\" 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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-603 </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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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;\">-5 </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;\">402 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">-16 </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;\">-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 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>-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\" 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\" 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\" 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;\">124 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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>4 </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>124 </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>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\" 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>4 </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>-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\" 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\" 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\" 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;\">-838 </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;\">838 </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>-1,437 </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>-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\" 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\" 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\" 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 result 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;\">2,542 </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;\">-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-top-1\" 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\" 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\" 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\" 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\" 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\" 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;\">1,283 </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;\">1,283 </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\" 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;\">-1,367 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,368 </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\" 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>1,278 </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>-1,367 </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>-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\" 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;\">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\" 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 zero-dash\" style=\"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;\">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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">128 </td><td class=\"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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>35,790 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>228 </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>36,093 </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 VFA </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 2024 </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>\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;\">-139 </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;\">51 </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;\">88 </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;\">63 </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;\">25 </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;\">18 </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;\">-29 </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;\">-10 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">16 </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;\">-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;\">-72 </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;\">-30 </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><td class=\"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;\">-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-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;\">-40 </td></tr>\n<tr><td class=\"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;\">-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-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;\">-14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-122 </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>-14 </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>-13 </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>-8 </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>-5 </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>-149 </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 result 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;\">3,060 </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;\">9 </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\" 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,071 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>2,938 </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>-12 </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 </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>-8 </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>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>2,922 </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;\">1,557 </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;\">1,557 </td></tr>\n<tr><td class=\"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;\">-2,203 </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;\">-2,203 </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;\">-12 </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;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-658 </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>-658 </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;\">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;\">20 </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;\">20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>36,587 </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>530 </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>1,260 </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>1,063 </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>197 </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>38,377 </b></td></tr></tbody></table> <br/>\n<p>For more information on changes in estimates, see section <a href=\"#n2749200\" title=\"Assumptions used\">7.5.13.4</a>. </p>\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 (VFA) </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\" 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-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\" 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\" 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\" 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;\">-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;\">30 </td><td class=\"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;\">-32 </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;\">27 </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 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;\">-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;\">-11 </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;\">-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\" 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\" 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 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;\">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\" 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;\">-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;\">-32 </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;\">-33 </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;\">-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 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;\">-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-top-1\" 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\" 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-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;\">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\" 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>-29 </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\" 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\" 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\" 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\" 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\" 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 result 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;\">2,498 </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;\">36 </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;\">37 </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;\">2,536 </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\" 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>2,469 </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>7 </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>-35 </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>-65 </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>30 </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>2,442 </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\" 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;\">1,283 </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;\">1,283 </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\" 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 zero-dash\" style=\"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;\">-1,368 </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\" 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-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;\">-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>-89 </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>-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\" 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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">1,137 </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;\">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\" 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 zero-dash\" style=\"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;\">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\" 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>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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>36,093 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2024, the liabilities included a guarantee provision for a carrying amount of \u20ac\u00a058 million (2023: \u20ac\u00a063 million) and a provision related to unit-linked insurance contracts of \u20ac\u00a036 million (2023: \u20ac\u00a037 million). These provisions relate to compensation for the costs of these contracts. </p>\n<p>An amount of \u20ac\u00a0417 million (2023: \u20ac\u00a0229 million) of the liabilities arising from direct participating insurance contracts is related to the a.s.r. pension DC plans. </p>\n<p>For more information on the assumptions used and changes in estimates, see <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749309\"><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;\">2024 </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\" 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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><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;\">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;\">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;\">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\" 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;\">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>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>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>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 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>76 </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;\">-47 </td><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;\">-17 </td><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;\">-64 </td></tr>\n<tr><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 zero-dash\" style=\"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 </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 zero-dash\" style=\"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></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>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>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 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>16 </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;\">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 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;\">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\" 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 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\" 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 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;\">69 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">21,693 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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;\">-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;\">-55 </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;\">-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\" 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 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\" 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\" 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 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;\">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\" style=\"text-align:right;vertical-align:bottom;\">1,137 </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>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>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 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>18 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749327\"><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:29%;\"/><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:8%;\"/></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>2024 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>94 </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>88 </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>82 </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>76 </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>71 </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>280 </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>570 </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>1,260 </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;\">2023 </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;\">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;\">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;\">85 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </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;\">73 </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;\">278 </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;\">562 </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;\">1,264 </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749345\"><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 (2023: \u20ac\u00a011 million) mainly concern acquisition cash flows relating to insurance contracts, specifically Werknemerspensioen, not yet recognised. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745854\"><span class=\"number\">7.6.2 </span><span class=\"title-text\">Insurance service expenses </span></h1>\n<p>See <a href=\"#n2746557\" title=\"W2. Insurance service expenses\">accounting policy W2</a>. </p>\n<p>Total insurance service expenses increased by \u20ac\u00a01,112 million to \u20ac\u00a08,739 million comprising claims and benefits (\u20ac\u00a0989 million increase) and insurance service operating expenses (\u20ac\u00a0123 million increase). The increase in insurance service expenses was mostly in the Life segment, this increase was mainly driven by the acquired activities of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfClaimsAndBenefitsPaidExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-652": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749117\"><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=\"#n2746199\" 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 2024 </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 2023 </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 2024 </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 2023 </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;\">5,781 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,401 </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;\">1,992 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,804 </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>7,772 </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>7,205 </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;\">56,443 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">56,063 </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>56,443 </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>56,063 </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>52 </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>34 </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\"><td 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>64,267 </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>63,302 </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;\">195 </td><td class=\"startCol-3 endCol-3 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-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;\">82 </td><td class=\"startCol-3 endCol-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 format-highlight zero-dash\" style=\"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;\">205 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">211 </td><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;\">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;\">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-right-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 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>485 </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>501 </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=\"n2749159\"><span class=\"number\">7.5.13.1 </span><span class=\"title-text\">Insurance contracts - Non-life </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year GMM and PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:11%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/></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-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-6 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-7 endCol-7 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>Total </b></th></tr>\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 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-6 valign-middle 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:middle;border-bottom:1px solid;\"><b>Contracts measured under PAA </b></th><th class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 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 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>Excluding loss component </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>Loss component </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>Contracts measured under GMM </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non financial risk </b></th><th class=\"startCol-7 endCol-7 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></tr></thead><tbody>\n<tr><td 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 2024 </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>467 </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>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 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>1,975 </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>68 </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>7,205 </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><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 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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under GMM, 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;\">-2,047 </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 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;\">-2,047 </td></tr>\n<tr><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;\">-1,100 </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 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;\">-1,100 </td></tr>\n<tr><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 modified 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;\">-465 </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 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;\">-465 </td></tr>\n<tr><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;\">-483 </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 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;\">-483 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,567 </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-bottom align-right border-bottom-1 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-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-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;\">-3,567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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><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 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><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 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;\">-28 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,569 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,655 </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;\">20 </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;\">4,215 </td></tr>\n<tr><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 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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </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;\">-65 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-22 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right 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-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 format-highlight 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;\">22 </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 format-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 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">22 </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>-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>1,617 </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>2,590 </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>-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>4,198 </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><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 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;\">298 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">738 </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;\">1,036 </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;\">24 </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 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;\">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>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>24 </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>298 </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>738 </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>1,061 </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><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 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>24 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,915 </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>3,328 </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>-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>5,258 </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><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 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>-5,590 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,915 </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>3,328 </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>-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>-356 </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><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=\" cBoderType2\"><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 result 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;\">53 </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\" style=\"text-align:right;vertical-align:bottom;\">143 </td><td class=\"startCol-5 endCol-5 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-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;\">3 </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;\">272 </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>-5,537 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,058 </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>3,400 </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>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>-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-left-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><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 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><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 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;\">5,579 </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 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;\">5,579 </td></tr>\n<tr><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;\">-527 </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;\">-1,504 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,866 </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;\">-4,897 </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;\">-30 </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 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 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>5,021 </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>-1,504 </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>-2,866 </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>651 </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><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 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;\">-78 </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;\">75 </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;\">3 </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 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;\">526 </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;\">-526 </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 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><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>At 31 December 2024 </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>400 </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>23 </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>5,220 </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>2,059 </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>71 </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>7,772 </b></td></tr></tbody></table> <br/>\n<p>Other relates to the transfer of the Aegon P&amp;C acquired claims portfolio from GMM to PAA, so that the complete P&amp;C portfolio would fall under the PAA model. This could be done due to the very limited CSM that was remaining on this portfolio at the moment of the transfer (\u20ac\u00a01 million early release to the insurance contract revenue). </p>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year GMM and PAA </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:0%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/><col style=\"width:11%;\"/><col style=\"width:10.5%;\"/><col style=\"width:10.5%;\"/></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-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-6 valign-bottom align-center border-bottom-1 border-left-1 border-right-1 colspan-3 headrow\" colspan=\"3\" scope=\"col\" style=\"text-align:center;vertical-align:bottom;border-bottom:1px solid;\"><b>Liabilities for incurred claims </b></th><th class=\"startCol-7 endCol-7 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>Total </b></th></tr>\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 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-3 endCol-3 valign-top border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 headrow\" scope=\"col\" style=\"text-align:left;vertical-align:top;\">\u00a0</th><th class=\"startCol-5 endCol-6 valign-middle 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:middle;border-bottom:1px solid;\"><b>Contracts measured under PAA </b></th><th class=\"startCol-7 endCol-7 valign-top border-left-1 border-right-1 border-top-1 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 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>Excluding loss component </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>Loss component </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>Contracts measured under GMM </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non financial risk </b></th><th class=\"startCol-7 endCol-7 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></tr></thead><tbody>\n<tr><td 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\" style=\"text-align:right;vertical-align:bottom;\"><b>-243 </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>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>1,682 </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>55 </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>5,713 </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><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 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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under GMM, 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;\">-1,686 </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 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;\">-1,686 </td></tr>\n<tr><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;\">-839 </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 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;\">-839 </td></tr>\n<tr><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 modified 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;\">-306 </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 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;\">-306 </td></tr>\n<tr><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;\">-541 </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 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;\">-541 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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><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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Insurance contract revenue from contracts measured under PAA </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,693 </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 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;\">-3,693 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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><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 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><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 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;\">-31 </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;\">1,392 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,844 </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;\">21 </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;\">4,226 </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;\">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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-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;\">29 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">10 </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 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;\">31 </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-bottom align-right border-bottom-1 border-left-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 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\" style=\"text-align:right;vertical-align:bottom;\">31 </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 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>1,383 </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>2,873 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>4,267 </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><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 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;\">264 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">682 </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;\">946 </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;\">24 </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 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;\">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>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>24 </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>264 </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>682 </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>970 </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><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 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>24 </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>1,648 </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>3,555 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,237 </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><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 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>-5,355 </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>1,648 </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>3,555 </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-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>-142 </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><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=\" cBoderType2\"><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 result 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;\">22 </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;\">173 </td><td class=\"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><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-top-1\" style=\"text-align:right;vertical-align:bottom;\">253 </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>-5,332 </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>1,821 </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>3,610 </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>13 </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>111 </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><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 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><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 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;\">5,101 </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 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;\">5,101 </td></tr>\n<tr><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\" 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 zero-dash\" style=\"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;\">-1,346 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,841 </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;\">-4,674 </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;\">-32 </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 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;\">-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>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>4,581 </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>-1,346 </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>-2,841 </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>395 </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><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 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\" style=\"text-align:right;vertical-align:bottom;\">985 </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><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-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;\">986 </td></tr>\n<tr><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 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;\">476 </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;\">-476 </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 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><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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>467 </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>4,666 </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>1,975 </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>68 </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>7,205 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts measured under GMM, 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 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-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 fair value approach </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 align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>At 1 January 2024 </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-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-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </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>5,401 </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-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;\">-61 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">93 </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\" style=\"text-align:right;vertical-align:bottom;\">22 </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;\">-9 </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 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;\">-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;\">- 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;\">-109 </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\" style=\"text-align:right;vertical-align:bottom;\">101 </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;\">101 </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;\">23 </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;\">-148 </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;\">-137 </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;\">-11 </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;\">-148 </td></tr>\n<tr><td class=\"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;\">-23 </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;\">-23 </td></tr>\n<tr><td class=\"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;\">-28 </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 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;\">-9 </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 relate 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;\">54 </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;\">-6 </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 format-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 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">48 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-153 </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>-14 </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>46 </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>35 </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>11 </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>-121 </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 result 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;\">177 </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;\">10 </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;\">11 </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 </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;\">197 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>24 </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>-4 </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>57 </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>46 </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>11 </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>76 </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;\">1,915 </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;\">1,915 </td></tr>\n<tr><td class=\"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;\">-1,504 </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;\">-1,504 </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;\">-30 </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;\">-30 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>381 </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>381 </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;\">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;\">-75 </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 </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;\">-78 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>5,271 </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>217 </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>293 </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>201 </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>92 </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>5,781 </b></td></tr></tbody></table> <br/>\n<p>Other relates to the transfer of the Aegon P&amp;C acquired claims portfolio from GMM to PAA, so that the complete P&amp;C portfolio would fall under the PAA model. This could be done due to the very limited CSM that was remaining on this portfolio at the moment of the transfer (\u20ac\u00a01 million early release to the insurance contract revenue). </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h3 class=\"table-title\">Changes in insurance contracts measured under GMM, 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 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-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 fair value approach </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 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>66 </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>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\" 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-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\" 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 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-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-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\" 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 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;\">-65 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">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;\">28 </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;\">25 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">96 </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 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\" 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-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\" 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 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-top-1 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;\">-70 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-57 </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;\">-13 </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;\">-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 zero-dash\" 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;\">-33 </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 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;\">-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\" 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\" 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 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;\">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\" 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-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 relate 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;\">3 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">-11 </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 border-right-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\" 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\" 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-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>-90 </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>15 </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>67 </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>52 </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>15 </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>-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\" 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-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 result 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;\">187 </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-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;\">-0 </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;\">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\" 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-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>96 </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>19 </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>71 </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>56 </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>15 </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>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-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-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\" 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 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;\">1,658 </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-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;\">1,658 </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\" 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 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-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;\">-1,346 </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\" 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 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-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;\">-32 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>280 </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-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>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\" 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-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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">96 </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;\">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\" 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-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>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\" 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\" 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\" 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>81 </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>5,401 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749180\"><span class=\"number\">7.5.13.2 </span><span class=\"title-text\">Insurance contracts - Life </span></h1>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims current year GMM </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 2024 </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>55,585 </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>258 </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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-2,906 </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;\">-2,906 </td></tr>\n<tr><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;\">-1,972 </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;\">-1,972 </td></tr>\n<tr><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;\">-934 </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;\">-934 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-15 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,443 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,428 </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;\">-9 </td><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;\">-9 </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>-25 </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>2,443 </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>2,419 </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;\">128 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">128 </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>128 </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>130 </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>-25 </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>2,571 </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>2,549 </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;\">-720 </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;\">720 </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>-3,624 </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>-25 </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>3,292 </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>-357 </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 result 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;\">2,412 </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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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;\">2,414 </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>-1,212 </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>-23 </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>3,292 </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>2,057 </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;\">1,670 </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;\">1,670 </td></tr>\n<tr><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 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;\">-3,330 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-3,330 </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;\">-17 </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;\">-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>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>1,653 </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>-3,330 </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-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>56,025 </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>198 </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>220 </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>56,443 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in insurance contracts by remaining coverage and incurred claims prior year GMM </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\" 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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-2,113 </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;\">-2,113 </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\" 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 zero-dash\" style=\"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;\">-1,148 </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\" 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 zero-dash\" style=\"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;\">-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\" 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;\">-32 </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;\">1,744 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,712 </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 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;\">41 </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;\">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>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>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\" 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\" 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\" 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;\">132 </td><td class=\"startCol-5 endCol-5 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 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>132 </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>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\" 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>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\" 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\" 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\" 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;\">-619 </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;\">619 </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>-2,730 </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-right-1 border-top-1\" 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\" 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\" 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 result 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;\">2,415 </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-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;\">2,416 </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\" 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\" 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\" 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\" 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\" 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;\">927 </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;\">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\" 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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-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\" 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 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>-2,501 </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>-1,581 </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\" 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;\">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\" 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 zero-dash\" style=\"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><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">29,553 </td></tr>\n<tr><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;\">-122 </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;\">122 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>55,585 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>258 </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>56,063 </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 2024 </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>\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;\">-455 </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;\">-65 </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;\">520 </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;\">188 </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;\">332 </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;\">4 </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;\">-24 </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;\">-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;\">- 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;\">-49 </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;\">28 </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;\">31 </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-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;\">10 </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;\">-211 </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;\">-171 </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;\">-40 </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;\">-211 </td></tr>\n<tr><td class=\"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;\">-151 </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;\">-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;\">- 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;\">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-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;\">14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-486 </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>-211 </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>340 </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>49 </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>292 </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>-357 </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 result 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;\">2,177 </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;\">123 </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;\">114 </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;\">114 </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;\">2,414 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>1,690 </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>-88 </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>454 </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>162 </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>292 </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>2,057 </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;\">1,670 </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;\">1,670 </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;\">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;\">-3,330 </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;\">-3,330 </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;\">-17 </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;\">-17 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-1,677 </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>-1,677 </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-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>At 31 December 2024 </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>50,327 </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>1,994 </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>4,122 </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>3,284 </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>838 </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>56,443 </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 2023 </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>\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;\">-194 </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;\">168 </td><td class=\"startCol-4 endCol-4 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-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-right-1 border-top-1\" 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 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;\">38 </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-top-1 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;\">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\" 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\" 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\" 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\" 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 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;\">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\" 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;\">-145 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">-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 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;\">-103 </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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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>-266 </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>84 </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>-44 </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>-40 </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>-3 </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>-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\" 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 result 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;\">2,391 </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;\">-45 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-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-top-1\" 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 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;\">2,416 </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\" 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>2,125 </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>39 </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>27 </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>30 </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>-3 </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>2,190 </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\" 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;\">927 </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;\">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\" 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 zero-dash\" style=\"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;\">-2,505 </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\" 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 zero-dash\" style=\"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;\">-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\" 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 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>-1,581 </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\" 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;\">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\" 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\" 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\" 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\" 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 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;\">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\" 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>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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>56,063 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749138\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Reinsurance contracts - Non-life and Life </span></h1>\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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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>2024 </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>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>298 </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>200 </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>501 </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;\">-678 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-678 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">559 </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;\">559 </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-right-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-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;\">29 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-678 </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>589 </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>-90 </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 result 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;\">19 </td><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;\">7 </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;\">26 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-659 </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>596 </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>-64 </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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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></tr>\n<tr><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;\">655 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">655 </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;\">Reinsurance recoveries 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;\">-607 </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;\">-607 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>655 </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>-607 </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>48 </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-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-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-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 zero-dash\" style=\"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-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>278 </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>204 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>485 </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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>131 </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>248 </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>381 </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;\">-392 </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;\">-392 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">330 </td><td class=\"startCol-5 endCol-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;\">331 </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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </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;\">34 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-392 </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>364 </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>-27 </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 result 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;\">-14 </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;\">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=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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>-406 </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>371 </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>-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\" 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-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;\">388 </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;\">388 </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;\">Reinsurance recoveries 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;\">-419 </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;\">-419 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>388 </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>-419 </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>-31 </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-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\" 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-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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>298 </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>200 </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>3 </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>501 </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-center border-bottom-1 border-top-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 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>2024 </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>-139 </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>485 </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>75 </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>70 </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><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>420 </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;\">-37 </td><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 </td><td class=\"startCol-4 endCol-4 valign-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-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;\">29 </td><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 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 zero-dash\" style=\"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 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;\">-19 </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;\">-19 </td><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;\">-0 </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><td class=\"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;\">-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-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;\">-41 </td></tr>\n<tr><td class=\"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;\">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;\">0 </td><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;\">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-left-1 border-right-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>17 </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>-0 </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>17 </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>-16 </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>-39 </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>15 </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>10 </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><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>-40 </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 result 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;\">-6 </td><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;\">25 </td><td class=\"startCol-4 endCol-4 valign-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 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 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;\">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-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-22 </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>-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 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-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-right-1 border-top-1 format-highlight\" 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </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;\">539 </td><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;\">539 </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;\">Reinsurance recoveries 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;\">-528 </td><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;\">-528 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>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 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>11 </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;\">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;\">-13 </td><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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>470 </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>93 </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>83 </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>10 </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>400 </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-center border-bottom-1 border-top-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 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>309 </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 </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>-0 </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>2 </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>319 </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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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;\">-0 </td></tr>\n<tr><td class=\"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;\">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-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;\">-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\" 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;\">- 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;\">-12 </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;\">-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-right-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-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;\">-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-left-1 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>-8 </b></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;\"><b>-1 </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>-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-36 </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>43 </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>-34 </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>-38 </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>3 </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>-27 </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 result 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;\">-10 </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;\">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\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-46 </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>43 </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>-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\" style=\"text-align:right;vertical-align:bottom;\"><b>-36 </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>3 </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 </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;\">283 </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;\">283 </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;\">Reinsurance recoveries received </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;\">-333 </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;\">-333 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-50 </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>-50 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">-352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">433 </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;\">105 </td><td class=\"startCol-5 endCol-5 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-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;\">186 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-139 </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>485 </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>75 </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>70 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>420 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749200\"><span class=\"number\">7.5.13.4 </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<p>The following are key assumption and methodologies used in the valuation of the insurance liabilities and are discussed in more detail further in this chapter: </p><ul><li>\n<p>actuarial assumptions: addressing mortality and longevity, lapse, cancellation and surrender assumptions and for expenses; </p></li><li>\n<p>risk adjustment; </p></li><li>\n<p>discount rate; and </p></li><li>\n<p>coverage units </p></li></ul>\n<div class=\"header header-2\">7.5.13.4.1 Changes in estimates </div>\n<p>Assumptions are reviewed periodically, based on historical experience, observable market data, including market transactions such as acquisitions and reinsurance transactions, anticipated trends and legislative changes. Similarly, the models and systems used for determining our insurance liabilities are reviewed periodically and, if deemed necessary, updated based on emerging best practices and available technology. </p>\n<p>During 2024, a.s.r. continued with the harmonisation of assumptions and methods between Aegon NL and a.s.r., which is expected to continue in the coming years. The main impacts of the harmonisation process and annual update of the non-economic assumptions are the impacts on the mortality, expense, inflation and disability and the update of the coverage units. </p>\n<div class=\"header header-4\">Mortality assumption </div>\n<p>For the mortality assumptions, next to the harmonisation of the mortality table principles, a.s.r. implemented several refinements to the mortality model and updated the model to the latest available data and experience factors. These updates resulted in a reduction of \u20ac\u00a0105 million on the insurance liabilities fulfilment cashflows, increasing the CSM. As part of the harmonisation of assumptions and methods between Aegon NL and a.s.r.,\u00a0a new mortality table was developed, based on the Aegon mortality table principles, with updated data as from 2024, which resulted in a reduction of \u20ac\u00a071 million on the insurance liabilities, increasing the CSM. Previously a.s.r. applied the Dutch Koninklijk Actuarieel Genootschap tables. The mortality assumption updates also had an impact on the loss component, leading to a net future services dotation with a negative P&amp;L impact of \u20ac\u00a013 million </p>\n<div class=\"header header-4\">Expense assumption </div>\n<p>The maintenance expense methodologies of a.s.r. and Aegon NL are aligned, and the parameters used for the maintenance expense reserve were updated. These updates consisted of numerous changes with partly offsetting impacts, which in aggregate resulted in a reduction of \u20ac\u00a0258 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The annual update of the investment expense assumptions resulted in an increase of \u20ac\u00a024 million on the insurance liabilities fulfilment cashflows from direct participating insurance contracts, decreasing the CSM of contracts measured under VFA (see <a href=\"#n2749290\" title=\"Liabilities arising from direct participating insurance contracts\">section 7.5.14)</a>. The assumption update also had an impact on the loss component, leading to a future services release to the P&amp;L of \u20ac\u00a0114 million. </p>\n<div class=\"header header-4\">Inflation assumption </div>\n<p>As part of the harmonisation process, a.s.r.\u2019s methodology for inflation is also implemented for the Aegon NL life portfolios, which resulted in a decrease of \u20ac\u00a051 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The annual update of the inflation assumption results in a partially offsetting increase of \u20ac\u00a019 million in fulfilment cashflows, decreasing the CSM. The impact on pre-tax income in 2024 of these updates is limited, as the impact relates almost entirely to future services.\u00a0</p>\n<div class=\"header header-4\">Disability </div>\n<p>For the Disability business, a.s.r. updated the non-economic assumptions, including updates for assumptions for disability percentage, incidence and recovery rates and mandated brokers, which resulted in a reduction of \u20ac\u00a062 million on the insurance liabilities fulfilment cashflows, increasing the CSM. The impact on pre-tax income in 2024 of these updates is \u20ac\u00a05 million, which concerns the impact on past services. The remainder of the impact relates to future services.\u00a0</p>\n<div class=\"header header-4\">Harmonisation on Coverage units </div>\n<p>a.s.r. and Aegon NL reassessed the defined coverage units in a consistent manner for similar products, and reassessment of identified coverage units for dissimilar products. Subsequently, all information was incorporated in the updated a.s.r. CSM-engine model, which resulted in a fractional lower release of the CSM through profit or loss in 2024 (\u20ac\u00a019 million) than would have been in the situation before the alignment and integration. </p>\n<div class=\"header header-2\">7.5.13.4.2 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 and a.s.r.\u2019s past experience and are generally developed based on a blend of company experience and industry wide studies, taking into consideration product characteristics, own risk selection criteria, the insured population, recent mortality trend assumptions.\u00a0</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\">7.5.13.4.3 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 2024 </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<p>The implied confidence levels at 31 December 2023 were equal to those implied at 31 December 2024. </p>\n<div class=\"header header-2\">7.5.13.4.4 Discount </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 3.25 % in 2024 (2023: 3.40%) for the construction of the curve from the first smoothing point (FSP). The impact of the decrease in UFR is \u20ac\u00a0131 million on the value of the insurance contract liabilities and \u20ac\u00a027 million on the liabilities arising from direct participating insurance contracts. </p>\n<p>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 <a href=\"#n2749290\" title=\"Liabilities arising from direct participating insurance contracts\">section 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;\">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>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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 2024 </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;\">2.64% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.54% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.67% </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.66% </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.63% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.72% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2.81% </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-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;\">3.23% </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.13% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.26% </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;\">3.12% </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.11% </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.13% </td></tr></tbody></table> <br/>\n<div class=\"header header-2\">7.5.13.4.5 Coverage units </div>\n<p>Coverage units are determined based on the expected insurance contract services. The insurance contract services are determined considering the (weighted) quantity of the benefits provided from insurance and investment (return/related) services. If a contract provides coverage for more than one insured event or if it provides additional investment (return/related) services, the coverage unit reflects all material benefits. </p>\n<p>a.s.r. has defined coverage units that differ per product type to best reflect a product\u2019s characteristics and the nature of the services provided to the policyholder. Insurance services are typically depicted by a metric that is based on the maximum amount that a policyholder would receive if the insured event were to occur, such as the total benefits amount or the death benefit amount. For investment-type services, coverage units are based on the total service that a.s.r. expects to provide the policyholder over the lifetime of the contract, which is best represented by the coverage unit 'total premium'. </p>\n<h3 class=\"table-title\">Coverage units </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:50%;\"/><col style=\"width:50%;\"/></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;\">Product type </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>Coverage unit driver </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>Pensions </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Benefit (DB) </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;\">Attainable pension </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Contribution (DC) - open book </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;\">Attainable pension </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Defined Contribution (DC) - closed book </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;\">Total premium </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;\">Pensions - Term insurance </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;\">Sum assured including indexation </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>Individual Life </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Unit Linked </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;\">Total premium </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Term Insurance </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;\">Sum assured (including indexation) </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Saving Mortgage </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;\">Sum assured (including indexation) </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Annuity </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;\">Annuity payable </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;\">Traditional Saving / Endowment </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;\">Sum assured (including indexation) </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>Funeral </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Funeral </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">Sum assured including indexation </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749231\"><span class=\"number\">7.5.13.5 </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;\">2024 </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;\">598 </td><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;\">817 </td><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;\">1,415 </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;\">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;\">9 </td><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;\">30 </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>620 </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>826 </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>1,446 </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;\">-744 </td><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;\">-811 </td><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;\">-1,555 </td></tr>\n<tr><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;\">23 </td><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;\">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 zero-dash\" style=\"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;\">31 </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;\">101 </td><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;\">101 </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>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>23 </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>23 </b></td></tr></tbody></table> <br/>\n<p>Onerous Non-life contracts issued consist for about two thirds of Sickness Leave yearly prolongations at a combined ratio slightly above 100% due to an increased claims ratio, whereby cost synergies were not yet taken into account. The remainder consist of a part of the Group Disability production which was priced slightly above 100% for commercial reasons, which is more than offset by profitable other Group Disability products in the same portfolio. </p>\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;\">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>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;\">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 zero-dash\" style=\"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;\">1,333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,433 </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\" 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 zero-dash\" style=\"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\" 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\" 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 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>1,333 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-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;\">-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 zero-dash\" style=\"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;\">-1,475 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,724 </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\" 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\" 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\" 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\" 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 zero-dash\" style=\"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;\">96 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">192 </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>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 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-top-1 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: Life insurance contracts current year </h3>\n<table class=\"iTableCoreData standard\" style=\"\"><colgroup><col style=\"width:51%;\"/><col style=\"width:13%;\"/><col style=\"width:12%;\"/><col style=\"width:11%;\"/><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;\">2024 </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;\">141 </td><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;\">474 </td><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;\">615 </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;\">15 </td><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;\">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>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>143 </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>489 </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>632 </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;\">-186 </td><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;\">-495 </td><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;\">-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;\">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;\">12 </td><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;\">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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">28 </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;\">31 </td><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;\">31 </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>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>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 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>10 </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;\">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>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;\">215 </td><td class=\"startCol-3 endCol-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-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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;\">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;\">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\" 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\" 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\" 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\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-5 valign-top border-bottom-1 border-left-1 border-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;\">-315 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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;\">5 </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;\">1,080 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,107 </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\" 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 zero-dash\" style=\"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;\">2,043 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,118 </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>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>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 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>11 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Contracts issued and acquired: reinsurance contracts </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-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>2024 </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>2023 </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 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;\">193 </td></tr>\n<tr><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 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;\">-731 </td></tr>\n<tr><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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\">- </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">434 </td></tr>\n<tr><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 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\" style=\"text-align:right;vertical-align:bottom;\">104 </td></tr></tbody></table> <br/>\n<p>In 2023, reinsurance contracts consist almost completely of contracts acquired of Aegon NL. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749254\"><span class=\"number\">7.5.13.6 </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:29%;\"/><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:8%;\"/></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 2024 </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;\">44 </td><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;\">31 </td><td class=\"startCol-4 endCol-4 valign-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-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;\">19 </td><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;\">19 </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;\">94 </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;\">68 </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;\">293 </td></tr>\n<tr><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;\">186 </td><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;\">186 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">176 </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;\">170 </td><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;\">163 </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;\">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;\">2,504 </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;\">4,122 </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;\">-9 </td><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-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 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;\">-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\" style=\"text-align:right;vertical-align:bottom;\">-19 </td></tr>\n<tr><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;\">-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;\">-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;\">-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\" 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;\">-2 </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;\">-13 </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;\">-50 </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;\">-74 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>219 </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>206 </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>187 </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>187 </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>181 </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>819 </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>2,522 </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>4,322 </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 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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;\">51 </td><td class=\"startCol-3 endCol-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><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;\">16 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-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-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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-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\" 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\" 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;\">-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\" 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\" 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;\">-3 </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 </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;\">-15 </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;\">-28 </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;\">-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>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\" 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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,829 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749272\"><span class=\"number\">7.5.13.7 </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 2024. </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 2024 </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;\">2015 </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;\">2016 </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;\">2017 </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;\">2018 </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;\">2019 </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;\">2020 </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;\">2021 </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;\">2022 </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;\">2023 </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;\">2024 </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;\">2,027 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,469 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,366 </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;\">4,391 </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;\">2,017 </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;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,262 </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;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,312 </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;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,367 </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;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,464 </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;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,621 </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;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,091 </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;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,509 </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;\">2024 </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;\">2,044 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,279 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,339 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,500 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,518 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,684 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,210 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,529 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">4,391 </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 2024 </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>2,044 </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>2,279 </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>2,339 </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>2,500 </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>2,518 </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>2,684 </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>3,210 </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>3,529 </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>4,391 </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>4,391 </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;\">1,859 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,060 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,113 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,084 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,108 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,417 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,548 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,151 </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;\">2,013 </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 2015 to 2024 </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>185 </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>228 </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>279 </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>387 </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>435 </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>575 </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>793 </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>981 </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>1,240 </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>2,379 </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>7,482 </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 2015 </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;\">1,048 </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;\">-1,365 </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;\">153 </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;\">32 </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\"><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>7,350 </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 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;\">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-right-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-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;\">1,975 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,027 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,216 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,237 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,418 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,614 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,206 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" 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\" 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\" style=\"text-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;\">1,953 </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;\">2016 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,959 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,017 </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;\">2017 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,951 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,051 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,262 </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;\">2018 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,945 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,062 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,310 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,312 </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;\">2019 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,936 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,052 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,375 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,367 </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;\">2020 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,911 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,047 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,314 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,382 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,445 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,464 </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;\">2021 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,893 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,009 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,251 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,338 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,449 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,510 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,621 </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;\">2022 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,894 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,033 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,274 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,483 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,514 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">2,630 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">3,091 </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;\">2023 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1\" style=\"text-align:right;vertical-align:bottom;\">1,895 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,265 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,335 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,499 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,554 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,682 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,168 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">3,509 </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 2023 </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>1,895 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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;\">1,736 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,825 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,011 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,015 </td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,055 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,010 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,020 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">2,295 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>159 </b></td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>205 </b></td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>254 </b></td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>319 </b></td><td class=\"startCol-6 endCol-6 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>443 </b></td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>545 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>662 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>873 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-top-1\" 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\" 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\" 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\" 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;\">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\" 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;\">-1,289 </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\" 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;\">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\" 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;\">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\" 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\"><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>6,710 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2749290\"><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=\"#n2746199\" title=\"F1. Insurance contracts\">F1</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749363\"><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 VFA </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 2024 </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>35,790 </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>228 </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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-1,081 </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;\">-1,081 </td></tr>\n<tr><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;\">-994 </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;\">-994 </td></tr>\n<tr><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;\">-87 </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;\">-87 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-12 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">779 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">767 </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;\">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;\">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>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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>779 </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>772 </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;\">155 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">155 </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>155 </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>159 </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>-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>934 </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>932 </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;\">-1,263 </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;\">1,263 </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>-2,340 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,197 </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>-149 </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 result 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;\">3,072 </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;\">3,071 </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>732 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,197 </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>2,922 </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;\">1,557 </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;\">1,557 </td></tr>\n<tr><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 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;\">-2,203 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,203 </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;\">-12 </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;\">-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 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>1,545 </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>-2,203 </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>-658 </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 </td><td class=\"startCol-2 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-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;\">20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>38,087 </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>68 </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>222 </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>38,377 </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 VFA </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\" 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>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 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;\">-603 </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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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 zero-dash\" style=\"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;\">-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\" 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;\">-5 </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;\">402 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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;\">-16 </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;\">-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 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>-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\" 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\" 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\" 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;\">124 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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>4 </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>124 </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>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\" 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>4 </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>-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\" 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\" 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\" 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;\">-838 </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;\">838 </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>-1,437 </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>-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\" 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\" 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\" 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 result 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;\">2,542 </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;\">-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-top-1\" 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\" 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\" 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\" 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\" 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\" 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;\">1,283 </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;\">1,283 </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\" 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;\">-1,367 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,368 </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\" 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>1,278 </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>-1,367 </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>-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\" 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;\">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\" 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 zero-dash\" style=\"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;\">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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">128 </td><td class=\"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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>35,790 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>228 </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>36,093 </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 VFA </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 2024 </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>\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;\">-139 </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;\">51 </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;\">88 </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;\">63 </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;\">25 </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;\">18 </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;\">-29 </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;\">-10 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">16 </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;\">-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;\">-72 </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;\">-30 </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><td class=\"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;\">-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-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;\">-40 </td></tr>\n<tr><td class=\"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;\">-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-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;\">-14 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>-122 </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>-14 </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>-13 </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>-8 </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>-5 </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>-149 </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 result 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;\">3,060 </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;\">9 </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\" 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,071 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>2,938 </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>-12 </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 </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>-8 </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>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>2,922 </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;\">1,557 </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;\">1,557 </td></tr>\n<tr><td class=\"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;\">-2,203 </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;\">-2,203 </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;\">-12 </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;\">-12 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-658 </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>-658 </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;\">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;\">20 </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;\">20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>At 31 December 2024 </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>36,587 </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>530 </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>1,260 </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>1,063 </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>197 </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>38,377 </b></td></tr></tbody></table> <br/>\n<p>For more information on changes in estimates, see section <a href=\"#n2749200\" title=\"Assumptions used\">7.5.13.4</a>. </p>\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 (VFA) </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\" 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-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\" 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\" 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\" 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;\">-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;\">30 </td><td class=\"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;\">-32 </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;\">27 </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 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;\">-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;\">-11 </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;\">-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\" 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\" 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 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;\">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\" 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;\">-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;\">-32 </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;\">-33 </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;\">-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 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;\">-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-top-1\" 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\" 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-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;\">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\" 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>-29 </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\" 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\" 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\" 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\" 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\" 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 result 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;\">2,498 </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;\">36 </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;\">37 </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;\">2,536 </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\" 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>2,469 </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>7 </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>-35 </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>-65 </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>30 </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>2,442 </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\" 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;\">1,283 </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;\">1,283 </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\" 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 zero-dash\" style=\"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;\">-1,368 </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\" 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-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;\">-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>-89 </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>-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\" 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;\">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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">1,137 </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;\">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\" 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 zero-dash\" style=\"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;\">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\" 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>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\" 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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>36,093 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2024, the liabilities included a guarantee provision for a carrying amount of \u20ac\u00a058 million (2023: \u20ac\u00a063 million) and a provision related to unit-linked insurance contracts of \u20ac\u00a036 million (2023: \u20ac\u00a037 million). These provisions relate to compensation for the costs of these contracts. </p>\n<p>An amount of \u20ac\u00a0417 million (2023: \u20ac\u00a0229 million) of the liabilities arising from direct participating insurance contracts is related to the a.s.r. pension DC plans. </p>\n<p>For more information on the assumptions used and changes in estimates, see <a href=\"#n2749200\" title=\"Assumptions used\">section 7.5.13.4</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749309\"><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;\">2024 </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\" 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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25 </td><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;\">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;\">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;\">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\" 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;\">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>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>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>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 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>76 </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;\">-47 </td><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;\">-17 </td><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;\">-64 </td></tr>\n<tr><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 zero-dash\" style=\"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 </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 zero-dash\" style=\"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></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>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>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 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>16 </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;\">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 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;\">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\" 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 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\" 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 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;\">69 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">21,693 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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;\">-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;\">-55 </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;\">-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\" 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 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\" 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\" 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 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;\">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\" style=\"text-align:right;vertical-align:bottom;\">1,137 </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>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>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 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>18 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749327\"><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:29%;\"/><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:8%;\"/></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>2024 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>94 </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>88 </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>82 </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>76 </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>71 </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>280 </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>570 </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>1,260 </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;\">2023 </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;\">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;\">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;\">85 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">79 </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;\">73 </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;\">278 </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;\">562 </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;\">1,264 </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749345\"><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 (2023: \u20ac\u00a011 million) mainly concern acquisition cash flows relating to insurance contracts, specifically Werknemerspensioen, not yet recognised. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-653": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749138\"><span class=\"number\">7.5.13.3 </span><span class=\"title-text\">Reinsurance contracts - Non-life and Life </span></h1>\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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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>2024 </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>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>298 </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>200 </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>501 </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;\">-678 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-678 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">559 </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;\">559 </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-right-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-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;\">29 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-678 </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>589 </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>-90 </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 result 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;\">19 </td><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;\">7 </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;\">26 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-659 </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>596 </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>-64 </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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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></tr>\n<tr><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;\">655 </td><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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">655 </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;\">Reinsurance recoveries 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;\">-607 </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;\">-607 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>655 </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>-607 </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>48 </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-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-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-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 zero-dash\" style=\"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-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>278 </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>204 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>485 </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 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-3 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for remaining coverage </b></th><th class=\"startCol-4 endCol-5 valign-middle align-center border-bottom-1 colspan-2 headrow headrow-last\" colspan=\"2\" scope=\"col\" style=\"text-align:center;vertical-align:middle;\"><b>Assets for incurred claims </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </b></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>Excluding loss recovery component </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>Loss recovery component </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>Estimates of the present value of the future cash flows </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>Risk adjustment for non-financial risk </b></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 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>131 </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>248 </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>381 </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;\">-392 </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;\">-392 </td></tr>\n<tr><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 zero-dash\" style=\"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;\">330 </td><td class=\"startCol-5 endCol-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;\">331 </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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </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;\">34 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-392 </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>364 </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>-27 </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 result 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;\">-14 </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;\">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=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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>-406 </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>371 </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>-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\" 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-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;\">388 </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;\">388 </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;\">Reinsurance recoveries 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;\">-419 </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;\">-419 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>388 </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>-419 </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>-31 </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-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\" 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-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;\">185 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>298 </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>200 </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>3 </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>501 </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-center border-bottom-1 border-top-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 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>2024 </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>-139 </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>485 </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>75 </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>70 </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><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>420 </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;\">-37 </td><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 </td><td class=\"startCol-4 endCol-4 valign-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-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;\">29 </td><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 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 zero-dash\" style=\"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 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;\">-19 </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;\">-19 </td><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;\">-0 </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><td class=\"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;\">-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-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;\">-41 </td></tr>\n<tr><td class=\"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;\">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;\">0 </td><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;\">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-left-1 border-right-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>17 </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>-0 </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>17 </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>-16 </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>-39 </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>15 </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>10 </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><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>-40 </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 result 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;\">-6 </td><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;\">25 </td><td class=\"startCol-4 endCol-4 valign-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 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 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;\">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-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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>-22 </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>-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 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-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-right-1 border-top-1 format-highlight\" 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-18 </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;\">539 </td><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;\">539 </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;\">Reinsurance recoveries 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;\">-528 </td><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;\">-528 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>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 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>11 </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;\">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;\">-13 </td><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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>470 </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>93 </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>83 </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>10 </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>400 </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-center border-bottom-1 border-top-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 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>309 </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 </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>-0 </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>2 </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>319 </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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">-32 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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;\">-0 </td></tr>\n<tr><td class=\"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;\">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-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;\">-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\" 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;\">- 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;\">-12 </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;\">-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-right-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-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;\">-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-left-1 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>-8 </b></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;\"><b>-1 </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>-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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-36 </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>43 </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>-34 </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>-38 </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>3 </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>-27 </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 result 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;\">-10 </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;\">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\" 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\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-5 endCol-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>-46 </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>43 </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>-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\" style=\"text-align:right;vertical-align:bottom;\"><b>-36 </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>3 </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 </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;\">283 </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;\">283 </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;\">Reinsurance recoveries received </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;\">-333 </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;\">-333 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-50 </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>-50 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">-352 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">433 </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;\">105 </td><td class=\"startCol-5 endCol-5 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-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;\">186 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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>-139 </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>485 </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>75 </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>70 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>420 </b></td></tr></tbody></table> <br/>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReinsuranceExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-656": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749345\"><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 (2023: \u20ac\u00a011 million) mainly concern acquisition cash flows relating to insurance contracts, specifically Werknemerspensioen, not yet recognised. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredAcquisitionCostsArisingFromInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-657": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2749383\"><span class=\"number\">7.5.15 </span><span class=\"title-text\">Employee benefits </span></h1>\n<p>See accounting policy <a href=\"#n2746239\" 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;\"><b>31 December 2024 </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 2023 </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;\">4,974 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,160 </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;\">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;\">39 </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>5,010 </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>5,199 </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;\">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;\">19 </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\"><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>5,037 </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>5,218 </b></td></tr></tbody></table> <br/>\n<p>The employee benefits decreased by \u20ac\u00a0181 million to \u20ac\u00a05,037\u00a0million (2023: \u20ac\u00a05,218\u00a0million) primarily due to the increase in the discount rate from 3.42% in 2023 to 3.51% in 2024. The remeasurements resulted in an increase of \u20ac\u00a0112\u00a0million in equity in the actuarial gains and losses. </p>\n<p>An amount of \u20ac\u00a04,839 million (2023: \u20ac\u00a05,018 million) of the employee benefits is expected to be settled more than twelve months after the balance sheet date. </p>\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>2024 </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>2023 </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;\">-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;\">-198 </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\" 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>-239 </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>-197 </b></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\"><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>-239 </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>-197 </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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749404\"><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 section. </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 DB 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. a.s.r. life is also the insurer of the current pension DC plans. </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 2024 amounts to \u20ac\u00a083 million (2023 \u20ac\u00a060 million). </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\u00a07 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. </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 in force. </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 DC plans and DB plans. </p>\n<p>The contribution payable to a DC 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; from that date, the employees of Aegon NL are included in the DC plan of a.s.r. </p>\n<p>The DB obligation is based on the terms and conditions of the plan applicable on the balance sheet date. In measuring the DB 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 in force. </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 2024 amounts to \u20ac\u00a019 million (2023: \u20ac\u00a013 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>2024 </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>2023 </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>5,160 </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>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>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 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-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;\">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;\">142 </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 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;\">-7 </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;\">-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 </b></td><td class=\"startCol-2 endCol-2 valign-bottom 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-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>134 </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;\">-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;\">155 </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;\">-40 </td><td class=\"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-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;\">-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;\">11 </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>-151 </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>160 </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;\">-211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </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 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;\">2,340 </td></tr>\n<tr class=\" cBoderType2\"><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;\">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;\">-37 </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>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>4,974 </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>5,160 </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;\">4,974 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,160 </td></tr>\n<tr class=\" cBoderType2\"><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 class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Net defined benefit liability </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>4,974 </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>5,160 </b></td></tr></tbody></table> <br/>\n<div class=\"header header-2\">a.s.r. employees </div>\n<p>Employees account for 19% (2023: 20%) of the DB obligation, 55% (2023: 52%) of the DB obligation relates to former employees currently receiving pension benefits, 24% (2023: 25%) of the DB obligation relates to deferred pensioners and 2% (2023: 3%) of the DB obligation relates to other members. </p>\n<p>The discount rate was 3.51 % at 31 December 2024 (31 December 2023: 3.42%), resulting in a \u20ac\u00a028 million decrease (2023: \u20ac\u00a081 million increase) in the DB obligation. </p>\n<p>As per 31 December 2024 the duration of the DB obligation was 13 years (2023: 14 years). </p>\n<p>The change in other assumptions amounts is \u20ac\u00a0- 20 million (2023: nil) primarily due to updated mortality rates of participants to the closed DB pension scheme. </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. (2024: \u20ac\u00a04 million; 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\u00a080 million (2023: \u20ac\u00a069 million) was netted of the DB obligation and included in OCI. </p>\n<p>Employees account for 0% (2023 0%) of the DB obligation, 55% (2023 54%) of the DB obligation relates to former employees currently receiving pension benefits, 43% (2023 44%) of the DB obligation relates to deferred pensioners and 2% (2023 2%) of the DB obligation relates to other members. </p>\n<p>The discount rate was 3.51 % at 31 December 2024 (31 December 2023: 3.42%) , resulting in a \u20ac\u00a022 million decrease (2023: \u20ac\u00a083 million increase) in the DB obligation. As per 31 December 2024 the duration of the DB obligation was 14 years (2023: 14 years). The change in other assumptions amounts to \u20ac\u00a0-20 million (2023 \u20ac\u00a0-6 million) primarily due to updated mortality rates of participants to the closed DB pension scheme. </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>2024 </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>2023 </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, 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\" style=\"text-align:right;vertical-align:bottom;\">47,989 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-10,580 </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;\">1.0% </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;\">-0.2% </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>2024 </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>2023 </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;\">3.5% </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;\">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;\">19.9 </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;\">20.1 </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;\">21.1 </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 \u2018a.s.r. 2024 prognosetafel\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 'a.s.r. 2024 prognosetafel' is used, in combination with a.s.r. specific experience factors for the pension portfolio; </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;\">-497 </td><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;\">622 </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;\">-131 </td><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;\">130 </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 (<a href=\"#n2747809\" title=\"Risk management\">section 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 <a href=\"#n2747946\" title=\"Market risk\">section 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 <span style=\"white-space:nowrap;\">\u20ac\u00a0348 million</span> (2023: \u20ac\u00a0330 million) for a.s.r. and \u20ac\u00a0548 million (2023: \u20ac\u00a0603 million) in relation to Aegon NL. The Aegon NL non-qualifying plan assets are ringfenced and amount to \u20ac\u00a02,366 million (2023: \u20ac\u00a02,374 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749448\"><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>2024 </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>2023 </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>39 </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>7 </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 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 </td><td class=\"startCol-2 endCol-2 valign-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>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 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 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;\">-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 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>-1 </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 </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;\">-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;\">-2 </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 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;\">32 </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\"><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>35 </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>39 </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>2024 </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>2023 </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;\">661 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-258 </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;\">1.9% </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;\">-0.7% </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>2024 </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>2023 </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;\">3.3% </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 \u2018a.s.r. 2024 prognosetafel\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 'a.s.r. 2024 prognosetafel' is used, in combination with a.s.r. specific experience factors for the pension portfolio. </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 (2023: \u20ac\u00a01 million increase) or \u20ac\u00a01 million decrease (2023: \u20ac\u00a01 million decrease) as a result of a movement of the discount rate by 1%. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749467\"><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>2024 </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>2023 </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>19 </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 </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;\">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;\">1 </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 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-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;\">5 </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\"><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>27 </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>19 </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 2024 </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 2023 </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;\">3.1% </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;\">3.2% </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;\">2.1% </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;\">2.5% </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;\">8.4 </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;\">8.3 </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;\">8.4 </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;\">8.7 </td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747691\"><span class=\"number\">7.7.6 </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=\"#n2747672\" title=\"Key management personnel remuneration\">section 7.7.5. </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=\"#n2749018\" title=\"Treasury shares\">section 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 268 thousand for an amount of \u20ac\u00a09 million (2023: 159 thousand for an amount of \u20ac\u00a05 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-658": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749490\"><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>2024 </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>2023 </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;\">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>\n<tr><td class=\"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;\">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;\">369 </td></tr>\n<tr><td class=\"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;\">-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;\">-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;\">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;\">-34 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><td class=\"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-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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">413 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">414 </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 the Employee Insurance Agency (<i>Uitvoeringsinstituut Werknemersverzekeringen</i> - UWV); </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\u00a0million. The agreement became final on 19 February 2025, as at least 90% of the affiliate customers agreed to the settlement. </p>\n<p>It has also been decided to set up a leniency scheme for customers who are not affiliate 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.\u00a0The 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 (2023: \u20ac\u00a0300\u00a0million) as a result of the settlement offer made in 2023. In addition, \u20ac\u00a036\u00a0million (2023: \u20ac\u00a037\u00a0million) is recognised in the insurance liabilities as remaining portion of the previous agreements. See <a href=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</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\u00a057 million (2023: \u20ac\u00a051 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 2025.\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\u00a0368 million (2023: \u20ac\u00a0381 million) of the provisions is expected to be settled within twelve months after the balance sheet date. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747711\"><span class=\"number\">7.7.7 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747747\"><span class=\"number\">7.7.7.1 </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=\"#n2749117\" title=\"Insurance contract liabilities and reinsurance contract assets\">section 7.5.13</a>) and legal provisions (see <a href=\"#n2749490\" title=\"Provisions\">section 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>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 defence 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=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747768\"><span class=\"number\">7.7.7.2 </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 feel they did not receive sufficient compensation based on the compensation arrangements. </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 / ConsumentenClaim </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<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 affiliate with a consumer protection organisation for distressing cases that are assessed on their merits. On 19 February 2025 it was announced that the agreement that was reached in November 2023 with the five customer protection groups is final. More than 90% of the affiliated customers have accepted a personal offer. All existing collective proceedings against a.s.r. will be withdrawn once the settlement has been fully executed. No new (collective) proceeding will be initiated by the organisations nor their individual representatives against a.s.r. See <a href=\"#n2749490\" title=\"Provisions\">section 7.5.16</a> for details. </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 law (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 in cassation. 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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747789\"><span class=\"number\">7.7.7.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>a.s.r. has entered into private loans agreements \u20ac\u00a0502 million (2023: \u20ac\u00a0492 million) and private equity agreements \u20ac\u00a0100 million (2023: \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0463 million (2023: \u20ac\u00a0337 million). </p>\n<p>a.s.r. has irrevocable facilities of \u20ac\u00a01,223 million (2023: \u20ac\u00a01,752 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\u00a074 million (2023: \u20ac\u00a018 million). </p>\n<p>Investment obligations for an amount of \u20ac\u00a0345 million (2023: \u20ac\u00a0467 million) have been assumed / issued for investment property. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2024 amounts to \u20ac\u00a017 million (2023: \u20ac\u00a087 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a03 million (2023: \u20ac\u00a015 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>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million (2023: \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>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. a.s.r. (after the business combination with Aegon NL) indemnifies and holds Aon Groep Nederland group (including UMG) harmless (until 2027) for and against any damage incurred resulting from Unit Linked Insurances claims prior to 1 January 2017 with respect to UMG\u2019s portfolio of Unit Linked Policies. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </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 advice of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2023: \u20ac\u00a013 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747729\"><span class=\"number\">7.7.7.4 </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<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-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 2024 </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 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;\">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;\">39 </td><td class=\"startCol-3 endCol-3 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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-top-1\" 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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>226 </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>224 </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:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-659": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749490\"><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>2024 </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>2023 </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;\">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>\n<tr><td class=\"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;\">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;\">369 </td></tr>\n<tr><td class=\"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;\">-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;\">-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;\">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;\">-34 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><td class=\"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-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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">413 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">414 </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 the Employee Insurance Agency (<i>Uitvoeringsinstituut Werknemersverzekeringen</i> - UWV); </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\u00a0million. The agreement became final on 19 February 2025, as at least 90% of the affiliate customers agreed to the settlement. </p>\n<p>It has also been decided to set up a leniency scheme for customers who are not affiliate 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.\u00a0The 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 (2023: \u20ac\u00a0300\u00a0million) as a result of the settlement offer made in 2023. In addition, \u20ac\u00a036\u00a0million (2023: \u20ac\u00a037\u00a0million) is recognised in the insurance liabilities as remaining portion of the previous agreements. See <a href=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</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\u00a057 million (2023: \u20ac\u00a051 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 2025.\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\u00a0368 million (2023: \u20ac\u00a0381 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-660": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749509\"><span class=\"number\">7.5.17 </span><span class=\"title-text\">Borrowings </span></h1>\n<p>See accounting policies <a href=\"#n2746502\" title=\"U. Financing\">U</a> and <a href=\"#n2746521\" title=\"V. Leasing\">V</a>. </p>\n<h3 class=\"table-title\">Borrowings </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-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 2024 </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 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;\">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;\">3,061 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,363 </td></tr>\n<tr><td class=\"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;\">74 </td><td class=\"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\"><td class=\"startCol-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>3,135 </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>5,451 </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 2024 </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 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;\">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;\">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;\">1,022 </td></tr>\n<tr><td class=\"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;\">846 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,481 </td></tr>\n<tr><td class=\"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;\">2,174 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,948 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>3,135 </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>5,451 </b></td></tr></tbody></table> <br/>\n<p>At year-end 2024, the fair value of borrowings was \u20ac\u00a03,136 million (2023: \u20ac\u00a05,520 million). For information regarding the fair value, see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>. The average interest rate payable on loans was 4.18% (2023: 2.61%). The average incremental borrowing rate on the lease liabilities was 3.81% (2023: 1.95%). </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>\n<p>In 2023 Aegon life restructured \u2018SAECURE 17\u2019, by expanding \u2018SAECURE 17\u2019 with new mortgage loans and extend the FORD for the next 5 years. After the restructuring \u2018SAECURE 17\u2019 exists of \u20ac\u00a04,350 million of class A notes with a first optional redemption date in January 2030. </p>\n<p>The following structured entities are group companies and have been consolidated: </p><ul><li>\n<p>SAECURE 17 B.V.; </p></li><li>\n<p>SAECURE 18 NHG B.V.; </p></li><li>\n<p>SAECURE 20 B.V.; </p></li><li>\n<p>SAECURE 21 B.V.; </p></li><li>\n<p>SAECURE 22 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>Delphinus 2023-I B.V. </p></li><li>\n<p>Orcinus 2023 B.V. </p></li></ul>\n<p>The structured entities relate to the funding or securitisation of mortgage loans. a.s.r. holds no shares in the structured entities. 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-664": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2749530\"><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: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>2024 </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>2023 </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;\">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>\n<tr><td class=\"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;\">23,192 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,381 </td></tr>\n<tr><td class=\"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;\">-23,433 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-12,805 </td></tr>\n<tr><td class=\"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;\">140 </td><td class=\"startCol-3 endCol-3 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 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;\">104 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><td class=\"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;\">-11,969 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">11,258 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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 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;\">11,967 </td></tr></tbody></table> <br/>\n<p>With the sale of Knab, a.s.r. no longer has savings deposits on the balance sheet, see <a href=\"#n2746737\" title=\"Discontinued operations\">section 7.4.6. </a></p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-667": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748615\"><span class=\"number\">7.5.19 </span><span class=\"title-text\">Due to banks </span></h1>\n<p>See accounting <a href=\"#n2746178\" title=\"E. Financial assets and financial liabilities\">policy E</a>. </p>\n<p>The amounts due to banks increased from \u20ac\u00a05,445 million to \u20ac\u00a05,550 million as a result of the increase in liability recognised for cash collateral under ISDAs (International Swaps and Derivatives Association) and Client Clearing Agreements (CCA) concluded with counterparties and Repurchase agreements. There is no significant difference between the carrying amount and the fair value of these liabilities (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a>). The average interest rate for the cash collateral received in 2024 is 3.65% and based on \u20acSTR (2023: 3.21%). Additionally the amount decreased because of the sell of Knab and the termination of the unsecured Revolving Credit Facility (RCF). </p>\n<p>\u20ac\u00a0517 million (2023: \u20ac\u00a0383 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 other financial assets. The liability recognised for cash collateral received on repurchase agreements is presented under due to banks. 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 in 2024 (2023: \u20ac\u00a0600 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 2024 the RCF is undrawn and fully available. </p>\n<p>An amount of \u20ac\u00a05,158 million due to banks (2023: \u20ac\u00a04,718 million) 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-669": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-670": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-673": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-674": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-675": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-677": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748635\"><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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><td 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;\">249 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">216 </td></tr>\n<tr><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;\">371 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">554 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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;\">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;\">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;\">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;\">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;\">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;\">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;\">647 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">567 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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;\">1,322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,376 </td></tr></tbody></table> <br/>\n<p>The carrying value of other liabilities approximates their fair value (see <a href=\"#n2747589\" title=\"Financial assets and liabilities not measured at fair value\">section 7.7.1.2</a> for further information on other financial liabilities). </p>\n<p>An amount of \u20ac\u00a0184 million (2023: \u20ac\u00a063 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-678": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745835\"><span class=\"number\">7.6.1 </span><span class=\"title-text\">Insurance contract revenue </span></h1>\n<p>See <a href=\"#n2746539\" title=\"W1. Insurance contract revenue\">accounting policy W1</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;\">2024 </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;\">1,786 </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;\">3,459 </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;\">5,245 </td></tr>\n<tr><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;\">23 </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;\">191 </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;\">214 </td></tr>\n<tr><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;\">148 </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;\">312 </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;\">461 </td></tr>\n<tr><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;\">66 </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;\">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;\">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;\">31 </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>2,047 </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>3,987 </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>6,034 </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>3,567 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,567 </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\"><td 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 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>5,614 </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>3,987 </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>9,601 </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;\">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\" 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;\">1,465 </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;\">2,362 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,827 </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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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;\">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\" 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;\">6 </td><td class=\"startCol-4 endCol-4 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=\"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>1,686 </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>2,716 </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>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\" 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>3,693 </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>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\" 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\"><td 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 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>5,379 </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>2,716 </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>8,095 </b></td></tr></tbody></table> <br/>\n<p>The increase in total Non-life (\u20ac\u00a0235\u00a0million) and Life (\u20ac\u00a01,271\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 P&amp;C and Disability portfolios. </p>\n<p>The insurance contract revenue related to the a.s.r. and Aegon NL post-employment benefit plans of \u20ac\u00a0254 million (2023: \u20ac\u00a0182 million) are not included in the life figures since these have been eliminated in the consolidation process. </p>\n<h3 class=\"table-title\">Insurance Contract Revenue reconciliation </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 2024 </b></th><th class=\"startCol-4 endCol-5 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></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;\"><b>Notes to the consolidated balance sheet </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>Notes to the consolidated income statement </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>Notes to the consolidated balance sheet </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>Notes to the consolidated income statement </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;\">7.5.13.1 Insurance contracts Non-Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,614 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,379 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.5.13.2 Insurance contracts Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,906 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,113 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.5.14.1 Life - 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\" style=\"text-align:right;vertical-align:bottom;\">1,081 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">603 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.6.1 Insurance contract revenue Non-Life </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,614 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,379 </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;\">7.6.1 Insurance contract revenue Life </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,987 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,716 </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>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>9,601 </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>9,601 </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>8,095 </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>8,095 </b></td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-679": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745835\"><span class=\"number\">7.6.1 </span><span class=\"title-text\">Insurance contract revenue </span></h1>\n<p>See <a href=\"#n2746539\" title=\"W1. Insurance contract revenue\">accounting policy W1</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;\">2024 </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;\">1,786 </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;\">3,459 </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;\">5,245 </td></tr>\n<tr><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;\">23 </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;\">191 </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;\">214 </td></tr>\n<tr><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;\">148 </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;\">312 </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;\">461 </td></tr>\n<tr><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;\">66 </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;\">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;\">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;\">31 </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>2,047 </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>3,987 </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>6,034 </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>3,567 </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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,567 </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\"><td 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 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>5,614 </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>3,987 </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>9,601 </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;\">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\" 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;\">1,465 </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;\">2,362 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,827 </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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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;\">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\" 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;\">6 </td><td class=\"startCol-4 endCol-4 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=\"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>1,686 </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>2,716 </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>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\" 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>3,693 </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>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\" 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\"><td 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 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>5,379 </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>2,716 </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>8,095 </b></td></tr></tbody></table> <br/>\n<p>The increase in total Non-life (\u20ac\u00a0235\u00a0million) and Life (\u20ac\u00a01,271\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 P&amp;C and Disability portfolios. </p>\n<p>The insurance contract revenue related to the a.s.r. and Aegon NL post-employment benefit plans of \u20ac\u00a0254 million (2023: \u20ac\u00a0182 million) are not included in the life figures since these have been eliminated in the consolidation process. </p>\n<h3 class=\"table-title\">Insurance Contract Revenue reconciliation </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 2024 </b></th><th class=\"startCol-4 endCol-5 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></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;\"><b>Notes to the consolidated balance sheet </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>Notes to the consolidated income statement </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>Notes to the consolidated balance sheet </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>Notes to the consolidated income statement </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;\">7.5.13.1 Insurance contracts Non-Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,614 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,379 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.5.13.2 Insurance contracts Life </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,906 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,113 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.5.14.1 Life - 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\" style=\"text-align:right;vertical-align:bottom;\">1,081 </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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">603 </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-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">7.6.1 Insurance contract revenue Non-Life </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,614 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,379 </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;\">7.6.1 Insurance contract revenue Life </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-top-1 format-highlight\" 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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,987 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,716 </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>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>9,601 </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>9,601 </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>8,095 </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>8,095 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745915\"><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=\"#n2746160\" title=\"D. Investment property\">D</a> and <a href=\"#n2746178\" 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>2024 </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>2023 </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;\">219 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-203 </td></tr>\n<tr><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;\">50 </td><td class=\"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;\">- 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;\">-441 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">814 </td></tr>\n<tr><td class=\"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;\">210 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </td></tr>\n<tr><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;\">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;\">-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 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;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">81 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">- 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;\">982 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">251 </td></tr>\n<tr><td class=\"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;\">87 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"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;\">3,218 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td></tr>\n<tr><td class=\"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;\">-253 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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;\">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;\">-4 </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>4,250 </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>4,839 </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 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=\"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\" 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 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;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-91 </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>211 </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>-91 </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>4,459 </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>4,747 </b></td></tr></tbody></table> <br/>\n<p>Net fair value gains and losses are mainly due to movements in interest rates, revaluations 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 market prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745747\"><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: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;\"><b>2024 </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>2023 </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;\">144 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><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;\">374 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>518 </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>328 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. </p>\n<p>The increase of fee income is mostly related to the acquired activities of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745765\"><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>2024 </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>2023 </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;\">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;\">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;\">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;\">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;\">63 </td></tr>\n<tr><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;\">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;\">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;\">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;\">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;\">273 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>107 </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>372 </b></td></tr></tbody></table> <br/>\n<p>In 2024, other income related mainly to electricity yields. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-681": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745854\"><span class=\"number\">7.6.2 </span><span class=\"title-text\">Insurance service expenses </span></h1>\n<p>See <a href=\"#n2746557\" title=\"W2. Insurance service expenses\">accounting policy W2</a>. </p>\n<p>Total insurance service expenses increased by \u20ac\u00a01,112 million to \u20ac\u00a08,739 million comprising claims and benefits (\u20ac\u00a0989 million increase) and insurance service operating expenses (\u20ac\u00a0123 million increase). The increase in insurance service expenses was mostly in the Life segment, this increase was mainly driven by the acquired activities of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745873\"><span class=\"number\">7.6.3 </span><span class=\"title-text\">Net result from reinsurance contracts </span></h1>\n<p>See <a href=\"#n2746539\" title=\"W1. Insurance contract revenue\">accounting policy W1</a>. </p>\n<h3 class=\"table-title\">Net result from reinsurance contracts </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-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-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">2024 </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;\">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;\">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;\">-678 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-392 </td></tr>\n<tr><td class=\"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;\">559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">331 </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 liability 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34 </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 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>-90 </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>-27 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\n<p>Employees related to administrative activities and overhead are allocated to segment Holding and Other. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745808\"><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;\">2024 </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;\">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;\">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;\">-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;\">-99 </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;\">156 </td><td class=\"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=\"cBold\"><td class=\"startCol-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>66 </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>-105 </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;\">-448 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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>-448 </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>-169 </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 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>-383 </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>-275 </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 2024, this rate was 25.8% (2023: 25.8%). The enacted tax rate for 2025 will be 25.8%. </p>\n<p>The impact of the current tax to previous periods is to a highly extent set off in the deferred taxes arising from current period. </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;\">2024 </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;\">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;\">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;\">1,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,278 </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>-373 </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>-330 </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>Effects of: </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;\">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;\">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;\">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;\">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;\">9 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">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 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;\">-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;\">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;\">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;\">-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;\">-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;\">Adjustments for taxes due on previous financial 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-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 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;\">-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;\">32 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-383 </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>-275 </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 26.5% (2023: 21.5%). </p>\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, implemented in the Netherlands as the \u201cWet minimum belasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024, applies to multinational enterprises and large-scale domestic groups with consolidated revenues of \u20ac\u00a0750 million or more in at least two out of the last four years. These revenues, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15.\u00a0a.s.r. operates in the Netherlands as a large-scale domestic group and should, in principle, be subject to the top-up tax rules under Pilar 2. a.s.r. has determined that any top-up tax due under Pillar 2 is an income tax within the scope of IAS 12 and accounts for it as a current tax when it is incurred. </p>\n<p>However, a.s.r. has assessed the potential exposure to Pillar 2 and does not expect the impact of the Pillar 2 income taxes to be material. This is because a.s.r. can rely on: </p><ul><li>\n<p>The domestic group exemption during the first five years after the Pillar 2 legislation comes into effect; and </p></li><li>\n<p>The Transitional CbCR Safe Harbour rules during the first three years after the Pillar 2 legislation comes into effect, which allows a.s.r. to reduce the top-up tax to zero. </p></li></ul>\n<p>Although a.s.r. could reduce any top-up tax to zero during the first five years by applying a combination of the domestic group exemption and the Transitional CbCR Safe Harbour rules, a.s.r. notes that it applies the temporary mandatory relief from recognising and disclosing information about deferred taxes related to Pillar 2 income taxes. </p>\n<p>a.s.r. will continue to monitor the developments of Pillar 2 legislation, the applicability of the domestic group exemption, and the applicability of the CbCR Safe Harbour rules on the Group's financial position. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-683": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747498\"><span class=\"number\">7.7.10 </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\u00a0409 million in dividend on ordinary shares over 2024. Including the interim dividend of \u20ac\u00a0245 million the total dividends to shareholder amount to \u20ac\u00a0654 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=\"n2748571\"><span class=\"number\">7.9.3 </span><span class=\"title-text\">Additional information  <br/></span></h1>\n<div class=\"header header-2\">1. Capital Market transactions </div>\n<p>On 20 March 2024, a.s.r. has successfully priced \u20ac\u00a0500 million perpetual subordinated 8.25 year Restricted Tier 1 capital securities (\u201cNew Securities\u201d). The New Securities were priced at a fixed rate coupon of 6.625% per annum until the first reset date on 27 June 2032. The New Securities are first callable six months prior to the first reset date and on each interest payment thereafter. </p>\n<p>In 2024, the 2014 5% perpetual T2 hybrid capital instrument of \u20ac\u00a0500 million has been fully redeemed. </p>\n<div class=\"header header-2\">2. Share buyback programme </div>\n<p>In 2024, it was determined that the expected developments of the OCC combined with a robust balance sheet will allow for the resumption of additional capital distribution to shareholders. This was interrupted in 2022 following the announcement of the transaction with Aegon Netherlands. For the financial years 2024, the intention was determined and communicated during the Capital Markets Day 2024 to buy back treasury shares for an amount of \u20ac\u00a0125 million. This will be decided with the publication of the full annual results with a test of whether the conditions set in the capital and dividend policy for the purchase of own shares have been met. </p>\n<p>On 7 November 2024, ASR Nederland N.V. (a.s.r.) announced a share buyback program of \u20ac\u00a0100 million in own shares following the successful completion of the sale of Knab to BAWAG. The buyback program was completed on 11 December, 2024. In total there are 2.213.413 shares of a.s.r. repurchased at an average price of \u20ac\u00a045.18 per share. An independent broker, appointed by a.s.r., carried out the repurchase. </p>\n<div class=\"header header-2\">3. Dividend </div>\n<p>a.s.r. has proposed a total dividend of \u20ac\u00a03.12 per share over the full year 2024 (2023: \u20ac\u00a02.89 per share). Taking into account the interim dividend of \u20ac\u00a01.16 per share, the final dividend amounts to \u20ac\u00a01.96 per share. The final dividend amounts to \u20ac\u00a0409 million based on the number of shares per 31 December 2024. a.s.r. maintains a progressive dividend policy which increases dividend by mid to high single digit annual growth until 2026. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-684": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745915\"><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=\"#n2746160\" title=\"D. Investment property\">D</a> and <a href=\"#n2746178\" 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>2024 </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>2023 </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;\">219 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-203 </td></tr>\n<tr><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;\">50 </td><td class=\"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;\">- 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;\">-441 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">814 </td></tr>\n<tr><td class=\"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;\">210 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </td></tr>\n<tr><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;\">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;\">-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 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;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">81 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">- 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;\">982 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">251 </td></tr>\n<tr><td class=\"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;\">87 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"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;\">3,218 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td></tr>\n<tr><td class=\"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;\">-253 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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;\">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;\">-4 </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>4,250 </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>4,839 </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 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=\"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\" 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 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;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-91 </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>211 </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>-91 </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>4,459 </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>4,747 </b></td></tr></tbody></table> <br/>\n<p>Net fair value gains and losses are mainly due to movements in interest rates, revaluations 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 market prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-685": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745915\"><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=\"#n2746160\" title=\"D. Investment property\">D</a> and <a href=\"#n2746178\" 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>2024 </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>2023 </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;\">219 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-203 </td></tr>\n<tr><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;\">50 </td><td class=\"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;\">- 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;\">-441 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">814 </td></tr>\n<tr><td class=\"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;\">210 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">364 </td></tr>\n<tr><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;\">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;\">-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 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;\">123 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">81 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">- 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;\">982 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">251 </td></tr>\n<tr><td class=\"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;\">87 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">236 </td></tr>\n<tr><td class=\"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;\">3,218 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </td></tr>\n<tr><td class=\"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;\">-253 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">956 </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;\">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;\">-4 </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>4,250 </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>4,839 </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 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=\"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\" 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 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;\">211 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-91 </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>211 </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>-91 </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>4,459 </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>4,747 </b></td></tr></tbody></table> <br/>\n<p>Net fair value gains and losses are mainly due to movements in interest rates, revaluations 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 market prices. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745935\"><span class=\"number\">7.6.6 </span><span class=\"title-text\">Impairments </span></h1>\n<p>See accounting policy <a href=\"#n2746142\" title=\"C. Intangible assets\">C</a> and <a href=\"#n2746178\" 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>2024 </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>2023 </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 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;\">-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;\">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;\">-3 </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;\">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;\">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;\">-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-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>-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>-36 </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;\">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;\">-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 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;\">-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;\">-13 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>-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>-36 </b></td></tr></tbody></table> <br/>\n<p>In 2023, the impairment in intangible assets related to an impairment of goodwill in segment Distribution and Services, see <a href=\"#n2748654\" title=\"Intangible assets\">section 7.5.1</a>. </p>\n<p>For more information regarding loss allowance see <a href=\"#n2748180\" title=\"Expected credit loss\">section 7.8.4.7</a>. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-686": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-687": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745892\"><span class=\"number\">7.6.4 </span><span class=\"title-text\">Direct investment income </span></h1>\n<p>See accounting policy <a href=\"#n2746612\" title=\"W3. Investment income\">W3</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>2024 </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>2023 </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;\">2,160 </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;\">1,435 </td></tr>\n<tr><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;\">3,449 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,168 </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;\">184 </td><td class=\"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 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>5,793 </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>3,710 </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;\">385 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">144 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">91 </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;\">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;\">44 </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>558 </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>428 </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>6,351 </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>4,137 </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\u00a061 million (2023: \u20ac\u00a072 million), of which \u20ac\u00a08 million (2023: \u20ac\u00a019 million) relates to instruments derecognised during the year. </p>\n<p>The effective interest method has been applied to an amount of \u20ac\u00a0184 million (2023: \u20ac\u00a0107 million) of the interest income from financial instruments measured at amortised cost. Included within interest income is nil (2023: nil) of interest received on impaired fixed-income securities. </p>\n<p>The interest income from interest derivatives and interest expenses on interest derivatives (see <a href=\"#n2745728\" title=\"Other finance expenses\">section 7.6.8</a>) is not netted in the income statement. However, the net interest result on interest derivatives amounts to \u20ac\u00a054 million (2023: \u20ac\u00a0138 million). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-695": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-698": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745957\"><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=\"#n2746575\" title=\"W4. Insurance finance income and expenses\">accounting policy W4</a>. </p>\n<p>The table on the next page shows 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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2024 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Total </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>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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Direct investment income </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;\">480 </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;\">5,424 </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;\">11 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">436 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6,351 </td></tr>\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;\">Net fair value gains (and losses) </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;\">203 </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;\">1,068 </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;\">3,218 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-29 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4,459 </td></tr>\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;\">Net impairment (loss)/reversal on financial assets </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;\">1 </td><td class=\"startCol-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">\u00a0</td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Amounts recognised in other comprehensive income </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;\">57 </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;\">180 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7 </td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">243 </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 investment income </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>740 </b></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;\"><b>6,671 </b></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;\"><b>3,229 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>11,054 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Changes in fair value of underlying items of direct participating contracts </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-3,232 </td></tr>\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;\">Effects of risk mitigation option </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">180 </td></tr>\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;\">Interest accreted </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;\">-312 </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;\">-2,023 </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;\">-24 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-2,360 </td></tr>\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;\">Effect of changes in interest rates and other financial assumptions </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;\">44 </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;\">-323 </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;\">4 </td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-275 </td></tr>\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;\">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-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-4 </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;\">-67 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">-71 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Net foreign exchange loss </td><td class=\"startCol-2 endCol-2 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-3 endCol-3 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-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\">- </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 net finance expenses from insurance contracts </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>-272 </b></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;\"><b>-2,414 </b></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;\"><b>-3,072 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>-5,757 </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-middle align-left border-bottom-1 border-right-1\" style=\"text-align:left;vertical-align:middle;\"><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-middle align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:middle;\">Interest accreted </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;\">11 </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;\">9 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">20 </td></tr>\n<tr class=\" cBoderType2\"><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;\">Other </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;\">-1 </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;\">7 </td><td class=\"startCol-4 endCol-4 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-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight 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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6 </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 net finance income from reinsurance contracts </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>10 </b></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;\"><b>16 </b></td><td class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align:right;vertical-align:middle;\"><b>- </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>26 </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\"><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 </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>478 </b></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;\"><b>4,273 </b></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;\"><b>157 </b></td><td class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>414 </b></td><td class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\"><b>5,322 </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-middle align-left border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:middle;\"><b>2023 </b></th><th class=\"startCol-2 endCol-2 valign-middle align-right border-bottom-1 border-left-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Non-Life </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>Life GMM </b></th><th class=\"startCol-4 endCol-4 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Life VFA </b></th><th class=\"startCol-5 endCol-5 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><b>Other </b></th><th class=\"startCol-6 endCol-6 valign-middle align-right border-bottom-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:middle;\"><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;\">392 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" 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;\">152 </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;\">4,137 </td></tr>\n<tr><td class=\"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;\">186 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,245 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,325 </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;\">-9 </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;\">4,747 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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;\">-23 </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;\">-22 </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;\">56 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 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;\">10 </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;\">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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>5,991 </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>2,335 </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>130 </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>9,089 </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;\">-2,288 </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;\">-2,288 </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 zero-dash\" 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;\">-239 </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;\">-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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,592 </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\" 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\" 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\" 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 zero-dash\" style=\"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;\">-1,255 </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\" 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\" 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 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;\">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\" 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\" 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\" 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 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>-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\" 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;\">8 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-top-1 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;\">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\" 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\" 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 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;\">-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\" 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\" 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 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>-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\" 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\"><td class=\"startCol-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>391 </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>3,558 </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>-201 </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>130 </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>3,878 </b></td></tr></tbody></table> <br/>\n<p>See <a href=\"#n2745915\" title=\"Net fair value gains (and losses)\">section 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=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-702": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745728\"><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: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;\"><b>2024 </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>2023 </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;\">-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;\">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;\">-179 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-74 </td></tr>\n<tr><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;\">-149 </td><td class=\"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><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;\">-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-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;\">-176 </td><td class=\"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><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;\">-3,395 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,030 </td></tr>\n<tr><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;\">-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;\">-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;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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\"><td 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>-4,031 </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>-2,451 </b></td></tr></tbody></table> <br/>\n<p>The increase in finance expenses on employee benefits relates to the acquisition of Aegon partly offset by the accrual on the DB obligation of post-employment benefits pensions as a result of a decreased discount rate, see <a href=\"#n2749383\" title=\"Employee benefits\">section 7.5.15</a>. The interest expense is calculated based on interest rates as of 31 December of the previous year. (31 December 2023: 3.42%; 31 December 2022: 3.67%). </p>\n<p>Finance expenses on derivatives increased due to increased variable interest rates and the acquisition of Aegon NL. </p>\n<p>Other finance expenses increased by \u20ac\u00a01,580 million mainly due to higher expenses on derivatives contracts (\u20ac\u00a01,365 million) caused by higher variable interest rates. In combination with \u20ac\u00a01,281million higher interest income on derivatives as part of the Direct investment income line, the net interest income on derivative contracts decreased by \u20ac\u00a084 million. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-708": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745747\"><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: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;\"><b>2024 </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>2023 </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;\">144 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><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;\">374 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>518 </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>328 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. </p>\n<p>The increase of fee income is mostly related to the acquired activities of Aegon NL. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-710": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745747\"><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: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;\"><b>2024 </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>2023 </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;\">144 </td><td class=\"startCol-3 endCol-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></tr>\n<tr><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;\">374 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">243 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>518 </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>328 </b></td></tr></tbody></table> <br/>\n<p>Other fee income mainly relates to the fee income from the Distribution and Services entities. </p>\n<p>The increase of fee income is mostly related to the acquired activities of Aegon NL. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-711": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745765\"><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>2024 </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>2023 </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;\">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;\">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;\">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;\">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;\">63 </td></tr>\n<tr><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;\">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;\">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;\">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;\">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;\">273 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>107 </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>372 </b></td></tr></tbody></table> <br/>\n<p>In 2024, other income related mainly to electricity yields. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-712": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745765\"><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>2024 </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>2023 </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;\">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;\">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;\">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;\">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;\">63 </td></tr>\n<tr><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;\">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;\">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;\">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;\">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;\">273 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>107 </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>372 </b></td></tr></tbody></table> <br/>\n<p>In 2024, other income related mainly to electricity yields. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-714": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-717": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-719": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745783\"><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: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-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>2024 </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>2023 </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;\">-567 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-444 </td></tr>\n<tr><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;\">-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;\">-62 </td></tr>\n<tr><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;\">-113 </td><td class=\"startCol-3 endCol-3 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><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;\">-33 </td><td class=\"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>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>-797 </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>-617 </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;\">-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;\">-146 </td></tr>\n<tr><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;\">-209 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-144 </td></tr>\n<tr><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;\">-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;\">-44 </td></tr>\n<tr><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;\">-165 </td><td class=\"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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Amortisation of other intangible assets (section 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;\">-47 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-26 </td></tr>\n<tr><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 (section 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;\">-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;\">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;\">-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;\">-58 </td></tr>\n<tr><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;\">-789 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-707 </td></tr>\n<tr><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;\">-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;\">-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;\">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;\">-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;\">-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;\">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;\">-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;\">-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;\">Realised losses on derecognition of 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;\">-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><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;\">-73 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-372 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">38 </td><td class=\"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;\">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;\">-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;\">-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </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>2024 </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>2023 </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 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;\">-1,350 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,227 </td></tr>\n<tr><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;\">-205 </td><td class=\"startCol-3 endCol-3 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><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;\">-821 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-927 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-2,376 </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>-2,300 </b></td></tr></tbody></table> <br/>\n<p>In 2023 \u00a0\u2018Other\u2019 expense related mainly to an expense of \u20ac\u00a0300\u00a0million for the settlement agreement with the consumer protection organisations on the unit-linked products (\u20ac\u00a0250\u00a0million) and an additional provision of \u20ac\u00a050\u00a0million to facilitate\u00a0individual claims of customers in distressing situations (see <a href=\"#n2749490\" title=\"Provisions\">section 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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><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;\">1,728 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,810 </td></tr>\n<tr><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;\">752 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">735 </td></tr>\n<tr><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;\">771 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">808 </td></tr>\n<tr><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 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;\">438 </td></tr>\n<tr><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;\">2,436 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,396 </td></tr>\n<tr><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;\">1,687 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,807 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>7,373 </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>7,994 </b></td></tr></tbody></table> <br/>\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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-723": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2745808\"><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;\">2024 </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;\">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;\">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;\">-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;\">-99 </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;\">156 </td><td class=\"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=\"cBold\"><td class=\"startCol-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>66 </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>-105 </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;\">-448 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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 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>-448 </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>-169 </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 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>-383 </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>-275 </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 2024, this rate was 25.8% (2023: 25.8%). The enacted tax rate for 2025 will be 25.8%. </p>\n<p>The impact of the current tax to previous periods is to a highly extent set off in the deferred taxes arising from current period. </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;\">2024 </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;\">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;\">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;\">1,447 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,278 </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>-373 </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>-330 </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>Effects of: </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;\">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;\">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;\">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;\">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;\">9 </td></tr>\n<tr><td class=\"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;\">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;\">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;\">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 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;\">-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;\">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;\">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;\">-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;\">-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;\">Adjustments for taxes due on previous financial 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-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 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;\">-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;\">32 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>-383 </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>-275 </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 26.5% (2023: 21.5%). </p>\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, implemented in the Netherlands as the \u201cWet minimum belasting\u201d, and is effective for accounting periods beginning on or after 1 January 2024, applies to multinational enterprises and large-scale domestic groups with consolidated revenues of \u20ac\u00a0750 million or more in at least two out of the last four years. These revenues, as defined by the OECD, include any form of income and are therefore not limited to revenue recognised in accordance with IFRS 15.\u00a0a.s.r. operates in the Netherlands as a large-scale domestic group and should, in principle, be subject to the top-up tax rules under Pilar 2. a.s.r. has determined that any top-up tax due under Pillar 2 is an income tax within the scope of IAS 12 and accounts for it as a current tax when it is incurred. </p>\n<p>However, a.s.r. has assessed the potential exposure to Pillar 2 and does not expect the impact of the Pillar 2 income taxes to be material. This is because a.s.r. can rely on: </p><ul><li>\n<p>The domestic group exemption during the first five years after the Pillar 2 legislation comes into effect; and </p></li><li>\n<p>The Transitional CbCR Safe Harbour rules during the first three years after the Pillar 2 legislation comes into effect, which allows a.s.r. to reduce the top-up tax to zero. </p></li></ul>\n<p>Although a.s.r. could reduce any top-up tax to zero during the first five years by applying a combination of the domestic group exemption and the Transitional CbCR Safe Harbour rules, a.s.r. notes that it applies the temporary mandatory relief from recognising and disclosing information about deferred taxes related to Pillar 2 income taxes. </p>\n<p>a.s.r. will continue to monitor the developments of Pillar 2 legislation, the applicability of the domestic group exemption, and the applicability of the CbCR Safe Harbour rules on the Group's financial position. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-725": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747537\"><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=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">policy B</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747556\"><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 2024 </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 - 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;\">5,428 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">5,428 </td></tr>\n<tr><td class=\"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;\">2,031 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,031 </td></tr>\n<tr><td class=\"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;\">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;\">64 </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;\">562 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">639 </td></tr>\n<tr><td class=\"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;\">14,516 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,259 </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;\">15,774 </td></tr>\n<tr><td class=\"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;\">9,854 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">767 </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;\">10,621 </td></tr>\n<tr><td class=\"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;\">3,023 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,023 </td></tr>\n<tr><td class=\"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;\">740 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">720 </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;\">608 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,068 </td></tr>\n<tr><td class=\"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;\">553 </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;\">553 </td></tr>\n<tr><td class=\"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;\">25,398 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">25,398 </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;\">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;\">9,535 </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;\">19 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">9,584 </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>25,704 </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>12,346 </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>37,070 </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>75,119 </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;\">243 </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;\">243 </td></tr>\n<tr><td class=\"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;\">352 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">352 </td></tr>\n<tr><td class=\"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;\">6,373 </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;\">6,373 </td></tr>\n<tr><td class=\"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;\">3,375 </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;\">3,375 </td></tr>\n<tr><td class=\"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;\">333 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">333 </td></tr>\n<tr><td class=\"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;\">299 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">224 </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;\">373 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">896 </td></tr>\n<tr><td class=\"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;\">-31 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">104 </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;\">73 </td></tr>\n<tr><td class=\"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;\">16,078 </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;\">16,078 </td></tr>\n<tr><td class=\"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;\">1,421 </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;\">1,421 </td></tr>\n<tr><td class=\"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;\">245 </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;\">245 </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;\">2,493 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,124 </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;\">3,617 </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>28,850 </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>1,697 </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>2,478 </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>33,025 </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 at FVOCI </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;\">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;\">2,643 </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;\">53 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,696 </td></tr>\n<tr><td class=\"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;\">129 </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;\">134 </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;\">11 </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;\">11 </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>2,654 </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>129 </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>57 </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>2,841 </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 2024 </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>Derivatives </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;\">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;\">46 </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;\">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;\">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;\">10,644 </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;\">10,644 </td></tr>\n<tr><td class=\"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;\">704 </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;\">704 </td></tr>\n<tr><td class=\"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;\">52 </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;\">52 </td></tr>\n<tr><td class=\"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;\">31 </td><td 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 zero-dash\" style=\"text-align: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;\">44 </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;\">277 </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;\">277 </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>84 </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>11,684 </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>11,767 </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;\">2,564 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,629 </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;\">4,194 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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>59,855 </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>27,485 </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>39,606 </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>126,946 </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 2024 </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;\">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-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">189 </td></tr>\n<tr><td class=\"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;\">8,334 </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;\">8,334 </td></tr>\n<tr><td class=\"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;\">49 </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><td class=\"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;\">3 </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;\">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;\">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;\">55 </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;\">55 </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;\">37 </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;\">37 </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 </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>8,663 </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>8,666 </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>3 </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>8,663 </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>8,666 </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-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;\">213 </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;\">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\" 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 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>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\" 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;\">5,253 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,253 </td></tr>\n<tr><td class=\"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;\">997 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">15,854 </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\" 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\" 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 zero-dash\" style=\"text-align: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;\">9,948 </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 zero-dash\" 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;\">3,013 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">24,494 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\">8,976 </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>25,217 </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>11,465 </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>35,024 </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>71,706 </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;\">278 </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;\">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 zero-dash\" 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;\">271 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">6,013 </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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">351 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">1,357 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,357 </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 zero-dash\" 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;\">208 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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\" 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\" 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\" 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;\">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;\">280 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"text-align: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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">58 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,348 </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 zero-dash\" 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;\">75 </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 </td><td class=\"startCol-5 endCol-5 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-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;\">5 </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;\">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\" 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\" 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\" 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\" 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\" 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;\">57 </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;\">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\" 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;\">11,655 </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;\">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 zero-dash\" 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;\">709 </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;\">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\" 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;\">77 </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;\">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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">358 </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;\">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\" 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\" 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 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>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\" 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;\">6,262 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">1,648 </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;\">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\" 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>60,774 </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>28,141 </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>37,486 </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>126,401 </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 border-bottom-1 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 border-top-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;\">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;\">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\" 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;\">9,766 </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;\">9,766 </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 zero-dash\" 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;\">59 </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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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 zero-dash\" 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;\">79 </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;\">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 zero-dash\" 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;\">21 </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\"><td class=\"startCol-1 endCol-1 valign-top border-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>90 </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>10,041 </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>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\" 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\" 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\" 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 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>10,132 </b></td></tr></tbody></table> <br/>\n<p>Cash and cash equivalents (excluding money market instruments) are classified as level 1 when not subject to restrictions. Money market instruments are classified as level 2. </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>2024 </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;\">73 </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>73 </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;\">122 </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>122 </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\u00a0122 million) and from level 1 to level 2 (\u20ac\u00a073 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>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\" 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;\">125 </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;\"><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\" 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 zero-dash\" style=\"text-align: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;\"><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 zero-dash\" 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 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<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>2024 </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>2023 </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;\">62 </td><td class=\"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-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">-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;\">-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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>57 </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>62 </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>2024 </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>2023 </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;\">37,424 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">15,016 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">1,394 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">158 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">6,492 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,725 </td></tr>\n<tr><td class=\"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;\">-3,467 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-3,400 </td></tr>\n<tr><td class=\"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;\">-2,193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,357 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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;\">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;\">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;\">-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-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;\">-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;\">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 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;\">21,456 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>39,548 </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>37,424 </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>1,381 </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>217 </b></td></tr></tbody></table> <br/>\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\u00a05 million (2023: \u20ac\u00a06 million), being approximately 0.1% (before tax) (2023: 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=\"#n2748128\" title=\"Counterparty default risk\">section 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 securitisations 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\u00a061 million (2023: \u20ac\u00a057 million), being approximately 0.7% (before tax) (2023: 0.6% (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 that of a.s.r. </p>\n<p>The table on the next page 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:25%;\"/><col style=\"width:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </b></th></tr>\n<tr class=\"cBoderType1\"><th class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">3,485 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">118,027,068 </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\" style=\"text-align:right;vertical-align:bottom;\">3.4% </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-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-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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,943 </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=\"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-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,428 </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-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:9%;\"/><col style=\"width:15%;\"/><col style=\"width:7%;\"/><col style=\"width:25%;\"/><col style=\"width:7%;\"/><col style=\"width:12%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-bottom border-bottom-1 border-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,357 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">116,418,080 </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-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.5% </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-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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,896 </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></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-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>5,253 </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr></tbody></table><br/>\n<p>The significant inputs to the level 3 values of real estate equity funds associates are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the real estate equity funds associates. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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=\"n2747589\"><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 2024 </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;\">2,576 </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;\">2,576 </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;\">2,624 </td></tr>\n<tr><td class=\"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;\">9 </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;\">9 </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;\">9 </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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">3,053 </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;\">3,053 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,559 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">494 </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;\">2,585 </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;\">5,639 </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;\">5,687 </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;\">2,205 </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;\">2,205 </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;\">2,007 </td></tr>\n<tr><td class=\"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;\">3,062 </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;\">74 </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;\">3,136 </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;\">3,135 </td></tr>\n<tr><td class=\"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;\">5,429 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">121 </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;\">5,550 </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;\">5,550 </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;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">605 </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;\">629 </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;\">620 </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 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>5,453 </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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>74 </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>11,520 </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>11,312 </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 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\" 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><td class=\"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;\">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\" 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-right-1 border-top-1\" 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 zero-dash\" 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;\">178 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">3,426 </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;\">3,425 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-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;\">2,827 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">14,485 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">17,911 </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;\">18,200 </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-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-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 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;\">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;\">2,118 </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;\">2,118 </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;\">2,005 </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;\">5,432 </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;\">88 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,520 </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;\">5,451 </td></tr>\n<tr><td class=\"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 zero-dash\" 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;\">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\" 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-right-1 border-top-1\" 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\" style=\"text-align:right;vertical-align:bottom;\">5,245 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" 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 zero-dash\" style=\"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;\">5,445 </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;\">5,445 </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;\">63 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">713 </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;\">776 </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;\">770 </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 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>5,308 </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>8,463 </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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>25,980 </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>25,637 </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=\"#n2747556\" title=\"Financial assets and liabilities measured at fair value\">section 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=\"n2747608\"><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 2024 </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;\">3,364 </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;\">3,364 </td></tr>\n<tr><td class=\"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;\">164 </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></tr>\n<tr><td class=\"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;\">386 </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;\">386 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>3,913 </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>3,913 </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 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 zero-dash\" 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;\">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\" 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 zero-dash\" 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;\">168 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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 zero-dash\" 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;\">417 </td><td class=\"startCol-5 endCol-5 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></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td 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>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\" style=\"text-align:right;vertical-align:bottom;\"><b>3,636 </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 2024 </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 2023 </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;\">2024 </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;\">2023 </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;\">153 </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;\">155 </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;\">3.1% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3.9% </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;\">2,512 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">2,347 </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\" style=\"text-align:right;vertical-align:bottom;\">1.7% </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;\">220 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">207 </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;\">399 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">287 </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;\">15.4% </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-left-1\" style=\"text-align:right;vertical-align:bottom;\">10.4% </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;\">67 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">43 </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\" style=\"text-align:right;vertical-align:bottom;\">100.0% </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>3,364 </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>3,051 </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>5.2% </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>3.9% </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=\"#n2748675\" title=\"Property, plant and equipment\">section 7.5.2</a> and <a href=\"#n2748698\" title=\"Investment property\">section 7.5.3</a>. </p>\n<p>The significant inputs to the level 3 values of investment property are disclosed in <a href=\"#n2746122\" title=\"B. Fair value of assets and liabilities\">accounting policy B. </a></p>\n<p>An increase (decrease) in the gross yield in isolation will result in a lower (higher) fair value of the investment property and land and buildings for own use. An increase (decrease) in the theoretical rental value in isolation will result in a higher (lower) fair value. </p>\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:26%;\"/><col style=\"width:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;border-bottom:1px solid;\"><b>31 December 2024 </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 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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-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;\">153 </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;\">10,744,691 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">7.0% </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;\">1,871,288 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.6% </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;\">104,781 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.4% </td></tr>\n<tr><td class=\"startCol-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;\">2,512 </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;\">126,143,320 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">5.0% </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;\">5,438,948 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">11.8% </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;\">5,179 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">220 </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;\">5,646,002 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">2.6% </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;\">2,043,427 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.8% </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;\">12,900 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">1.5% </td></tr>\n<tr><td class=\"startCol-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;\">399 </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;\">19,446,857 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">4.9% </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;\">6,440,939 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.5% </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 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;\">60,128 </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">3.4% </td></tr>\n<tr><td class=\"startCol-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;\">67 </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><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-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-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 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>163 </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;\">14,465,170 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">9.1% </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;\">8,663,755 </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 format-highlight\" style=\"text-align:right;vertical-align:middle;\">22.1% </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-top-1 format-highlight\" style=\"text-align:right;vertical-align:middle;\">6.8% </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-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>386 </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 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 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 </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>3,913 </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-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:15%;\"/><col style=\"width:16%;\"/><col style=\"width:11%;\"/><col style=\"width:15%;\"/><col style=\"width:9%;\"/><col style=\"width:8%;\"/></colgroup><thead>\n<tr style=\"border:none;\"><th class=\"startCol-1 endCol-7 valign-bottom align-left colspan-7 headrow\" colspan=\"7\" scope=\"col\" style=\"text-align:left;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-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 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Gross yield (%) </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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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;\">155 </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;\">11,834,440 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.6% </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;\">1,775,241 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">10.4% </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;\">9,149 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.6% </td></tr>\n<tr><td class=\"startCol-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;\">2,347 </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;\">107,232,363 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">4.6% </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;\">5,277,404 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">25.9% </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;\">4,807 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.6% </td></tr>\n<tr><td class=\"startCol-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;\">207 </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;\">5,675,431 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">2.7% </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;\">733,743 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">7.1% </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;\">3,578 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">0.5% </td></tr>\n<tr><td class=\"startCol-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;\">287 </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;\">19,006,243 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.6% </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;\">6,246,961 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">9.6% </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;\">58,024 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">3.9% </td></tr>\n<tr><td class=\"startCol-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\" style=\"text-align:right;vertical-align:middle;\">42 </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></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-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td></tr>\n<tr><td class=\"startCol-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-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-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>167 </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;\">14,446,774 </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\" style=\"text-align:right;vertical-align:middle;\">8.9% </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;\">8,645,359 </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\" style=\"text-align:right;vertical-align:middle;\">17.4% </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;\">1,542,905 </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-top-1\" style=\"text-align:right;vertical-align:middle;\">6.9% </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-top-1\" style=\"text-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>417 </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\" 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\" 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 </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>3,636 </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-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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-727": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747516\"><span class=\"number\">7.7.2 </span><span class=\"title-text\">Cash flows from operating activities </span></h1>\n<h3 class=\"table-title\">Cash flows from operating activities </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;\">(in \u20ac\u00a0millions) </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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><td 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 generated from operating activities </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;\">Result before tax from continuing and discontinued 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;\">1,608 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,389 </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-right-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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Adjustments on non-cash items included in result: </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;\">Revaluation through 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;\">540 </td><td class=\"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;\">Retained 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-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;\">-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;\">Depreciation and amortisation </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">113 </td><td class=\"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><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\" 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;\">36 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Addition to provision </td><td class=\"startCol-2 endCol-2 valign-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;\">363 </td></tr>\n<tr><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;\">-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;\">-133 </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-right-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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Changes in operating assets and 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;\">Net (increase) / decrease in 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;\">-86 </td><td class=\"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;\">Net (increase) / decrease in 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;\">-1,992 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,649 </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;\">Net (increase) / decrease in 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;\">545 </td><td class=\"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;\">Net (increase) / decrease in 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;\">-930 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,381 </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;\">Net (increase) / decrease in 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;\">-102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">644 </td></tr>\n<tr><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 (increase) / decrease in amounts 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;\">616 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,281 </td></tr>\n<tr><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 (increase) / decrease in 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;\">-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;\">31 </td></tr>\n<tr><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 increase / (decrease) in 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;\">-1,007 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,178 </td></tr>\n<tr><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 increase / (decrease) in liabilities arising from 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;\">-658 </td><td class=\"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;\">Net (increase) / decrease in other operating assets and 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;\">780 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-1,157 </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 received (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;\">-102 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-82 </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 from operating activities </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>-699 </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>3,597 </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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Further details on cash flows from operating activities: </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;\">Interest 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;\">5,793 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">3,710 </td></tr>\n<tr><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 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;\">-3,587 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,188 </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;\">Dividend 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;\">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;\">280 </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-right-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 border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Further details on lease payments: </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;\">Total cash outflow for leases </td><td class=\"startCol-2 endCol-2 valign-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;\">-11 </td></tr></tbody></table> <br/>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-730": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747647\"><span class=\"number\">7.7.4 </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 at arm\u2019s length transactions. </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><li>\n<p>Aegon Ltd. and its group companies (since Aegon Ltd. has significant influence over a.s.r.). </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:16%;\"/><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 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-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Aegon Ltd. Group </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;\">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>2024 </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-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 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></tr>\n<tr><td class=\"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;\">46 </td><td 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\" 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 format-highlight\" 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-left-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top 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></tr>\n<tr><td class=\"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 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;\">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 format-highlight zero-dash\" style=\"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></tr>\n<tr><td class=\"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;\">39 </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;\">22 </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;\">61 </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;\">2 </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;\">78 </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;\">80 </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:16%;\"/><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 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-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Aegon Ltd. Group </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;\">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\" 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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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\" 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></tr>\n<tr><td class=\"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;\">44 </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-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;\">49 </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;\">140 </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-right-1 border-top-1\" 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\" 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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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\" 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></tr>\n<tr><td class=\"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;\">75 </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;\">12 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-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-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-top-1 zero-dash\" style=\"text-align: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;\">35 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">36 </td></tr></tbody></table> <br/>\n<p>No provisions for impairments have been recognised on the loans and receivables for the years 2024 and 2023. </p>\n<div class=\"header header-3\">Aegon Ltd. group </div>\n<p>Aegon Ltd. has an exclusive right until 4 July 2028 to nominate up to two members of the Supervisory Board (if Aegon Ltd. holds more than 20% of the shares it may nominate two members, if it holds 20% or less but more than 10% of the shares it may nominate one member). In addition, Aegon Ltd. has the right to designate its nominees for the Audit and Risk Committee and the ESG Committee if certain conditions are met. Furthermore, in case the incumbent CEO of a.s.r. does not serve the full term due to earlier resignation or dismissal, the appointment of the successor requires the unanimous vote of all Supervisory Directors in office. </p>\n<p>Transitional service agreements (TSAs) safeguard the availability of services between a.s.r. and Aegon Ltd. group (including its subsidiaries), during the integration of the Aegon entities obtained with the business combination of 2023, such as IT infrastructure and asset management services. Prices are determined on an at arm\u2019s length basis. To ensure full disentanglement from the Aegon Ltd. group over the integration period, strict timelines and a strong governance have been put in place. The amounts outstanding are unsecured and will be settled in cash. No guarantees have been given or received. </p>\n<p>The DB obligation of former Aegon NL classifies as multiple-employer contract. For more information, see <a href=\"#n2749404\" title=\"Post-employment benefits pensions\">section 7.5.15.1</a>. </p>\n<p>In 2024, a.s.r. paid \u20ac\u00a0188 million dividend to Aegon Ltd. (2023: \u20ac\u00a068 million). </p>\n<div class=\"header header-3\">Key management personnel </div>\n<p>The remuneration of the key management personnel is disclosed in <a href=\"#n2747672\" title=\"Key management personnel remuneration\">section 7.7.5</a>. </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\u00a02,282 thousand (2023: \u20ac\u00a02,413 thousand). 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 2.44% (2023: 2.45%). In 2024, the mortgage loans of MB-members were settled for an amount of \u20ac\u00a0131 thousand (2023: \u20ac\u00a089 thousand). The Supervisory Board (SB) has no mortgage loans. </p>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-731": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747647\"><span class=\"number\">7.7.4 </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 at arm\u2019s length transactions. </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><li>\n<p>Aegon Ltd. and its group companies (since Aegon Ltd. has significant influence over a.s.r.). </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:16%;\"/><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 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-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Aegon Ltd. Group </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;\">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>2024 </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-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 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></tr>\n<tr><td class=\"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;\">46 </td><td 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\" 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 format-highlight\" 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-left-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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-4 endCol-4 valign-top 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></tr>\n<tr><td class=\"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 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;\">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 format-highlight zero-dash\" style=\"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></tr>\n<tr><td class=\"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;\">39 </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;\">22 </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;\">61 </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;\">2 </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;\">78 </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;\">80 </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:16%;\"/><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 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-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\">Aegon Ltd. Group </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;\">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\" 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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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\" 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></tr>\n<tr><td class=\"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;\">44 </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-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;\">49 </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;\">140 </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-right-1 border-top-1\" 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\" 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></tr>\n<tr class=\"cBold\"><td class=\"startCol-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\" 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></tr>\n<tr><td class=\"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;\">75 </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;\">12 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-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-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-top-1 zero-dash\" style=\"text-align: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;\">35 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">36 </td></tr></tbody></table> <br/>\n<p>No provisions for impairments have been recognised on the loans and receivables for the years 2024 and 2023. </p>\n<div class=\"header header-3\">Aegon Ltd. group </div>\n<p>Aegon Ltd. has an exclusive right until 4 July 2028 to nominate up to two members of the Supervisory Board (if Aegon Ltd. holds more than 20% of the shares it may nominate two members, if it holds 20% or less but more than 10% of the shares it may nominate one member). In addition, Aegon Ltd. has the right to designate its nominees for the Audit and Risk Committee and the ESG Committee if certain conditions are met. Furthermore, in case the incumbent CEO of a.s.r. does not serve the full term due to earlier resignation or dismissal, the appointment of the successor requires the unanimous vote of all Supervisory Directors in office. </p>\n<p>Transitional service agreements (TSAs) safeguard the availability of services between a.s.r. and Aegon Ltd. group (including its subsidiaries), during the integration of the Aegon entities obtained with the business combination of 2023, such as IT infrastructure and asset management services. Prices are determined on an at arm\u2019s length basis. To ensure full disentanglement from the Aegon Ltd. group over the integration period, strict timelines and a strong governance have been put in place. The amounts outstanding are unsecured and will be settled in cash. No guarantees have been given or received. </p>\n<p>The DB obligation of former Aegon NL classifies as multiple-employer contract. For more information, see <a href=\"#n2749404\" title=\"Post-employment benefits pensions\">section 7.5.15.1</a>. </p>\n<p>In 2024, a.s.r. paid \u20ac\u00a0188 million dividend to Aegon Ltd. (2023: \u20ac\u00a068 million). </p>\n<div class=\"header header-3\">Key management personnel </div>\n<p>The remuneration of the key management personnel is disclosed in <a href=\"#n2747672\" title=\"Key management personnel remuneration\">section 7.7.5</a>. </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\u00a02,282 thousand (2023: \u20ac\u00a02,413 thousand). 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 2.44% (2023: 2.45%). In 2024, the mortgage loans of MB-members were settled for an amount of \u20ac\u00a0131 thousand (2023: \u20ac\u00a089 thousand). The Supervisory Board (SB) has no mortgage loans. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747672\"><span class=\"number\">7.7.5 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the MB and SB is disclosed in the remuneration report; see <a href=\"#n2743997\" title=\"Remuneration report\">section 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:19.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.7%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.6%;\"/><col style=\"width:10.5%;\"/><col style=\"width:8.6%;\"/><col style=\"width:7.6%;\"/></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 </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;\">SB<sup class=\"footnote cShowTooltip\" title=\"H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB.\">1 </sup></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 2024 </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;\">Executive board </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;\">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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed COO Life and member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">2 </sup></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;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. The remuneration figures reflect a partial year as a member of the BEC.\">3 </sup></th><th class=\"startCol-9 endCol-9 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.\">4 </sup></th><th class=\"startCol-10 endCol-10 valign-bottom 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></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-right-1 border-top-1 format-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\" 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-right-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-left-1 border-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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,987 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </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;\">413 </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;\">4,792 </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;\">2,635 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,145 </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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">713 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </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;\">858 </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;\">323 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">389 </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-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;\">115 </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;\">115 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </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;\">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.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-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-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-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-top-1\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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><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-right-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\" 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><td class=\"startCol-8 endCol-8 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </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\" 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 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Extraordinary items<sup class=\"footnote cShowTooltip\" title=\"In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees).\">6 </sup></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;\">51 </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;\">51 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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 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;\">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.\">7 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">785 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">342 </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;\">1,127 </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;\">525 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">976 </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-top-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\" 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-right-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-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>4,567 </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>2,007 </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>527 </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>7,101 </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>3,547 </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>940 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB. </li><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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed 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. 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> In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees). </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 2024. In 2023, a.s.r. revised the 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 2,004 shares (2023: 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\u00a036.57 (2023: \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 January to December 2024 (2023: July to December), 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. No discount is provided on life insurance products. </p>\n<div class=\"tanPageBreak newPage\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2747691\"><span class=\"number\">7.7.6 </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=\"#n2747672\" title=\"Key management personnel remuneration\">section 7.7.5. </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=\"#n2749018\" title=\"Treasury shares\">section 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 268 thousand for an amount of \u20ac\u00a09 million (2023: 159 thousand for an amount of \u20ac\u00a05 million). </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-732": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747672\"><span class=\"number\">7.7.5 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the MB and SB is disclosed in the remuneration report; see <a href=\"#n2743997\" title=\"Remuneration report\">section 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:19.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.7%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.6%;\"/><col style=\"width:10.5%;\"/><col style=\"width:8.6%;\"/><col style=\"width:7.6%;\"/></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 </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;\">SB<sup class=\"footnote cShowTooltip\" title=\"H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB.\">1 </sup></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 2024 </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;\">Executive board </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;\">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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed COO Life and member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">2 </sup></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;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. The remuneration figures reflect a partial year as a member of the BEC.\">3 </sup></th><th class=\"startCol-9 endCol-9 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.\">4 </sup></th><th class=\"startCol-10 endCol-10 valign-bottom 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></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-right-1 border-top-1 format-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\" 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-right-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-left-1 border-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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,987 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </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;\">413 </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;\">4,792 </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;\">2,635 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,145 </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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">713 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </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;\">858 </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;\">323 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">389 </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-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;\">115 </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;\">115 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </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;\">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.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-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-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-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-top-1\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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><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-right-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\" 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><td class=\"startCol-8 endCol-8 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </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\" 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 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Extraordinary items<sup class=\"footnote cShowTooltip\" title=\"In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees).\">6 </sup></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;\">51 </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;\">51 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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 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;\">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.\">7 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">785 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">342 </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;\">1,127 </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;\">525 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">976 </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-top-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\" 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-right-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-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>4,567 </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>2,007 </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>527 </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>7,101 </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>3,547 </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>940 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB. </li><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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed 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. 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> In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees). </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 2024. In 2023, a.s.r. revised the 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 2,004 shares (2023: 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\u00a036.57 (2023: \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 January to December 2024 (2023: July to December), 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. No discount is provided on life insurance products. </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-734": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747672\"><span class=\"number\">7.7.5 </span><span class=\"title-text\">Key management personnel remuneration </span></h1>\n<p>Transactions with key management personnel (MB members and SB) are transactions with related parties. Additional information on the remuneration of members of the MB and SB is disclosed in the remuneration report; see <a href=\"#n2743997\" title=\"Remuneration report\">section 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:19.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.7%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:8.6%;\"/><col style=\"width:9.6%;\"/><col style=\"width:10.5%;\"/><col style=\"width:8.6%;\"/><col style=\"width:7.6%;\"/></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 </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;\">SB<sup class=\"footnote cShowTooltip\" title=\"H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB.\">1 </sup></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 2024 </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;\">Executive board </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;\">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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed COO Life and member of the MB of a.s.r. on 4 July 2023. The remuneration figures for 2023 reflect a partial year.\">2 </sup></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;\">BEC members<sup class=\"footnote cShowTooltip\" title=\"One director left the BEC in 2023. The remuneration figures reflect a partial year as a member of the BEC.\">3 </sup></th><th class=\"startCol-9 endCol-9 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.\">4 </sup></th><th class=\"startCol-10 endCol-10 valign-bottom 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></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-right-1 border-top-1 format-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\" 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-right-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-left-1 border-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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,987 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,392 </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;\">413 </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;\">4,792 </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;\">2,635 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">717 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,510 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">283 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">5,145 </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-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">713 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">145 </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;\">858 </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;\">323 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">66 </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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">389 </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-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;\">115 </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;\">115 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">100 </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;\">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.\">5 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-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-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-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-top-1\" style=\"text-align:right;vertical-align:bottom;\">63 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">36 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">109 </td><td class=\"startCol-9 endCol-9 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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><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-right-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\" 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><td class=\"startCol-8 endCol-8 valign-top border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-9 endCol-9 valign-top border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Other </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\" 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 border-right-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-10 endCol-10 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-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Extraordinary items<sup class=\"footnote cShowTooltip\" title=\"In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees).\">6 </sup></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;\">51 </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;\">51 </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><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><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;\">- </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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 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;\">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.\">7 </sup></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">785 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">342 </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;\">1,127 </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;\">525 </td><td class=\"startCol-7 endCol-7 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">120 </td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">330 </td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1 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\" style=\"text-align:right;vertical-align:bottom;\">976 </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-top-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\" 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-right-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-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>4,567 </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>2,007 </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>527 </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>7,101 </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>3,547 </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>940 </b></td><td class=\"startCol-8 endCol-8 valign-bottom align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>1,949 </b></td><td class=\"startCol-9 endCol-9 valign-bottom align-right border-bottom-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>382 </b></td><td class=\"startCol-10 endCol-10 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\"><b>6,818 </b></td></tr></tbody></table><ol class=\"footnotes width-50\"><li> H. Hintzen left the SB as of 29 May 2024. B. Elfring was appointed as member of the SB of a.s.r. and as a committee member of the SB of a.s.r. on 29 May 2024. The remuneration figures reflect a partial year as member of the SB. </li><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 CRO and member of the MB of a.s.r. on 4 July 2023. W. van den Berg was appointed 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. 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> In 2024, based on existing rights before the Aegon NL transaction, a number of Aegon Ltd. shares were settled in cash to MB members (former Aegon Ltd. employees). </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 2024. In 2023, a.s.r. revised the 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 2,004 shares (2023: 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\u00a036.57 (2023: \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 January to December 2024 (2023: July to December), 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. No discount is provided on life insurance products. </p>\n<div class=\"tanPageBreak newPage\"> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-737": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747711\"><span class=\"number\">7.7.7 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747747\"><span class=\"number\">7.7.7.1 </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=\"#n2749117\" title=\"Insurance contract liabilities and reinsurance contract assets\">section 7.5.13</a>) and legal provisions (see <a href=\"#n2749490\" title=\"Provisions\">section 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>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 defence 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=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747768\"><span class=\"number\">7.7.7.2 </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 feel they did not receive sufficient compensation based on the compensation arrangements. </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 / ConsumentenClaim </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<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 affiliate with a consumer protection organisation for distressing cases that are assessed on their merits. On 19 February 2025 it was announced that the agreement that was reached in November 2023 with the five customer protection groups is final. More than 90% of the affiliated customers have accepted a personal offer. All existing collective proceedings against a.s.r. will be withdrawn once the settlement has been fully executed. No new (collective) proceeding will be initiated by the organisations nor their individual representatives against a.s.r. See <a href=\"#n2749490\" title=\"Provisions\">section 7.5.16</a> for details. </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 law (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 in cassation. 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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747789\"><span class=\"number\">7.7.7.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>a.s.r. has entered into private loans agreements \u20ac\u00a0502 million (2023: \u20ac\u00a0492 million) and private equity agreements \u20ac\u00a0100 million (2023: \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0463 million (2023: \u20ac\u00a0337 million). </p>\n<p>a.s.r. has irrevocable facilities of \u20ac\u00a01,223 million (2023: \u20ac\u00a01,752 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\u00a074 million (2023: \u20ac\u00a018 million). </p>\n<p>Investment obligations for an amount of \u20ac\u00a0345 million (2023: \u20ac\u00a0467 million) have been assumed / issued for investment property. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2024 amounts to \u20ac\u00a017 million (2023: \u20ac\u00a087 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a03 million (2023: \u20ac\u00a015 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>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million (2023: \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>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. a.s.r. (after the business combination with Aegon NL) indemnifies and holds Aon Groep Nederland group (including UMG) harmless (until 2027) for and against any damage incurred resulting from Unit Linked Insurances claims prior to 1 January 2017 with respect to UMG\u2019s portfolio of Unit Linked Policies. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </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 advice of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2023: \u20ac\u00a013 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747729\"><span class=\"number\">7.7.7.4 </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<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-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 2024 </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 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;\">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;\">39 </td><td class=\"startCol-3 endCol-3 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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-top-1\" 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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>226 </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>224 </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:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-738": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747711\"><span class=\"number\">7.7.7 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747747\"><span class=\"number\">7.7.7.1 </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=\"#n2749117\" title=\"Insurance contract liabilities and reinsurance contract assets\">section 7.5.13</a>) and legal provisions (see <a href=\"#n2749490\" title=\"Provisions\">section 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>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 defence 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=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747768\"><span class=\"number\">7.7.7.2 </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 feel they did not receive sufficient compensation based on the compensation arrangements. </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 / ConsumentenClaim </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<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 affiliate with a consumer protection organisation for distressing cases that are assessed on their merits. On 19 February 2025 it was announced that the agreement that was reached in November 2023 with the five customer protection groups is final. More than 90% of the affiliated customers have accepted a personal offer. All existing collective proceedings against a.s.r. will be withdrawn once the settlement has been fully executed. No new (collective) proceeding will be initiated by the organisations nor their individual representatives against a.s.r. See <a href=\"#n2749490\" title=\"Provisions\">section 7.5.16</a> for details. </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 law (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 in cassation. 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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747789\"><span class=\"number\">7.7.7.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>a.s.r. has entered into private loans agreements \u20ac\u00a0502 million (2023: \u20ac\u00a0492 million) and private equity agreements \u20ac\u00a0100 million (2023: \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0463 million (2023: \u20ac\u00a0337 million). </p>\n<p>a.s.r. has irrevocable facilities of \u20ac\u00a01,223 million (2023: \u20ac\u00a01,752 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\u00a074 million (2023: \u20ac\u00a018 million). </p>\n<p>Investment obligations for an amount of \u20ac\u00a0345 million (2023: \u20ac\u00a0467 million) have been assumed / issued for investment property. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2024 amounts to \u20ac\u00a017 million (2023: \u20ac\u00a087 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a03 million (2023: \u20ac\u00a015 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>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million (2023: \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>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. a.s.r. (after the business combination with Aegon NL) indemnifies and holds Aon Groep Nederland group (including UMG) harmless (until 2027) for and against any damage incurred resulting from Unit Linked Insurances claims prior to 1 January 2017 with respect to UMG\u2019s portfolio of Unit Linked Policies. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </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 advice of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2023: \u20ac\u00a013 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747729\"><span class=\"number\">7.7.7.4 </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<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-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 2024 </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 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;\">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;\">39 </td><td class=\"startCol-3 endCol-3 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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-top-1\" 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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>226 </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>224 </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:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-739": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747711\"><span class=\"number\">7.7.7 </span><span class=\"title-text\">Contingent liabilities and assets </span></h1>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747747\"><span class=\"number\">7.7.7.1 </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=\"#n2749117\" title=\"Insurance contract liabilities and reinsurance contract assets\">section 7.5.13</a>) and legal provisions (see <a href=\"#n2749490\" title=\"Provisions\">section 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>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 defence 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=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">section 7.7.7.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747768\"><span class=\"number\">7.7.7.2 </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 feel they did not receive sufficient compensation based on the compensation arrangements. </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 / ConsumentenClaim </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<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 affiliate with a consumer protection organisation for distressing cases that are assessed on their merits. On 19 February 2025 it was announced that the agreement that was reached in November 2023 with the five customer protection groups is final. More than 90% of the affiliated customers have accepted a personal offer. All existing collective proceedings against a.s.r. will be withdrawn once the settlement has been fully executed. No new (collective) proceeding will be initiated by the organisations nor their individual representatives against a.s.r. See <a href=\"#n2749490\" title=\"Provisions\">section 7.5.16</a> for details. </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 law (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 in cassation. 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<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747789\"><span class=\"number\">7.7.7.3 </span><span class=\"title-text\">Obligations and guarantees </span></h1>\n<p>a.s.r. has entered into private loans agreements \u20ac\u00a0502 million (2023: \u20ac\u00a0492 million) and private equity agreements \u20ac\u00a0100 million (2023: \u20ac\u00a0100 million). Other commitments mainly consist of future purchases of interests in investment funds and amounts to \u20ac\u00a0463 million (2023: \u20ac\u00a0337 million). </p>\n<p>a.s.r. has irrevocable facilities of \u20ac\u00a01,223 million (2023: \u20ac\u00a01,752 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\u00a074 million (2023: \u20ac\u00a018 million). </p>\n<p>Investment obligations for an amount of \u20ac\u00a0345 million (2023: \u20ac\u00a0467 million) have been assumed / issued for investment property. </p>\n<p>The sale of real estate which relates to properties that are under contract to be sold as per 31 December 2024 amounts to \u20ac\u00a017 million (2023: \u20ac\u00a087 million). Real estate commitments represent the committed pipeline of investments in real estate projects. </p>\n<p>Investment obligations and guarantees for a total amount of \u20ac\u00a03 million (2023: \u20ac\u00a015 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>The share of contingent liabilities incurred in relation to interests in joint ventures amounts to \u20ac\u00a014 million (2023: \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>In October 2017, Aegon NL sold its shares in Unirobe Mee\u00f9s Groep (UMG) for \u20ac\u00a0295 million to Aon Groep Nederland. a.s.r. (after the business combination with Aegon NL) indemnifies and holds Aon Groep Nederland group (including UMG) harmless (until 2027) for and against any damage incurred resulting from Unit Linked Insurances claims prior to 1 January 2017 with respect to UMG\u2019s portfolio of Unit Linked Policies. The aggregate liability for a.s.r. is maximised at an amount equal to the purchase price. </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 advice of the guarantee fund a.s.r.'s contingent liability is \u20ac\u00a013 million (2023: \u20ac\u00a013 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747729\"><span class=\"number\">7.7.7.4 </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<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-bottom border-bottom-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\">\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 2024 </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 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;\">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;\">39 </td><td class=\"startCol-3 endCol-3 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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-top-1\" 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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">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;\">15 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-1 border-right-1 border-top-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;\">98 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">97 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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 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>226 </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>224 </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:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-742": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747452\"><span class=\"number\">7.7.8 </span><span class=\"title-text\">Events after the balance sheet date </span></h1>\n<p>On 30 January 2025, a.s.r. closed a transaction under the Dutch Delphinus programme to sell Class A mortgage backed securities (RMBS). \u2018Delphinus 2025-I\u2019 consisted of a principal amount of \u20ac\u00a0500 million of class A notes. </p>\n<p>In February 2025, the settlement agreement between a.s.r. and the five consumer protection organisations (see <a href=\"#n2749490\" title=\"Provisions\">section 7.5.16</a> and section <a href=\"#n2747768\" title=\"Pending litigation portfolio and product-related issues\">7.7.7.2</a>) became effective, given that more than 90% of the affiliated customers of these organisations have accepted the terms and conditions. All collective proceedings of these five consumer protection organisations against Aegon NL and a.s.r. have been terminated.\u00a0 a.s.r. will proceed with the implementation of an individual arrangement for special cases (for unaffiliated customers that have not previously received compensation). </p>\n<p>On 19 February 2025, a.s.r. has announced a share buyback of \u20ac\u00a0125 million starting on 20 February 2025, which is expected to be completed before 20 May 2025. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-474": {
   "value": "409000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-746": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747841\"><span class=\"number\">7.8.1 </span><span class=\"title-text\">Risk management system </span></h1>\n<p>It is of great importance to a.s.r. that risks within all business segments are timely and adequately controlled. In order to do so, a.s.r. implemented a RM framework based on internationally recognised and accepted standards (such as COSO ERM and ISO 31000 RM principles and guidelines). Using this framework, material risks that a.s.r. is, or can be, exposed to, are identified, measured, managed, monitored, reported and evaluated. The RM framework is both applicable to a.s.r. group and the underlying (legal) business entities. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747894\"><span class=\"number\">7.8.1.1 </span><span class=\"title-text\">Risk Management Framework </span></h1>\n<p>The figure shows the RM framework as applied by a.s.r. </p>\n<div class=\"figure-container\" style=\"width:33%\"><img alt=\"\" class=\"figure\" 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\" style=\"width:311px;\"/>\n</div>\n<div class=\"header header-2\">Risk Management framework </div>\n<p>The RM framework consists of risk strategy (including risk appetite), risk governance, systems and data, risk policies and procedures, risk culture, and RM process. The RM framework contributes to achieving the strategic, tactical and operational objectives as set out by a.s.r. The overall effectiveness of the RM framework is evaluated as part of the regular internal review of the system of governance. </p>\n<div class=\"header header-2\">Risk strategy (incl. risk appetite) </div>\n<p>Risk strategy is defined to contain at least the following elements: </p><ul><li>\n<p>Strategic, tactical and operational objectives that are pursued; </p></li><li>\n<p>The risk appetite in pursuit of those strategic, tactical and operational objectives. </p></li></ul>\n<p>a.s.r.\u2019s risk strategy aims to ensure that decisions are made within the boundaries of the risk appetite, as stipulated annually by the EB and the MB (see chapter Risk strategy and risk appetite). </p>\n<div class=\"header header-2\">Risk governance </div>\n<p>Risk governance can be seen as the way in which risks are managed, through a sound risk governance structure and clear tasks and responsibilities, including risk ownership. a.s.r. employs a risk governance framework that entails the tasks and responsibilities of the Risk Management organisation and the structure of the Risk committees (see chapter Risk governance). </p>\n<div class=\"header header-2\">Systems and data </div>\n<p>Systems and data support the RM process and provide management information to the risk committees and other relevant bodies. a.s.r. finds it very important to have qualitatively adequate data, models and systems in place, in order to be able to report and steer correct figures and to apply risk-mitigating measures timely. To ensure this, a.s.r. has designed a policy for data quality and model validation in line with Solvency II. Tools, models and systems are implemented to support the RM process by giving guidance to and insights into the key risk indicators, risk tolerance levels, boundaries and actions, and remediation plans to mitigate risks (see chapter Systems and data). </p>\n<div class=\"header header-2\">Risk policies and procedures: </div>\n<p>Risk policies and procedures are part of the a.s.r. policy house. Policy documents are submitted for approval to the relevant (risk) committee in accordance with the applicable governance. Policies are evaluated annually, tested against internal and external market developments, and changes in laws and regulations, and updated as necessary in accordance with the governance defined in the policy. </p>\n<p>Each risk policy must include at least: </p><ul><li>\n<p>The scope within a.s.r. to which the policy applies. </p></li><li>\n<p>A demonstrable and consistent link with relevant laws and regulations and/or strategy. </p></li><li>\n<p>Key requirements to achieve the policy\u2019s objectives. </p></li><li>\n<p>The risk categories to which the policy line applies </p></li><li>\n<p>Description of the method for controlling the risk. </p></li><li>\n<p>Specific risk tolerances and limits within the relevant risk categories in accordance with the risk appetite statements. </p></li><li>\n<p>The frequency and content of regular stress tests and the circumstances that would justify ad-hoc stress tests. </p></li><li>\n<p>The processes and reporting procedures applied. </p></li><li>\n<p>Exceptions and Escalations. </p></li></ul>\n<p>The classification of risks within a.s.r. is performed in line with, but is not limited to, the Solvency II risks. Each risk category consists of one or more policies or procedures that explicates how risks are identified, measured and controlled within a.s.r. (see chapter Risk policies and procedures). </p>\n<div class=\"header header-2\">Risk culture </div>\n<p>An effective risk culture is one that enables and rewards individuals and groups for taking risks in an informed manner. It is a term describing the values, beliefs, knowledge, attitudes and understanding about risk. All the elements of the RM framework combined make an effective risk culture. </p>\n<p>Within a.s.r. risk culture is an important element that emphasises the human side of Risk Management. The MB has a distinguished role in expressing the appropriate norms and values (tone at the top). a.s.r. employs several measures to increase the risk awareness and, in doing so, the risk culture (see chapter Risk culture). </p>\n<div class=\"header header-2\">Risk management process </div>\n<p>The RM process contains all activities within the RM processes to structurally 1) identify risks; 2) measure risks; 3) manage risks; 4) monitor and report on risks; and 5) evaluate the risk profile and RM framework. At a.s.r., the RM process is used to implement the risk strategy in the steps mentioned. These five steps are applicable to the risks within the company to be managed effectively (see chapter Risk Management process). </p>\n<p>Based on the integration of Aegon NL, the beneficial elements from Aegon\u2019s Risk Management (RM) framework are incorporated into the a.s.r. RM framework. The main developments in 2024 include the integration and refinement of risk appetite, risk management policies and procedures, control frameworks and reports, as well as the redesign and standardisation of the Governance, Risk, and Compliance (GRC) tooling Cerrix. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749555\"><span class=\"number\">7.8.1.1.1 </span><span class=\"title-text\">Risk management strategy and risk appetite </span></h1>\n<p>a.s.r.\u2019s risk strategy aims to ensure that decisions are made within the boundaries of the risk appetite, as stipulated annually by the EB and the MB. </p>\n<p>Risk appetite is defined as the level and type of risk a.s.r. is willing to bear in order to meet its strategic, tactical and operational objectives. The risk appetite is formulated to give direction to the management of the (strategic) risks. The risk appetite contains a number of qualitative and quantitative risk appetite statements and is defined for both financial (FR) and non-financial risks (NFR). The statements highlight the risk preferences and limits of the organisation and are viewed as key elements for the realisation of the strategy. The statements and limits are defined at both group level and at legal entity level and are determined by the a.s.r. risk committee and approved by the SB. </p>\n<p>The statements are evaluated yearly to maintain alignment with the strategy. Since 2024, we have adopted a new, more detailed taxonomy for non-financial risks consisting of two levels. This means that in each risk report, risk colours are assigned to both level 1 risks and level 2 risks. The risk taxonomy at level 1 has remained largely the same, however the number of risk categories at this level (generic level) has changed from 8 to 6. The risk categories \"Sustainability\" and \"Outsourcing\" have been moved to level 2. The level 2 risk categories have been introduced. This second level provides more depth and substantiation of the \u2018main categories\u2019 (19 risks in total). </p>\n<p>The NFR statements have not changed compared to 2023. The year 2024 focused on data collection and reporting of non-financial risks according to the new taxonomy. FR statements have not been changed at a.s.r. group level. </p>\n<h3 class=\"table-title\">Risk appetite statement ASR Nederland N.V. 2024 </h3>\n<table class=\"iTableCoreData none\" style=\"font-size:100%;\"><colgroup><col style=\"width:7%;\"/><col style=\"width:84%;\"/><col style=\"width:9%;\"/></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 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 border-bottom-1 border-left-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 align-left border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">1a </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. places long-term value creation at the forefront of its (strategic) operations and ensures that all stakeholders\u2019 interests (customer, society, employee, investors) are met in a balanced and sustainable way. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">1b </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. acts in accordance with the a.s.r. sustainability objectives and sufficiently manages its sustainability risks. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">1c </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. provides customers with a digital environment that handles matters easily and quickly, whereby the customer data quality is in order. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">2a </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has effective and controlled (business) processes. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">2b </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. manages its internal and external outsourcing in a controlled and effective manner. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">3 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. processes information safely (in accordance with availability, confidentiality and integrity requirements) and is cyber threat resilient. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">4 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has controlled projects (in terms of timeliness, budget and/ or quality). </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">5a </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has reliable financial reports, whereby IFRS and Solvency II data quality is in order. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">5b </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. maintains a moderate risk appetite for losses resulting from modelling incidents, including events such as flawed and/or inadequately documented methods, model design and development, assumptions and expert judgment; poor data quality; coding errors; inappropriate use of models; or misinterpretation of model results. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">6a </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. meets the legitimate expectations and interests of its stakeholders and puts customer interests first in its proposition. a.s.r. therefore offers products and services that are cost-efficient, useful, safe and understandable for customers, distribution partners, society and a.s.r. By acting with integrity, a.s.r.'s reputation is protected and strengthened. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">6b </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. only wants to do business with relationships who are honest and reliable. a.s.r. therefore does not enter into or continue a business relationship with parties involved in crimes, socially undesirable acts and/or unethical behavior, including money laundering and terrorist financing. a.s.r. takes appropriate measures to guarantee its sound and controlled business operations and thus protect and strengthen its reputation. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">6c </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. handles personal data with care, including those of its customers. a.s.r. processes personal data lawfully, fairly and transparently, taking into account the principles of purpose limitation, data minimization, accuracy and storage limitation and taking measures to ensure the integrity and confidentiality of personal data. By taking appropriate measures, a.s.r. maintains a sound and ethical operational management and thus protects and strengthens its reputation. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">NFR </td></tr>\n<tr><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;\">7 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has a minimum SCR ratio of 120%. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">8 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. remains within the bandwidth of periodically reassessed market risk budgets. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">9 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has at least a single A rating and therefore holds an AA rating in accordance with the S&amp;P Capital Model. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">10 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. assesses the amount of dividend payments against the current and expected future solvency ratio and economic outlook. Dividend payments are in line with the conditions laid down in the capital and dividend policy of ASR Nederland N.V. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">11 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has a maximum financial leverage ratio of 40%. Financial leverage ratio = Debt / (Debt + Equity). </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">12 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has a maximum double leverage ratio of 135%.Double leverage ratio = Total value of associates / (equity attributable to shareholders + hybrids and subordinated liabilities). </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">13 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has a minimum interest coverage ratio of 4. Interest coverage ratio = EBIT operational / interest expense. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">14 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">a. ASR Nederland N.V. is capable of releasing liquidities worth up to \u20ac\u00a02 billion over a 1-month period following stress. <br/>b. ASR Nederland N.V. remains capable of meeting its collateral requirements in the event of an (instant) increase of 3% interest rate. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">15 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. generates a robust and high-quality operational ROE, i.e. pursues an overall ROE &gt; 12% and seeks an ROE &gt; 10% for individual investment decisions, where in exceptional cases an ROE &gt; 8% is accepted. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">16 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. (excl. ASR Ziektekosten) has a maximum combined ratio of 99%. <br/>The management target is 96%. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr>\n<tr><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;\">17 </td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">ASR Nederland N.V. has a total SCR market risk which will be a maximum of 50% of the total risk. </td><td class=\"startCol-3 endCol-3 valign-top border-bottom-1 border-left-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">FR </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749556\"><span class=\"number\">7.8.1.1.2 </span><span class=\"title-text\">Risk governance </span></h1>\n<p>a.s.r.\u2019s risk governance can be described by: </p><ul><li>\n<p>risk ownership; </p></li><li>\n<p>the implemented three lines model and associated (clear delimitation of) tasks and responsibilities of key function holders; and </p></li><li>\n<p>the risk committee structure to ensure adequate decision making. </p></li></ul>\n<div class=\"header header-2\">Risk ownership </div>\n<p>The EB has the final responsibility for risk exposures and management within the organisation. Part of the responsibilities have been delegated to persons that manage the divisions where the actual risk-taking takes place. Risk owners are accountable for one or more risk exposures that are inextricably linked to the department or product line they are responsible for. Through the risk committee structure, risk owners provide accountability for the risk exposures. </p>\n<div class=\"header header-2\">Three lines model </div>\n<p>The risk governance structure is based on the \u2018three lines\u2019 model. The three lines model consists of three lines with different responsibilities with respect to the ownership of controlling risks. The table below provides insight in the organisation of the three lines model within a.s.r. </p>\n<div class=\"figure-container\" style=\"width:50%\"><img alt=\"\" class=\"figure\" 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\" style=\"width:960px;\"/>\n</div>\n<div class=\"header header-3\">Positioning of key functions </div>\n<p>Within the risk governance, the key functions (compliance, risk, actuarial and audit) are organised in accordance with Solvency II regulation. They play an important role as countervailing power of management in the decision-making process. The four key functions are independently positioned within a.s.r. In all the risk committees one or more key functions participate. The second line report to the CRO, which is a member of the management board. All key functions have direct communication lines with the EB and can escalate to the chairman of the Audit &amp; Risk Committee of the SB. Furthermore, the key functions have regular meetings with the supervisors of the Dutch Central Bank (DNB) and / or The Dutch Authority for the Financial Markets (AFM). </p>\n<div class=\"header header-3\">Group Risk Management </div>\n<p>GRM is responsible for the execution of the RM function (RMF) and the Actuarial Function (AF). The department is led by the RMF holder. At year-end GRM consists of the following four sub-departments: </p><ul><li>\n<p>Operational Risk Management; </p></li><li>\n<p>Financial Risk Management; </p></li><li>\n<p>Model Validation; </p></li><li>\n<p>Methodology. </p></li></ul>\n<div class=\"header header-3\">Operational Risk Management </div>\n<p>Operational Risk Management (ORM) is responsible for second-line strategic and operational (including IT) RM and the enhancement of the risk awareness for a.s.r. and its subsidiaries. The responsibilities of ORM include the development of risk policies and procedures, the annual review and update of the risk strategy (risk appetite), the coordination of the SRA process leading to the risk priorities and emerging risks and Own Risk and Solvency Assessment (hereafter: ORSA) scenarios and the monitoring of the non-financial risk profile. For the management of operational risks, a.s.r. has a solid Risk-Control framework in place that contributes to its long-term solidity. The quality of the framework is continuously enhanced by the analysis of operational incidents, periodic risk assessments and monitoring by the RMF. ORM actively promotes risk awareness at all levels to contribute to the vision of staying a socially relevant insurer. </p>\n<div class=\"header header-3\">Financial Risk Management </div>\n<p>Financial Risk Management (FRM) is responsible for the second line financial RM and supports both the AF and RMF. An important task of FRM is to be the countervailing power to the EB and management in managing financial risks for a.s.r. and its subsidiaries. FRM assesses the accuracy and reliability of the market risk, counterparty risk, insurance risk and liquidity risk, risk margin and best estimate liability. As part of the AF, FRM reviews the technical provisions, monitors methodologies, assumptions and models used in these calculations, and assesses the adequacy and quality of data used in the calculations. Furthermore, the AF expresses an opinion on the underwriting policy and determines if risks related to the profitability of new products are sufficiently addressed in the product development process. The AF also expresses an opinion on the adequacy of reinsurance arrangements. Other responsibilities of financial RM are e.g. support monitoring Solvency II compliancy (e.g. changes in Solvency II regulation), updating policies on valuation and risk, activities related to the DNB, assessment of the ORSA (financial parts), assessment of strategic initiatives. </p>\n<div class=\"header header-3\">Model Validation </div>\n<p>Model Validation (MV) is responsible for performing validation activities or having them carried out in accordance with the drawn up annual model validation plan. MV is responsible for supervising compliance with the model validation policy, discussing and challenging the (draft) validation reports and advising the Model Committee. The MV is a separate sub-department within GRM. The MV is part of the RMF and operates independent of the AF. </p>\n<div class=\"header header-3\">Methodology </div>\n<p>Methodology is responsible for establishing methodologies for Partial Internal Model (hereafter: PIM). The Methodology department is responsible for setting up the internal model, including documentation and maintenance of the documentation. It also handles continuous education by: (1) updating training materials; (2) providing training sessions; (3) assessing the suitability of training levels. Additionally, it analyses the functioning of the internal model, periodically calibrates the internal model parameters, monitors the suitability of the internal model, and conducts annual comparisons of PIM and SF results. </p>\n<div class=\"header header-3\">Compliance </div>\n<p>The responsibilities of Compliance include the development of compliance policies and procedures, the annual review and update of the compliance risk strategy (risk appetite) and the monitoring of the non-financial risk profile concerning compliance risks. An important task of Compliance is to be the countervailing power to the EB and other management in managing compliance risks for a.s.r. and its subsidiaries. The mission of the compliance function is to enhance and ensure a controlled and sound business operation. </p>\n<p>As second line, Compliance encourages the organisation to comply with relevant rules and regulations, ethical standards and the internal standards derived from them (\u2018rules\u2019) by providing advice and formulating policies. Compliance supports the first line in the identification of compliance risks and assesses the effectiveness of RM on which Compliance reports to the relevant risk committees. In doing so, Compliance uses a compliance risk and monitoring framework. In line with RM, Compliance also creates further awareness to comply with the rules and desired ethical behaviour. Compliance coordinates interaction with regulators in order to maintain effective and transparent relationships with those authorities. </p>\n<div class=\"header header-3\">Audit </div>\n<p>The Audit department, the third line, provides an independent opinion on governance, risk and management processes, with the goal of supporting the EB and other management of a.s.r. in achieving the corporate objectives. To that end, Audit evaluates the effectiveness of governance, risk and management processes, and provides pragmatic advice that can be implemented to further optimise these processes. In addition, senior management can engage Audit for specific advisory projects. </p>\n<div class=\"header header-3\">Risk committee structure </div>\n<p>a.s.r. has established a structure of risk committees with the objective to monitor the risk profile for a.s.r. group, its legal entities and its business lines in order to ensure that it remains within the risk appetite and the underlying risk tolerances and risk limits. When triggers are hit or likely to be hit, risk committees make decisions regarding measures to be taken, being risk-mitigating measures or measures regarding governance, such as the frequency of their meetings. For each of the risk committees a statute is drawn up in which the tasks, composition and responsibilities of the committee are defined. In the first half of 2024 the committee structure was further rationalised, which led to the elimination of the separate committees for Aegon entities. </p>\n<div class=\"figure-container\" style=\"width:50%\"><img alt=\"\" class=\"figure\" src=\"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAXcAAAB2CAYAAAAz69PvAAAp3UlEQVR4Xu2dd5RURfbHhxwGcHN0XdeN5hxX1xwxZ0VQBBVEEBQQQUEEBgVBcs4iAiJZVAQJiogoUQVUBDMYN/z++53fqd/73N5q39zp4fUwr2c63HvO93R3vVRV79a3bt26VV1UZGJiYmJiYpL98u3TBzhD5qDr28TExKRKRJORIV7o+jYxMTGpEtFkZIgXur5NTExMqkQ0GRniha5vExMTkyoRTUaGeKHr28TExKRKRJNRHPh4YhPX/tJ67oYz6rpOV9Rzm4Y2LnNOXHh3RGO3e0KTMunZAl3fJiYmJlUimoziwH1XJoh9df9G7pc/quFW9GtU5py4cNaRtd3wOxuUSc8W6Po2MTExqRLRZBQHet1U3x16YC0h3bcGN3ZfTj3A9WlW383rXuye61bsHr6hvpz3wDX13ZR7G7r7g87gmc7FkrZhSGPpHPq3aCDXTb+voRtwWwPX47r6bmrHhnLN/OA+fC58uJF8vtS7kft6+gHuseAanj3m7oZyr1ldi13Hy+u5aZ0Sv3nuoNsbyHGuG922oZvROXGvd0ZkZnSh69vExMSkSkSTURzYMy1B8Kf8tbY7oGEN9/KjjYTAIVrI/ieNash5t59X1515RG23oEex++tva4qFf8ivaroJ7RvKufc0redmBwT9l+DYNafVcUt6Fcu1rz3eyB3405pu49DG7paz6rqS5vXd0oDgeR6Efe9l9dyLjzRyRx1cyy18qNidGqRD9Jx73tG1XbeAzK8+tY576Pr6bly7hu7swPrHlaTLEQd0fZuYmJhUiWgyigNY3VjofG9+dl3XPbC6hwVWfIdL6wnx//i/5P5oYM33vSVhxbcIzhvUqoErrl/D3fSPugLIFyL/+6G1k/e+/KQ64vLx1j8WPeT+6aQm7sYg/W/BiKHZmXXdE4GFTufgz+F8LHRGAaStHdBYOoNLTqgjHYEuQ1zQ9W1iYmJSJaLJKA60vqCu+93Pasqk6m8DC/uFXo3E/XHY72q5mwPibVC3hpvZpVjI/Q+/TJz3x1/XdDtGN3EXHZcgb0h8ZJsGcs4vflTDrXk8QcBY+Q3r1XA7xzVxe4OOAuv8+D/VElfNQT+vKecf+ftabsuwxjIa4N58vvlEY3dCcN7ph/3QUZxzVO1SHUcmoOvbxMTEpEpEk1EcWD+osdsckCs+9ref/MGXjW8cAn++Z7Ech4gfvLa+WM4fjU+4Rb6ZfoBb3qeRkDG/1wWfuFYgc38fJmr9uRwDXE8HwPcPxibO/WRiE7fo4WK367/35rnA3+f60+tIJ6PzHyd0fZuYmJhUiWgyqkpgdYOvnip7LNPAbcOooeeNCfdOpqDr28TExKRKRJORIT589+xBLpCz9gMH6/dkYmJiUiHRhFTV2DikcXIClSgWomn0ORUBoZO3nVu3THp14N/LmkLuZdIN8ULrtImJSVH1kzshiEyiEttOdAxhi/qcigDfuw+1rG4YuVcNtE6bmJgUVT+5Ayxt4tgJm2x7cSJ8kQgbYt1HtWkgE6dMihJSOfSOBhLOyMSpX5RErDrHsfyHtG5g5F5g0DptYmJSlD3kTljitQHBE+9OhA2hkUTbXHZSHfdkQNhXnJxYdDTirgayMAp3jl6UROTN+HsaSqy8fkZ1wMi9aqB12sTEpCh7yJ3FTF9MOcDVqFHkpnUqdledUkeOYbm3Or+u+1NA9u+PaSJWPDH0HAsvSmLx0raRiZBHomD0M6oDRu5VA63TJiYmRdVP7ljgEPexhyQWGGGps8vjEQfVcu0uqecODz6JTcdqZ5sAFjj9tHENmTgNL0rCRcNWBiySatwgcVw/q6ph5F410DptYmJSVP3kzoSqX4jEqlKfjhW/pFdi0ZNPYysCFj8t69NIOgW9KOnVxxrJ9sLsZcNx/ayqhpF71UDrtImJSVH1k3s+I5Pkzt44PoSUlb76uAYrdTn3s8lNZAVvuNPUeKpTQ9fl6nrJVcNhkM59GCGxAIxz2C+IzjTVYjR2Ax3cKrNbMmudNjExKTJyzyQySe6QKvMMuKj8Fsf7AlsxsPcO2ziwgdsdFybWAvBnKn7fHn/f4/5YS6KQmKjW92HCmv2CGGkxV8ImbWwRwb1TdRiTOjSUbR50epzQOm1iYlJk5J5JZJLct49q4v78m5qy4yUho6RBpOyhj1XPZDNki3vrkZvqu37N6yfJfWDLBrKPPi4u5juY2/D3ZV98Nni74NjE9slY6Xz642zL7Mmd6CbmOkjjeXQgW4cn9uNngnxlSSM3p1uxkPvE9ok99P2+P3FC67SJiUmRkXsmkUlyJ0ro6D8ktjf20UHsWc8iMKKK2BkTi5xtj+8MrHR25WQ3TsgdNwmho6wNOPkvtWTtgL/v55MTafyDFp0E5B+eC4HImzRMbMvM3vts7UyU0sG/qOneCz5Zp9D5qnqyp/6zDxQLubOGgc6CvHB/XZbKQuu0iYlJkZF7JpFJcj/tb4m/F8SCxiKHdP0e9RwnkghyZ/0Au2ySdswhtYTc2R4ZcieN1cEsGPP3xR1z10X13NP3N5T1BH5RmQfPgfD5jksHK53vWPuQOxPcFx9fR8JViViC3Dn2+58nQll1OeKA1mkTE5MiI/dM4vv5Rzr3f//bV6dXFvi9a9cqEjcMrhUsd0JCccPgg4eQf1RcQ9wgrBNgv3vWChAiCnmzUAyyZbEYi8Pwwft7Y23zF4m4XE78cy0h8rBbhr36sdwhf4idUNW5DxbL85g8xQ9/YWCltww+u15dz7UJOgryh/XOvvp+LUKc0DptYmKSx3LxwpIVOq26RJNRZQEpY7Hzf7P4ufnuQ0Kx3tl8jbBQQkdJY298sKp/I5n8fKVvYt97wlD571hv2XtwLeGmfMdvzv78/pi/lpBTns/3rcMTeXh9QOI5jBgYDRA9wzM5Rl74NLeMiYlJpSSfyd1QGrzrKOh3YmJikqOSTQ1ak5EhXuj61pJNumBiYlJJyaYGrckobuAOwafO1g0saCLsUJ9TGUQteqpu6PrWkk26YGJiUknJpgatyShO4B//WZMarqR5YkdM9uThT8H1eZVBqkVPX049QCZj9bnVAV3fWrJJF0xMTCop2dSgNRnFCSx29rn3v4lG8X9KDtmzwInQRyYyiZ4Z266hEDT77/CbiBvOZWM2f2xxz2JZ+OS3DUi16IloGaJviJRhozfO9wunuIaYe57Np85z3ND1rSWbdMHExKSSkk0NWpNRnLj0xDryZyU6HdcMMe4LeiRCG4lPx23DatFeARGz6Gh2QLz8sQnbKNNJsOsmsfM/DtJY9ESsOithUy16whXEiIGOhPuyUpawy78fWlsiZYipJ6ySePylvUtH48QNXd9askkXTExMKinZ1KA1GcUJlvlDrhA0v7Gw+dMSLPD+LRKWN7Hn7D/D4iQ6AnbbvOSEhEvl1z+uKS6W3jfXF9InxJGVrxwjPp6wylSLntjW4Dc/SSxmIo79ylPqyKpV/kBl4G0NZN8bv7EZC5l0vuOErm8t2aQLJiYmlZRsatCajOIExHz+MbVlMVHTgLB/FZA1seXEp2Ox43+HaCFpFhHxJyikHfjTmkL4bEmAOwYiPymwyukQsOY5hmXOzo+pFj3tnXaAa1S/hrhw2F/mjMNru9vPqysdCNsV8Ey2G8CSz/T2y7q+tWSTLpiYmFRSsqlBazLKBFYHhM7fEuL/9mkfjm0i5Ms2v3QCLCLC1865fIfww5+cyyKncBrul/IWPdGB4Ifnu18c5UcQLK5im2G2O9B5jRu6vrVkky6YmMQqKHchQtdDdYkmI0O80PWtJZt0wcQkVjHlrl7RZGSIF7q+tZj+m+StmHJXr2gyMsQLXd9aTP9N8lZMuatXNBkZ4oWuby2m/yZ5K6bc1SuajAzxQte3FtN/k7wVU+7qFU1Ghnih61uL6b9J3oopt0khi+m/Sd6KKbdJIYvpv0neiim3SSGL6b9J3oopt0khi+m/Sd6KKbdJIYvpv0neStMFJbfqNBOTQhEjd5NY5Lv/+dQZoqHrzcQkU2LkbhKLaBIzpIauNxOTTImRu0ksoknMkBq63kxMMiVG7iaxiCYxQ2roejMpXNG6kcvQZTPJI9Ev25Aaut5MCle0buQydNlM8kj0yzakhq43k8IVrRu5DF02kzwS/bINqaHrzaRwRetGLkOXzSSPRL/sKGx853V38y3XCUaMGVzmeEWw9q1X3KznppZJ13h61iR53gPdO7kPP9lS5vi+MGf+dDdu0nD5XjLgEbfnu4/KnJMOdL2ZFK5o3chl6LKZ5JHolx2FZSsXuRYtb3ab3l0rRLvitSVu7/e73PLVz8vx19cvF/B99xfvuYUvzHaf7tkuRP7F1x+49ZtXu2497nedOt/jNm5dE1y32L36xlI5f/Xal+TzpeXz3ZZtbySf+eBDnd28RTNcz97d3NARA9w3//7YvbBsbvKct7e+5pa+skC+c6/X1r3svvrnLjmH858c9pjksV2HO8uUJ13oejMpXNG6kcvQZTPJI9EvOwqQ+28P/I07/YxT3cixg920GePdueefFVjV97lnnp3sbmp2nbvw4vOE7E897STX69EH3ZKX57orrrpUiP2Ou25zd7W93TW/7SY3Y/Zk92i/h9yZZ53u3vvgLXfVNZe5rg92FJx8yonu073b5ZmQ+znnnekOO/xv0gG0vvNW6SC4bvN7ayUft7W6xU2YMtKddPIJrnffHq5Lt46ubbvW7qJLzhdynzRtlORDlydd6HozKVzRulGdeGvLq2I06fR0octmkkeiX3YUIPd77r0r+XvV6y+63x/8Ozd24jAhVUj8zjYt3bJVi6QD+PKbD8WCP/vcf7gXl88TcoeEh496ws1/fqaQ+5Dhj7u/n36Kmzlnirv8yqZCytzjg483yzMgd84FpNOZfPTZO67tPXe46bMmuvMvPEfScbvQCXDNdTdc5d7cuNL1KXlYyJ0ORZelItD1ZlK4onUjk+jbv6dretmFYjAxom1zdyv37X8+SR5H79dvWlXmunShy2aSR6JfdhTCPvd+j/UUyxz3DNb2+7s3i+sDBcTqhsSvvPoy98qrS1zH+9vJsTEThso9IN/FLz7rZs+d5j7bu8O1bN3cff2v3WLdY4U/1Ktr8pne5357cA7XYr1ffe3lrvvDXeRaiBtLfu7CGdIYuGbdhhXumuuukOc+NXOCuGd0WSoCXW8mhStaN6Lw5bc7RVdpI3wnDYPn3vvudqPGPZk8j7aB3mO4+LQu3e51E6eOEr3mHhhRO3ZtdHe3v8NNfXqskDvtYeCT/cRdqZ8dBV02kzwS/bINqaHrzaRwRetGFDBanhhS4s465wy3YMksSXt5xUJ33gVnJ38DRrcr17wg5/s0yB0D6YgjD3Mff7lNRq3PLXjaXXr5RTKnBLkfc+yR++1y1GUzySPRL9uQGrreTApXtG5EgdEpI0/moyDmQQHRv/v+erHajz3+aCF63JsQN+dz3F8LuS8KRrjMRy1ftVjOwc/OtbgyIfcePbvKp35uOtBlM8kj0S/bkBq63kwKV7RuRIHIrakzxrnFL82RwAHIHHciIbrMCxH1te3DtyUijPM57q/Fkt/x0Ub3zo43Zc6Kc3DpcO2GrWvkXCx6ghn41M+Ogi6bSR6JftkaDBGxOvykDZOW+NL1eVUBfIrv796U/I0lQ96Y4CUcUp+/L3A+E7U6vTzoejMpXNG6kcvQZTPJI9EvW4P48D/9+Y8yGfrJnm3u6GOOlO8sBiKGHauCqBYmMImk4RqsDHyAWCxcz7ASC4WJVywWiX3fu91t3b5OriMunuNYIlzPpKm3XjhG7DoWD7HshD9yf45NmT7GPT6oj4RjMsFEGpO33JPvXPP80uckD6S98fYKKQPnMPlKVI4ub3nQ9WZSuKJ1I5ehy2aSR6JftgbESKz4xU3Pl0kh/HuQO4uXiEAh9JAhJ6FagKEjvzs/0EFm/m+9vZlYyPgHZ8ye5C646FyZ+b/sikvcI326u2YtbnDHn3is69CprTvq6COE5DmH6/ArEk5JuCSfrGY94aTjZEEUeYPcuZYJpekzJ7oBg/tK1A3hmHQgpBFFg98Sf2f7jm3c0JEDxX/JeUbuJvsjWjdyGbpsJnkk+mVreHIn1Ip4dnyAkDsx5v0e7+WOPOpwIXOIHnKFUM88+wwhVUIiiQjAQseyhtwP/sNBsuAJ8ofciRaAaFnxSkfB5BMdAedD5n6SiWOEiEHcPm/ecsdCJ9KAxU24aoibZ1KK6AQ6GEIrIfftOzdI54Slz72N3E32R7RulIennpkgukwbQPf18XRByCTrRbxPnhEyfnd93v5Al80kj0S/bA187vjZcan4WX587sTYQvCQOG4OXC8sMmLW/74u7SWdSR9cKs2aXy9Eyz4vxKxDtig+BIu7BAsd1w4LjvCrcy3nMNHk49b5ZPHGLbfeKFY5ad7nzmpXFB6S51l0Kp9/9b7EFXMvVrDS+dAgeA7XsP3B+MkjypS3POh6Mylc0bqRCugqLszwXka0E/QaAwh3Zv+BvWWNBvHttCVi4DGi0F/aDsYKK7DR00WBzh9yyMHBucNk9Irxgz4zKmVky/0xWoiaqcj8ky6bSR6Jftlxg47hxpuvFV95XNZGdUDXm0nhitaNVMDSPuXUE0ulsR0HxhErqhc8P0vi11k9jbsQ6xzj6PAjDhWj5Yx/nOYmPzVaRp6MnBlB+1EsI07mj7gGQ4pRKyPe4044RowgFu/p/JQHXTaTPBL9sjMBJlF1Wq5B15tJ4YrWjfLAKmzImZHj6PFDxLXIHkfsf8TcFOSMFc+IGCOIkS3nYNXjRiSAABemJ3euY06K+alhIwfKCnE6BnZLpdOg8+Be3FPnpTzospnkkeiXbUgNXW8mhStaN8oDLkb2S2L7AKLDdn3+rrhbmF9i/gg3Da5HCJsgAQiaKC6sfqLNCPvFzTlv8TNyLzoECB/3I/fE9YNrk5WqPI8oM1ymRITpvJQHXTaTPBL9sg2poevNpHBF60YuQ5fNJI9Ev2xDauh6Mylc0bqRy9BlM8kj0S/bkBq63kwKV7Ru5DJ02UzySPTLNqSGrjeTwhWtG7kMXTaTPBL9sg2poevNpHBF60YuQ5fNxCSjcvHCkhU6zcQkW0QTZC5Dl83EJKNi5G6SzaIJMpehy2ZiklExcjcpZDH9N8lbMeU2KWQx/c9h4eUVGi5Z2O/7iqFkW9m0uFCyTeevIqjs9dkArZP5JLqsuYZLF5as1Gm5DP1+8loKrsBF+VXmXC9Lruc/SvK9fLkkBfcuCq7ARflV5lwvS67nP0ryvXy5JAX3LgquwEX5VeZcL0uu5z9K8r18uSQF9y4KrsBF+VXmXC9Lruc/SvK9fLkkBfcuCq7ARflV5lwvS67nP0ryvXy5JAX3LgquwEX5VeZcL0uu5z9K8r18uSQF9y4KrsBF+VXmXC9Lruc/SvK9fLkkBfcuCq7ARflV5lwvS67nP0ryvXy5JAX3LgquwEX5VeZcL0uu5z9Kmi4ouVWnmVSPZFTX9EY5hY58r5dcf/e5mv9wvqNEX2soDauraFjlpEC+K02yVeRoGXM1/+F8R4m+1lAaVlfRqFTlbPvw7TJp6eDrf+2Wfy3X6dmCOJRmf+smbqTKR7JVVLKM1YXqzv8XX3/gdn/xXpn0KITzHSX6WkNpWF1Fo1TlrN+82vV69EH35LDH3PjJI8qcrDF0xAC35OW57pt/f+x27NpY5nh5oGFMmjZKvq96/UXXo2dX91Cvrm7tW6+UORd4guJZ4XT9W2Pnp1vdl9/ujDxPozyl6d23hxs5drDkVx/TGDL88TJpYWjSfWJIiVv4wuwy51UWqfKRbBUpypgLqEz+Jz812g18sp/r279nufrmod+Rx5sbV7pFLz5bJj0K4XxHib7WUBpWV9EoVTndH+5S6uDKNS9IY9j4zutC5MtWLnJ7vvvIjZ04zE2bMV6IY8VrS9z852e621rd4nZ9/q5cN3vuNDdq3JPu073b3Zz50+X819cvdx9/uU3Suacn95dXLHRLX1ngnp33lJsyfYybOmOcGzNhqNv7/S4367mpbnKQdvMt17nlqxbLsz767B03YsxgN2/RDPfKq0vcpnfXuqeemSCky2iANJ7x9tbXXJdu9wppch3Pmj5zopxH5wLhT5w6yr24fF7qSkmhNP0H9naf7Nnm2tzdyr227mX39KxJbtN7a+We3Jtz5i1+xo0eP8T17N3NvfrGUinHmjeXSb1RF5wLMVAmTx5YguSzT8nD8vuFZXPduEnDpVxf/XOX5JN7ch86w/BzZ8ye5DZsXSP32vHRRrduwyqpP67lXkbuPwDdgdjDaejV8FFPuC3b3hBdRAcXLJkletGs+fXSBtB13jf1TQds5F79sLqKRqnKeaRP91IHITOs3w6d2opSt77zVjds5EBpJB98vNn1e7yXkP7nX70vZOSvoyFAVlOfHuse6H6fpHEu94PsIL0wuUPCkOK3//lEOhBGD5DvA907yTmeoHgW94HwvvzmQ0knX1zL6KHfYz3du++vFzLkHnQy7+x4U66D9DmXa0sGPOIefKhz4prgfikrJYXSdH6ggxDn5oBYyT+WH/finotfmuNmB50RHRnn3t+1vXynbiZMGenWb1oloyHOBWHS5Tt5pp7f2vKqlBvXFXWw+MU5yZHCo/0ekudzDvnmHDq5pUEdUt+8G+qFTpHOlg7FyP0H0AlC3uG0lq2bi1506nyPe/iRB6TOqFt0Eb2BxCF7OmBIvu09dxi5ZwGsrqJRqnIgH4gS8sEiRLlJh/QhKQgSUsN988bbK4RMOQfXB9YPDYLzIWusZUjN34PPwUP7S6cAIWnLne/cByLDiqdB+WuxtnxjGzC4r3QujCY8udOxYFHTeUCMfO/W43733IKnJa9cB7kyYqCzggj9vfdFfjqd+/vv3IuRCvf68JMt0pEtW7lQ8grB3tmmpVjz6zascPd1ae+2bH9DziXvXOfLxL3uve9uKQfA4ofkOY9RDJb6XW1vl44I8vEdBvXAfahjyJ77UaaXls+XTo1O9bO9O/ZZvlRlzCRSuTlSpUVhf/NPfdPpMsJ574O3RPeoJ/SOUVFYV/n0rjLInDSs+/Yd2xi57wP78z73B9lUV8tXPy+Glk7fH9C292c+JxXKVA4ZhUBQfoiRNKwWLEtcIPyGNCERjvtznnl2srhd+M4xCBvS8cf5pAJwF0D8/l6QfXhyFRcPjQ6L219LY6Jj4TcdD0RK5wJh0/joDCBbrC7cMbgteLa3tvx9eC6/uUcyX8E9wuUH5SkNz/TfyT/Po0zc07t+fCeCVc9zIF/qAgIhjbyLxR10opAMrivy7O8LmUPI1Cdlpgx0KnS8dCJYn1wv9fBf8uc6Riy8M47xDOqQZ+6rfKnKCMg/nQduCH3MAwVEEcNp1AH51ed6eNL0YGRCWdEbRnvpEkNU/vcFRo7UGx0vdcU7oG7pKMO6yied5JsbV0n+AFY/74TvXKfvHYVwvqNEXxs3MI7o6HjHtK+Kzkt54EIM/9bvOFPIRF0x2vVtEdevPp4KtC8M1f2tP30dxiBeAH3e/iDWyqkOQO4QuU6vDOJWmooi3EAgS+/qiQvJVlFOGXE1eYJD2SBxCOCTgNTo5OlMmVwGdHjMcWD5gk/37JAObfjoQUKCzy99To5D3HQYECmdD/eGKCF3Ojg6KeYh5iyYLh0TIxWMBJ23dPKfrQjnO0r0tXEDUoLYMVIYadIxY4TQsTMqofPm+NyFM8RooEPkPfJecJ36a3mHXMsx2mEukzvuOFyvdPqPPfGojPTQd1yhtEMMMrwE3qACnEd7oQ5oKzPnTEkGo0D6tF3qjPqjTVCX23dukM6DtsF1GLh+Ls7IPcOIW2myDclWUU4ZsW6ZwMXtxkgL5cNNt37Tand3+zuE+FFMFJFRFw2AOQxIfeenW8S1RDqKjYVIg6AR4ALh3n7+A2IHKDv39y4k3E+QCnMzOm/p5D9bEc53lOhr4wbkjruV94ALEFImYo0RISTHqJTRDfNskBl64MnIT/z7eS8ICx3gveUyuTNCZgTMJ/oKUaPjuDcHDSkpNX+IxY2+MyFP/VBuP9pG34keZFTDNavXviSfkDz3JlKLjoP64zqMJz+fY+SeYcStNNmGZKsop4xYcFgqXR/smIxKouFvCogaUsDvTDQJkSTMkWB5M8T35E7HAIljnTD/Anmj0Mw9QPpM+HKtJnc/D4H12PH+dmXylW7+sxXhfEeJvjZu8B4ZgfnfkEx4Hgqrk5EY8z+QF9Y6rjN0g6g63i+uU87181wQWK6TO5+435q1uEHImc6PcmJZh+sHg2fr9nWlyJ3OgBEq9bp2/XLRee7FOeFr6RxoMz4KkTTuRbvKWnLHx4vVRpw8Q3Z6Kn1OOoA4aOTeB5uuLzYuxKE0DFNRFh+SCCAxJk9xT0Bw+hoP7ceMG8lWUU4ZsTpQZvyPvEPIlkaNBQMJ08ix7FBcLB3cLLhtUNY93+1MXscwnXPpIPz8C35siILnQDCAjgTl5l4MTXnfRP7ofKWbf490/aZh4ErScwnpIB0dDec7SvS1cYNyUt/+d3j+jHfCu+b98q4IQoDMsPDpnLHUfRAD5zIPxDxX+B6ZRibqKjyn5n3htEVIGz5KNU9HvVA/HKMTQJepV3SIuUlcjMzPhK+FJxnpUG+k+/kcRkW4w/ZnPicVYq0cSF0vZoIY8FmhLDRyhuo0YBoeDYJeioIykYrFBzFgKUIK+GAhA+KNqTAsQ/xZ+MToALhHWEHjQhxK410RYaLm5fsJXkI1ITyijHA/eGWCRP3kLKRJfb2/e7NYUaT74Z5+XkWQbBWVLGMmQKdBp8iQVR/zSDf/3AerCeJBj/jO/ZnYhqjQN/SThoulSoeLywEDhfdA/aOXvEuG1jRY/KacR4PmWjrBHbs2ia7qyTGNcL6jRF9rKA2rq2jEWjlY6z68D0DmDFloqI8P6iN+WdIZ6mHZYcEyrOc7aRyDEL3v1X8ydMHfx8QFDW3i1JHJ+GTcAToflUUcSsMQleErli4gDXInRBIiYFiLj40y8Em56Ox8SCP1hg+TzoAOgLLzSefGd/28iiDZKipZxupCuvmH3CFrhsAMhZkAZGILXcRQoOPkHCZxeQdYVXScLLhDl7GwGGlxL/SSOQiIHZ1jshdip2OmA/C6ui+E8x0l+lpDaVhdRSPWymFo7idj8DstWTpXVmVCWhBTmKz59D7X8tK8D5Z4Y8iOhkmsMUMh/Hw+Plnno7KorNJA3HRWhC6eePLxQuqke8ud4RqdFR0bZcD/TAcI6UMw1AVWPZYldccwmI4QQoLYsRj1MyuCZKuoRBmrE+nmH+LW+gVp00Gin1jnWPE7g/eE7uLzJI1wYH9+WC8ZKdJB8L42vLNGjBfcSeh4eN1CeQjnO0r0tXEh2/d1ShdVUVfpuNqyGbFXDm4S/M0MY/mNzwnLVXxW//VVhf1P+0qDAGk8WLcQHP4/htcco+IhOx9bHyfiUBo6I4b6DOWpA9L4TufEd1ws5J0yeCWCVPj0dQGJ+LrDn40rgbrBEtXPqwiSrSKNMhIlgLvNR8Do4+nAb48Q1xxKuvn3ayH47uuUNFyEfEev/GIk/Kp+uwj8n0l9VH5WzsNtyDtAJ7kXOs+q5VRbWYQRzneU6GsrAtxJvDMMIAyKsLsInfMLCD3o4Iic4Rp9rCLgOdQHvnie4+s5E4ijrvxiQxZXYjBpt5oejaEb1BPpuFWJLNL3TAcYEHSycbWH8lCpyslXVFZpsh3JVhFRRjogPfELIeKO8HuxMBIh/hdrmPPxaxMSxugEooDw6KDXrF8mI5OZwf2YQ6Hz4zruxQgHcmQSFeLU+dBIN//ZhnC+o0RfWxFQpyzKYuSHgUSdAkbP2z58S94LriQ/r6H3lGJSDwONUEhcptyH39wLVxbGBkYJIxncWBxjtM77hyiJkOr7WE+JsILkea+8a+4dnjfT+a4I4qgrJj8ZmaHLuFHJP7rIHCHfIXH0Ejcd51OvfhTugTeB+qGcrKrHvcondYLe02H4+ua+fkEmHaqfU+ST59DBcD11KXsejR4k6Trf6aJSlZOvqKzSZDuSrSKijLguwrHmKD4Kx3f2ucGfTQPBL02D9/MlzPazGAQlJQ2Cp4GEXSRYd2yrQENgLqZdhzul4yBN50Mj3fxnG8L5jhJ9bUUACTE/QCgrv6l3LE46akj/yqsvKzUpr/eU8vs3MaphNAn5E6LHu4ekISbS0AeuRUc4l/fKiN1vKUJQBOfhvmrbrrV7dv50cStC7gRR6HxXBHHUFbqLoXHDTdckiR4dZE6GwAXqj3BGfz51GrbWqUPmXnwQQHhOkU/uQwdHR7avOUU+qWfqklEXHUN4zyOd73RRqcoJI1NDi+pAZZWmukAEB4qm0zWSrSKijLiRmDzEKmFuY3XQiGmcWHyQeyq/dKo0T+7hORQaE64e3BtYM0we+5WSOh8a6eY/2xDOd5ToaysCyJ13RueLFc47wB3FiAprHJcC78+fD5kQtYbucA6uOHQJ95TfVwfXkw9j9XHdnM+1uAwhcNJ4zxA95wHmiiBKrFU6AT9vtr8uPo846soTOvn0e2lhKWNxY8mjp3ROPgIQ9yL1xjxZYsO+BVKflAWXlp7f4XNfab498EnnSadHPRMy7fc8ooPU+U4XZSoH3yK+OgrGiyFN+6I0kdOD+cynAplNdZ/ywDAO6yHsEqDSGe6hsOn48tJ9ViqkqzRYJ/S29NhxboGAxUAD9fWfLmh86YSGJltFGmWEJLCyUGZ+E6rK0Jp3kMovnSoN5cdiRIEhbwiAhg4pMGSF1Lkf99XD3lRIJ/9YS7wb9NLv9qjPSQc+fDIO/2g431Gir60I0EX8wxKHHrwH3gHvDRfa5wGhMSkMmDPw12Bt4xKgrfr9kpjz4Rj3oKNHt8Jx3bhsuK+ff/BpiX2edsqn30/KBz6E580qgzjqirx5PUUvfTnJt5QnqDfO8esyAO8fN4x3H2Jx+32K9PyOr/vy0rD6eQ9+bpF70rlC+Ix+aQ9+G/X9QZnK4SUwVOY7L5eH+YLjYyONoQyFYggBiXKc3p5KIUNkzheeYy1a3pzcMIxjkAW+O79fA9eE92uA2LAQ/QQjYLhHj+cjErgOq4GhIZah9+9yDNLl+RAGL4Iy0PvSaZBfvuP/8pO+GukqDcMmsUaCekBhyQPP5nnkjUaAMlAeXiAvlaEtvbGvTxoMyoFF4+8LGUF8fpk3x7kfL5o6oUwcpz7p7bkvaQwB4yb3bEQ6+adesLTCab4esWaxLsPrK2hk6A867PcQoRNC3+mU0PlZc6eKf5S6532hw1hXvAfepX6eRjjfUaKvNZSG1VU0ylROmNyJzvBDbYiRYRq9tLfS/X7r/IZYIGsU3P+Rhz8GodGz8R3iY6gH8TI6CO/XwCc9P5YrwyEfNujzRg+Kb5ZeLuyvZXtfrvP/ruPjjrF8yROWIe4Fzm91Rws3e940mfgpb2iYrtJA7oQz+ogL6oP6IzSO8lImCJoOiTzgd+Qa9mdJ1uee7bJ/R9i3TV65B3WwbNUiub/fhx7Llk6EobXfitkPsalPI/cE9EIoOsVwPfLeeC9hXyhuIo6H08K6Sxp6xbtC3+ksSEeneK8+Jr48hPMdJfpaQ2lYXUWjTOVATlg9WCuQDMMwFJjfWDIQCD4iyDRM4BAsxOP3Y6Ch4FuD3LBcGSJynj8OQWNFaZ8UZMUeJFjXxIh7lw6WFa4ZRgAvLJsn1q331/p7QN6QP42WNBomZEeHQz5wMWDRY3mRNx0lUKpS0lAayhH2iVEG8olFh5XNhIrfR4I8SFx7QDjeGhQ/dNAB0SFB+P4+3nKHZNYE52BNMkKh7un4KAedmq8ziJ5hOJ2LkXsC6Bc6SH1jiS9fvVg6U1+PYbLmk9+p0jy5e53nE1cEOs2ojPoW/2jwnPI2OvMI5ztK9LWG0rC6ikaZyoGUUFwiJbzlgwsBsqVxQCwQqrhqQv4kgMXsZ+EhUSwlzmUYjP/c+50Y/np/uvZJ+WshNJ7vY8RpYAyFeQa/IT9/jr8HpJ6MFQ/S+M1ECS4fyI/z8UdCtpTFdxwa6SoN1zO68b99GfzEEVYgw3YsbfJLPeCC4jrqk/xQn5Qp7NfDxcOoxeePzoBOjTqAWIi1Du+V7+/LO0lnX5Rkq0ijjNmIdPOP3xL3G35zfofrMekDVTqs06hn9Ij3QweN7mJkoFN+DQIjwMSmaVvL5CGMcL6jRF9rKA2rq2hY5aRAvitNslXkaBlzNf/hfEeJvtZQGlZX0bDKSYF8V5pkq8jRMuZq/sP5jhJ9raE0rK6i8f+s3Kc5AL8srgAAAABJRU5ErkJggg==\" style=\"width:500px;\"/>\n</div>\n<div class=\"header header-3\">Audit &amp; Risk Committee </div>\n<p>The Audit &amp; Risk Committee was established by the Supervisory Board to gain support, among other things, in the following matters: </p><ul><li>\n<p>Assessment of the risk appetite proposal and quarterly monitoring of the risk profile; </p></li><li>\n<p>Assessment of the annual report, including the financial statements of a.s.r.; </p></li><li>\n<p>The relationship with the independent external auditor, including the assessment of the quality and independence of the independent external auditor and the proposal by the SB to the AGM to appoint the independent external auditor; </p></li><li>\n<p>The performance of the audit function, compliance function, the AF and the RMF; </p></li><li>\n<p>Compliance with rules and regulations; and </p></li><li>\n<p>The financial position. </p></li></ul>\n<p>The Audit &amp; Risk Committee has four members of the SB, one of whom acts as the chairman. </p>\n<div class=\"header header-3\">a.s.r. risk committee </div>\n<p>The a.s.r. risk committee monitors a.s.r.\u2019s overall risk profile on a quarterly basis. At least annually, the a.s.r. risk committee determines the risk appetite statements, limits and targets for a.s.r. This relates to the overall a.s.r. risk appetite and the subdivision of risk appetite by financial and non-financial risks. The risk appetite is then submitted to the a.s.r. Audit &amp; Risk Committee, which advises the SB on the approval of the risk appetite. The a.s.r. risk committee also monitors the progress made in managing risks included in the risk priorities and emerging risks of the EB. </p>\n<p>All members of the MB participate in the a.s.r. risk committee, which is chaired by the CEO. The involvement of the EB ensures that risk decisions are being addressed at the appropriate level within the organisation. In addition to the EB, the Key Functions (Risk management, Compliance, Internal audit, Actuarial function) are members of the Committee. </p>\n<div class=\"header header-3\">Non-Financial Risk Committee </div>\n<p>The Non-Financial Risk Committee (NFRC) discusses, advises and decides upon non-financial risk policies and procedures. The most relevant non-financial risk policies are approved by the a.s.r. risk committee. The NFRC monitors a.s.r.\u2019s overall non-financial risk profile, in particular whether non-financial risks of a.s.r. and the business entities are managed adequately and whether the risk profile stays within the agreed risk limits. If the risk profile exceeds the limits, the NFRC takes mitigating actions. The NFRC reports to the a.s.r. risk committee. The NFRC is chaired by a member of the EB. The NFRC discusses the most important risks from the underlying non-financial risk committees (Business Risk Committee (BRC). </p>\n<div class=\"header header-3\">Financial Risk Committee </div>\n<p>The Financial Risk Committee (FRC) discusses, advises and decides upon financial risk policies. The most relevant financial risk policies are approved by the a.s.r. risk committee. The FRC monitors that financial risks of a.s.r. and the business entities are managed adequately and monitors that the risk profile stays within the agreed risk limits. If the risk profile exceeds the limits, the NFR takes mitigating actions. The FRC reports to the a.s.r. risk committee. The Chairman of the FRC is the CFO. In mid-2024, the committee structure was further rationalised. The FRC now oversees the financial risk for all entities, leading to the dissolution of the separate committees for Aegon entities. </p>\n<div class=\"header header-3\">Credit and Participation Committee Distribution &amp; Services </div>\n<p>In the Credit and Participation Committee Distribution &amp; Services (hereafter: CPC D&amp;S), acquisition, credit, and combined participation and credit proposals (D&amp;S proposals) within the scope of the Distribution and Services segment of a.s.r. (D&amp;S segment) are assessed. The CPC D&amp;S is authorised to decide on proposals with a total investment between \u20ac\u00a02 million and \u20ac\u00a07.5 million. The management of D&amp;S is independently authorised for decisions up to \u20ac\u00a02 million. Decisions on proposals above \u20ac\u00a07.5 million are reserved for the Board of Directors, with advice from the CPC D&amp;S. The chair of the CPC D&amp;S is the CFO of a.s.r. </p>\n<div class=\"header header-3\">Product Approval and Review Process Board </div>\n<p>The Product Approval &amp; Review Process Board (PARP Board) is responsible for the final decision-making process around the introduction of new products and adjustments in existing products. The committee evaluates if potential risks in newly developed products are sufficiently addressed. New products need to be developed in such a way that they are cost efficient, reliable, useful and secure for our clients. New products also need to have a strategic fit with a.s.r.\u2019s mission to be a solid and trustful insurer. In addition, the risks of existing products are evaluated, as requested by the PARP as a result of product reviews. The PARP Board is chaired by the managing Director of Services. </p>\n<div class=\"header header-3\">Sustainability Committee </div>\n<p>The Sustainability Committee (hereafter: SC) aims to review and advise on central and decentralised draft policies related to sustainability before these policies are submitted for approval to the Board of Directors or the competent committee. Additionally, dilemmas, complications, and conflicting interests in the field of sustainability (including ESG and CDD/KYC) that arise at a.s.r. and/or one of the (sub)committees are discussed. The chair of the SC is the Director of Communications. </p>\n<div class=\"header header-3\">Central Investment Committee </div>\n<p>In addition to the risk committee structure, the Central Investment Committee (CIC) monitors tactical decisions and the execution of the investment policy. It takes investment decisions within the boundaries of the strategic asset allocation as agreed upon in the FRC. The CIC bears particular responsibility for investment decisions exceeding the mandate of the investment department. The CIC is chaired by the CFO. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749557\"><span class=\"number\">7.8.1.1.3 </span><span class=\"title-text\">Systems and data </span></h1>\n<p>GRC tooling is implemented to support the RM process by giving guidance and insight into the key risk indicators, risk tolerance levels, boundaries and actions and remediation plans to mitigate risks. The availability, adequacy and quality of data and IT systems is important in order to ensure that correct figures are reported and risk mitigating measures can be taken in time. It is important to establish under which conditions the management information that is submitted to the risk committees has been prepared and which quality safeguards were applied in the process of creating this information. This allows the risk committees to ascertain whether the information is sufficient to base further decisions upon. </p>\n<p>a.s.r. has a Data Quality policy in place to support the availability of correct management information. This policy is evaluated on an annual basis and revised at least every three years to keep the standards in line with the latest developments on information management. The quality of the information is reviewed based on the following aspects, based on Solvency II: </p><ul><li>\n<p>completeness (including documentation of accuracy of results) </p></li><li>\n<p>adequacy </p></li><li>\n<p>reliability </p></li><li>\n<p>timeliness </p></li></ul>\n<p>Adherence to this policy is ensured by the three lines model. With a Central Data Office, additional measures are taken to increase maturity in data management practices. </p>\n<p>The data risk governance and committee structure in place ensures that ownership and decision making regarding assumptions and the plausibility of the results is effectively organised. </p>\n<p>The information involved tends to be sensitive. To prevent unauthorised persons from accessing it, it is disseminated using a secure channel or protected files. a.s.r.\u2019s information security policy contains guidelines in this respect. </p>\n<p>a.s.r.\u2019s information security policy is based on relevant laws and market standards, like ISO 2700x, COBIT 2019, NIST Cybersecurity framework, SOC2 principles, PCI DSS, COSO, BS 25999, ISO 31000, ITIL. These standards describes best practices for the implementation of information security. For the Digital Operational Resilience Act (hereafter: DORA), important changes in 2024 per DORA pillar are: </p><ul><li>\n<p>ICT Risk Management: a strengthened, centralised, and top-down approach has been adopted through an IT Risk Framework for ICT governance and risk management. Best practice controls are now mandatory and implemented via comply-or-explain principles. </p></li><li>\n<p>Incident Management: IT incident monitoring has been intensified with a new process to promptly notify and report major DORA incidents to regulators. There is now more focus on business continuity rather than solely IT continuity. </p></li><li>\n<p>Digital Resilience: focus on the critical and important business functions, with controls formalised or adjusted as necessary to comply with DORA. </p></li><li>\n<p>Management of Third-Party Risk: concentration risks and critical suppliers have been identified. Reporting has been improved, and a processing register along with mandatory reporting templates have been implemented. Where necessary, contracts with third-party suppliers have been revised. </p></li><li>\n<p>ICT Information Sharing: information exchange between a.s.r., other financial institutions, and regulators has been improved, with active contributions to collaborations. </p></li></ul>\n<p>From 2025, a.s.r. meets the DORA regulations, and DORA will be part of a.s.r.'s information security policy. </p>\n<p>There are technical solutions for accomplishing this, by enforcing a layered approach (defence-in-depth) of technical measures to avoid unauthorised persons to compromise a.s.r. data and systems. In this perspective, one may think of methods of logical access management, intrusion detection techniques, in combination with firewalls are aimed at preventing hackers and other unauthorised persons from accessing information stored on a.s.r. systems. Nevertheless, confidential information can also have been committed to paper. On top of technical measures a.s.r. implemented physical measures and measures that help create the desired level of awareness of personnel as part of the information security environment. The resilience of these measures is actively tested. </p>\n<p>When user defined models (e.g. spreadsheets) are used for supporting the RM framework, the \u2018a.s.r. Standard for End user computing\u2019 defines and describes best practices in order to guard the reliability and confidentiality of these tools and models. a.s.r. recognises the importance of sound data quality and information management systems. </p>\n<p>The management of IT and data risks of the implemented tools, models and systems (including data) is part of the Operational (IT) RM. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749558\"><span class=\"number\">7.8.1.1.4 </span><span class=\"title-text\">Risk policies and procedures </span></h1>\n<p>a.s.r. has established guidelines, including policies that cover all main risk categories (market, counterparty default, liquidity, underwriting, strategic and operational). These policies address the accountabilities and responsibilities regarding management of the different risk types. Furthermore, the methodology for risk measurement is included in the policies. The content of the policies is aligned to create a consistent and complete set. GRM maintains the risk policies, Compliance maintains the compliance policies and both GRM and Compliance monitor the proper implementation in the business. New risk policies or updates of existing risk policies are approved by the risk committees as mentioned previously. a.s.r. has drawn up an integrated policy calendar which includes all risk related documents. This guarantees that policies are drawn up and reassessed in a timely manner and that tasks and responsibilities are clear. </p>\n<p>a.s.r. employees gain risk management knowledge and skills through the implementation of risk management policies, procedures and practices and the execution and testing of controls within business processes for sound and controlled business operations. Training courses that cover the main risk-related topics, presentations, workshops, gamification and the use of governance, risk &amp; compliance tooling also contribute to this. Courses include, for example, sustainability risk specifically ESG factors to better understand and identify material risks. In addition, risk management employees keep their knowledge and skills up to date through training courses - including in the context of permanent education - that cover specific risk-related topics.\u00a0\u00a0</p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749559\"><span class=\"number\">7.8.1.1.5 </span><span class=\"title-text\">Risk culture </span></h1>\n<p>Risk awareness is a vital component of building a sound risk culture within a.s.r. that emphasises the human aspect in the management of risks. In addition to gaining sufficient knowledge, skills, capabilities and experience in RM, it is essential that an organisation enables objective and transparent risk reporting in order to manage them more effectively. </p>\n<p>The MB clearly recognises the importance of RM and is therefore represented in all of the major group level risk committees. Risk Management is involved in the strategic decision-making process, where the company\u2019s risk appetite is always considered. The awareness of risks during decision-making is continually addressed when making business decisions, for example by discussing and reviewing risk scenarios and the positive and / or negative impact of risks before finalising decisions. </p>\n<p>It is very important that this risk awareness trickles down to all parts of the organisation, and therefore management actively encourages personnel to be aware of risks during their tasks and projects, in order to avoid risks or mitigate them when required. The execution of risk analyses is embedded in daily business in, for example, projects, product design and outsourcing. </p>\n<p>In doing so, a.s.r. aims to create a solid risk culture in which ethical values, desired behaviours and understanding of risk in the entity are fully embedded. Integrity is of the utmost importance at a.s.r.: this is translated into a code of conduct and strict application policies for new and existing personnel, such as taking an oath or solemn affirmation when entering the company, and the \u2018fit and proper\u2019 aspect of the Solvency II regulation, ensuring that a.s.r. is overseen and managed in a professional manner. </p>\n<p>Furthermore, a.s.r. believes it is important that a culture is created in which risks can be discussed openly and where risks are not merely perceived to be negative and highlight that risks can also present a.s.r. with opportunities. Risk Management (both centralised and decentralised) and Compliance are positioned as such, that they can communicate and report on risks independently and transparently, which also contributes to creating a proper risk culture. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749560\"><span class=\"number\">7.8.1.1.6 </span><span class=\"title-text\">Risk management process </span></h1>\n<p>The RM process typically comprises of five important steps: 1) identifying; 2) measuring; 3) managing; 4) monitoring and reporting; and 5) evaluating. a.s.r. has defined a procedure for performing risk analyses and standards for specific assessments. The five different steps are explained in this chapter. </p>\n<div class=\"header header-3\">Identifying </div>\n<p>Management should endeavour to identify all possible risks that may impact the strategic, tactical and operational objectives of a.s.r., ranging from the larger and / or more significant risks posed on the overall business, down to the smaller risks associated with individual projects or smaller business lines. Risk identification comprises of the process of identifying and describing risk sources, events, and the causes and effects of those events. </p>\n<div class=\"header header-3\">Measuring </div>\n<p>After risks have been identified, quantitative or qualitative assessments of these risks take place to estimate the likelihood and impact associated with them. Methods applicable to the assessment of risks are: </p><ul><li>\n<p>Sensitivity analysis </p></li><li>\n<p>Stress testing </p></li><li>\n<p>Scenario analysis </p></li><li>\n<p>Expert judgments (regarding likelihood and impact) </p></li><li>\n<p>Portfolio analysis </p></li></ul>\n<div class=\"header header-3\">Managing </div>\n<p>Typically, there are four strategies to managing risk: </p><ul><li>\n<p><i>Accept</i>: risk acceptance means accepting that a risk might have consequences, without taking any further mitigating measures. </p></li><li>\n<p><i>Avoid</i>: risk avoidance is the elimination of activities that cause the risk. </p></li><li>\n<p><i>Transfer</i>: risk transference is transferring the impact of the risk to a third party. </p></li><li>\n<p><i>Mitigate</i>: risk mitigation involves the mitigation of the risk likelihood and / or impact. </p></li></ul>\n<p>RM strategies are chosen in a way that ensures that a.s.r. remains within the risk appetite tolerance levels and limits. </p>\n<div class=\"header header-3\">Monitoring and reporting </div>\n<p>The risk identification process is not a continuous exercise. Therefore, risk monitoring and reporting are required to capture changes in environments and conditions. This also means that RM strategies could, or perhaps should, be adapted in accordance with risk appetite tolerance levels and limits. </p>\n<div class=\"header header-3\">Evaluating </div>\n<p>The evaluation step is twofold. On the one hand, evaluation means risk exposures are evaluated against risk appetite tolerance levels and limits, taking (the effectiveness of) existing mitigation measures into account. The outcome of the evaluation could lead to a decision regarding further mitigating measures or changes in RM strategies. On the other hand, the RM framework (including the risk management processes) is evaluated by the RM function, in order to continuously improve the effectiveness of the RM framework as a whole. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747920\"><span class=\"number\">7.8.1.2 </span><span class=\"title-text\">a.s.r.\u2019s risk categories </span></h1>\n<p>a.s.r. is exposed to a variety of risks. Aegon life and Aegon spaarkas use a PIM to calculate the solvency position. a.s.r. is currently in the process of expanding the PIM to a.s.r. life. In 2024, the Internal Model Approval Process (IMAP) for a.s.r. life has started. The project aims to implement the expanded model for FY 2025, subject successful completion of the project and approval by DNB.\u00a0Introduction of PIM to a.s.r. life results in a positive outlook for FY 2025. </p>\n<p>As a result of PIM, the risk universe of Aegon life and Aegon spaarkas is therefore different and captures all material risks that the company is exposed to. The emerging risk process ensures that the risk universe will remain up to date. An overview of Aegon life and Aegon spaarkas risk universe is provided in the following graph. </p>\n<div class=\"figure-container\" style=\"width:50%\"><img alt=\"\" class=\"figure\" src=\"data:image/png;base64,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\" style=\"width:870px;\"/>\n</div>\n<p>For the other insurance entities there are six main risk categories that a.s.r. recognises, as described below and furhter explained in the following risk paragraphs. The most important risks from the risk universe for the PIM entities are explained within these six risk categories used for the Solvency II Standard Formula (SF). In addition, a.s.r. recognises sustainability risks arising from environmental, social or governance (ESG) events or conditions. These risks can be financial and non-financial and can be both strategic and operational. This means that all six main risk categories that a.s.r. recognises can be affected by sustainability risks. In chapter 6 of the annual report and in the paragraph climate change, a.s.r. briefly describes how a.s.r. identifies, measures and manages climate risks and opportunities for its business. </p>\n<p>a.s.r. is working on integrating the different risk categories into a single overarching risk taxonomy. This harmonised overarching taxonomy will consist of both the Solvency II SF risk categories and the risk categories from the PIM and is expected to be implemented in 2025. </p>\n<div class=\"header header-2\">Insurance risk </div>\n<p>Insurance risk is the risk that premium and / or investment income or outstanding reserves will not be sufficient to cover current or future payment obligations, due to the application of inaccurate technical or other assumptions and principles when developing and pricing products. a.s.r. recognises the following insurance risks: </p><ul><li>\n<p>Life insurance risk </p></li><li>\n<p>Health insurance risk </p></li><li>\n<p>Non-life insurance risk </p></li></ul>\n<div class=\"header header-2\">Market risk </div>\n<p>The risk of changes in values caused by market prices or volatility of market prices differing from their expected values. The following types of market risk are distinguished: </p><ul><li>\n<p>Interest rate risk </p></li><li>\n<p>Equity risk </p></li><li>\n<p>Property risk </p></li><li>\n<p>Spread risk </p></li><li>\n<p>Currency risk </p></li><li>\n<p>Concentration risk / market concentration risk </p></li></ul>\n<div class=\"header header-2\">Counterparty default risk </div>\n<p>Counterparty default risk is the risk of losses due to the unexpected failure to pay or credit rating downgrade of counterparties and debtors. Counterparty default risk exists in respect of the following counterparties: </p><ul><li>\n<p>Reinsurers </p></li><li>\n<p>Consumers </p></li><li>\n<p>Intermediaries </p></li><li>\n<p>Counterparties that offer cash facilities </p></li><li>\n<p>Counterparties with which derivatives contracts have been concluded </p></li><li>\n<p>Healthcare providers </p></li><li>\n<p>Zorginstituut Nederland </p></li></ul>\n<div class=\"header header-2\">Liquidity risk </div>\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. </p>\n<div class=\"header header-2\">Operational risk </div>\n<p>Operational risk is the risk of losses caused by weak or failing internal procedures, weaknesses in the action taken by personnel, weaknesses in systems or because of external events. The following subcategories of operational risk are used: </p><ul><li>\n<p>Process </p></li><li>\n<p>Information technology </p></li><li>\n<p>Project </p></li><li>\n<p>Reporting &amp; Model </p></li><li>\n<p>Integrity </p></li></ul>\n<div class=\"header header-2\">Strategic risk </div>\n<p>Strategic risk is the risk of a.s.r. or its business lines failing to achieve the objectives due to incorrect decision-making, incorrect implementation and / or an inadequate response to changes in the environment. Such changes may arise in the following areas: </p><ul><li>\n<p>Macro-economic </p></li><li>\n<p>Geopolitical instability </p></li><li>\n<p>Climate change and energy transition </p></li><li>\n<p>Cyber and information security </p></li><li>\n<p>Regulation </p></li><li>\n<p>Biodiversity </p></li><li>\n<p>Social tensions </p></li><li>\n<p>Pandemics </p></li></ul>\n<p>Strategic risk may arise due to a mismatch between two or more of the following components: the objectives (resulting from the strategy), the resources used to achieve the objectives, the quality of implementation, the economic climate and / or the market in which a.s.r. and / or its business lines operate. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747868\"><span class=\"number\">7.8.1.3 </span><span class=\"title-text\">Climate change &amp; Biodiversity </span></h1>\n<p>In addition to the six main categories, a.s.r. recognises sustainability risks arising from environmental, social or governance (ESG) events or conditions. These risks can be financial and non-financial and can be both strategic and operational. This means that all six main risk categories that a.s.r. recognises can be affected by sustainability risks.\u00a0\u00a0</p>\n<p>Climate-related risks are divided into physical, transition and reputational risks. Physical risks arise from more frequent and severe climate events. Physical risks can be acute, such as extreme weather events, or chronic when they arise from gradual changes such as water shortages or rising temperatures. Transition risks result from the process of adjustment towards a climate-neutral society. The failure to appropriately address these adjustments can result in reputational risk. </p>\n<div class=\"header header-2\">Technical provisions </div>\n<p>The net impact of climate change and biodiversity loss on the current Solvency II Technical Provisions or SCR estimation is considered to be limited. In the previous years several assessments have been performed that substantiate this. E.g. the impact of sustainability factors on the portfolio has been assessed. Based on the portfolio characteristics and product features the potential adverse effect on the value of liabilities has been assessed. In addition an assessment is made to identify the impact of sustainability factors to the prudential risks. Based on these and other analysis the limited net impact is confirmed. For the Life and Pension business the impact of climate change on life expectancy is considered to be limited. Increased inflation caused by social or geopolitical factors is adequately valued in the liabilities. The inflation sensitivity of the technical provisions is hedged with inflation swaps and inflation bonds. The Non-life business is characterised by a short contract boundary, most premiums can therefore yearly be adjusted to the gradually impact of climate change. </p>\n<p>In 2024 the double materiality assessment was finalised, including the financial materiality assessment (see section 6.1.4.3). The double materiality assessment did not result in different conclusions regarding the scope of the Actuarial Function (AF). The material financial risks that were identified are related to climate change, biodiversity loss and consumers and/or end-users. These risks are related to future developments (medium- and long term horizons) and are not directly related to the current Solvency II Technical provisions. E.g. the future development of climate change does not have impact on current frequency and severity of events. The AF has continuously attention for developments of ESG risks and the potential impact on the technical liabilities, the reinsurance contracts and pricing- and underwriting policies. </p>\n<p>Based on the assessments a.s.r. does not consider ESG to have impact on the method or results of current Solvency II Technical Provisions or SCR estimation. The ESG risks are expected to be within the limits of the Solvency II Capital Requirement. This conclusion is applicable to both the a.s.r. and Aegon portfolios. </p>\n<p>Reference is made to section 6.1.3.4 for more information how a.s.r. identifies, measures and manages climate risks and opportunities for its business. </p>\n<div class=\"header header-2\">Risk assessments </div>\n<p>Transition risks apply in particular to investments and financing. The scenario analysis for transition risks is performed by considering the proposal from the Strategic Asset Allocation (SAA) 2024 under four climate scenarios. The dynamically managed market risk budgets are resilient to the climate impact with regard to the development of the SII ratio over the coming 20 years. </p>\n<p>The ORSA assesses the overall solvency needs of a.s.r. in the context of the strategic plans making allowance for the current and expected solvency positions, the risk appetite and solvency targets. Physical climate risks are mainly associated with the Non-life portfolio and adequately priced in the products. Physical climate risks (a major storm and major flood) are assessed in the ORSA combined business scenario\u2019s for the Non-life portfolio. Within life and health insurance, the impact is mainly in the longer term and was not quantified in the standard ORSA horizon of 5 years. Therefore, since the ORSA 2023, a.s.r. introduced a climate scenario with a horizon of 10 years. Starting point for this climate scenario is the failed transition, which is the most negative scenario from the SAA study. In addition a.s.r. Real estate, Non-Life, Health and Disability are exposed to physical climate risk. </p>\n<p>As part of the CSRD project a.s.r. started the double materiality assessment in 2023 and finalised the assessment in 2024. This assessment led to identification of material sustainability topics that are included in the Sustainability Statements (chapter 6). Furthermore, a.s.r. is in the process of integrating the risk management activities related to CSRD sustainability reporting in its existing integrated risk management framework and governance. In 2024 risks have been identified and controls have been determined to ensure the correctness, completeness and timeliness of the sustainability reporting in particular with respect to newly disclosed items. The aforementioned risks and controls have been included in the reporting manuals which have been drafted at the level of each individual product line. Furthermore, a governance structure has been in place for addressing sustainability matters, including reporting. a.s.r. is in the process of integrating the risk management activities related to CSRD sustainability reporting in its existing integrated risk management framework and governance. By having this fully integrated it will enhance organisational efficiency, strengthen reliable reporting, and ensure compliance with the regulatory requirements. </p>\n<p>Overall, climate risks as a result of climate change and the energy transition are incorporated into a.s.r.\u2019s risk appetite and part of the regular risk management processes such as the annual group-wide SRA process. Material climate risks identified in the SRA process, including storms and floods, are incorporated into the scenario analysis of the ORSA and quantified by the business actuary teams. </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748466\"><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 individual life and funeral 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 life and 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. a.s.r. life, a.s.r. non-life and 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 2024 </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 2023 </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-left-1 border-right-1 border-top-1 headrow headrow-last\" scope=\"col\" style=\"text-align:right;vertical-align:bottom;\"><b>Total </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>Total </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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,757 </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;\">1,039 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,820 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,013 </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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,572 </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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,508 </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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">745 </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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">706 </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\"><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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>5,074 </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>1,039 </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>5,034 </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>1,013 </b></td></tr></tbody></table> <br/>\n<p>The Life insurance risk decreased meanly as a result of non-economic assumption changes and portfolio developments. </p>\n<p>The Health and Non life insurance risk increased as a result of the growth of the sum insured. </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 2024 and 2023, 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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </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;\">-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;\">-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 </td><td class=\"startCol-5 endCol-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;\">-6 </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-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;\">-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 zero-dash\" style=\"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-right-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-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 zero-dash\" style=\"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 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 shows that the SCR sensitivities in 2024 are (almost) similar to the sensitivities of 2023. The impact on the ratio is the opposite if a reversed scenario is taken into account. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749549\"><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 Individual life and Funeral 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 an 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. This contains shocks on both the level (experience) and the trend (population) of the mortality table. It projects mortality rates by age and gender. </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. This contains shocks on both the level (experience) and the trend (population) of the mortality table. It projects mortality rates by age and gender. </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, terminations, changes to paid-up status (cessation of premium payment) and surrenders. </p>\n<p>Lapse risk arises from economic losses due to policyholder behaviour deviating from expectations. Insurance contracts typically provide policyholders with a variety of options that they may or may not exercise. Lapse risk is the risk that actual policyholder behaviour deviates from the assumptions built into the reserve calculations. This includes assumptions about lapses, withdrawals, premium payment levels, allocation of funds, and the utilisation of possible options in the products. </p>\n<p>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<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>Prepayment risk on mortgages constitutes an important component of lapse risk; it is the risk of higher or lower prepayments that anticipated, including early redemption rates, thus impacting the value of the mortgage portfolio. Mortgage prepayment risk is divided into two categories: parameter risk (lapse persistency mortgages), which describes financial losses due to adverse misestimation of best estimate prepayment parameter, and contagion risk (lapse contagion liabilities), which describes financial losses due to contagion events causing temporary adverse deviations from best estimate prepayment behaviour. </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\">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 2024: 3.51%) 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>The table summarises the required capital for abovementioned life insurance risks based on the standard model after application of Loss Absorbing Capacity of Technical Provisions (LAC TP). The impact of LAC TP increased in 2024 to \u20ac\u00a0165 million (2023: \u20ac\u00a0156 million). </p>\n<h3 class=\"table-title\">Life insurance risk - required capital </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-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;\"><b>31 December 2024 </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>31 December 2023 </b></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;\">Mortality 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;\">237 </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;\">238 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Longevity risk </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;\">1,855 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">1,792 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Disability-morbidity risk </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;\">24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">20 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Lapse risk </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;\">474 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">464 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Expense risk </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;\">861 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">998 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Revision risk </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;\">0 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">0 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Catastrophe risk </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;\">246 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">181 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Lapse persistency mortgages </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;\">216 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">342 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-middle border-right-1\" style=\"text-align:left;vertical-align:middle;\">Lapse contagion liabilities </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;\">78 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-left-1 border-right-1\" style=\"text-align:right;vertical-align:bottom;\">100 </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;\">Diversification </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;\">-1,234 </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;\">-1,315 </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>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>2,757 </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>2,820 </b></td></tr></tbody></table> <br/>\n<p>For expense risk and lapse persistency mortgages the impact has decreased mainly due to the assumption updates. Catastrophe risk has increased mainly due to the complete modelling of product \u201cDoen Pensioen\u201d and new business \u201cDoen Pensioen\u201d and \u201cWerknemers Pensioen\u201d. </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 2024 </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 2023 </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;\">21,106 </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;\">23,238 </td></tr>\n<tr><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;\">846 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">950 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>21,952 </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>24,188 </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;\">30,640 </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;\">28,426 </td></tr>\n<tr><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;\">1,048 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,040 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>31,687 </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>29,466 </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;\">37,119 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">34,677 </td></tr>\n<tr><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;\">585 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">600 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>37,704 </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>35,277 </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 </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 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>Best estimate </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>88,865 </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>86,341 </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>Risk margin </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>2,478 </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>2,589 </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>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>91,343 </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>88,930 </b></td></tr></tbody></table> <br/>\n<p>In 2024 the technical provision increased with \u20ac\u00a02,413 million. This was mainly caused by the development of economic parameters, which has an upward effect on the BEL of the traditional portfolio, however the growth in the unit linked portfolio is dominant. The risk margin decreased in 2024 with \u20ac\u00a0111 million, mainly due to change in the non-economic assumptions for death rates and expenses. </p>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749550\"><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\u00a0114 million per 31 December 2024. </p>\n<p>Per 31 December 2019, Aegon life entered into an indemnity swap, Sunrise, with Canada Life Reinsurance. The underlying portfolio corresponded to around \u20ac\u00a07.5 billion of liabilities. Per 31 December 2021, Aegon life entered into a new indemnity swap, Solaris, external party is Reinsurance Group of America. The underlying portfolio amounts to approximately \u20ac\u00a05 billion. Both agreements cover the longevity risk associated with Aegon\u2019s policyholders, including deferred pensioners and in-payment policies of pensioners and dependents during the full run-off of these policies. </p>\n<p>Both agreements are collateralised to mitigate any potential counterparty risk and the agreements have no impact on the services and guarantees that Aegon provides to its policyholders. At year-end 2024 \u20ac\u00a0332 million (market value \u20ac\u00a0358 million) has been posted as collateral with respect to the longevity reinsurance contract with Canada Life Reinsurance (2023: \u20ac\u00a0375 million collateral, market value \u20ac\u00a0334 million) and \u20ac\u00a0159 million (market value \u20ac\u00a0161 million) has been posted as collateral with respect to the longevity reinsurance contract with RGA (2023: \u20ac\u00a0200 million collateral, market value \u20ac\u00a0178 million). </p>\n<p>Together, these two agreements mitigate approximately 40% of the longevity risk exposure of Aegon life. As such, these agreements strongly reduce the concentration of Aegon\u2019s risk exposure in longevity risk and help to diversify the risk profile of Aegon life. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2749551\"><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=\"n2749552\"><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>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>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. </p>\n<p>Reserve risk is the risk that the current reserves are insufficient to cover the claims over a 12-month time horizon. </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\">Medical Expense </div>\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>\n<div class=\"header header-3\">Income Protection 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\">Income Protection 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\">Income Protection 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<p>The table summarises the required capital for abovementioned Health insurance risks based on the standard model. </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 2024 </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 2023 </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;\">1,234 </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;\">1,187 </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;\">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;\">499 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">472 </td></tr>\n<tr><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;\">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;\">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;\">-249 </td><td class=\"startCol-3 endCol-3 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=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>1,572 </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>1,508 </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;\">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;\">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;\">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;\">1,021 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">985 </td></tr>\n<tr><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;\">156 </td><td class=\"startCol-3 endCol-3 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-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;\">288 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">276 </td></tr>\n<tr><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;\">296 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">295 </td></tr>\n<tr><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;\">-605 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-581 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>1,234 </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>1,187 </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;\">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;\">162 </td></tr>\n<tr><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;\">403 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">370 </td></tr>\n<tr><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;\">-59 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-60 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>499 </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>472 </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;\">27 </td></tr>\n<tr><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;\">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;\">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;\">38 </td><td class=\"startCol-3 endCol-3 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;\">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;\">-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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>88 </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 2024 </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 2023 </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;\">4,968 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">4,657 </td></tr>\n<tr><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;\">545 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">584 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>5,513 </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>5,241 </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 2024 </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 2023 </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;\">603 </td><td class=\"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;\">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;\">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;\">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\" 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>663 </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>673 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749553\"><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>The 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 2024 </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 2023 </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;\">670 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">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;\">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;\">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;\">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;\">193 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">175 </td></tr>\n<tr><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;\">-177 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-160 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>745 </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>706 </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;\">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;\">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;\">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;\">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;\">91 </td></tr>\n<tr><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;\">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;\">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;\">-87 </td><td class=\"startCol-3 endCol-3 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-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>193 </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>175 </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 2024 </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 2023 </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;\">1,872 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,802 </td></tr>\n<tr><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;\">108 </td><td class=\"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></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>1,980 </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>1,907 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBSUBPARAGRAPH\" id=\"n2749554\"><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. The Individual Health SLT portfolio and a small part (Aegon) of the Group Health SLT portfolio is reinsured by a reinsurance contract. For the a.s.r. part of the portfolio this consists of inactive contracts only, for the Aegon part there is one remaining contract active until 1 January 2026. The reinsuring cash flows concern existing claims and are calculated separately in the cash flows models. </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=\"n2747946\"><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 PIM to calculate the market risks. 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 SF is applied. a.s.r. life, a.s.r. non-life and a.s.r. health use the Solvency II SF to calculate the solvency position. The total market risk is therefore the sum of the SF and IM. </p>\n<p>The table below summarises the required capital for market risks based on the SF and IM and including Deterministic Adjustment (DA). </p>\n<h3 class=\"table-title\">Market risk - required capital </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-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;\"><b>31 December 2024 </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>31 December 2023 </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 rate (volatility) 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;\">1,465 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,281 </td></tr>\n<tr><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 (volatility) 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;\">1,892 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,678 </td></tr>\n<tr><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 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;\">1,709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,602 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Currency 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;\">403 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">Spread 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;\">2,218 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,091 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">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;\">0 </td><td class=\"startCol-3 endCol-3 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=\" cBoderType2\"><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 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,235 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,074 </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>Market 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>5,452 </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>4,803 </b></td></tr></tbody></table> <br/>\n<p>The main market risks of a.s.r. are interest rate, equity, property and spread risk. This is in line with the risk budgets based on the strategic asset allocation study. The total market risk amounted to \u20ac\u00a05,452 million per year-end 2024 (2023: \u20ac\u00a04,803 million). This increase is mainly the result of the increase of the equity portfolio, due to positive returns on equity markets and transactions. </p>\n<p>The total market risk of \u20ac\u00a05,452 million can be split into a SF component of \u20ac\u00a03,485 million (2023: \u20ac\u00a03,086 million) and an IM component of \u20ac\u00a01,966 million (2023: \u20ac\u00a01,716 million). </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 FRC 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 2024 was \u20ac\u00a010,755 million (2023: \u20ac\u00a08,250 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 2024 was \u20ac\u00a0-148 million (2023: \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 excluded in the market risk. Including DA the market risk for 2024 amounted to \u20ac\u00a05,304 million. </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 2024, 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 2024 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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-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;\">-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;\">-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;\">-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% (2024 incl. UFR=3.30% / 2023 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;\">-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;\">-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;\">+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;\">-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;\">+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% (2024 incl. UFR=3.30% / 2023 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;\">+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;\">+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;\">-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;\">+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;\">-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;\">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\" 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;\">-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 -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;\">-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;\">+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;\">+5 </td><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;\">-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;\">Spread shock sovereigns +50bp en VA +8bp (2023: VA +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;\">-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;\">-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;\">+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;\">-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>\n<tr><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;\">-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;\">-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;\">+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;\">+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;\">-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;\">-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;\">-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;\">+14 </td><td class=\"startCol-5 endCol-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 </td><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\" 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;\">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;\">-11 </td><td class=\"startCol-3 endCol-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;\">+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;\">-9 </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-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread widening +75bp en VA +19bp (2023: VA +17bp) </td><td class=\"startCol-2 endCol-2 valign-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;\">+14 </td><td class=\"startCol-4 endCol-4 valign-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;\">-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;\">+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;\">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;\">-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\" 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;\">-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=3.30% for 2024 (UFR=3.45% for 2023). </td></tr>\n<tr><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=3.30% / 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 (UFR=3.30% for 2024 and UFR=3.45% for 2023) 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 +8bp (2023: +10bp). </td></tr>\n<tr><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 +19bp (2023: +17bp) 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=\"n2747972\"><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. </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 profit sharing 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 the FRC 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; </p></li><li>\n<p>In addition, the Solvency II PIM includes a capital requirement for interest rate volatility risk. This is defined as the risk of adverse financial impacts due to the difference in interest rate volatility sensitivity between assets and liabilities. </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. </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </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;\">-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;\">-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;\">-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;\">-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% (2024 incl. UFR=3.30% / 2023 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;\">-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;\">-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;\">+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;\">-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;\">+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% (2024 incl. UFR=3.30% / 2023 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;\">+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;\">+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;\">-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;\">+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;\">-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;\">Interest steepening +10 bp </td><td class=\"startCol-2 endCol-2 valign-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\" 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;\">-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 -10 bp </td><td class=\"startCol-2 endCol-2 valign-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;\">+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;\">+5 </td><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;\">-5 </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747998\"><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, profit-sharing features and fees charged to 'gesepareerde beleggingdepot' (GB) clients. </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 </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-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;\">-7 </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;\">+14 </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;\">+9 </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;\">+3 </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;\">+1 </td></tr></tbody></table> <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 2024 was \u20ac\u00a04,732 million (2023: \u20ac\u00a03,738 million). The increase of the equity portfolio is both due to transactions and positive returns on the equity markets. 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 equity derivatives with a value of \u20ac\u00a0-13 million is in place to mitigate the equity risk. </p>\n<p>The table shows the exposure of the equity portfolio to different categories. The total value is including the equities in externally managed funds. 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">4%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-4" data-z-index="1" transform="translate(34.36923248091531,100.36316814462836)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">36%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-5" data-z-index="1" transform="translate(67.03360180517284,36.66653074871115)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(88.18228974775128,16.50000023841858)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g></g><g class="highcharts-data-labels highcharts-series-1 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(272.24203619345917,47.3136542938638)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">23%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(287.9940039893315,98.06454559622607)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">10%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" 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</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 on the real estate portfolio, calibrated on the portfolio itself as opposed to a 25% shock in the SF. </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 </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-11 </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;\">+2 </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;\">-9 </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;\">-8 </td></tr></tbody></table> <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\u00a09,712 million at year-end 2024 (2023: \u20ac\u00a09,193 million). The increase of the real estate portfolio is both due to transactions and positive returns on the real estate markets. </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\". 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y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>European property</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(142,198,157)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-5" data-z-index="1" transform="translate(256.0195007324219,13)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748050\"><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 provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in mainly American dollars (USD) and Australian dollars (AUD). </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 KLFC 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 2024 </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 2023 </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;\">403 </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;\">226 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF currency risk has increased with \u20ac\u00a0177 million. The increase in currency risk is the result of a changed hedge policy in 2024. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2024 was \u20ac\u00a01,523 million (2023: \u20ac\u00a0772 million). The increase in 2024 (approximately \u20ac\u00a0856 million) is the result of a changed hedge policy in 2024. </p>\n<p>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\". 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style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>SEK</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-6" data-z-index="1" transform="translate(368.6114101409912,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(246,210,135)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748076\"><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 (DVA) 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 19 bps in 2024 (2023: 17 bps). The credit spread sensitivity remained at +7 increase in solvency ratio for a 75 bps spread shock, combined with a 19 bps VA shock. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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 +75 bp / VA +19bp (2023: VA +17bp) </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;\">+15 </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;\">+14 </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;\">-6 </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;\">+7 </td></tr></tbody></table> <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\u00a054,693 million (2023: \u20ac\u00a051,911 million). The portfolio composition is similar to 2023. </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\". 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">2%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(42.79349073859352,117.56174836992983)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">13%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-7" data-z-index="1" transform="translate(19.897967330089124,99.83220608945012)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-8" data-z-index="1" transform="translate(43.7603461570698,53.529366347922924)"><text x="0" data-z-index="1" y="0" 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">2%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(192.5280401996375,115.28322674457894)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">14%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-7" data-z-index="1" transform="translate(170.35264576537986,94.28671641889248)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-8" data-z-index="1" transform="translate(196.46336446146947,51.86476029170259)"><text x="0" data-z-index="1" y="0" 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y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Lower than BBB</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(142,198,157)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-5" data-z-index="1" transform="translate(338.9129695892334,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Not rated</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748102\"><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 2024 (2023: nil). </p>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748128\"><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 cash equivalents </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 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 2024 </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 2023 </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>Type 1 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right 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-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Type 2 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Diversification (negative) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr><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 format-highlight\" 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">369 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">305 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF Counterparty default has increased with \u20ac\u00a064 million. The counterparty risk type 1 is lower compared to previous year, mainly due to the decreased cash position. The counterparty risk type 2 was higher per year-end 2024, mainly due to the increase of the mortgage portfolio. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748206\"><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 in scope of Counterparty default risk was \u20ac\u00a011,846 million at year-end 2024 (2023: \u20ac\u00a010,285 million<sup class=\"footnote cShowTooltip\" title=\"The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million).\">1</sup>). </p>\n<p>Please note that the mortgages 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=\"\" src=\"data:image/svg+xml;base64,<!DOCTYPE svg PUBLIC "-//W3C//DTD SVG 1.1//EN" "http://www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd"><svg version="1.1" class="highcharts-root" style="font-family:'Avenir LT Std',sans-serif;font-size:7.5pt;color:#000000;fill:#000000;" xmlns="http://www.w3.org/2000/svg" width="434.64566929133855" height="193" viewBox="0 0 434.64566929133855 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style="color:#000000;font-weight:300;fill:#000000;"><tspan style="font-weight:bold">31 December 2024</tspan></text><path fill="none" d="M 159.3261709676292 84.62163085456956 L 135.45385685476828 84.26351928410598 M 95.6585621704363 43.87500082533436 L 95.65369947269808 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 34.851246040747924 64.82710567026812 L 57.65702877546745 71.89194104391758 M 135.45324010865687 84.30330616923659 L 159.32518417385097 84.68528987077855" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 91.57006699525147 20.131933523474785 L 93.10629187203216 43.95745845217174 M 57.66882250394511 71.85393729972364 L 34.870116006312166 64.76629967955783" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" 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style="font-weight:bold">31 December 2023</tspan></text><path fill="none" d="M 310.1539165683389 75.60271809765061 L 286.4711978552118 78.62669881103163 M 246.99189550376963 43.87500082533436 L 246.9870328060314 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 183.82538868541945 75.76648124503774 L 207.51586792838717 78.72905077814859 M 286.4762180866302 78.66617252229203 L 310.16194893860825 75.66587603566724" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 235.01418744712035 21.13839512577345 L 239.50886715445023 44.5864969536084 M 207.52082528551713 78.68956912146541 L 183.83332045682744 75.70331059434464" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" 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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 remained stable at 0.04% in 2024 (2023: 0.04%). </p><ol class=\"footnotes\"><li>The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million). </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748232\"><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 9% 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 88% of the portfolio, for which the risk is limited. 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0 0 0 239.54795106321603 44.5790253620946 Z" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="0" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-2"></path><text x="247" y="158.33333333333334" text-anchor="middle" style="color:#000000;font-weight:300;fill:#000000;"><tspan style="font-weight:bold">31 December 2023</tspan></text><path fill="none" d="M 287.5161988642217 34.55575062919813 L 272.32262429013855 52.97234414324883 M 246.99189550376963 43.87500082533436 L 246.9870328060314 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 235.01418744712035 21.13839512577345 L 239.50886715445023 44.5864969536084 M 272.3533059462352 52.997682110478515 L 287.56528951397627 34.59629137676562" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 246.9115682772761 20.00006141497399 L 246.94473017329756 43.875038384358746 M 239.54795106321603 44.5790253620946 L 235.07672170114566 21.12644057935136" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-2"></path></g><g class="highcharts-markers highcharts-series-1 highcharts-pie-series" data-z-index="0.1" opacity="1" transform="translate(-20,0) scale(1 1)"></g></g><text x="0" text-anchor="start" class="highcharts-title" data-z-index="4" style="color:#000000;font-size:8.5pt;font-family:'Avenir LT Std',sans-serif;font-weight:700;fill:#000000;" y="8"></text><text x="0" text-anchor="start" class="highcharts-subtitle" data-z-index="4" style="color:#000000;font-size:12px;fill:#000000;" y="14"></text><text x="0" text-anchor="start" class="highcharts-caption" data-z-index="4" style="color:#666666;fill:#666666;" y="172"></text><g class="highcharts-data-labels highcharts-series-0 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(103.16664812142874,35.606778346023354)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">9%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(75.5688229489873,138.00785130272962)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">88%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(81.6781927811665,16.804486197454587)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-data-labels highcharts-series-1 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(254.74242982371942,36.666530276251166)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(223.73877181741494,137.3200616380998)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">86%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(233.01153742383548,16.80448604548025)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-legend" data-z-index="7" transform="translate(0,162)"><rect fill="none" class="highcharts-legend-box" rx="0" ry="0" x="0" y="0" width="442" height="21" visibility="visible"></rect><g data-z-index="1"><g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-0" data-z-index="1" transform="translate(8,3)"><text x="20" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2" y="13"><tspan>Counterparty SPV</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(237,165,15)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-1" data-z-index="1" transform="translate(126.69957733154297,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Agreement cession-retrocession</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(74,178,134)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-2" data-z-index="1" transform="translate(309.32918548583984,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(157,157,157)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748310\"><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. In addition, a sizeable part of the interest-rate swap portfolio (and virtually all new interest rate swaps) are centrally cleared, which significantly reduces counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748284\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers. When entering into reinsurance contracts 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 shows the exposure to reinsurers which are in scope of counterparty default risk. The total exposure to reinsurers at year-end 2024 was \u20ac\u00a0340 million (2023: \u20ac\u00a0355 million). Counterparty default risk is immaterial for Aegon life\u2019s reinsurance exposure and therefore not in scope of the Composition table. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </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 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 2024 </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 2023 </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;\">87% </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;\">11% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">10% </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;\">2% </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=\"n2748258\"><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\u00a02,317 million at year-end 2024. This mainly consists of insurance and intermediaries receivables (\u20ac\u00a0232 million), reinsurance receivables (\u20ac\u00a021 million) and other (non-insurance) receivables (\u20ac\u00a02,064 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748154\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts in scope of counterparty default risk amounted \u20ac\u00a02,494 million in 2024 (2023: \u20ac\u00a04,303 million), this excludes commercial papers. </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 2024 </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 2023 </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;\">40 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">773 </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;\">176 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">514 </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;\">2,278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">3,017 </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;\">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>2,494 </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>4,303 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748180\"><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\">Changes in loss allowance of 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>2024 </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\" 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><td class=\"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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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 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>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance of mortgage loans measured at amortised cost </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-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2024 </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\" 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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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><td class=\"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;\">-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;\">-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-right-1 border-top-1 format-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-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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></tr>\n<tr><td class=\"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\" 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;\">3 </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;\">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\" 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-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\" 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\" 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 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>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance private loans measured at amortised cost </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%;\"/></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>2024 </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\" 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;\">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;\">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;\">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;\">-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;\">-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;\">-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 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\"><td class=\"startCol-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 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-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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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 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-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;\">Stage transfers </td><td class=\"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;\">3 </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 </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-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;\">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\" 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\" 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-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;\">Repayments </td><td class=\"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\" 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 zero-dash\" style=\"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\" 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\" 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\" 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 zero-dash\" style=\"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\" 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\" 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-top-1 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-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;\">Other changes </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 </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-right-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-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-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>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\" 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\" 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\" 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 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>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\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">874 </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;\">874 </td></tr>\n<tr><td class=\"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;\">-874 </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;\">-874 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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 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>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">14,121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </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;\">18 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,552 </td></tr>\n<tr><td class=\"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;\">34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </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;\">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;\">408 </td><td 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 </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;\">410 </td></tr>\n<tr><td class=\"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;\">-322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">-330 </td></tr>\n<tr><td class=\"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;\">-11,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-320 </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;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,063 </td></tr>\n<tr><td class=\"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;\">55 </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;\">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-top-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-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>2,566 </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>55 </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 </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>2,624 </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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\" 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\" 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 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\" 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\" 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 zero-dash\" style=\"text-align: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><td class=\"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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">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;\">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 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;\">-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;\">-155 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-6 </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;\">-179 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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>9 </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-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>9 </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%;\"/></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 zero-dash\" 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 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 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\" 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\" 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\" 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 zero-dash\" style=\"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><td class=\"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\" 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 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-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><td class=\"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\" 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\" 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\" 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\" 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;\">-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\" 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 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-right-1 border-top-1\" 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\" 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\" 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 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 </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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>188 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748336\"><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 medium-tolong-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>a.s.r. experienced changes in the liquidity as a result of cash variation margin in- and outflow related to the ISDA/CSA- and Clearing agreements of derivatives. Cash outflow was financed by returning earlier received cash collateral to counterparties and, when necessary, by liquidating assets. As at 31 December 2024 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 strategic 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 overnight liquidity (directly available) 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 treasury mandate, 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 2024, a.s.r. had cash (\u20ac\u00a03,372 million), short-term secured deposits (\u20ac\u00a0653 million) and liquid government bonds (\u20ac\u00a015,775 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 2024 </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;\">712 </td><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;\">4,352 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,731 </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;\">23,847 </td><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;\">75,592 </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;\">102,633 </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;\">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;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,012 </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;\">1,292 </td><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;\">6,001 </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;\">5,037 </td></tr>\n<tr><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;\">768 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,091 </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;\">1,996 </td><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;\">3,310 </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;\">8,666 </td></tr>\n<tr><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;\">4,397 </td><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;\">1,448 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,322 </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;\">1,052 </td><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;\">3,070 </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;\">11,312 </td></tr>\n<tr><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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">750 </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;\">746 </td><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;\">1,226 </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-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>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>5,109 </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>6,922 </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>34,906 </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>28,932 </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>89,199 </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>127,647 </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 2023 </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\" 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\" 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\" 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\" 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\" 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\" 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 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;\">122 </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;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,289 </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;\">6,388 </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;\">5,218 </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 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;\">1,520 </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;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,802 </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;\">4,630 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">9,105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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\" 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;\">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;\">3,950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,535 </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;\">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\" 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,670 </td></tr>\n<tr><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;\">323 </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;\">890 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">672 </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;\">1,315 </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-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>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>13,676 </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>10,072 </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>36,467 </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>30,265 </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>93,558 </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>140,371 </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\u00a013,455 million (2023 \u20ac\u00a011,688 million), 2-3 years \u20ac\u00a05,525 million (2023 \u20ac\u00a05,523 million), 3-4 years \u20ac\u00a05,479 million (2023 \u20ac\u00a05,346 million) and 4-5 years \u20ac\u00a05,271 million (2023 \u20ac\u00a05,260 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=\"n2748362\"><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 2024 </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 2023 </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;\">430 </td><td class=\"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></tbody></table> <br/>\n<p>The SCR for operational risk amounts to \u20ac\u00a0430 million at the end of 2024 (2023: \u20ac\u00a0437 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>There is no benefit of diversification for operational risk. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-748": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2747946\"><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 PIM to calculate the market risks. 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 SF is applied. a.s.r. life, a.s.r. non-life and a.s.r. health use the Solvency II SF to calculate the solvency position. The total market risk is therefore the sum of the SF and IM. </p>\n<p>The table below summarises the required capital for market risks based on the SF and IM and including Deterministic Adjustment (DA). </p>\n<h3 class=\"table-title\">Market risk - required capital </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-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;\"><b>31 December 2024 </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>31 December 2023 </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 rate (volatility) 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;\">1,465 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,281 </td></tr>\n<tr><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 (volatility) 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;\">1,892 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,678 </td></tr>\n<tr><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 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;\">1,709 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,602 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Currency 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;\">403 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">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;\">Spread 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;\">2,218 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,091 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">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;\">0 </td><td class=\"startCol-3 endCol-3 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=\" cBoderType2\"><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 </td><td class=\"startCol-2 endCol-2 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-2,235 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">-2,074 </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>Market 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>5,452 </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>4,803 </b></td></tr></tbody></table> <br/>\n<p>The main market risks of a.s.r. are interest rate, equity, property and spread risk. This is in line with the risk budgets based on the strategic asset allocation study. The total market risk amounted to \u20ac\u00a05,452 million per year-end 2024 (2023: \u20ac\u00a04,803 million). This increase is mainly the result of the increase of the equity portfolio, due to positive returns on equity markets and transactions. </p>\n<p>The total market risk of \u20ac\u00a05,452 million can be split into a SF component of \u20ac\u00a03,485 million (2023: \u20ac\u00a03,086 million) and an IM component of \u20ac\u00a01,966 million (2023: \u20ac\u00a01,716 million). </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 FRC 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 2024 was \u20ac\u00a010,755 million (2023: \u20ac\u00a08,250 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 2024 was \u20ac\u00a0-148 million (2023: \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 excluded in the market risk. Including DA the market risk for 2024 amounted to \u20ac\u00a05,304 million. </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 2024, 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 2024 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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-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;\">-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;\">-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;\">-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% (2024 incl. UFR=3.30% / 2023 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;\">-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;\">-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;\">+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;\">-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;\">+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% (2024 incl. UFR=3.30% / 2023 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;\">+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;\">+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;\">-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;\">+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;\">-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;\">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\" 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;\">-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 -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;\">-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;\">+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;\">+5 </td><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;\">-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;\">Spread shock sovereigns +50bp en VA +8bp (2023: VA +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;\">-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;\">-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;\">+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;\">-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>\n<tr><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;\">-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;\">-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;\">+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;\">+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;\">-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;\">-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;\">-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;\">+14 </td><td class=\"startCol-5 endCol-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 </td><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\" 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;\">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;\">-11 </td><td class=\"startCol-3 endCol-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;\">+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;\">-9 </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-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Spread widening +75bp en VA +19bp (2023: VA +17bp) </td><td class=\"startCol-2 endCol-2 valign-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;\">+14 </td><td class=\"startCol-4 endCol-4 valign-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;\">-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;\">+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;\">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;\">-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\" 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;\">-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=3.30% for 2024 (UFR=3.45% for 2023). </td></tr>\n<tr><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=3.30% / 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 (UFR=3.30% for 2024 and UFR=3.45% for 2023) 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 +8bp (2023: +10bp). </td></tr>\n<tr><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 +19bp (2023: +17bp) 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=\"n2747972\"><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. </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 profit sharing 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 the FRC 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; </p></li><li>\n<p>In addition, the Solvency II PIM includes a capital requirement for interest rate volatility risk. This is defined as the risk of adverse financial impacts due to the difference in interest rate volatility sensitivity between assets and liabilities. </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. </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </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;\">-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;\">-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;\">-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;\">-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% (2024 incl. UFR=3.30% / 2023 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;\">-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;\">-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;\">+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;\">-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;\">+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% (2024 incl. UFR=3.30% / 2023 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;\">+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;\">+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;\">-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;\">+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;\">-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;\">Interest steepening +10 bp </td><td class=\"startCol-2 endCol-2 valign-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\" 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;\">-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 -10 bp </td><td class=\"startCol-2 endCol-2 valign-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;\">+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;\">+5 </td><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;\">-5 </td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747998\"><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, profit-sharing features and fees charged to 'gesepareerde beleggingdepot' (GB) clients. </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 </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-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;\">-7 </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;\">+14 </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;\">+9 </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;\">+3 </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;\">+1 </td></tr></tbody></table> <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 2024 was \u20ac\u00a04,732 million (2023: \u20ac\u00a03,738 million). The increase of the equity portfolio is both due to transactions and positive returns on the equity markets. 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 equity derivatives with a value of \u20ac\u00a0-13 million is in place to mitigate the equity risk. </p>\n<p>The table shows the exposure of the equity portfolio to different categories. The total value is including the equities in externally managed funds. 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">4%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-4" data-z-index="1" transform="translate(34.36923248091531,100.36316814462836)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">36%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-5" data-z-index="1" transform="translate(67.03360180517284,36.66653074871115)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(88.18228974775128,16.50000023841858)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g></g><g class="highcharts-data-labels highcharts-series-1 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(272.24203619345917,47.3136542938638)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">23%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(287.9940039893315,98.06454559622607)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">10%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" 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</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 on the real estate portfolio, calibrated on the portfolio itself as opposed to a 25% shock in the SF. </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 </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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;\">-11 </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;\">+2 </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;\">-9 </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;\">-8 </td></tr></tbody></table> <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\u00a09,712 million at year-end 2024 (2023: \u20ac\u00a09,193 million). The increase of the real estate portfolio is both due to transactions and positive returns on the real estate markets. </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\". 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y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>European property</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(142,198,157)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-5" data-z-index="1" transform="translate(256.0195007324219,13)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748050\"><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 provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in mainly American dollars (USD) and Australian dollars (AUD). </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 KLFC 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 2024 </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 2023 </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;\">403 </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;\">226 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF currency risk has increased with \u20ac\u00a0177 million. The increase in currency risk is the result of a changed hedge policy in 2024. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2024 was \u20ac\u00a01,523 million (2023: \u20ac\u00a0772 million). The increase in 2024 (approximately \u20ac\u00a0856 million) is the result of a changed hedge policy in 2024. </p>\n<p>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\". 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style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>SEK</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-6" data-z-index="1" transform="translate(368.6114101409912,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(246,210,135)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748076\"><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 (DVA) 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 19 bps in 2024 (2023: 17 bps). The credit spread sensitivity remained at +7 increase in solvency ratio for a 75 bps spread shock, combined with a 19 bps VA shock. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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 +75 bp / VA +19bp (2023: VA +17bp) </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;\">+15 </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;\">+14 </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;\">-6 </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;\">+7 </td></tr></tbody></table> <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\u00a054,693 million (2023: \u20ac\u00a051,911 million). The portfolio composition is similar to 2023. </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\". 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">2%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(42.79349073859352,117.56174836992983)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">13%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-7" data-z-index="1" transform="translate(19.897967330089124,99.83220608945012)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-8" data-z-index="1" transform="translate(43.7603461570698,53.529366347922924)"><text x="0" data-z-index="1" y="0" 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">2%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(192.5280401996375,115.28322674457894)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">14%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-7" data-z-index="1" transform="translate(170.35264576537986,94.28671641889248)" style="visibility: hidden;"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">0%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-8" data-z-index="1" transform="translate(196.46336446146947,51.86476029170259)"><text x="0" data-z-index="1" y="0" 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y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Lower than BBB</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(142,198,157)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-5" data-z-index="1" transform="translate(338.9129695892334,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Not rated</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748102\"><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 2024 (2023: nil). </p>",
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    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
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    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
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   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748050\"><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 provides an overview of the currencies with the largest exposures. a.s.r. has currency risk to insurance products in mainly American dollars (USD) and Australian dollars (AUD). </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 KLFC 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 2024 </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 2023 </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;\">403 </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;\">226 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF currency risk has increased with \u20ac\u00a0177 million. The increase in currency risk is the result of a changed hedge policy in 2024. </p>\n<div class=\"header header-2\">Specification currencies with largest exposure </div>\n<p>The total foreign exchange exposure at year-end 2024 was \u20ac\u00a01,523 million (2023: \u20ac\u00a0772 million). The increase in 2024 (approximately \u20ac\u00a0856 million) is the result of a changed hedge policy in 2024. </p>\n<p>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\". 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stroke-linejoin="round" class="highcharts-point highcharts-color-6"></path></g><g class="highcharts-markers highcharts-series-1 highcharts-pie-series" data-z-index="0.1" opacity="1" transform="translate(-20,0) scale(1 1)"></g></g><text x="0" text-anchor="start" class="highcharts-title" data-z-index="4" style="color:#000000;font-size:8.5pt;font-family:'Avenir LT Std',sans-serif;font-weight:700;fill:#000000;" y="8"></text><text x="0" text-anchor="start" class="highcharts-subtitle" data-z-index="4" style="color:#000000;font-size:12px;fill:#000000;" y="14"></text><text x="0" text-anchor="start" class="highcharts-caption" data-z-index="4" style="color:#666666;fill:#666666;" y="172"></text><g class="highcharts-data-labels highcharts-series-0 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(136.70878279143534,97.85481895355711)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">57%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(58.01692238641799,129.4487355660238)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">7%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(41.89963489210765,111.5540000668621)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">8%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-3" data-z-index="1" transform="translate(19.142570480728374,95.27572371191548)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-4" data-z-index="1" transform="translate(18.564430355940523,84.47540774664763)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">2%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-5" data-z-index="1" transform="translate(20.080225526983654,71.60954244123285)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">4%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-6" data-z-index="1" transform="translate(53.99674264804837,43.65213293415073)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" 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style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-3" data-z-index="1" transform="translate(189.93751734514439,135.08653404656403)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-4" data-z-index="1" transform="translate(181.6145635693488,124.86891981316204)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-5" data-z-index="1" transform="translate(188.66350344669468,100.36316901972395)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" 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   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748076\"><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 (DVA) 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 19 bps in 2024 (2023: 17 bps). The credit spread sensitivity remained at +7 increase in solvency ratio for a 75 bps spread shock, combined with a 19 bps VA shock. </p>\n<h3 class=\"table-title\">Solvency II sensitivities - spread risk </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 2024 </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 2023 </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 2024 </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 2023 </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 2024 </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 2023 </th></tr></thead><tbody>\n<tr><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 +75 bp / VA +19bp (2023: VA +17bp) </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;\">+15 </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;\">+14 </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;\">-6 </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;\">+7 </td></tr></tbody></table> <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\u00a054,693 million (2023: \u20ac\u00a051,911 million). The portfolio composition is similar to 2023. </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\". 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y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Lower than BBB</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(142,198,157)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-5" data-z-index="1" transform="translate(338.9129695892334,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Not rated</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(197,197,197)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2748128\"><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 cash equivalents </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 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 2024 </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 2023 </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>Type 1 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right 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-top-1\" style=\"text-align:right;vertical-align:bottom;\">190 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Type 2 </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">234 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">136 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left\" style=\"text-align:left;vertical-align:bottom;\"><b>Diversification (negative) </b></td><td class=\"startCol-2 endCol-2 valign-bottom align-right format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-24 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">-20 </td></tr>\n<tr><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 format-highlight\" 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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom align-left border-bottom-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 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">369 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1\" style=\"text-align:right;vertical-align:bottom;\">305 </td></tr></tbody></table> <br/>\n<p>In 2024 the Solvency II SF Counterparty default has increased with \u20ac\u00a064 million. The counterparty risk type 1 is lower compared to previous year, mainly due to the decreased cash position. The counterparty risk type 2 was higher per year-end 2024, mainly due to the increase of the mortgage portfolio. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748206\"><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 in scope of Counterparty default risk was \u20ac\u00a011,846 million at year-end 2024 (2023: \u20ac\u00a010,285 million<sup class=\"footnote cShowTooltip\" title=\"The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million).\">1</sup>). </p>\n<p>Please note that the mortgages 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=\"\" src=\"data:image/svg+xml;base64,<!DOCTYPE svg PUBLIC "-//W3C//DTD SVG 1.1//EN" "http://www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd"><svg version="1.1" class="highcharts-root" style="font-family:'Avenir LT Std',sans-serif;font-size:7.5pt;color:#000000;fill:#000000;" xmlns="http://www.w3.org/2000/svg" width="434.64566929133855" height="193" viewBox="0 0 434.64566929133855 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style="color:#000000;font-weight:300;fill:#000000;"><tspan style="font-weight:bold">31 December 2024</tspan></text><path fill="none" d="M 159.3261709676292 84.62163085456956 L 135.45385685476828 84.26351928410598 M 95.6585621704363 43.87500082533436 L 95.65369947269808 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 34.851246040747924 64.82710567026812 L 57.65702877546745 71.89194104391758 M 135.45324010865687 84.30330616923659 L 159.32518417385097 84.68528987077855" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 91.57006699525147 20.131933523474785 L 93.10629187203216 43.95745845217174 M 57.66882250394511 71.85393729972364 L 34.870116006312166 64.76629967955783" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" 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style="font-weight:bold">31 December 2023</tspan></text><path fill="none" d="M 310.1539165683389 75.60271809765061 L 286.4711978552118 78.62669881103163 M 246.99189550376963 43.87500082533436 L 246.9870328060314 20.000001320534984" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-0"></path><path fill="none" d="M 183.82538868541945 75.76648124503774 L 207.51586792838717 78.72905077814859 M 286.4762180866302 78.66617252229203 L 310.16194893860825 75.66587603566724" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-1"></path><path fill="none" d="M 235.01418744712035 21.13839512577345 L 239.50886715445023 44.5864969536084 M 207.52082528551713 78.68956912146541 L 183.83332045682744 75.70331059434464" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" 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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 remained stable at 0.04% in 2024 (2023: 0.04%). </p><ol class=\"footnotes\"><li>The 2023 figure is adjusted compared to the 2023 report (\u20ac\u00a09,975 million) for participations in Aegon mortgages (impact \u20ac\u00a0+310 million). </li></ol>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748232\"><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 9% 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 88% of the portfolio, for which the risk is limited. 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highcharts-color-1"></path><path fill="none" d="M 246.9115682772761 20.00006141497399 L 246.94473017329756 43.875038384358746 M 239.54795106321603 44.5790253620946 L 235.07672170114566 21.12644057935136" transform="translate(0,0)" stroke="#FFFFFF" stroke-width="1" opacity="1" stroke-linejoin="round" class="highcharts-point highcharts-color-2"></path></g><g class="highcharts-markers highcharts-series-1 highcharts-pie-series" data-z-index="0.1" opacity="1" transform="translate(-20,0) scale(1 1)"></g></g><text x="0" text-anchor="start" class="highcharts-title" data-z-index="4" style="color:#000000;font-size:8.5pt;font-family:'Avenir LT Std',sans-serif;font-weight:700;fill:#000000;" y="8"></text><text x="0" text-anchor="start" class="highcharts-subtitle" data-z-index="4" style="color:#000000;font-size:12px;fill:#000000;" y="14"></text><text x="0" text-anchor="start" class="highcharts-caption" data-z-index="4" style="color:#666666;fill:#666666;" y="172"></text><g class="highcharts-data-labels highcharts-series-0 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(103.16664812142874,35.606778346023354)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">9%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(75.5688229489873,138.00785130272962)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">88%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(81.6781927811665,16.804486197454587)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-data-labels highcharts-series-1 highcharts-pie-series" data-z-index="6" opacity="1" transform="translate(-20,0) scale(1 1)"><g class="highcharts-label highcharts-data-label highcharts-data-label-color-0" data-z-index="1" transform="translate(254.74242982371942,36.666530276251166)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">11%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-1" data-z-index="1" transform="translate(223.73877181741494,137.3200616380998)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">86%</tspan></text></g><g class="highcharts-label highcharts-data-label highcharts-data-label-color-2" data-z-index="1" transform="translate(233.01153742383548,16.80448604548025)"><text x="0" data-z-index="1" y="0" style="color:#000000;font-size:7.5pt;font-weight:bold;fill:#000000;"><tspan x="0" y="0">3%</tspan></text></g></g><g class="highcharts-legend" data-z-index="7" transform="translate(0,162)"><rect fill="none" class="highcharts-legend-box" rx="0" ry="0" x="0" y="0" width="442" height="21" visibility="visible"></rect><g data-z-index="1"><g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-0" data-z-index="1" transform="translate(8,3)"><text x="20" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2" y="13"><tspan>Counterparty SPV</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(237,165,15)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-1" data-z-index="1" transform="translate(126.69957733154297,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Agreement cession-retrocession</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(74,178,134)" class="highcharts-point" data-z-index="3"></rect></g><g class="highcharts-legend-item highcharts-pie-series highcharts-color-2" data-z-index="1" transform="translate(309.32918548583984,3)"><text x="20" y="13" style="color:#000000;cursor:pointer;font-size:7.5pt;font-weight:300;margin-bottom:12px;line-height:9pt;fill:#000000;" text-anchor="start" data-z-index="2"><tspan>Other</tspan></text><rect x="0" y="6" width="15" height="8" fill="rgb(157,157,157)" class="highcharts-point" data-z-index="3"></rect></g></g></g></g></svg>\" style=\"width:100%;\"/>\n</div>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748310\"><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. In addition, a sizeable part of the interest-rate swap portfolio (and virtually all new interest rate swaps) are centrally cleared, which significantly reduces counterparty default risk. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748284\"><span class=\"number\">7.8.4.4 </span><span class=\"title-text\">Reinsurance </span></h1>\n<p>a.s.r. collaborates with reinsurers. When entering into reinsurance contracts 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 shows the exposure to reinsurers which are in scope of counterparty default risk. The total exposure to reinsurers at year-end 2024 was \u20ac\u00a0340 million (2023: \u20ac\u00a0355 million). Counterparty default risk is immaterial for Aegon life\u2019s reinsurance exposure and therefore not in scope of the Composition table. </p>\n<h3 class=\"table-title\">Composition reinsurance counterparties by rating </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 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 2024 </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 2023 </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;\">87% </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;\">11% </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">10% </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;\">2% </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=\"n2748258\"><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\u00a02,317 million at year-end 2024. This mainly consists of insurance and intermediaries receivables (\u20ac\u00a0232 million), reinsurance receivables (\u20ac\u00a021 million) and other (non-insurance) receivables (\u20ac\u00a02,064 million). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748154\"><span class=\"number\">7.8.4.6 </span><span class=\"title-text\">Cash and cash equivalents </span></h1>\n<p>The current accounts in scope of counterparty default risk amounted \u20ac\u00a02,494 million in 2024 (2023: \u20ac\u00a04,303 million), this excludes commercial papers. </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 2024 </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 2023 </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;\">40 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-top-1\" style=\"text-align:right;vertical-align:bottom;\">773 </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;\">176 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">514 </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;\">2,278 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right\" style=\"text-align:right;vertical-align:bottom;\">3,017 </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;\">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>2,494 </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>4,303 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2748180\"><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\">Changes in loss allowance of 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>2024 </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\" 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><td class=\"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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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 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>1 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance of mortgage loans measured at amortised cost </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-left-1 border-right-1 headrow headrow-last\" scope=\"col\" style=\"text-align:left;vertical-align:bottom;\"><b>2024 </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\" 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-right-1 border-top-1 format-highlight zero-dash\" style=\"text-align: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><td class=\"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;\">-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;\">-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-right-1 border-top-1 format-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-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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 </td></tr>\n<tr><td class=\"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 zero-dash\" 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 </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></tr>\n<tr><td class=\"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\" 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;\">3 </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;\">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\" 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-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\" 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\" 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 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>3 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in loss allowance private loans measured at amortised cost </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%;\"/></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>2024 </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\" 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;\">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;\">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;\">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;\">-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;\">-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;\">-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 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\"><td class=\"startCol-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 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-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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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 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-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;\">Stage transfers </td><td class=\"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;\">3 </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 </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-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;\">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\" 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\" 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-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;\">Repayments </td><td class=\"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\" 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 zero-dash\" style=\"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\" 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\" 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\" 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 zero-dash\" style=\"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\" 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\" 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-top-1 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-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;\">Other changes </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 </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-right-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-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-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>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\" 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\" 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\" 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 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>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\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">874 </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;\">874 </td></tr>\n<tr><td class=\"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;\">-874 </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;\">-874 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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 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 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 zero-dash\" style=\"text-align:right;vertical-align:bottom;\"><b>- </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">-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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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 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>874 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">14,121 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">414 </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;\">18 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">14,552 </td></tr>\n<tr><td class=\"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;\">34 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-34 </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;\">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;\">408 </td><td 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 </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;\">410 </td></tr>\n<tr><td class=\"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;\">-322 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-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-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;\">-330 </td></tr>\n<tr><td class=\"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;\">-11,730 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-320 </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;\">-13 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-12,063 </td></tr>\n<tr><td class=\"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;\">55 </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;\">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-top-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-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>2,566 </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>55 </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 </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>2,624 </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%;\"/></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 zero-dash\" 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;\">- </td></tr>\n<tr><td class=\"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\" 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\" 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\" 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 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\" 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\" 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 zero-dash\" style=\"text-align: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><td class=\"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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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 zero-dash\" style=\"text-align: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;\">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\" 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-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\" 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\" 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\" 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\" style=\"text-align:right;vertical-align:bottom;\"><b>14,552 </b></td></tr></tbody></table> <br/>\n<h3 class=\"table-title\">Changes in gross carrying amounts of 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>2024 </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\" style=\"text-align:right;vertical-align:bottom;\">164 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">6 </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;\">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;\">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 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;\">-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;\">-155 </td><td 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\" style=\"text-align:right;vertical-align:bottom;\">-6 </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;\">-179 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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>9 </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-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>9 </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%;\"/></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 zero-dash\" 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 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 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\" 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\" 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\" 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 zero-dash\" style=\"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><td class=\"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\" 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 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-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><td class=\"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\" 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\" 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\" 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\" 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;\">-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\" 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 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-right-1 border-top-1\" 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\" 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\" 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 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 </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 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-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\"><td class=\"startCol-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\" 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\" 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\" 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\" 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\" 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-756": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748336\"><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 medium-tolong-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>a.s.r. experienced changes in the liquidity as a result of cash variation margin in- and outflow related to the ISDA/CSA- and Clearing agreements of derivatives. Cash outflow was financed by returning earlier received cash collateral to counterparties and, when necessary, by liquidating assets. As at 31 December 2024 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 strategic 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 overnight liquidity (directly available) 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 treasury mandate, 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 2024, a.s.r. had cash (\u20ac\u00a03,372 million), short-term secured deposits (\u20ac\u00a0653 million) and liquid government bonds (\u20ac\u00a015,775 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 2024 </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;\">712 </td><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;\">4,352 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">29,731 </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;\">23,847 </td><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;\">75,592 </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;\">102,633 </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;\">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;\">125 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,012 </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;\">1,292 </td><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;\">6,001 </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;\">5,037 </td></tr>\n<tr><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;\">768 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">2,091 </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;\">1,996 </td><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;\">3,310 </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;\">8,666 </td></tr>\n<tr><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;\">4,397 </td><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;\">1,448 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">1,322 </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;\">1,052 </td><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;\">3,070 </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;\">11,312 </td></tr>\n<tr><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;\">228 </td><td class=\"startCol-4 endCol-4 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">750 </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;\">746 </td><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;\">1,226 </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-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>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>5,109 </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>6,922 </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>34,906 </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>28,932 </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>89,199 </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>127,647 </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 2023 </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\" 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\" 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\" 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\" 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\" 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\" 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 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;\">122 </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;\">999 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">1,289 </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;\">6,388 </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;\">5,218 </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 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;\">1,520 </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;\">2,508 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,802 </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;\">4,630 </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;\">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\" style=\"text-align:right;vertical-align:bottom;\">9,105 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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\" 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\" 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\" 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\" 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;\">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;\">3,950 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">2,535 </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;\">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\" 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\" 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-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">13,670 </td></tr>\n<tr><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;\">323 </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;\">890 </td><td class=\"startCol-5 endCol-5 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">672 </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;\">1,315 </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-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>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>13,676 </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>10,072 </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>36,467 </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>30,265 </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>93,558 </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>140,371 </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\u00a013,455 million (2023 \u20ac\u00a011,688 million), 2-3 years \u20ac\u00a05,525 million (2023 \u20ac\u00a05,523 million), 3-4 years \u20ac\u00a05,479 million (2023 \u20ac\u00a05,346 million) and 4-5 years \u20ac\u00a05,271 million (2023 \u20ac\u00a05,260 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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-760": {
   "value": "\n<h1 class=\"S_PARAGRAPH\" id=\"n2748519\"><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 supports at least 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 198% at 31 December 2024 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 2024, no dividend or capital withdrawals have taken place. </p>\n<p>The graph shows how the eligible own funds of a.s.r. relate to the different capital targets. </p>\n<div class=\"figure-container\" style=\"width:50%\"><img alt=\"\" class=\"figure\" 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\" style=\"width:960px;\"/>\n</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-475": {
   "value": "1.96",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "ixv-476": {
   "value": "409000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "ixv-762": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n2746630\"><span class=\"number\">7.10 </span><span class=\"title-text\">Operating result </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=\"#n2748492\" title=\"Capital management\">section 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=\"#n2746807\" title=\"Segmented income statement and operating result\">section 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<p>In 2024 a.s.r. made the following amendments to the operating result: </p><ul><li>\n<p>The result of pre-recognition interest rate hedged developments prior to initial CSM recognition. The impact of this amendment is \u20ac\u00a018 million on the operating result for 2024; </p></li><li>\n<p>In the Operating Investment and Finance Result (OIFR) calculation, the interest accretion on the CSM is aligned with the interest accretion under IFRS. The impact of this amendment is \u20ac\u00a035 million on the operating result for 2024; </p></li><li>\n<p>The treatment of intercompany transactions and eliminations between group companies in continued and discontinued operations. The impact of this amendment is \u20ac\u00a013 million on the operating result for 2024. </p></li></ul>\n<p>Additional information on these amendments is presented in the subsequent sections in this paragraph. </p>\n<div class=\"header header-1\">Definition of operating result </div>\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 insurance service result: </b></p><ul><li>\n<p>The impact of changes to future services on onerous contracts; </p></li><li>\n<p>The impact of changes of inflation on the Liability for Incurred Claims; </p></li><li>\n<p>The amortisation of pre recognition interest rate hedged developments prior to initial CSM recognition. With effect from 2024, when a.s.r. explicitly hedges pre recognition interest movements to protect the profitability of new business Level of Aggration (LoA), the valuation of this interest rate hedge as per date of initial recognition CSM will be added to CSM of this new business LoA. Consequently, the interest hedge will be amortised over the remaining period of the LoA, equal to the period of release of the CSM of the respective LoA.; </p></li></ul>\n<p>2. <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) and 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>3. <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 treatment of intercompany transactions and eliminations between group companies has been split into continued and discontinued operations. In cases where the a.s.r. group continues to provide services to a discontinued operation subsequent to the disposal, the elimination of intragroup transactions between the continuing operations and the discontinued operation before the disposal will be treated in a way that reflects the continuance of these transactions, and as such impacts the operating result. This could have an impact on insurance service result, investment and finance result and other adjustments and incidental items. </p>\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 discontinued operations and 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 17 (2022-2024) is shown separately. </p>\n<div class=\"header header-2\">IFRS 17 result versus operating result </div>\n<div class=\"figure-container\" style=\"width:50%\"><img alt=\"\" class=\"figure\" src=\"data:image/png;base64,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\" style=\"width:498px;\"/>\n</div>\n<p>The three-year comparison of 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 and 2024, 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). The 2023 have been restated due to the sale of Knab. </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;\">2024 </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;\">2023 </th></tr></thead><tbody>\n<tr><td 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>1,447 </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>1,278 </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;\">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;\">-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-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">173 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" style=\"text-align:right;vertical-align:bottom;\">611 </td></tr>\n<tr><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;\">-158 </td><td class=\"startCol-3 endCol-3 valign-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1\" 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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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>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>1,428 </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>973 </b></td></tr></tbody></table> <br/>\n<p>In 2023 and 2024, 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<p>In 2024, adjustments related to the insurance service result (<span style=\"white-space:nowrap;\">\u20ac\u00a05 million</span>) mainly consist of changes to future services as part of losses on onerous contracts. </p>\n<p>Adjustments related to the investment and finance result (<span style=\"white-space:nowrap;\">\u20ac\u00a0173 million</span>) were mainly related to revaluations due to market developments to arrive at normalised investment returns in the operating result. </p>\n<p>Adjustments related to the other result of <span style=\"white-space:nowrap;\">\u20ac\u00a0-158 million</span> mainly consist of the following items: </p><ul><li>\n<p>the cost of integration of Aegon NL (<span style=\"white-space:nowrap;\">\u20ac\u00a0- 83 million</span>) </p></li><li>\n<p>restructuring provision expenses (<span style=\"white-space:nowrap;\">\u20ac\u00a0- 27 million</span>); </p></li><li>\n<p>amortisation of other intangible assets identified in business combinations (<span style=\"white-space:nowrap;\">\u20ac\u00a0- 42 million</span>). </p></li></ul>\n<p>In 2023, adjustments related to the insurance service result (\u20ac\u00a0-75\u00a0million) mainly consist of the noneconomic assumption update for inflation in the liability of incurred claims of Disability (\u20ac\u00a0-87\u00a0million). </p>\n<p>The IFRS result before tax in 2023 (<span style=\"white-space:nowrap;\">\u20ac\u00a01,278 million</span>) is primarily adjusted in relation to the investment and finance result (\u20ac\u00a0611 million) which 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>)\u00a0million mainly consist of provisions made following the agreement with claim organisations on Unit Linked-life insurance transparency of in total \u20ac\u00a0300 million which includes an additional provision of \u20ac\u00a050 million to facilitate individual claims of customers in distressing situations. This was partly offset by the purchase gain on the Aegon transaction. </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-763": {
   "value": "\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_CHAPTER\" id=\"n2746879\"><span class=\"number\">7.11 </span><span class=\"title-text\">Company financial statements </span></h1>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746897\"><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: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 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 2024 </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 2023 (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></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;\">295 </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;\">363 </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;\">230 </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;\">256 </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;\">10,660 </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;\">11,478 </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;\">123 </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;\">378 </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;\">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;\">252 </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;\">596 </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>11,560 </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>13,072 </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></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></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;\">6,391 </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;\">6,154 </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;\">715 </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;\">121 </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>7,106 </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>6,276 </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></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 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>18,666 </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>19,348 </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></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></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;\">34 </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;\">4,070 </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;\">857 </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;\">842 </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;\">-175 </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></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;\">3,402 </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;\">2,830 </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;\">-109 </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;\">-7 </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><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;\">946 </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>1,086 </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>-245 </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>-228 </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;\">701 </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;\">858 </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>8,779 </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>8,339 </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;\">1,007 </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>1,004 </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>9,786 </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>9,343 </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></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></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;\">5,036 </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;\">5,218 </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;\">79 </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;\">84 </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>5,115 </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>5,302 </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></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></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;\">2,007 </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></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;\">826 </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;\">845 </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;\">208 </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;\">1,001 </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;\">430 </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;\">319 </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>3,470 </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>4,169 </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></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></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 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;\">200 </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;\">295 </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;\">334 </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>295 </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>534 </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></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>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>18,666 </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>19,348 </b></td></tr></tbody></table> <br/>\n<p>The numbers following the line items refer to the relevant sections in the notes to the company financial statements. </p>\n<div class=\"tanPageBreak start-node\"> </div>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746915\"><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;\">2024 </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;\">2023 </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;\">-279 </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;\">-211 </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 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;\">-1 </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;\">-1 </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;\">1 </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;\">124 </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;\">1,402 </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;\">1,115 </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;\">225 </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;\">72 </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;\">10 </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;\">21 </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;\">-255 </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;\">-101 </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>1,104 </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>1,016 </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;\">81 </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;\">70 </td></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Result after tax from continuing operations </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-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>1,185 </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>1,086 </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></tr>\n<tr class=\"cBold\"><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\"><b>Discontinued operations </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></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Result after tax from discontinued operations </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-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\">-240 </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=\" 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>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-bottom align-right border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:right;vertical-align:bottom;\"><b>946 </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>1,086 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_PARAGRAPH\" id=\"n2746933\"><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=\"n2746951\"><span class=\"title-text\">7.11.3.1 Changes in comparative figures </span></h1>\n<p>The impact of these changes on a.s.r.\u2019s profit before tax and shareholders returns is summarised in <a href=\"#n2746016\" title=\"Changes in presentations\">section 7.3.2</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746970\"><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 2024 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=\"n2747158\"><span class=\"title-text\">7.11.3.3 <b>Acquisitions and legal mergers </b></span></h1>\n<p>In 2024, there were no acquisitions and legal mergers for a.s.r. </p>\n<p>On July 2023, a.s.r. acquired the shares of Aegon NL. Following the acquisition, on 1 October 2023, Aegon NL has legally merged with a.s.r. As a result, Aegon NL ceased to exist as a separate legal entity. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2746988\"><span class=\"title-text\">7.11.3.4 Intangible assets </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;\">2024 </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;\">2023 </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;\">277 </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;\">346 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>295 </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>363 </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 <a href=\"#n2748654\" title=\"Intangible assets\">section 7.5.1. </a></p>\n<p>Intangibles assets mainly relates to the intangible assets acquired through the acquisition of Aegon NL in 2023 and relates mainly to customer relationships, trade names and software. Intangible assets are amortized straight-line over their useful life, which is determined individually (between 5 and 20 years). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747010\"><span class=\"title-text\">7.11.3.5 Property and equipment </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;\">2024 </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;\">2023 </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;\">210 </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;\">230 </td></tr>\n<tr><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;\">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;\">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;\">15 </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;\">20 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>230 </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>256 </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;\">2024 </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;\">2023 </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;\">256 </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;\">219 </td></tr>\n<tr><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;\">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;\">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;\">-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;\">-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;\">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 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;\">10 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Impairments </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;\">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 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;\">-3 </td></tr>\n<tr><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;\">-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;\">42 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>230 </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>256 </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;\">364 </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;\">378 </td></tr>\n<tr><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;\">-131 </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;\">-122 </td></tr>\n<tr><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 impairments 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;\">-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 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\"><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>230 </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>256 </b></td></tr></tbody></table> <br/>\n<p>Depreciation of property and equipment is recorded in the operating expenses (see <a href=\"#n2747065\" title=\"7.11.3.20 Operating expenses\">section 7.11.3.20</a>). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747029\"><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;\">2024 </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;\">2023 </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;\">11,478 </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;\">5,781 </td></tr>\n<tr><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;\">10 </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;\">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;\">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;\">1,402 </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;\">1,115 </td></tr>\n<tr><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;\">-1,587 </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;\">-1,194 </td></tr>\n<tr><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;\">198 </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;\">202 </td></tr>\n<tr><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;\">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;\">-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;\">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;\">-854 </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;\">5,570 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>10,660 </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>11,478 </b></td></tr></tbody></table> <br/>\n<p>The changes in the composition of the group relate to Aegon NL (2023) and Knab (2024). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747220\"><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;\">2024 </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;\">2023 </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;\">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;\">68 </td></tr>\n<tr><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;\">30 </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;\">305 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">Repayments </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;\">-285 </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;\">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;\">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;\">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;\">-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 class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>124 </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>378 </b></td></tr></tbody></table> <br/>\n<p>The loans to group companies with a principal amount of \u20ac\u00a0121 million (2023: \u20ac\u00a0376 million) are expected to be settled more than one year after the balance sheet date and have an average interest rate of 6.15% (2023: 6.22%). Interest income on loans to group companies amounts to \u20ac\u00a06 million (2023: \u20ac\u00a06 million). The repayment relates to Knab. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747238\"><span class=\"title-text\">7.11.3.8 Investments </span></h1>\n<p>In 2024 excess cash is invested in short term corporate bonds (2023: short term government bonds). </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747256\"><span class=\"title-text\">7.11.3.9 Deferred tax liabilities </span></h1>\n<p>The deferred tax liabilities 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 and Aegon life) amounting to <span style=\"white-space:nowrap;\">\u20ac\u00a0252 million</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a0180 million</span>). These also consist of intangible fixed assets, investment property and technical provision valuations to market value. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747276\"><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\u00a06,133 million (2023: \u20ac\u00a06,044 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=\"n2747294\"><span class=\"title-text\">7.11.3.11 Cash and cash equivalents </span></h1>\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=\"n2747312\"><span class=\"title-text\">7.11.3.12 Equity </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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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 2024 </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>\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;\">858 </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;\">-858 </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;\">946 </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;\">946 </td></tr>\n<tr><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;\">-382 </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;\">-245 </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;\">-627 </td></tr>\n<tr><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;\">113 </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;\">113 </td></tr>\n<tr><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;\">198 </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;\">-35 </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;\">163 </td></tr>\n<tr><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;\">-183 </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;\">183 </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;\">-63 </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;\">-63 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">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 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 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\" style=\"text-align:right;vertical-align:top;\">500 </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;\">500 </td></tr>\n<tr><td class=\"startCol-1 endCol-1 valign-bottom border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:bottom;\">Redemptions of 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 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\" style=\"text-align:right;vertical-align:top;\">-502 </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;\">-502 </td></tr>\n<tr><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 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 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;\">-5 </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;\">-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;\">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;\">-2 </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;\">-102 </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;\">-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;\">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;\">17 </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\" style=\"text-align:right;vertical-align:top;\">5 </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;\">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-top border-bottom-1 border-left-1 border-top-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\"><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 2024 </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>857 </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>-175 </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>3,402 </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>-109 </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>701 </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>1,007 </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>9,786 </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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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:left;vertical-align:middle;\">\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>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\" 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>\n<tr><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;\">-1,841 </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;\">1,841 </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;\">1,086 </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;\">1,086 </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 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;\">-254 </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;\">-228 </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;\">-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 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;\">-120 </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;\">-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 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;\">202 </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;\">-20 </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;\">182 </td></tr>\n<tr><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;\">352 </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;\">-352 </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;\">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\" 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\" 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 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;\">-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;\">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;\">10 </td><td class=\"startCol-3 endCol-3 valign-top align-right border-bottom-1 border-top-1\" 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 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;\">-40 </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;\">2,582 </td></tr>\n<tr><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;\">-1 </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;\">-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\" 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\"><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\" 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\" 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\" 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\" 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\" 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\" 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\" 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\" 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>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=\"#n2749057\" title=\"Share capital\">section 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=\"#n2748492\" title=\"Capital management\">section 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=\"#n2749018\" title=\"Treasury shares\">section 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 different hybrid Tier 1 instruments (2023: two different hybrid Tier 1 and Tier 2 instruments) classified as equity. See <a href=\"#n2749037\" title=\"Other equity instruments\">section 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;\">2024 </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;\">2023 </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;\">8,779 </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;\">8,339 </td></tr>\n<tr><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;\">34 </td></tr>\n<tr class=\" cBoderType2\"><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;\">857 </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;\">842 </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>7,889 </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>7,463 </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;\">12,321 </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;\">11,578 </td></tr>\n<tr class=\" cBoderType2\"><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;\">6,209 </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;\">6,581 </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>6,112 </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>4,997 </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-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>6,112 </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>4,997 </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 <a href=\"#n2748519\" title=\"Capital management objectives\">section 7.9.1. </a></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747341\"><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=\"#n2749383\" title=\"Employee benefits\">section 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;\">2024 </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;\">2023 </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;\">4,974 </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;\">5,160 </td></tr>\n<tr class=\" cBoderType2\"><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;\">35 </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 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>5,010 </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>5,199 </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;\">27 </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;\">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-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>5,036 </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>5,218 </b></td></tr></tbody></table> <br/>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747360\"><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;\">2024 </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;\">2023 </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;\">84 </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><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;\">28 </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;\">65 </td></tr>\n<tr><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;\">-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;\">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;\">-32 </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;\">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 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;\">25 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>79 </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>84 </b></td></tr></tbody></table> <br/>\n<p>Provisions primarily relate to provisions for employee restructuring and retained disability risk. See <a href=\"#n2749490\" title=\"Provisions\">section 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\u00a052 million</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a070 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=\"n2747379\"><span class=\"title-text\">7.11.3.15 Subordinated liabilities </span></h1>\n<p>For information regarding the subordinated liabilities see <a href=\"#n2749098\" title=\"Subordinated liabilities\">section 7.5.12</a>. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747398\"><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;\">2024 </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;\">2023 </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;\">597 </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;\">596 </td></tr>\n<tr><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;\">229 </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;\">248 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>826 </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>845 </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\u00a0215 million (2023: \u20ac\u00a0220 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% (2023: 1.5%). The maturity of this contract is 31 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\u00a015 million</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a020 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=\"n2747179\"><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\u00a0205 million (2023: \u20ac\u00a0996 million) have an average interest rate of 3.86 % in 2024 (2023: 3.92%). The maturity of the loans varies from 1 - 3 years. An amount of \u20ac\u00a030 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=\"n2747416\"><span class=\"title-text\">7.11.3.18 Due to banks </span></h1>\n<p>In 2024, due to banks amounted to <span style=\"white-space:nowrap;\">\u20ac\u00a0nil</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a0200 million). </span></p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747047\"><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;\">2024 </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;\">2023 </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;\">27 </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;\">18 </td></tr>\n<tr><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;\">24 </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;\">10 </td></tr>\n<tr><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;\">243 </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;\">306 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-3 endCol-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-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>295 </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>334 </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=\"n2747065\"><span class=\"title-text\">7.11.3.20 Operating expenses </span></h1>\n<p>The operating expenses of <span style=\"white-space:nowrap;\">\u20ac\u00a0279 million</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a0211 million)</span> are operating expenses relating to holding activities. The increase in the operating expenses is mainly due to the integration of Aegon NL entities. See <a href=\"#n2745783\" title=\"Operating and other expenses\">section 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\u00a016 million</span> (2023: <span style=\"white-space:nowrap;\">\u20ac\u00a012 million)</span>. </p>\n<p>The average number of employees working for a.s.r. is 7,684 (2023: 6,154), all working in the Netherlands. a.s.r. allocates expenses to subsidiaries according to the extent to which the expenses incurred can be related to the activities of the subsidiary. This allocation is reassessed each year. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747084\"><span class=\"title-text\">7.11.3.21 Investment income </span></h1>\n<p>The investment income of \u20ac\u00a0225 million (2023: \u20ac\u00a072 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=\"n2747102\"><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=\"n2747120\"><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:20%;\"/><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;\">Amounts in \u20ac\u00a0thousands </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;\">2024 </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;\">2023 </th><th class=\"startCol-4 endCol-4 valign-top border-bottom-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-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;\">KPMG </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;\">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;\">16,714 </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;\">15,410 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">6,144 </td></tr>\n<tr><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;\">2,818 </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;\">1,712 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,076 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"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></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>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>19,532 </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>17,123 </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>8,220 </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=\"n2747138\"><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 <a href=\"#n2747647\" title=\"Related party transactions\">section 7.7.4</a> of the consolidated financial statements. In this chapter are also the related party transactions in relation to Aegon Ltd and its group companies (since Aegon Ltd. has significant influence over a.s.r.) mentioned. </p></li><li>\n<p>The remuneration of the EB and SB members of a.s.r. is disclosed in <a href=\"#n2747672\" title=\"Key management personnel remuneration\">section 7.7.5</a> of the consolidated financial 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 administered by a.s.r. life and Aegon life. For information regarding to this plan reference is made to section 7.11.3.10 of this company financial statements. </p>\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747197\"><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 <a href=\"#n2747472\" title=\"List of principal group companies\">section 7.7.9. </a></p>\n<div class=\"tanPageBreak newPage\"> </div>\n<p>Utrecht, 25 March 2025 </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>Bob Elfring </p>\n<p>Sonja Barendregt </p>\n<p>Gisella Eikelenboom </p>\n<p>Gerard van Olphen </p>\n<p>Dani\u00eblle Jansen Heijtmajer </p>\n<p>Lard Friese </p>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfConsolidatedAndSeparateFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:7245000G0HS48PZWUD53",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  },
  "ixv-765": {
   "value": "\n<h1 class=\"S_SUBPARAGRAPH\" id=\"n2747120\"><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:20%;\"/><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;\">Amounts in \u20ac\u00a0thousands </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;\">2024 </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;\">2023 </th><th class=\"startCol-4 endCol-4 valign-top border-bottom-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-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;\">KPMG </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;\">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;\">16,714 </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;\">15,410 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">6,144 </td></tr>\n<tr><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;\">2,818 </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;\">1,712 </td><td class=\"startCol-4 endCol-4 valign-top align-right border-bottom-1 border-top-1\" style=\"text-align:right;vertical-align:top;\">2,076 </td></tr>\n<tr class=\" cBoderType2\"><td class=\"startCol-1 endCol-1 valign-top border-bottom-1 border-right-1 border-top-1\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"startCol-2 endCol-2 valign-top border-bottom-1 border-left-1 border-right-1 border-top-1 format-highlight\" style=\"text-align:left;vertical-align:top;\">\u00a0</td><td class=\"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></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>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>19,532 </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>17,123 </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>8,220 </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": "2024-01-01T00:00:00/2025-01-01T00:00:00"
   }
  }
 }
}