Income

Interest income

1,684

171

1,082

157

290

138

(10)

3,512

Insurance premiums

4,969

1,357

3,108

2,090

1,611

1,938

(52)

15,021

Dividend and other investment income

505

66

276

22

18

5

(16)

876

Share in result of associates and joint ventures

4

37

46

7

94

Realised capital gains (losses) on investments

234

25

761

106

72

29

1,227

Other realised and unrealised gains and losses

(103)

3

(76)

(23)

(1)

(6)

(206)

Fee and commission income

126

5

19

95

161

141

(2)

545

Income related to investments for unit-linked contracts

157

119

350

626

Other income

91

72

184

151

23

199

(32)

688

Total income

7,667

1,699

5,510

2,598

2,570

2,451

(112)

22,383

Expenses

Interest expense

(382)

(50)

(314)

(61)

(25)

(28)

9

(851)

Insurance claims and benefits

(5,796)

(905)

(2,831)

(1,459)

(1,539)

(1,777)

51

(14,256)

Charges related to unit-linked contracts

(157)

(785)

(484)

(1,426)

Change in impairments

(40)

(5)

(129)

(29)

(1)

(3)

(207)

Fee and commission expense

(314)

(273)

(153)

(401)

(139)

(257)

2

(1,535)

Depreciation and amortisation of tangible and intangible assets

(53)

(31)

(62)

(6)

(71)

(8)

(231)

Staff expenses

(236)

(143)

(138)

(157)

(80)

(138)

(892)

Other expenses

(262)

(153)

(357)

(210)

(86)

(193)

44

(1,217)

Total expenses

(7,240)

(1,560)

(4,769)

(2,323)

(2,425)

(2,404)

106

(20,615)

Profit before taxation

427

139

741

275

145

47

(6)

1,768

Income tax expense

3

(40)

(67)

(44)

(26)

(9)

(183)

Net profit for the period

430

99

674

231

119

38

(6)

1,585

Net gain on discontinued operations

826

187

1,013

Net profit before minority interests

430

99

674

231

945

225

(6)

2,598

Net profit attributable to minority interests

5

1

16

33

9

64

Net profit attributable to shareholders

425

98

658

231

912

216

(6)

2,534

Total income from external customers

7,250

1,645

5,360

2,560

2,560

2,393

21,768

Total income internal

417

54

150

38

10

58

(112)

615

Total income

7,667

1,699

5,510

2,598

2,570

2,451

(112)

22,383

Non-cash expenses (excl. depreciation & amortisation)

(134)

(10)

(408)

(72)

(274)

(2)

(900)

2006

Insurance

Insurance

Insurance

Total

Belgium

Netherlands

International

Eliminations

Insurance

Life

Non-life

Life

Non-life

Life

Non-life

Income

Interest income

1,326

141

1,224

147

222

120

(13)

3,167

Insurance premiums

4,353

1,253

3,437

1,944

1,357

1,739

(34)

14,049

Dividend and other investment income

450

64

259

31

8

6

(22)

796

Share in result of associates and joint ventures

2

28

3

12

6

51

Realised capital gains (losses) on investments

270

26

194

36

46

4

576

Other realised and unrealised gains and losses

(12)

3

5

(17)

1

3

(17)

Fee and commission income

108

6

31

91

117

125

478

Income related to investments for unit-linked contracts

564

998

387

1,949

Other income

92

53

109

38

13

240

(26)

519

Total income

7,153

1,546

6,285

2,273

2,163

2,243

(95)

21,568

Expenses

Interest expense

(184)

(25)

(280)

(59)

(12)

(18)

13

(565)

Insurance claims and benefits

(5,100)

(798)

(3,524)

(1,191)

(1,259)

(1,469)

35

(13,306)

Charges related to unit-linked contracts

(532)

(1,286)

(556)

(2,374)

Change in impairments

(10)

(1)

(20)

(4)

1

(2)

(36)

Fee and commission expense

(287)

(247)

(193)

(384)

(66)

(253)

(1,430)

Depreciation and amortisation of tangible and intangible assets

(45)

(28)

(72)

(8)

(64)

(9)

(226)

Staff expenses

(206)

(134)

(146)

(154)

(47)

(124)

(811)

Other expenses

(259)

(145)

(251)

(176)

(90)

(156)

47

(1,030)

Total expenses

(6,623)

(1,378)

(5,772)

(1,976)

(2,093)

(2,031)

95

(19,778)

Profit before taxation

530

168

513

297

70

212

1,790

Income tax expense

(93)

(48)

(101)

(78)

(10)

(60)

(390)

Net profit for the period

437

120

412

219

60

152

1,400

Net gain on discontinued operations

48

13

61

Net profit before minority interests

437

120

412

219

108

165

1,461

Net profit attributable to minority interests

3

1

7

23

7

41

Net profit attributable to shareholders

434

119

405

219

85

158

1,420

Total income from external customers

6,971

1,519

6,136

2,241

2,151

2,214

21,232

Total income internal

182

27

149

32

12

29

(95)

336

Total income

7,153

1,546

6,285

2,273

2,163

2,243

(95)

21,568

Non-cash expenses (excl. depreciation & amortisation)

(51)

(12)

(249)

(39)

(181)

(21)

(553)

2005

Insurance

Insurance

Insurance

Total

Belgium

Netherlands

International

Eliminations

Insurance

Life

Non-life

Life

Non-life

Life

Non-life

Income

Interest income

1,198

117

1,006

143

187

113

(61)

2,703

Insurance premiums

4,139

1,159

2,635

1,989

1,482

1,640

(64)

12,980

Dividend and other investment income

394

72

249

20

11

5

(15)

736

Share in result of associates and joint ventures

2

25

2

(12)

6

23

Realised capital gains (losses) on investments

119

9

256

72

29

8

493

Other realised and unrealised gains and losses

24

(8)

(2)

2

16

Fee and commission income

88

12

35

80

96

115

(11)

415

Income related to investments for unit-linked contracts

1,009

1,567

679

3,255

Other income

66

67

120

82

12

163

(29)

481

Total income

7,039

1,436

5,885

2,386

2,486

2,050

(180)

21,102

Expenses

Interest expense

(125)

(11)

(381)

(16)

(16)

(17)

61

(505)

Insurance claims and benefits

(4,709)

(750)

(2,493)

(1,311)

(1,389)

(1,350)

58

(11,944)

Charges related to unit-linked contracts

(975)

(1,916)

(818)

(3,709)

Change in impairments

(29)

(1)

(18)

(5)

12

15

(26)

Fee and commission expense

(180)

(214)

(144)

(400)

(54)

(215)

11

(1,196)

Depreciation and amortisation of tangible and intangible assets

(50)

(30)

(76)

(9)

(69)

(6)

(240)

Staff expenses

(216)

(153)

(183)

(164)

(45)

(106)

(1)

(868)

Other expenses

(210)

(137)

(245)

(159)

(81)

(161)

51

(942)

Total expenses

(6,494)

(1,296)

(5,456)

(2,064)

(2,460)

(1,840)

180

(19,430)

Profit before taxation

545

140

429

322

26

210

1,672

Income tax expense

(147)

(43)

(122)

(92)

(9)

(60)

(473)

Net profit for the period

398

97

307

230

17

150

1,199

Net gain on discontinued operations

49

11

60

Net profit before minority interests

398

97

307

230

66

161

1,259

Net profit attributable to minority interests

6

1

3

14

10

34

Net profit attributable to shareholders

392

96

304

230

52

151

1,225

Total income from external customers

6,895

1,410

5,755

2,328

2,522

2,025

20,935

Total income internal

144

26

130

58

13

36

(180)

227

Total income

7,039

1,436

5,885

2,386

2,535

2,061

(180)

21,162

Non-cash expenses (excl. depreciation & amortisation)

(37)

(23)

(18)

(52)

(19)

(149)