Gross earned premiums

9,688

9,147

8,256

Ceded reinsurance earned premiums

(82)

(56)

(50)

Financial result and capital gains allocated to technical result

3,143

4,690

5,496

Fee income

184

145

123

Other income

(4)

11

67

Total income

12,929

13,937

13,892

Benefits and surrenders, gross

(5,464)

(5,733)

(4,366)

Reinsurers' share of benefits and surrenders

38

137

206

Change in liabilities arising from insurance

  and investment contracts including unit-linked contracts

(5,542)

(6,151)

(7,685)

Reinsurers' share of change in liabilities

(6)

(115)

(170)

Profit sharing

(504)

(316)

(199)

Total technical charges

(11,478)

(12,178)

(12,214)

Commission expenses

(589)

(532)

(364)

Change in deferred acquisition costs and VOBA

(50)

(79)

(121)

Administrative expenses

(606)

(519)

(510)

Reinsurance commissions and profit participation

24

9

8

Total operating expenses

(1,221)

(1,121)

(987)

Technical result Life insurance, before taxation

230

638

691

Gross earned premiums

5,385

4,936

4,788

Ceded reinsurance earned premiums

(530)

(508)

(624)

Financial result and capital gains allocated to technical result

289

318

292

Other income

37

73

65

Total income

5,181

4,819

4,521

Claims paid, gross

(3,000)

(2,678)

(2,471)

Reinsurers' share of claims paid

209

276

299

Change in liabilities arising from insurance contracts

(611)

(273)

(316)

Reinsurers' share of change in liabilities

132

(20)

(57)

Claim handling expenses

(195)

(197)

(182)

Total technical charges

(3,465)

(2,892)

(2,727)

Commission expenses

(920)

(885)

(827)

Change in deferred acquisition costs and VOBA

7

26

(4)

Reinsurers' share of change in deferred acquisition costs and VOBA

(1)

8

2

Administrative expenses

(611)

(626)

(564)

Reinsurance commissions and profit participation

128

123

136

Total operating expenses

(1,397)

(1,354)

(1,257)

Technical result Non-life insurance, before taxation

319

573

537