(€ MILLION)
 RESULTS   2011   2010    
 GROSS WRITTEN PREMIUMS   19,650   19,852   -1%
 INVESTMENT INCOME INCLUDING
 ASSOCIATES
  2,024   2,705   -25%
 FEE AND COMMISSION INCOME   441   481   -8%
 OTHER INCOME   1,083   2,265   -52%
 TOTAL INCOME   23,198   25,303   -8%
             
 CLAIMS AND MOVEMENTS IN
 INSURANCE LIABILITIES
  19,225   19,753   -3%
 OPERATING EXPENSES   3,031   3,268   -7%
 OTHER EXPENSES   1,159   1,056   10%
 TOTAL EXPENSES   23,445   24,077   -3%
             
 PROFIT BEFORE TAX   -247   1,226   n.m.
 NET PROFIT   -208   1,220   n.m.
             
 GROSS WRITTEN PREMIUMS PER SEGMENT
 NON-LIFE   3,819   3,992   -4%
 HEALTH   12,400   12,289   1%
 LIFE   3,431   3,571   -4%
             
 PROFIT BEFORE TAX PER SEGMENT
 NON-LIFE   375   401   -6%
 HEALTH   326   262   24%
 LIFE   -292   107   n.m.
 BANKING   -47   49   n.m.
             
 BALANCE SHEET*
 TOTAL ASSETS   92,313   93,138   -1%
 TOTAL EQUITY   9,775   10,357   -6%
 INVESTMENTS   42,356   40,842   4%
 INSURANCE LIABILITIES   37,520   35,623   5%
             
 SOLVENCY 
 
 REGULATORY SOLVENCY RATIO
 GROUP
  204%   220%   -16%pts
 REGULATORY SOLVENCY RATIO
 INSURANCE ENTITIES
  208%   222%   -14%pts
             
 FTES
 INTERNAL FTEs   19,302   20,185   -4%
 EXTRENAL FTEs   1,622   2,212   -27%
 TOTAL FTEs   20,924   22,397   -7%
             
 
* 2010 figures adjusted for comparison reasons
n.m. - not meaningful