References				(€ million)	31/12/2015	31/12/2014
26		1.1		Net earned premiums	68,507	64,322
			1.1.1	Gross earned premiums	70,400	66,324
			1.1.2	Earned premiums ceded	-1,894	-2,003
27		1.2		Fee and commission income and income from financial service activities	1,094	967
28		1.3		Net income from financial instruments at fair value through profit or loss	1,941	3,510
				of which net income from financial instruments where the investment risk is borne by the policyholders and related to pension funds	2,275	3,293
29		1.4		Income from subsidiaries, associated companies and joint ventures	130	191
30		1.5		Income from other financial instruments and land and buildings (investment properties)	16,219	15,991
			1.5.1	Interest income	10,075	9,919
			1.5.2	Other income	2,065	2,117
			1.5.3	Realized gains	3,873	3,761
			1.5.4	Unrealized gains and reversal of impairment losses	206	194
31		1.6		Other income	4,070	3,301
	1			TOTAL INCOME	91,961	88,282
32		2.1		Net insurance benefits and claims	-69,091	-67,003
			2.1.1	Claims paid and change in insurance provisions	-70,204	-68,280
			2.1.2	Reinsurers' share	1,113	1,276
		2.2		Fee and commission expenses and expenses from financial service activities	-586	-470
		2.3		Expenses from subsidiaries, associated companies and joint ventures	-16	-68
35		2.4		Expenses from other financial instruments and land and buildings (investment properties)	-3,215	-3,461
			2.4.1	Interest expense	-1,103	-1,298
			2.4.2	Other expenses	-390	-421
			2.4.3	Realized losses	-686	-435
			2.4.4	Unrealized losses and impairment losses	-1,035	-1,307
36		2.5		Acquisition and administration costs	-10,856	-10,489
			2.5.1	Commissions and other acquisition costs	-8,179	-7,884
			2.5.2	Investment management expenses	-96	-103
			2.5.3	Other administration costs	-2,581	-2,502
37		2.6		Other expenses	-4,792	-3,838
	2			TOTAL EXPENSES	-88,555	-85,329
				EARNINGS BEFORE TAXES	3,407	2,953
38	3			Income taxes	-1,112	-1,033
				EARNINGS AFTER TAXES	2,295	1,921
	4			RESULT OF DISCONTINUED OPERATIONS	-35	-69
				CONSOLIDATED RESULT OF THE PERIOD	2,259	1,852
				Result of the period attributable to the Group	2,030	1,670
				Result of the period attributable to minority interests	229	182
16				EARNINGS PER SHARE:
				Basic earnings per share (€)	1.30	1.07
				from continuing operations	1.33	1.13
				Diluted earnings per share (€)	1.29	1.06
				from continuing operations	1.31	1.11