B. GROUP FINANCIAL RESULTS 2021 L/H: operating profit up 15% to EUR 5bn Operating profit by source (EUR mn) Operating profit by line (EUR mn) +14.9% +14.9% +173 5,011 5,011 +284 +246 +583 4,359 910 4,359 -635 781 578 488 1,087 1,452 2,003 2,071 Operating Loadings Investment Technical Expenses Impact of Operating 2020 2021 profit & fees margin margin change profit 2020 in DAC 2021 ∆ 2021/2020 Protection & health 2021 6,888 4,440 1,305 -7,999 377 Unit-linked w/o guarantees 2020 6,605 4,194 1,132 -7,365 -206 Capital-efficient products Guaranteed savings & annuities 41 B 23