CONSOLIDATED STATEMENT OF PROFIT OR LOSS for the year ended 31 December

(€m)For the year ended 31 December 2015of which, related party transactionsFor the year ended 31 December 2014of which, related party transactions
Revenue from sales and services 8,810 2,390 9,150 2,513
Insurance premium revenue 18,197 - 15,472 -
Other income from financial and insurance 3,657 104 3,772 148
activities
Other operating income		 75 6 118 7
Total revenue 30, 739   28, 512  
Cost of goods and services 2,590 173 2,648 169
Net change in technical provisions for insurance
business and other claims expenses		 19,683 - 17,883 -
Other expenses from financial and insurance activities 689 - 76 -
Personnel expenses 6,151 40 6,229 40
of which, non-recurring costs/(income) (11)   -  
Depreciation, amortisation and impairments 581 - 671 -
of which, non-recurring costs/(income) 12   -  
Capitalised costs and expenses (33) - (30) -
Other operating costs 198 (46) 344 68
Operating profit/(loss) 880   691  
Finance costs 108 1 191 5
of which, non-recurring costs - - 75 -
Finance income 158 3 198 5
of which, non-recurring income 4   11  
Profit/(Loss) on investments accounted for using
the equity method		 3   (1) -
Profit/(Loss) before tax 933   697  
Income tax expense 381 - 485 -
of which, non-recurring costs/(income) 16   -  
PROFIT FOR THE YEAR 552   212  
attributable to owners of the Parent 552   212  
attributable to non-controlling interests -   -  
Earnings per share 0. 423   0. 162  
Diluted earnings per share 0. 423   0. 162