205 Income statement ­ Underlying earnings Americas The  Netherlands United  Kingdom New  Markets Holding  and other  activities Elimina- tions Segment  total Joint ventures and  associates  eliminations Consoli- dated 2012 Underlying earnings  before tax 1,366 325 110 274 (220) (4) 1,851 (71) 1,780 Fair value items (76) 123 (31) (1) (4) - 11 45 56 Realized gains / (losses) on  investments 175 138 84 10 - - 407 3 410 Impairment charges (181) (37) - (26) (4) 2 (246) 9 (237) Impairment reversals 64 8 - - - (2) 70 - 70 Other income / (charges) (28) (279) 34 113 (2) - (162) (1) (163) Run-off businesses 2 - - - - - 2 - 2 Income before tax 1,322 278 197 370 (230) (4) 1,933 (15) 1,918 Income tax (expense) / benefit (266) (11) (24) (121) 71 - (351) 15 (336) Net income 1,056 267 173 249 (159) (4) 1,582 ­ 1,582 Intersegment underlying  earnings (191) (60) (62) 286 27 Revenues 2012 Life insurance gross premiums 6,541 3,004 6,047 1,374 - (73) 16,893 (693) 16,200 Accident and health insurance 1,833 220 - 188 5 (5) 2,241 (11) 2,230 General insurance - 475 - 144 - - 619 - 619 Total gross premiums 8,374 3,699 6,047 1,706 5 (78) 19,753 (704) 19,049 Investment income 3,654 2,273 2,337 319 374 (374) 8,583 (170) 8,413 Fee and commission income 1,177 329 133 524 - (263) 1,900 (44) 1,856 Other revenues 5 - - 3 5 - 13 (4) 9 Total revenues 13,210 6,301 8,517 2,552 384 (715) 30,249 (922) 29,327 Inter-segment revenues 31 2 1 310 371