43 Results 2013 the Netherlands Amounts in EUR millions 2013 2012 % Net underlying earnings 274 260 5% Tax on underlying earnings 81 65 25% Underlying earnings before tax by product segment Life & Savings 243 267 (9%) Pensions 111 67 66% Non-life (20) (27) 26% Distribution 18 16 13% Share in underlying earnings before tax of associates 2 2 0% Underlying earnings before tax 355 325 9% Net fair value items (240) 123 - Gains / (losses) on investments 342 138 148% Impairment charges (32) (29) (10%) Other income / (charges) (36) (279) 87% Income before tax 388 278 40% Income tax from certain proportionately consolidated joint ventures and associates included in  income before tax - (3) - Income tax (97) (11) - Of which Income tax from certain proportionately consolidated joint ventures and associates  included in income before tax - 3 - Net income 292 267 9% Life insurance gross premiums 3,515 3,004 17% Accident and health insurance premiums 243 220 10% General insurance premiums 487 475 3% Total gross premiums 4,245 3,699 15% Investment income 2,310 2,273 2% Fees and commission income 328 329 0% Total revenues 6,883 6,301 9% Commissions and expenses 997 1,036 (4%) of which operating expenses 732 746 (2%) New life sales Amounts in EUR millions 2013 2012 % Life & Savings 40 46 (13%) Pensions 166 200 (17%) Total recurring plus 1/10 single 206 246 (16%) Amounts in EUR million 2013 2012 % New premium production accident and health insurance 24 21 11% New premium production general insurance 26 30 (13%) Gross deposits (on and off balance) 2013 2012 % Life & Savings 1,338 1,484 (10%) Total gross deposits 1,338 1,484 (10%)