Preliminary results - 12 months ended 31 December 2005

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Operating assumption changes

Changes in operating assumptions are made when the assumed future levels of expenses, mortality or other operating assumptions are expected to change permanently.

  2005
£m
2004
£m
     
United Kingdom (57) (58)
France 14 35
Netherlands (including Belgium and Luxembourg) 47 21
Rest of Europe 11 (4)
International 2 (1)
  17 (7)

Further disclosures on experience variances and operating assumption changes on an EEV basis are provided.

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