Apart from the dividend, there are no positive surprises. The fact that we have no details on the figures doesn't help us get an overall picture.

Carlo Ponfoort

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The fourth quarter profit was below estimates, my estimate was 590m or 44 cents per share.

— Carlo Ponfoort

The U.S. result was disappointing.

— Carlo Ponfoort

This is quite conservative. More would have been a bonus.

— Carlo Ponfoort

The positive surprise is insurance in Europe, which has performed quite well, including in the Netherlands.

— Carlo Ponfoort

The higher profit is only the effect of a strong decline of the tax rate.

— Carlo Ponfoort