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Document:AXA/2025/FY/Earnings release: Difference between revisions

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Net flows{{fn ref|21|2=Life & Health net flows, PVEP, CSM, NB CSM, NBV, and NBV margin include Health business predominantly written in Life entities.}} were Euro +5.4 billion compared to Euro +1.5 billion in 2024. Net flows in 2025 were driven by:
 
* o Protection (Euro +4.9 billion), mainly in Hong Kong, Japan, and France;
 
* o Health (Euro +2.7 billion), mainly in Germany, Japan, and France; and
 
* o Unit-Linked (Euro +1.5 billion), primarily in France;
 
* o Partly offset by G/A Savings (Euro -3.7 billion), as inflows in G/A capital-light (Euro +1.2 billion) were more than offset by outflows in traditional G/A Savings (Euro -5.0 billion).
 
Life & Health underlying earnings increased by 7% to Euro 3.5 billion, driven by:
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