| ADP | Caption | 2015-12
uncons. | 2014-12
uncons. a. | 2014-12
uncons. |
| 1 | I. CASH FLOW FROM OPERATING ACTIVITIES (002+013+031) | -1,649 | -1,810 |  |
| 2 | 1. Cash flow before change in business property and liabilities (AOP 003+004) | 556 | 928 | |
| 3 | 1.1. Profit before tax | 1,306 | 778 | |
| 4 | 1.2. Adjustment: (AOP 005 to 012) | -749 | 151 | |
| 5 | 1.2.1. Depreciation and amortization of immovables and equipment | 132 | 255 | |
| 6 | 1.2.2. Depreciation and amortization of intangible property | - | - | |
| 7 | 1.2.3. Impairment and profits/losses from adjustment to fair value | 568 | 354 | |
| 8 | 1.2.4. Interest expenses | 65 | 63 | |
| 9 | 1.2.5. Interest income | -405 | -468 | |
| 10 | 1.2.6. Share in profit of associated companies | - | - | |
| 11 | 1.2.7. Profits/losses from sale of tangible property (including real estate) | -1,110 | -54 | |
| 12 | 1.2.8. Other adjustments | - | - | |
| 13 | 2. Increase/decrease in business property and liabilities (AOP 014 to 030) | -2,077 | -2,565 | |
| 14 | 2.1. Increase /decrease in investments avaliable for sale | 5,898 | -314 | |
| 15 | 2.2. Increase /decrease in investmenst estimated at fair value | 532 | -366 | |
| 16 | 2.3. Increase / decrease in deposits, loans and receivables | 2,165 | 873 | |
| 17 | 2.4. Increase/decrease of deposits at insurance activities ceded to reinsurance | - | - | |
| 18 | 2.5. Increase / decrease in investment for the account and own risk of life insurance policyholders | - | - | |
| 19 | 2.6. Increase /decrease of reinsurance stakes in tehnical provision | 303 | -45 | |
| 20 | 2.7. Increase/decrease of taxable property | 110 | -39 | |
| 21 | 2.8. Increase/decrease in receivables | 213 | 2,036 | |
| 22 | 2.9. Increase/decrease in other assets | 14 | 48 | |
| 23 | 2.10. Increase/decrease in prepaid expenses of the future period and undue collection of income | 28 | 99 | |
| 24 | 2.11. Increase/decrease in tehnical provision | -11,217 | -2,977 | |
| 25 | 2.12. Increase/decrease in life insurance tehnical provision when the policyholder bears investment risk | - | - | |
| 26 | 2.13. Increase/decrease in tax liabilities | -601 | -133 | |
| 27 | 2.14. Increase/decrease in deposits held from activities ceded to reinsurance | - | - | |
| 28 | 2.15. Increase/decrease in financial liabilities | -7 | 12 | |
| 29 | 2.16. Increase/decrease in other liabilities | 485 | -1,761 | |
| 30 | 2.17. Increase/decrease in deferred payment of expenses and income of the future period | - | - | |
| 31 | 3. Income tax paid | -128 | -174 | |
| 32 | II. CASH FLOW FROM INVESTMENT ACTIVITIES (AOP 033 to 046) | 2,741 | 627 | |
| 33 | 1. Receipts from sale of tangible assets | 0 | - | |
| 34 | 2. Expenditures for the purchase of tangible assets | -3 | -5 | |
| 35 | 3. Receipts from sale of intangible assets | - | - | |
| 36 | 4. Expenditures for the purchase of intangible assets | - | - | |
| 37 | 5. Receipts from sale of land and buildings not intended for business activities of the company | - | - | |
| 38 | 6. Expenditures for the purchase of land and buildings not intendened for business activities of the company | 2,204 | 67 | |
| 39 | 7. Increase/decrease of investments in branch-offices, associated companies and participation in joint investements | - | - | |
| 40 | 8. Receipts from investments kept till maturity | 405 | 468 | |
| 41 | 9. Expenditures for investments kept till maturity | - | - | |
| 42 | 10. Receipts from sale of securities and stakes | - | - | |
| 43 | 11. Expenditures for investments in securities and stakes | - | - | |
| 44 | 12. Receipts from dividends and profit share | - | - | |
| 45 | 13. Receipts from long term and short term loans | 135 | 97 | |
| 46 | 14. Expenses for long term and short term loans | - | - | |
| 47 | III. CASH FLOW FROM FINANCIAL ACTIVITIES (AOP 050 to 054) | -1,140 | 989 | |
| 48 | 1. Receipts from capital stock increase | -1,072 | 725 | |
| 49 | 2. Receipts from short-term and long-term loans | - | - | |
| 50 | 3. Expenditures for short-term and long-term loans | -68 | 263 | |
| 51 | 4. Expenditures for purchase of treasury shares | - | - | |
| 52 | 5. Expenditures for payment of profit share (dividends) | - | - | |
| 53 | NET CASH FLOW (AOP 001 + 032 + 049) | -48 | -194 | |
| 54 | IV. EFFECTS OF CHANGES IN RATES OF FOREIGN CURRENCIES | 9 | 65 | |
| 55 | V. NET INCREASE/DECREASE IN CASH AND CASH EQUIVALENTS (055+056) | -39 | -129 | |
| 56 | Cash and cash equivalents at the beginning of the period | 411 | 540 | |
| 57 | Cash and cash equivalents at the end of the period (AOP 057 + 058) | 372 | 411 | |