Intangible assets (Tables)

12 Months Ended

Dec. 31, 2021

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Summary of Intangible Assets

	Goodwill			VOBA			Future         servicing rights			Software			Other			Total
Net book value
At January 1, 2021		375			815			71			79			45			1,386
Additions		-			-			-			25			3			29
Amortization through income statement		-			(163	)		(8	)		(20	)		(4	)		(194	)
Impairment losses		-			-			-			(7	)		(1	)		(8	)
Shadow accounting adjustments		-			41			-			-			-			41
Capital expenditure		-			-			-			14			-			14
Business combinations, disposals and other changes		-			-			-			(7	)		1			(6	)
Net exchange differences		16			57			1			(1	)		(1	)		72
At December 31, 2021		391			750			65			83			44			1,333
Gross carrying value		561			6,923			350			408			185			8,427
Accumulated amortization, depreciation and impairment losses		(169	)		(6,174	)		(285	)		(325	)		(141	)		(7,094	)
Net book value 2021		391			750			65			83			44			1,333
Net book value
At January 1, 2020		392			952			84			69			61			1,559
Additions		-			-			-			33			11			44
Amortization through income statement		-			(79	)		(7	)		(18	)		(7	)		(112	)
Impairment losses		-			-			-			(6	)		(17	)		(23	)
Shadow accounting adjustments		-			15			-			-			-			15
Capital expenditure		-			-			-			11			-			11
Business combinations, disposals and other changes		8			-			-			(10	)		-			(2	)
Net exchange differences		(25	)		(73	)		(5	)		-			(2	)		(105	)
At December 31, 2020		375			815			71			79			45			1,386
Gross carrying value		537			6,447			339			379			174			7,875
Accumulated amortization, depreciation and impairment losses		(161	)		(5,632	)		(268	)		(300	)		(129	)		(6,489	)
Net book value 2020		375			815			71			79			45			1,386

Summary of Geographically Cash-generating Units to Goodwill

A geographical summary of the cash-generating units to which the goodwill is allocated is as follows:

Goodwill	2021		2020
Americas		181		168
The Netherlands		97		97
United Kingdom		57		54
International		23		26
Asset Management		33		31
At December 31		391		375