OP Financial Group balance sheet

                               
EUR million Notes 31 Dec. 2015 31 Dec.
2014
Change, %
Liquid assets 20 8,581 3,888  
Receivables from credit institutions 21 425 686 -38
Financial assets at fair value through profit or loss 22 928 427  
Derivative contracts 23 5,696 5,920 -4
Receivables from customers 24 75,192 70,683 6
Non-life Insurance assets 25 4,067 3,797 7
Life Insurance assets 26 13,858 11,238 23
Investment assets 27 12,423 9,500 31
Investments accounted for using the equity method 29 93 56 66
Intangible assets 30 1,395 1,332 5
Property, plant and equipment (PPE) 31 843 781 8
Other assets 32 1,526 1,951 -22
Tax assets 33 118 168 -30
Total assets 125,145 110,427 13
 
Liabilities to credit institutions 34 1,673 1,776 -6
Financial liabilities at fair value through profit or loss 35 - 4  
Derivative contracts 36 5,345 5,489 -3
Liabilities to customers 37 58,220 51,163 14
Non-life Insurance liabilities 38 3,159 2,972 6
Life Insurance liabilities 39 13,532 11,230 20
Debt securities issued to the public 40 27,706 24,956 11
Provisions and other liabilities 41 3,625 3,447 5
Tax liabilities 42 866 964 -10
Supplementary cooperative capital 43 106 192 -45
Subordinated liabilities 44 1,590 1,020 56
Total liabilities 115,821 103,214 12
Equity capital
Capital and reserves attributable to OP Financial Group's owners
Cooperative capital, cooperative contributions 154 148 4
Cooperative capital, Profit shares 2,502 1,561 60
Translation differences 0 0 -7
Reserves 2,327 2,421 -4
Retained earnings 4,271 3,014 42
Non-controlling interests 70 69 1
Total equity capital 45 9,324 7,213 29
Total liabilities and equity capital 125,145 110,427 13