2012 Registration document and annual financial report - BNP Paribas

4CONSOLIDATEDFINANCIAL STATEMENTS - YEAR ENDED 31 DECEMBER 2012Notes to the financial statementsThe movement in liabilities related to insurance contracts breaks down as follows:In millions of eurosYear to31 Dec. 2012Year to31 Dec. 2011LIABILITIES RELATED TO CONTRACTS AT START OF PERIOD 133,196 116,409Additions to insurance contract technical reserves and deposits taken on financial contracts relatedto life insurance 30,801 11,895Claims and benefits paid (18,177) (12,407)Contracts portfolio disposals - (92)Effect of changes in the scope of consolidation (6) 18,984Effect of movements in exchange rates 140 4Effect of changes in value of admissible investments related to unit-linked business 3,361 (1,597)LIABILITIES RELATED TO CONTRACTS AT END OF PERIOD 149,315 133,196See note 5.l for details of reinsurers’ share of technical reserves.45.q PROVISIONS FOR CONTINGENCIES AND CHARGESProvisions for contingencies and chargesIn millions of euros 31 December 2012 31 December 2011Provisions for employee benefits 5,985 6,019of which post-employment benefit (note 7.b) 4,334 4,398of which post-employment healthcare benefits (note 7.b) 123 116of which provision for other long-term benefits (note 7.c) 1,058 972of which provision for volu ntary departure, early retirement plans, and headcount adaptation plan(note 7.d) 470 533Provisions for home savings accounts and plans 142 233Provisions for off-balance sheet commitments (note 2.f) 976 991Provisions for litigations 1,683 1,448Other provisions for contingencies and charges 2,176 1,789TOTAL PROVISIONS FOR CONTINGENCIES AND CHARGES 10,962 10,480In millions of euros 31 December 2012 31 December 2011TOTAL PROVISIONS AT START OF PERIOD 10,480 10,311Net additions to provisions 1,141 376Provisions used (1,102) (1,260)Effect of movements in exchange rates and other movements 443 1,053TOTAL PROVISIONS AT END OF PERIOD 10,962 10,4801622012 Registration document and annual financial report - BNP PARIBAS