
€ millions	Carrying	Contractual Cash Flows		Carrying	Contractual Cash Flows
	Amount			Amount
	12/31/2019	2020	Thereafter	12/31/2018	2019	Thereafter
Derivative financial liabilities and assets
Derivative financial liabilities
Currency derivatives not designated as hedging instruments	-55			-64
Cash outflows		-2,865	-3		-2,111	-11
Cash inflows		2,816	0		2,062	0
Currency derivatives designated as hedging instruments	-11			-9
Cash outflows		-415	0		-340	0
Cash inflows		401	0		330	0
Interest rate derivatives designated as hedging instruments	-16			-3
Cash outflows		-28	-536		-15	-27
Cash inflows		36	515		13	26
Total of derivative financial liabilities	-82	-55	-24	-76	-61	-12
Derivative financial assets
Currency derivatives not designated as hedging instruments	33			100
Cash outflows		-3,442	0		-4,025	0
Cash inflows		3,468	0		4,076	0
Currency derivatives designated as hedging instruments	3			2
Cash outflows		-114	0		-203	0
Cash inflows		117	0		202	0
Interest rate derivatives designated as hedging instruments	9			11
Cash outflows		-14	-18		-8	-14
Cash inflows		17	24		19	15
Total of derivative financial assets	44	32	6	113	61	1
Total of derivative financial liabilities and assets	-37	-23	-18	37	0	-11


€ millions, unless otherwise stated	2019
	Weighted Average Loss Rate		Gross Carrying Amount Not	Gross Carrying Amount Credit-	ECL Allowance
			Credit-Impaired	Impaired
AR not due and due	-0.2	%	5,226	0	-9
AR overdue 1 to 30 days	-0.5	%	733	36	-4
AR overdue 30 to 90 days	-0.8	%	668	23	-5
AR overdue more than 90 days	-11.1	%	869	158	-114
TOTAL	-1.7	%	7,496	217	-131


€ millions, unless otherwise stated	2018
	Weighted Average Loss Rate		Gross Carrying Amount Not	Gross Carrying Amount Credit-	ECL Allowance
			Credit-Impaired	Impaired
AR not due and due	-0.3	%	4,288	0	-13
AR overdue 1 to 30 days	-0.3	%	749	15	-2
AR overdue 30 to 90 days	-0.5	%	551	8	-3
AR overdue more than 90 days	-13.0	%	558	125	-89
TOTAL	-1.7	%	6,146	148	-107


€ millions	Forecasted License Payments
	2019
Change in value used for calculating hedge ineffectiveness		-7
Cash flow hedge		-7
Cost of hedging		-2
Balances remaining in cash flow hedge reserve for which hedge accounting is no longer applied		0


€ millions	Effects on Other Non-Operating Expense, Net			Effects on Other Comprehensive Income
	2019	2018	2017	2019	2018	2017
Derivatives held within a designated cash flow hedge relationship
All major currencies –10% (2018: all major currencies –10%; 2017: all major currencies –10%)				53	62	71
All major currencies +10% (2018: all major currencies +10%; 2017: all major currencies +10%)				-53	-62	-71
Embedded derivatives
All currencies –10%	53	11	15
All currencies +10%	-53	-11	-15
FX option held in connection with the acquisition of Qualtrics
USD –10%	0	-29	0
USD +10%	0	559	0


€ millions	2019
	Interest Rate	Interest Rate
	Swaps for	Swaps for
	EUR Borrowing	USD Borrowing
Notional amount	3,750	545
Carrying amount
Other financial assets	0	9
Other financial liabilities	-16	0
Change in fair value used for measuring ineffectiveness	-16	9


€ billions	2019				2018
	Year-End	Average	High	Low	Year-End	Average	High	Low
Fair value interest rate risk
From investments	0.03	0.05	0.07	0.03	0.08	0.09	0.10	0.08
Cash flow interest rate risk
From investments (including cash)	4.32	4.32	5.04	3.89	4.24	4.16	5.65	3.50
From financing	3.92	4.25	4.43	3.92	1.96	2.08	2.32	1.45
From interest rate swaps	4.29	3.05	5.06	1.28	1.28	1.31	1.36	1.27


€ millions	2019	2018	2017
Investments in equity securities
Increase in equity prices and respective unobservable inputs of 10% - increase of financial income, net by	156	65	56
Decrease in equity prices and respective unobservable inputs of 10% - decrease of financial income, net by	-156	-65	-56
Share-based payments
Increase in equity prices of 20%
Increase of share-based payment expenses by	-298	-279	-371
Increase of offsetting gains from hedging instruments by	48	57	65
Decrease in equity prices of 20%
Decrease of share-based payment expenses by	307	262	337
Decrease of offsetting gains from hedging instruments by	-46	-44	-46