We assessed the effect of adding BNP and urinary albumin to the basic risk factors,11–13 which comprised age, sex, systolic blood pressure, hemoglobin, HDL-cholesterol, LDL-cholesterol, eGFR, history of CVD, and diabetes, and found that combining BNP and urinary albumin, rather than each factor alone, significantly improved the prediction of cardiovascular and renal events at 109 months better than the basic risk factors, as shown by the increase in the C-index, NRI, and IDI. This evidence concerns the gene ALB and diabetes mellitus.