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Notes to the Group’s Financial Statements

30 Provisions
P&C insurance
EURm 2015
At 1 Jan. 2015 63
Exchange rate differences 1
Additions 12
Amounts used during the period -20
Unused amounts reversed during the period -5
At 31 Dec. 2015 51
Current (less than 1 year) 14
Non-current (more than 1 year) 37
Total 51
EURm 17 of the provision consist of assets reserved for the development of efficient administrative and claims-adjustment processes and structural changes in distribution channels result in organisational changes that affect all business areas. In addition, the item includes a provision of about EURm 30 for law suits and other uncertain liabilities.