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Notes to the Group’s Financial Statements

5 Staff costs
P&C insurance
EURm 2015 2014
Staff costs
Wages and salaries -373 -374
Cash-settled share-based payments -17 -18
Pension costs
- defined contribution plans 213 -64
- defined benefit plans (Note 31) -137 -7
Other social security costs -57 -75
P&C insurance, total -371 -537
Life insurance
EURm 2015 2014
Staff costs
Wages and salaries -35 -33
Cash-settled share-based payments -4 -4
Pension costs - defined contribution plans -6 -5
Other social security costs -3 -4
Life insurance, total -47 -46
Holding
EURm 2015 2014
Staff costs
Wages and salaries -8 -8
Cash-settled share-based payments -8 -9
Pension costs - defined contribution plans -2 -2
Other social security costs -1 -0
Holding, total -20 -20
EURm 2015 2014
Group, total -438 -603
More information on share-based payments in note 36 Incentive schemes.