Notes to the Group’s Financial Statements
Select note 1–41
| 6 Other operating expenses | |||||
| P&C insurance | |||||
| EURm | 2015 | 2014 | |||
| IT costs | -114 | -101 | |||
| Other staff costs | -15 | -15 | |||
| Marketing expenses | -38 | -42 | |||
| Depreciation and amortisation | -9 | -15 | |||
| Rental expenses | -45 | -48 | |||
| Change in deferred acquisition costs | -5 | -14 | |||
| Direct insurance comissions | -167 | -171 | |||
| Commissions on reinsurance ceded | 14 | 14 | |||
| Other | -98 | -111 | |||
| P&C insurance, total | -477 | -502 | |||
| Life insurance | |||||
| EURm | 2015 | 2014 | |||
| IT costs | -17 | -14 | |||
| Other staff costs | -2 | -2 | |||
| Marketing expenses | -4 | -3 | |||
| Depreciation and amortisation | -2 | -2 | |||
| Rental expenses | -4 | -3 | |||
| Direct insurance comissions | -9 | -10 | |||
| Comissions of reinsurance assumed | -1 | -2 | |||
| Commissions on reinsurance ceded | 1 | 2 | |||
| Other | -38 | -25 | |||
| Life insurance, total | -74 | -60 | |||
| Item Other for P&C and Life Insurance includes e.g. expenses related to communication, external services and other administrative expenses. | |||||
| Holding | |||||
| EURm | 2015 | 2014 | |||
| IT costs | -1 | -1 | |||
| Marketing expenses | -1 | -1 | |||
| Rental expenses | -1 | -1 | |||
| Other | -9 | -9 | |||
| Holding, total | -12 | -12 | |||
| Item Other includes e.g. consultancy fees and rental and other administrative expenses. | |||||
| Elimination items between segments | 17 | 16 | |||
| EURm | 2015 | 2014 | |||
| Group, total | -545 | -558 | |||