| 4 Change in liabilities for insurance and investment contracts | |||||
| P&C insurance | |||||
| EURm | 2013 | 2012 | |||
| Change in unearned premium provision | -46 | -79 | |||
| Reinsurers' share | -10 | 1 | |||
| Change in unearned premium provision, net | -55 | -78 | |||
| Life insurance | |||||
| EURm | 2013 | 2012 | |||
| Insurance contracts | |||||
| Life-insurance | |||||
| Contracts with discretionary participation feature (DPF) | 19 | 47 | |||
| Other contracts | 0 | 0 | |||
| Unit-linked contracts | -232 | -214 | |||
| Total | -213 | -167 | |||
| Pension insurance | |||||
| Contracts with discretionary participation feature (DPF) | 102 | 83 | |||
| Unit-linked contracts | -183 | -229 | |||
| Total | -80 | -146 | |||
| Assumed reinsurance | -3 | 0 | |||
| Insurance contracts total, gross | -296 | -313 | |||
| Reinsurers´ share | 0 | 0 | |||
| Insurance contracts total, net | -296 | -313 | |||
| Investment contracts | |||||
| Capital redemption policy | |||||
| Contracts with discretionary participation feature (DPF) | 2 | 1 | |||
| Unit-linked contracts | -353 | -330 | |||
| Investment contracts, total | -352 | -329 | |||
| Change in liabilities for insurance and investment contracts in total, gross | -648 | -642 | |||
| Change in liabilities for insurance and investment contracts in total, net | -648 | -642 | |||
| Elimination items between segments | 6 | 1 | |||
| Group, total | -697 | -719 | |||
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