| 6 Other operating expenses | |||||
| P&C insurance | |||||
| EURm | 2013 | 2012 | |||
| IT costs | |||||
| Other staff costs | -16 | -17 | |||
| Marketing expenses | -44 | -45 | |||
| Depreciation and amortisation | -11 | -9 | |||
| Rental expenses | -53 | -53 | |||
| Change in deferred acquisition costs | 3 | 10 | |||
| Direct insurance comissions | -180 | -184 | |||
| Commissions on reinsurance ceded | 18 | 19 | |||
| Other | -108 | -144 | |||
| P&C insurance, total | -393 | -422 | |||
| Life insurance | |||||
| EURm | 2013 | 2012 | |||
| IT costs | -12 | -14 | |||
| Other staff costs | -2 | -2 | |||
| Marketing expenses | -3 | -4 | |||
| Depreciation and amortisation | -3 | -4 | |||
| Rental expenses | -3 | -3 | |||
| Direct insurance comissions | -10 | -8 | |||
| Comissions of reinsurance assumed | 0 | -1 | |||
| Commissions on reinsurance ceded | 2 | 1 | |||
| Other | -23 | -24 | |||
| Life insurance, total | -54 | -58 | |||
| Item Other for P&C and Life Insurance includes e.g. expenses related to communication, external services and other administrative expenses. | |||||
| Holding | |||||
| EURm | 2013 | 2012 | |||
| IT costs | -0 | -0 | |||
| Other staff costs | -0 | -0 | |||
| Marketing expenses | -2 | -1 | |||
| Depreciation and amortisation | -0 | -0 | |||
| Rental expenses | -1 | -1 | |||
| Other | -8 | -9 | |||
| Holding, total | -11 | -13 | |||
| Item Other includes e.g. consultancy fees and rental and other administrative expenses. | |||||
| Elimination items between segments | 16 | 16 | |||
| EURm | 2013 | 2012 | |||
| Group, total | -543 | -576 | |||
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