Notes to the Group’s Financial Statements

Select note 1–42
6 Other operating expenses
P&C insurance
EURm 2016 2015
IT costs -103 -114
Other staff costs -14 -15
Marketing expenses -38 -38
Depreciation and amortisation -12 -9
Rental expenses -46 -45
Change in deferred acquisition costs -10 -5
Direct insurance comissions -163 -167
Commissions on reinsurance ceded 12 14
Other -98 -98
P&C insurance, total -472 -477
Life insurance
EURm 2016 2015
IT costs -18 -17
Other staff costs -2 -2
Marketing expenses -4 -4
Depreciation and amortisation -2 -2
Rental expenses -4 -4
Direct insurance comissions -8 -9
Comissions of reinsurance assumed -1 -1
Commissions on reinsurance ceded 2 1
Other -42 -38
Life insurance, total -78 -74
Item Other for P&C and Life Insurance includes e.g. expenses related to communication, external services and other administrative expenses.
Holding
EURm 2016 2015
IT costs -1 -1
Marketing expenses -1 -1
Rental expenses -1 -1
Other -15 -9
Holding, total -18 -12
Item Other includes e.g. consultancy fees and rental and other administrative expenses.
Elimination items between segments 16 17
EURm 2016 2015
Group, total -551 -545
The tables for the Financial Statements are also available in Excel format.