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Notes to the Group’s Financial Statements

Select note 1–41

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• 1 Insurance premiums written
• 2 Net income from investments
• 3 Claims incurred
• 4 Change in liabilities for insurance and investment contracts
• 5 Staff costs
• 6 Other operating expenses
• 7 Result analysis of P&C insurance
• 8 Performance analysis per class of P&C insurance
• 9 Earnings per share
• 10 Financial assets and liabilities
• 11 Property, plant and equipment
• 12 Investment property
• 13 Intangible assets
• 14 Investments in associates
• 15 Financial assets
• 16 Fair values
• 17 Determination and hierarchy of fair values
• 18 Movements in level 3 financial instruments measured at fair value
• 19 Sensitivity analysis of level 3 financial instruments measured at fair value
• 20 Investments related to unit-linked insurance contracts
• 21 Deferred tax assets and liabilities
• 22 Taxes
• 23 Components of other comprehensive income
• 24 Tax effects relating to components of other comprehensive income
• 25 Other assets
• 26 Cash and cash equivalents
• 27 Liabilities from insurance and investment contracts
• 28 Liabilities from unit-linked insurance and investment contracts
• 29 Financial liabilities
• 30 Provisions
• 31 Employee benefits
• 32 Other liabilities
• 33 Contingent liabilities and commitments
• 34 Equity and reserves
• 35 Related party disclosures
• 36 Incentive schemes
• 37 Auditors' fees
• 38 Legal proceedings
• 39 Investments in subsidiaries
• 40 Investments in shares and participations other than subsidiaries and associates
• 41 Events after the balance sheet date

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25 Other assets
P&C insurance
EURm				2014	2013
Interests				66	102
Assets arising from direct insurance operations				1,103	1,119
Assets arising from reinsurance operations				34	45
Settlement receivables				2	3
Deferred acquisition costs 1)				138	159
Assets related to Patient Insurance Pool				117	69
Other				73	62
P&C insurance, total				1,533	1,559
Other assets include non-current assets EURm 122 (71).
Item Other comprise rental deposits, salary and travel advancements and assets held for resale.
1) Change in deferred acquisition costs in the period
EURm				2014	2013
At 1 Jan.				159	172
Net change in the period				-14	-3
Exchange differences				-7	-10
At 31 Dec.				138	159
Life insurance
EURm				2014	2013
Interests				30	36
Receivables from policyholders				3	3
Assets arising from reinsurance operations				1	1
Settlement receivables				68	8
Assets pledged for trading in derivatives				72	6
Other				33	27
Life insurance, total				208	81
Item Other comprise e.g. pensions paid in advance and receivables from co-operation companies.
Holding
EURm				2014	2013
Interests				37	36
Settlement receivables				9	-
Other				4	11
Holding, total				50	47
Item Other includes e.g. asset management fee receivables.
Elimination items between segments				-11	-10
EURm				2014	2013
Group, total				1,781	1,676

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