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Notes to the Group’s Financial Statements

6 Other operating expenses
P&C insurance
EURm 2014 2013
IT costs -101 -100
Other staff costs -15 -16
Marketing expenses -42 -44
Depreciation and amortisation -15 -11
Rental expenses -48 -53
Change in deferred acquisition costs -14 3
Direct insurance comissions -171 -180
Commissions on reinsurance ceded 14 18
Other -111 -108
P&C insurance, total -502 -493
Life insurance
EURm 2014 2013
IT costs -14 -12
Other staff costs -2 -2
Marketing expenses -3 -3
Depreciation and amortisation -2 -3
Rental expenses -3 -3
Direct insurance comissions -10 -10
Comissions of reinsurance assumed -2 0
Commissions on reinsurance ceded 2 2
Other -25 -23
Life insurance, total -60 -54
Item Other for P&C and Life Insurance includes e.g. expenses related to communication, external services and other administrative expenses.
Holding
EURm 2014 2013
IT costs -1 -0
Marketing expenses -1 -2
Rental expenses -1 -1
Other -9 -8
Holding, total -12 -11
Item Other includes e.g. consultancy fees and rental and other administrative expenses.
Elimination items between segments 16 16
EURm 2014 2013
Group, total -558 -543
Note
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