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Notes to the Accounts

6 Other Operating Expenses
               
P&C insurance        
               
EURm         2010 2009
  IT costs         -97 -93
  Other staff costs         -16 -16
  Marketing expenses         -44 -39
  Depreciation and amortisation         -19 -20
  Rental expenses         -50 -46
  Change in deferred acquisition costs         8 13
  Direct insurance comissions         -151 -139
  Commissions on reinsurance ceded         16 18
  Other         -149 -117
P&C insurance, total         -501 -439
               
Life insurance            
               
EURm         2010 2009
  IT costs         -11 -11
  Other staff costs         -1 -1
  Marketing expenses         -4 -4
  Depreciation and amortisation         -5 -3
  Rental expenses         -3 -3
  Direct insurance comissions         -5 -4
  Comissions of reinsurance assumed         -1 -2
  Commissions on reinsurance ceded         2 1
  Other         -20 -19
Life insurance, total         -49 -46
               
Item Other for P&C and Life Insurance includes e.g. expenses related to communication, external services and other administrative expenses.
In 2010, item Other for P&C Insurance includes also the effect of dissolvement of the collective guarantee item EURm 25.
               
Holding            
               
EURm         2010 2009
  IT costs         -1 -1
  Other staff costs         0 0
  Marketing expenses         -1 -1
  Depreciation and amortisation         0 0
  Rental expenses         -1 -3
  Other         -8 -12
Holding, total         -11 -17
               
Item Other includes e.g. consultancy fees and rental and other administrative expenses.
               
Elimination items between segments         15 7
             
Group, total         -547 -495
               
               
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