| Claims, benefits and movement in technical provisions | 1 January – 31 December 2019 | 1 January – 31 December 2018 |
| Claims, benefits and movement in technical provisions | 16,085 | 14,980 |
| In non-life insurance | 9,328 | 9,042 |
| – claims and benefits | 7,925 | 7,263 |
| – movement in technical provisions | 584 | 992 |
| – claims handling expenses | 819 | 787 |
| In life insurance | 6,757 | 5,938 |
| – claims and benefits | 6,102 | 6,049 |
| – movement in technical provisions | 520 | (242) |
| – claims handling expenses | 135 | 131 |
| Reinsurers’ share in claims, benefits and movement in technical provisions | (390) | (417) |
| In non-life insurance | (390) | (417) |
| Total net insurance claims and benefits | 15,695 | 14,563 |
| Claims and benefits handling expenses by type | 1 January – 31 December 2019 | 1 January – 31 December 2018 |
| Consumption of materials and energy | 15 | 15 |
| Third party services | 260 | 259 |
| Taxes and charges | 32 | 31 |
| Employee expenses | 431 | 400 |
| Depreciation of property, plant and equipment | 15 | 15 |
| Amortization of intangible assets | 23 | 22 |
| Other, including: | 178 | 176 |
| – awarded costs, interest and fines in indemnity cases | 167 | 165 |
| – other | 11 | 11 |
| Total claims and benefits handling expenses | 954 | 918 |