39.1 Non-life insurance

Claims and change in provisions in non-life insurance1 January - 31 December 20131 January - 31 December 2012
Gross claims and change in provisions in non-life insurance 5 250 037 5 776 295
Claims and claims handling expenses for the current period 2 876 867 3 186 582
Claims and claims handling expenses for previous periods 1 601 198 1 502 148
Change in provision for claims outstanding 771 972 1 087 565
Reinsurers’ share in claims and change in provisions in non-life insurance (33 889) (152 446)
Claims and claims handling expenses for the current period (9 973) (32 034)
Claims and claims handling expenses for previous periods (266 072) (95 721)
Change in provision for claims outstanding 242 156 (24 691)
Net claims and change in provisions in non-life insurance 5 216 148 5 623 849
Claims and claims handling expenses for the current period 2 866 894 3 154 548
Claims and claims handling expenses for previous periods 1 335 126 1 406 427
Change in provision for claims outstanding 1 014 128 1 062 874

Change in technical provisions in non-life insurance

Change in provision for unearned premium in non-life insurance1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet of reinsurance
Opening balance 4 435 516 (190 865) 4 244 651 4 411 652 (163 937) 4 247 715
Increase (decrease) in provisions for policies concluded in the current year 4 220 358 (160 456) 4 059 902 4 193 481 (152 296) 4 041 185
Increase (decrease) in provisions for policies concluded in previous years (4 225 756) 140 844 (4 084 912) (4 158 221) 124 662 (4 033 559)
Exchange differences during the period (1 290) 537 (753) (11 396) 706 (10 690)
Change in the consolidation scope 17 - 17      
Closing balance 4 428 845 (209 940) 4 218 905 4 435 516 (190 865) 4 244 651
 
Change in provision for unexpired risk in non-life insurance1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet of reinsurance
Opening balance 8 202 (5) 8 197 13 411 (167) 13 244
Increase (decrease) in provisions for policies concluded in the current year 5 546 - 5 546 2 330 157 2 487
Increase (decrease) in provisions for policies concluded in previous years (5 016) (12) (5 028) (6 609) (5) (6 614)
Exchange differences during the period 38 1 39 (930) 10 (920)
Closing balance 8 770 (16) 8 754 8 202 (5) 8 197
   
Change in provisions for claims outstanding in non-life insurance1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet of reinsurance
Opening balance, including: 5 362 089 (304 051) 5 058 038 4 817 359 (283 085) 4 534 274
- for claims reported 1 970 611 (234 276) 1 736 335 1 824 201 (233 774) 1 590 427
- for claims incurred but not reported (IBNR) 2 413 008 (55 337) 2 357 671 2 171 324 (37 503) 2 133 821
- for claims handling expenses 978 470 (14 438) 964 032 821 834 (11 808) 810 026
Paid claims concerning losses incurred in previous years, including (1 506 275) 265 311 (1 240 964) (1 479 312) 90 206 (1 389 106)
- claims paid (1 276 357) 261 990 (1 014 367) (1 264 643) 87 450 (1 177 193)
- claims handling expenses (229 918) 3 321 (226 597) (214 669) 2 756 (211 913)
Increase (decrease) in provisions, including: 2 185 105 (130 145) 2 054 960 2 036 969 (108 895) 1 928 074
- losses incurred in the current year 1 895 793 (35 684) 1 860 109 2 078 170 (111 127) 1 967 043
- losses incurred in the previous years 289 312 (94 461) 194 851 (41 201) 2 232 (38 969)
Other changes - (1 834) (1 834) - (5 049) (5 049)
Exchange differences during the period 111 344 455 (12 927) 2 772 (10 155)
Closing balance 6 041 030 (170 375) 5 870 655 5 362 089 (304 051) 5 058 038
- for claims reported 2 072 193 (121 826) 1 950 367 1 970 611 (234 276) 1 736 335
- for claims incurred but not reported (IBNR) 2 615 113 (29 989) 2 585 124 2 413 008 (55 337) 2 357 671
- for claims handling expenses 1 353 724 (18 560) 1 335 164 978 470 (14 438) 964 032
 
Change in provision for capitalized value of annuity claims – non-life insurance1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet of reinsurance
Opening balance 5 660 281 (254 413) 5 405 868 5 088 626 (253 524) 4 835 102
Paid claims concerning losses incurred in previous years (179 944) 3 839 (176 105) (174 797) 7 896 (166 901)
Increase (decrease) in provisions for losses incurred in the previous years 23 321 104 997 128 318 221 010 11 333 232 343
Adjustments resulting from revision of technical rates (16 981) 775 (16 206) 244 950 (13 889) 231 061
Increase in provisions for losses incurred in the current year 274 655 - 274 655 265 864 - 265 864
Other changes - (1 378) (1 378) 14 628 (6 229) 8 399
Closing balance 5 761 332 (146 180) 5 615 152 5 660 281 (254 413) 5 405 868