39.3 Claims handling costs

Claims handling costs, by type1 January - 31 December 20131 January - 31 December 2012
Consumption of materials and energy 18 766 16 562
External services 185 488 208 681
Taxes and charges 15 330 12 794
Employee expenses 297 618 318 090
Depreciation of property, plant and equipment 13 603 15 157
Amortization of intangible assets 12 904 17 764
Other (by type), including: 86 582 68 906
- Default interest, penalties and damages 77 608 59 945
- other 8 974 8 961
Claims handling costs total 630 291 657 954