40. Benefits and change in measurement of investment contracts

Benefits and change in measurement of investment contracts1 January - 31 December 20131 January - 31 December 2012
Resulting from investment contracts with guaranteed and fixed terms and conditions 43 536 85 140
- interest expenses included in the effective interest rate 43 536 85 140
Resulting from unit-linked investment contracts 34 179 91 640
Benefits and change in measurement of investment contracts total 77 715 176 780