Sampo Group

29 Financial liabilities
31 Employee benefits

Notes to the Group's Financial Statements

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P&C insurance
EURm         2011
At 1 Jan 2011           36
Exchange rate differences           0
Additions           15
Amounts used during the period           -13
Unused amounts reversed during the period           -1
At 31 Dec 2011           37
Current (less than 1 year)           29
Non-current (more than 1 year)           8
Total           37
The development of efficient administrative and claims-adjustment processes and structural changes in distribution channels result in organisational changes that affect all business areas. The provision consists mainly of assets reserved for future expenses attributable to previously implemented or planned future organisational changes.
29 Financial liabilities
31 Employee benefits