Sampo Group

4 Change in liabilities for insurance and investment contracts
6 Other operating expenses

Notes to the Group's Financial Statements

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5 STAFF COSTS
               
P&C insurance
               
EURm         2011 2010
Staff costs            
  Wages and salaries         -356 -340
  Cash-settled share-based payments         -5 -9
  Pension costs            
  - defined contribution plans         -46 -41
  - defined benefit plans (Note 31)         -19 -22
  Other social security costs         -68 -68
P&C insurance, total   -494 -479
               
               
Life insurance
               
EURm         2011 2010
Staff costs            
  Wages and salaries         -30 -27
  Cash-settled share-based payments         -1 -2
  Pension costs - defined contribution plans         -5 -4
  Other social security costs         -2 -3
Life insurance, total   -38 -35
               
               
Holding
               
EURm         2011 2010
Staff costs            
  Wages and salaries         -8 -7
  Cash-settled share-based payments         -2 -4
  Pension costs - defined contribution plans         -1 -1
  Other social security costs         -1 -1
Holding, total   -11 -13
               
Group, total         -543 -527
               
More information on share-based payments in Note 36 Incentive schemes.
               
4 Change in liabilities for insurance and investment contracts
6 Other operating expenses