43.2 Technical provisions – life insurance

Change in life insurance provision – insurance contracts 1 January - 31 December 2015 1 January - 31 December 2014
  gross reinsurers' share own share gross reinsurers' share own share
Opening balance 16,721,639 - 16,721,639 16,526,794 - 16,526,794
Increase (decrease) in provisions related to current year policies 434,269 - 434,269 490,085 - 490,085
Increase (decrease) in provisions related to prior year policies (527,141) - (527,141) (306,608) - (306,608)
Changes in assumptions resulting from technical interest rate changes 498 - 498 45,395 - 45,395
Exchange differences (22,997) - (22,997) (34,027) - (34,027)
Closing balance 16,606,268 - 16,606,268 16,721,639 - 16,721,639
 
Gross change in life unit-linked insurance provision 1 January - 31 December 2015 1 January - 31 December 2014
  gross reinsurers' share own share gross reinsurers' share own share
Opening balance 4,425,556 - 4,425,556 3,907,221 - 3,907,221
Increases in the fund due to premiums 965,607 - 965,607 1,045,805 - 1,045,805
Payments deducted from the fund for risk, administration and other (89,502) - (89,502) (90,026) - (90,026)
Revenue from the fund’s investments (3,471) - (3,471) 147,597 - 147,597
Decreases in the fund due to claims, redemptions, etc. (538,013) - (538,013) (547,991) - (547,991)
Other decreases (38,307) - (38,307) (60,274) - (60,274)
Other increases 22,087 - 22,087 23,224, - 23,224
Closing balance 4,743,957 - 4,743,957 4,425,556 - 4,425,556
 
Gross change in provisions for outstanding claims 1 January - 31 December 2015 1 January - 31 December 2014
  gross reinsurers' share own share gross reinsurers' share own share
RBNP at the beginning of the period 112,728 - 112,728 138,366 - 138,366
IBNR at the beginning of the period 398,859 - 398,859 407,385 - 407,385
Total RBNP and IBNR at the beginning of the period 511,587 - 511,587 545,751 - 545,751
Provisions for claims applied during the year (564,032) - (564,032) (523,413) - (523,413)
Provisions for claims created during the year 610,125 (60) 610,065 489,249 - 489,249
Total RBNP and IBNR at the end of the period 557,680 (60) 557,620, 511,587 - 511,587
RBNP at the end of the period 155,146 (60) 155,086, 112,728 - 112,728
IBNR at the end of the period 402,534 - 402,534 398,859 - 398,859