17.3 Claims handling expenses [1]
| Claims handling expenses, by type | 1 January - 31 December 2015 | 1 January - 31 December 2014 |
| Consumption of materials and energy | 13,870 | 16,722 |
| External services | 233,023 | 189,921 |
| Taxes and charges | 26,715 | 20,037 |
| Employee expenses | 319,450 | 295,472 |
| Depreciation of property, plant and equipment | 12,630 | 11,820 |
| Amortization of intangible assets | 18,527 | 18,650 |
| Other (by type), including: | 159,560 | 119,981 |
| - awarded costs, penal interest and penalties awarded in cases over claims | 147,038 | 110,184 |
| - other | 12,522 | 9,797 |
| Total claims handling expenses | 783,775 | 672,603 |