18. Interest expense [1]
| Interest expense | 1 January - 31 December 2015 | 1 January - 31 December 2014 | 
| Sell buy-back transactions | 68,209 | 105,975 | 
| Own debt instruments issued | 37,655 | 15,676 | 
| Bank loans taken by PZU Group entities | 4,394 | 8,908 | 
| Investment contracts with guaranteed and fixed terms and conditions | 6,477 | 16,609 | 
| Other | 698 | 117 | 
| Total interest expense | 117,433 | 147,285 | 
