| Employee expenses | 1 January – 31 December 2022 |
1 January – 31 December 2021 |
| Payroll | 4 977 | 4 600 |
| Defined contribution plans, including: | 894 | 832 |
| charges on salary | 785 | 735 |
| 3rd pillar pension insurance, including costs of EPS or ECS contributions incurred in the period | 109 | 97 |
| Other | 202 | 210 |
| Total employee expenses | 6 073 | 5 642 |
Employee expenses are recognized under “Claims and movement in technical provisions”, “Acquisition expenses”, “Administrative expenses” and “Other operating expenses” in the consolidated profit and loss account.