Movement in the life insurance provision, provision for bonuses and discounts and other technical provisions – insurance contracts 1 January – 31 December 2022 1 January – 31 December 2021
gross share of reinsurers net gross share of reinsurers net
Beginning of the period 16 515 16 515 16 505 16 505
Increase (reduction) of provisions relating to policies concluded in the current year 2 115 2 115 1 384 1 384
Increase (reduction) of provisions relating to policies concluded in previous years -1 427 -1 427 -1 388 -1 388
Changes in assumptions resulting from movements in technical rates -1 -1
Foreign exchange differences -29 -29 14 14
End of the period 17 173 17 173 16 515 16 515

Movement in unit-linked life insurance provision 1 January – 31 December 2022 1 January – 31 December 2021
gross share of reinsurers net gross share of reinsurers net
Beginning of the period 5 963 5 963 5 920 5 920
Fund increases due to premiums 504 504 1 193 1 193
Fees charged -102 -102 -104 -104
Income on fund’s investments -454 -454 -75 -75
Fund reductions due to claims, surrenders etc. -1 120 -1 120 -921 -921
Other changes -36 -36 -50 -50
End of the period 4 755 4 755 5 963 5 963

Movement in provisions for outstanding claims and benefits 1 January – 31 December 2022 1 January – 31 December 2021
gross share of reinsurers net gross share of reinsurers net
Beginning of the period 676 676 613 613
Claims provisions used during the year -668 -668 -613 -613
Claims provisions recognized during the year 668 668 676 676
End of the period 676 676 676 676