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