Výročná správa 2009 - Komunálna Poisťovňa

(All amount are in thousands of Euros, unless stated otherwise)23. Expensesa) Expenses for the acquisition of insurance contractsYear ended 31 December 2009 2008Release of DAC 799 804Costs incurred for the acquisition of insurance contracts expensed in the year 11,142 11,748Total expenses for the acquisition of insurance contracts 11,941 12,552b) Marketing and administrative expensesYear ended 31 December 2009 2008Marketing and administrative expenses 4,952 4,029Depreciation of property, plant and equipment (Note 5 and 6) 348 335Amortization of intangible assets (Note 7) 229 188Total 5,529 4,552c) Other operating costsYear ended 31 December 2009 2008Change in impairment provision to receivables and write-off receivables -940 8588% contribution to Ministry of Interior of the Slovak Republic 1,700 2,033Taxes 11 16Fees 82 316Other 49 42Total other operating costs 902 3,265Expenses by natureYear ended 31 December 2009 2008Employee benefits expenses (Note 24) 4,630 4,565Commissions for external agents 6,756 6,8038% contribution to Ministry of Interior of the Slovak Republic 1,700 2,033Marketing and administrative expenses 450 1,029Change in impairment provision to receivables and write-off receivables -940 858Purchase of goods and services 1,851 1,378Material costs 1,185 1,095Rent 788 645Depreciation (Note 5, 6 and 7) 579 524Release of DAC (Note 23) 799 804Other 244 375Consume contribution 192 134Insurance costs 48 63Membership fees 90 63Total expenses 18,372 20,36924. Náklady na odmeňovanie zamestnancovYear ended 31 December 2009 2008Ročná účtovná závierka a komentár I Company AccountsWages and salaries, and termination benefits 3,607 3,559Social and health care costs 519 603Pension costs – defined contribution plans 504 403Total 4,630 4,565193