In € thousand

Provisions for jubilee benefits

Customer services and marketing provision

Provision for legal and consulting expenses

Provision for premium adjustment of reinsurance contracts

Provision for portfolio maintenance commission

Miscellaneous other provisions

Total

At 1 January 2015

14,884

75,763

7,948

7,911

3,174

80,487

190,167

Additions

1,414

73,879

2,504

2,768

1,792

61,708

144,066

Reversal of unused provisions

–917

–3,137

–2,099

–3

0

–19,860

–26,017

Addition due to unwinding of the discount

321

0

0

0

0

0

321

Change in basis of consolidation

0

0

–1

0

0

1,691

1,690

Reclassifications

0

2

0

0

0

–2

0

Use in current year

–10

–71,219

–2,932

–4,853

–1,023

–34,171

–114,208

Foreign exchange differences

0

–10

0

7

57

–23

30

At 31 December 2015

15,692

75,279

5,420

5,829

4,000

89,830

196,049

At 1 January 2016

15,692

75,279

5,420

5,829

4,000

89,830

196,049

Additions

1,162

79,268

712

1,610

3,437

78,829

165,017

Reversal of unused provisions

0

–1,738

–428

–78

–1

–18,098

–20,344

Addition due to unwinding of the discount

144

0

0

0

0

0

144

Change in basis of consolidation

342

0

32

0

0

–4,389

–4,015

Reclassifications

0

–3

0

0

0

603

600

Use in current year

–1,805

–64,621

–2,344

–3,908

–3,729

–52,674

–129,081

Foreign exchange differences

0

81

–19

0

0

10

72

Reclassifications held for sale

0

–306

–1,480

0

0

–7,561

–9,347

At 31 December 2016

15,535

87,960

1,894

3,452

3,707

86,549

199,096