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18. Change in measurement of investment contracts

Change in measurement of investment contracts1 January – 31 December 20141 January – 31 December 2013
Resulting from investment contracts with guaranteed and fixed terms and conditions: 16,609 43,536
- interest expense calculated using the effective interest rate method 16,609 43,536
Resulting from unit-linked investment contracts -2,578 34,179
Total change in measurement of investment contracts, total 14,031 77,715