Staff and expenditures on personnel

STAFF

N151 AVERAGE ANNUAL NUMBER OF STAFF EMPLOYED
   
    2013 2012
  Industrial Lines 2,878 2,770
  Retail Germany 5,092 5,335
  Retail International 8,072 8,598
  Reinsurance companies 2,376 2,263
  Corporate Operations 2,792 2,588
  Total excluding apprentices and student trainees 21,210 21,554
  Apprentices and student trainees 509 493
  Total 21,719 22,047
   

As at the balance sheet date, a total workforce of 21,529 (22,180) was employed by the Group.

The decline in the Retail International segment was expected as a result of restructuring measures associated with the integration of our Polish insurance company TUiR WARTA S.A.

Expenses for personnel

Expenses for personnel mainly comprise expenditures on insurance operations, claims management (loss adjustment) and the management of investments.

N152 BREAKDOWN OF EXPENSES FOR PERSONNEL
  FIGURES IN EUR MILLION
    2013 2012
  Wages and salaries 1,087 1,005
  Social security contributions and expenditure on provisions and assistance    
  Social security contributions 137 127
  Expenditures for pension scheme 73 73
  Expenditures for assistance 19 18
    229 218
  Total 1,316 1,223