23. Other operating expenses

Other operating expenses	1 January– 31 December 2016	1 January– 31 December 2015
Costs of core business of companies carrying out neither insurance nor banking activity	506	432
Amortization of intangible assets acquired in business combinations	90	161
Costs from direct claims handling regarding claims on policies concluded with other insurance companies	223	193
Expenses due to prevention activities	77	92
Impairment of non-financial assets	84	2
Compulsory payments to the insurance and bank market authorities	77	68
IT expenses	69	-
Insurance Guarantee Fund	60	42
Bank Guarantee Fund	87	-
Creation of provisions	229 1)	21
Donations	46	2
Payment to National Headquarters of the State Fire Service and Volunteer Fire Service Association consideration	30	32
Financial Institutions Tax	395	-
Other	155	165
Total other operating expenses	2,128	1,222

1) including PLN 200 million from restructuring provision established by Alior Bank

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