19. Other expenses and income
19.1. Other expenses
| (CZK’000) | 2015 | 2014 |
| Other technical expenses – non-life insurance | 457,324 | 490,628 |
| Other technical expenses – life insurance | 67,902 | 67,441 |
| Other expenses – Non-technical account | 245,606 | 231,594 |
| Total other expenses | 770,832 | 789,663 |
As at 31 December 2015, the reinsurers’ share on the balance sheet account Other technical expenses amounts to 0.9% for non-life insurance and 1% for life insurance (in 2014 it was 1% and 1.1% respectively).
Other expenses may be analyzed as follows:
| (CZK’000) | 2015 | 2014 |
| Creation of allowances against receivables (Note 8) | 416,313 | 485,683 |
| Creation of other provisions (Note 13) | 174,691 | 196,547 |
| Foreign exchange losses | 6,946 | 15,719 |
| Costs for remuneration paid to auditors | 6,450 | 6,359 |
| Other | 173,432 | 85,355 |
| Total other expenses | 777,832 | 789,663 |
19.2. Other income
| (CZK’000) | 2015 | 2014 |
| Other technical income – non-life insurance | 447,008 | 464,899 |
| Other technical income – life insurance | 74,877 | 62,625 |
| Other income – Non-technical account | 170,210 | 312,978 |
| Total other income | 692,095 | 840,502 |
Other income may be analyzed as follows:
| (CZK’000) | 2015 | 2014 |
| Use of allowances against receivables (Note 8) | 51,312 | 18,196 |
| Release of allowances against receivables (Note 8) | 440,118 | 559,588 |
| Usage of other provisions (Note 13) | 172,977 | 199,106 |
| Foreign exchange gains | 2,381 | 5,004 |
| Other | 25,307 | 58,608 |
| Total other income | 692,095 | 840,502 |
