in EUR million 2004 2005
Expenses
Salaries 1,193 1,139
Post-employment benefit costs and social security charges 379 309
Other employee expenses 212 214
Employee expenses 1,784 1,662
Administration expenses 1,208 1,281
Commissions 3,051 3,317
Deferred expenses (1,735) (1,980)
Amortization of deferred expenses and VOBA 1,476 1,242
Commissions and operating expenses 5,784 5,522
 
Number of employees (headcount)
Americas 11,457 11,391
The Netherlands 4,337 4,362
United Kingdom 4,354 4,378
Other countries 2,073 1,799
Agent-employees 5,225 5,229
Total 27,446 27,159