179 ANNUAL REPORT 2010 SHARPENING OUR FOCUS Movements during the year in non-life insurance: 2010 2009 At January 1 5,215 5,200 Gross premiums – existing and new business 2,245 2,108 Unwind of discount / interest credited 226 203 Insurance liabilities released  (1,185)  (1,072) Changes in valuation of expected future claims 13 4 Change in unearned premiums  (1,127)  (1,064) Change in unexpired risks  (4)  (4) Incurred related to current year 717 665 Incurred related to prior years 272 302 Release for claims settled current year  (350)  (307) Release for claims settled prior years  (609)  (630) Change in IBNR  (48)  (46) Net exchange differences 309  (145) Other – 1 AT DECEMBER 31 5,674 5,215 Movements during the year in incoming reinsurance: 2010 2009 At January 1 3,055 3,014 Gross premium and deposits – existing and new business 1,767 1,625 Unwind of discount / interest credited 230 158 Insurance liabilities released  (1,861) (1,593) Changes in valuation of expected future benefi ts  (42) (39) Net exchange differences 238 (106) Other  (12) (4) AT DECEMBER 31 3,375 3,055