315 Schedule V Valuation and qualifying accounts Amounts in million EUR 2013 2012 2011 Balance at January 1 355 337 332 Addition charged to earnings 47 79 93 Amounts written off and other changes (46) (65) (81) Currency translation (4) 5 (7) Balance at December 31 351 356 337 The provisions can be analyzed as follows: Mortgages 163 167 156 Other loans 77 57 43 Receivables 111 132 138 Total 351 356 337