237 Below a breakdown is provided of DPAC balances by line of business and reporting segment: 30 Other assets and receivables DPAC Deferred  costs of  reinsurance Deferred  transaction  costs At January 1, 2012 10,411 579 405 Costs deferred during the year 1,474 49 44 Amortization through income statement (1,052) (68) (44) Shadow accounting adjustments (181) - - Impairments - - (4) Net exchange differences 36 (15) 4 Other (7) 13 - At December 31, 2012 10,681 558 405 Americas The  Netherlands United  Kingdom New Markets Total 2013 Life 5,232 110 135 569 6,046 Individual savings and retirement products 1,488 - - 37 1,525 Pensions - 29 3,251 - 3,280 Run-off business 338 - - - 338 At December 31 7,059 138 3,387 606 11,189 2012 Life 4,960 141 155 505 5,761 Individual savings and retirement products 1,162 - - 36 1,198 Pensions - 37 3,365 - 3,402 Run-off business 320 - - - 320 At December 31 6,442 178 3,520 541 10,681 Note 2013 2012 Real estate held for own use and equipment 30.1 487 521 Receivables 30.2 5,261 5,501 Accrued income 30.3 1,609 1,601 At December 31 7,357 7,623