XML 49 R25.htm IDEA: XBRL DOCUMENT v3.25.0.1
Operating Expenses and Commissions
 12 Months Ended
Dec. 31, 2024
Analysis of income and expense [abstract]  
Operating Expenses and Commissions
17. Operating Expenses and Commissions
For the years ended December 31, 20242023
Operating expenses incurred (insurance and non-insurance):
Employee expenses(1)
$6,629 $6,144 
Premises and equipment197 216 
Capital asset depreciation262 249 
Service fees1,350 1,220 
Amortization and impairment of intangible assets and goodwill678 349 
Other expenses2,944 2,610 
Total operating expenses incurred (insurance and non-insurance)12,060 10,788 
Commissions incurred:
Insurance2,243 2,084 
Non-insurance1,014 948 
Total commissions incurred (insurance and non-insurance)3,257 3,032 
Total operating expenses and commissions incurred (insurance and non-insurance)15,317 13,820 
Less: Amounts directly attributable to the acquisition and fulfillment of insurance contracts6,551 5,825 
Total operating expenses and commissions$8,766 $7,995 

(1)    See table below for further details.

Employee expenses consist of the following:
For the years ended December 31,20242023
Salaries, bonus, employee benefits $5,977 $5,605 
Share-based payments (Note 18)
610 491 
Other personnel costs42 48 
Total employee expenses$6,629 $6,144