The Group’s employee costs, which in compared to 2010 , occurred through the following:  numerous internal transfers to cover open job positions created to a great extent by an increase in retire ments comparing to 2010;  limiting of new hires to cover only the specialized positions;  cost rationalization of Group insurance programmes;  the targeted differentiation of salary in positions where their importance and significance suggested or allowed for it;  the decreasing of each training man-hour’s cost by 16% versus 2010.