The amounts recognized in the consolidated income statement in relation to the aforementioned defined benefit obligations are as follows:

Thousand of reais	Post-Employment Plans
		2017	2016	2015

Staff costs - Current service costs (note 41)		14,605	15,416	20,560
Interest and similar income and expenses - Interest cost (net) (notes 33 and 34)		70,429	120,524	187,650
Interest and similar income and expenses - Interest on unrecognized assets (notes 33 and 34)		105,832	117,981	95,652
Other movements		5,323	4,355	(2,607)
Total		196,189	258,276	301,255

The changes in the present value of the accrued defined benefit obligations were as follows:


Thousand of reais	Post-Employment Plans
		2017	2016	2015

Present value of the obligations at beginning of year		20,769,126	17,525,799	17,891,352
Current service cost (Note 41)		14,605	15,416	20,560
Interest cost		2,170,639	2,046,949	1,877,942
Benefits paid		(1,834,681)	(1,679,794)	(1,530,082)
Actuarial (gains)/losses		871,308	2,844,733	(753,155)
Others		10,612	16,023	19,182
Present value of the obligations at end of year		22,001,609	20,769,126	17,525,799

The changes in the fair value of the plan assets were as follows:


Thousand of reais	Post-Employment Plans
		2017	2016	2015

Fair value of plan assets at beginning of year		20,116,916	16,275,269	16,067,029
Interest (Expense) Income		2,100,211	1,926,424	1,690,293
Remeasurement - Actual return (loss) on plan assets excluding the amounts included in net interest expense		268,309	1,589,517	(297,461)
Contributions/(surrenders)		38,883	2,001,806	298,198
Of which:
By the Bank		27,439	1,985,722	279,111
By plan participants		11,444	16,084	19,087
Benefits paid		(1,834,682)	(1,676,116)	(1,482,914)
Exchange differences and other items		-	16	124
Fair value of plan assets at end of year		20,689,637	20,116,916	16,275,269

Opening of gains (losses) Actuarial from experience, financial assumptions and demographic hypotheses:



Thousand of reais	Post-Employment Plans
	2017	2016	2015
Experience Plan	686,204	(696,910)	(1,299,660)
Changes in Financial Assumptions	(1,557,689)	(2,135,189)	2,049,061
Changes in Financial Demographic	146	(12,773)	-
Gain (Loss) Actuarial - Obligation	(871,339)	(2,844,872)	749,401
Return on Investment, Return Unlike Implied Discount Rate	270,158	1,589,446	(297,271)
Gain (Loss) Actuarial - Asset	270,158	1,589,446	(297,271)
Changes in Surplus Uncollectible	(15,690)	-	-

The experience adjustments arising from plan assets and liabilities are shown bellow:


Thousand of reais	Post - Employment Plans
	2017	2016	2015

Experience in Net Assets Adjustments	268,309	1,589,517	(297,461)

The amounts of actuarial obligation of defined benefit plans uninsured and defined benefit plans partially or totally covered are shown below:


Thousand of reais	2017	2016	2015


Defined benefit plans uninsured	701,551	826,963	878,550
Defined benefit plans partially or totally covered	26,343,818	22,734,017	23,090,769

The following table shows the estimated benefits payable on December 31, 2017 for the next ten years:

The following table shows the duration of the actuarial liabilities of the plans sponsored by Banco Santander:

Actuarial Assumptions Adopted in Calculations


		2017		2016		2015
	Pension	Health	Pension	Health	Pension	Health
Nominal Discount Rate for Actuarial Obligation	9.5%	9.7%	10.9%	10.8%	12.3%	12.0%
Rate Calculation of Interest Under Assets to the Next Year	9.5%	9.7%	10.9%	10.8%	12.3%	12.0%
Estimated Long-term Inflation Rate	4.0%	4.0%	4.5%	4.5%	4.5%	4.5%
Estimated Salary Increase Rate	5.0%	5.0%	5.0%	5.0%	5.0%	5.0%
Mortality tables	AT2000	AT2000	AT2000	AT2000	AT2000	AT2000

(1) For Banesprev II, V and Pré 75 plans.

(2) For Cabesp plans.