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36. Liabilities due to insurance operations

  31.12.2015 31.12.2014
Technical provisions 114 597 176 441
Liabilities due to insurer’s investment contracts divided into: 2 285 896 2 503 281
Structured products 37 051 252 184
Products combining policy and deposit 2 788 3 732
Unit-linked insurance financial products 2 246 057 2 247 365
Total 2 400 493 2 679 722
liabilities_due_to_insurance_operations_1_pko_bp.xlsx

Vast majority of insurance products refer to investment products, in which risk is borne by a policyholder. Detailed information on insurance risk is included in the note 71 ‘Insurance risk management’.

  31.12.2015 31.12.2014
Liabilities due to insurance operations, gross, of which:    
Provisions for life insurance 110 239 188 099
Provisions for unpaid claims and benefits 85 504 67 316
Technical provisions for life insurance if a policyholder bears the deposit (investment) risk 2 088 955 2 284 839
Provisions for premiums and provisions for unexpired risk 115 992 138 909
Provisions for the bonuses and rebates for the insured 48 691
Other technical provisions defined in the memorandum - 1
Total liabilities due to insurance operations, gross 2 400 738 2 679 855
Reinsurer’s share (245) (133)
Liabilities due to insurance operations, net 2 400 493 2 679 722
liabilities_due_to_insurance_operations_2_pko_bp.xlsx