English
Polski
| Technical provisions | 31 December 2015 | 31 December 2014 |
| Technical provisions – non-life insurance | 19,278,600 | 18,410,647 |
| Unearned premiums reserve | 5,642,997 | 5,133,390 |
| Unexpired risks reserve | 119,183 | 19,257 |
| Outstanding claims provisions | 7,706,360 | 7,258,764 |
| Provisions for the capitalized value of annuities | 5,807,892 | 5,997,595 |
| Provisions for bonuses and rebates for the insured | 2,168 | 1,641 |
| Technical provisions – life insurance | 22,001,721 | 21,756,238 |
| Unearned premiums reserve | 93,816 | 97,456 |
| Life insurance provision | 16,221,886 | 16,281,625 |
| Outstanding claims provisions | 557,680 | 511,587 |
| Provisions for bonuses and rebates for the insured | 494 | 650 |
| Other technical provisions | 383,888 | 439,364 |
| Unit-linked reserve | 4,743,957 | 4,425,556 |
| Total technical provisions | 41,280,321 | 40,166,885 |
The table above presents also the amounts of provisions recognized for the old portfolio (as described in Note 5.18.2.2), which are as follows:
| Technical provisions for old portfolio | 31 December 2015 | 31 December 2014 |
| Life insurance provisions | 442,996 | 471,174 |
| Other technical provisions | 168,536 | 194,623 |
| - provisions for low interest rates | 108,846 | 123,273 |
| - provisions for litigations | 59,690 | 71,350 |
| IBNR and RBNP reserve | 1,544 | 2,298 |
| Total technical provisions – old portfolio | 613,076 | 668,095 |
Section consists:
