EN
PL
| Technical provisions by classes specified in section II of the appendix to the Act on Insurance Activity | 31 December 2016 | 31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Accident and sickness insurance (group 1 and 2) | 386 | - | 386 | 409 | (1) | 408 |
| Motor third-party liability insurance (group 10) | 12,551 | (306) | 12,245 | 11,770 | (264) | 11,506 |
| Other motor insurance (group 3) | 2,446 | (41) | 2,405 | 2,022 | (33) | 1,989 |
| Sea, aircraft and transport insurance (groups 4, 5, 6, 7) | 94 | (20) | 74 | 100 | (34) | 66 |
| Insurance against fire and other damage to property (groups 8, 9) | 1,810 | (271) | 1,539 | 1,810 | (287) | 1,523 |
| Third-party liability insurance (groups 11, 12, 13) | 2,150 | (92) | 2,058 | 2,225 | (83) | 2,142 |
| Credit insurance and suretyship (groups 14, 15) | 183 | (72) | 111 | 187 | (75) | 112 |
| Assistance (group 18) | 239 | (4) | 235 | 184 | (5) | 179 |
| Legal protection (group 17) | 7 | - | 7 | 5 | - | 5 |
| Other (group 16) | 522 | (184) | 338 | 566 | (315) | 251 |
| Total technical provisions | 20,388 | (990) | 19,398 | 19,278 | (1,097) | 18,181 |
| Technical provisions – non-life insurance | 31 December 2016 | 31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Short-term | 4,972 | (265) | 4,707 | 5,327 | (307) | 5,020 |
| Long-term | 15,416 | (725) | 14,691 | 13,951 | (790) | 13,161 |
| Total technical provisions | 20,388 | (990) | 19,398 | 19,278 | (1,097) | 18,181 |
Provisions are classified as long-term if the related cash flows are expected to occur after more than 12 months of the end of the reporting period, that is – after 31 December 2016.
Change in provisions
| Change in unearned premiums reserve in non-life insurance | 1 January–31 December 2016 | 1 January–31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Opening balance | 5,643 | (339) | 5,304 | 5,133 | (302) | 4,831 |
| Increase (decrease) in provisions for policies concluded in the current year | 6,552 | (194) | 6,358 | 5,213 | (249) | 4,964 |
| Increase (decrease) in provisions for policies concluded in previous years | (5,255) | 156 | (5,099) | (4,689) | 208 | (4,481) |
| Exchange differences during the period | 17 | - | 17 | (14) | 4 | (10) |
| Total technical provisions | 6,957 | (377) | 6,580 | 5,643 | (339) | 5,304 |
| Change in unexpired risk reserve | 1 January–31 December 2016 | 1 January–31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Opening balance | 119 | - | 119 | 19 | - | 19 |
| Increase (decrease) in provisions for policies concluded in the current year | 23 | - | 23 | 116 | - | 116 |
| Increase (decrease) in provisions for policies concluded in previous years | (116) | - | (116) | (15) | - | (15) |
| Exchange differences during the period | - | - | - | (1) | - | (1) |
| Closing balance | 26 | - | 26 | 119 | - | 119 |
| Change in outstanding claims provisions in non-life insurance | 1 January–31 December 2016 | 1 January–31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Opening balance, including: | 7,706 | (580) | 7,126 | 7,259 | (297) | 6,962 |
| Paid benefits concerning claims incurred in previous years, including: | (2,502) | 247 | (2,255) | (2,052) | 51 | (2,001) |
| - paid claims and benefits | (2,133) | 241 | (1,892) | (1,722) | 47 | (1,675) |
| - claims handling expenses | (369) | 6 | (363) | (330) | 4 | (326) |
| Increase (decrease) in provisions, including: | 2,539 | (87) | 2,452 | 2,507 | (334) | 2,173 |
| - for losses incurred in the current year | 2,751 | (66) | 2,685 | 2,631 | (343) | 2,288 |
| - for losses incurred in previous years | (212) | (21) | (233) | (124) | 9 | (115) |
| Other changes | (24) | (1) | (25) | - | (3) | (3) |
| Exchange differences during the period | 11 | - | 11 | (8) | 3 | (5) |
| Closing balance | 7,730 | (421) | 7,309 | 7,706 | (580) | 7,126 |
| Change in provisions for the capitalized value of annuities – non-life insurance | 1 January–31 December 2016 | 1 January–31 December 2015 | ||||
|---|---|---|---|---|---|---|
| gross | reinsurers' share | own share | gross | reinsurers' share | own share | |
| Opening balance | 5,808 | (178) | 5,630 | 5,998 | (154) | 5,844 |
| Paid claims concerning losses incurred in previous years | (325) | 9 | (316) | (215) | 6 | (209) |
| Increase (decrease) in provisions for losses incurred in the previous years | 13 | (22) | (9) | (116) | (26) | (142) |
| Changes in assumptions resulting from technical interest rate changes | (15) | - | (15) | (15) | - | (15) |
| Increase in provisions for losses incurred in the current year | 168 | - | 168 | 166 | - | 166 |
| Other changes | 24 | (1) | 23 | (10) | (4) | (14) |
| Closing balance | 5,673 | (192) | 5,481 | 5,808 | (178) | 5,630 |
