34. Liabilities due to insurance operations

 31.12.201431.12.2013
Technical provisions 176,441 -
Liabilities due to insurer’s investment contracts divided into: 2,503,281 -
  Structured products 252,184 -
  Products combining policy and deposit 3,732 -
  Unit-Linked investment products  2,247,365 -
Total 2,679,722 -

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 68 ‘Insurance risk management’.

 31.12.201431.12.2013
Liabilities due to insurance operations, gross, of which:    
Provisions for life insurance 188,099 -
Provisions for unpaid claims and benefits 67,316 -
Technical provisions for life insurance if a policyholder bears the deposit (investment) risk 2,284,839 -
Provisions for premiums and provisions for unexpired risk 138,909 -
Provisions for the bonuses and rebates for the insured 691 -
Other technical provisions defined in the memorandum 1 -
Total liabilities due to insurance operations, gross 2,679,855 -
Reinsurer’s share (133) -
Liabilities due to insurance operations, net 2,679,722 -