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Interactive navigation is a tool that goes beyond the standard navigation of the integrated content (available in the report drop-down bar). New approach allowed to navigate in the two additional business dimensions of the PZU Group, i.e .:
- strategy (insurance, health, investments, finances);
- sustainable development (sales, employees, social responsibility, natural environment and ethics).
In the Chapter
GRIs
In the Chapter
GRIs
In the Chapter
GRIs
In the Chapter
GRIs
In the Chapter
GRIs
In the Chapter
GRIs
In the Chapter
Operating model
Climate
Employee
Risk and ethics
Business
In the Chapter
Operating model
Climate
Employee
CSR
Risk and ethics
Market
Business
In the Chapter
Operating model
Employee
Risk and ethics
Business
In the Chapter
Operating model
Employee
Risk and ethics
Business
In the Chapter
Operating model
Climate
Employee
CSR
Risk and ethics
46. Other liabilities
| Other liabilities | 31 December 2019 | 31 December 2018 |
| Accrued expenses | 1,979 | 1,578 |
| Accrued expenses of agency commissions | 390 | 363 |
| Accrued payroll expenses | 217 | 192 |
| Accrued reinsurance expenses | 706 | 373 |
| Accrued employee bonuses | 367 | 345 |
| Other | 299 | 305 |
| Deferred revenue | 322 | 282 |
| Other liabilities | 5,768 | 5,547 |
| Liabilities due under transactions on financial instruments | 905 | 909 |
| Liabilities to banks for payment documents cleared in interbank clearing systems | 1,096 | 934 |
| Liabilities on direct insurance | 892 | 835 |
| Liabilities on account of payment card settlements | 408 | 419 |
| Regulatory settlements | 210 | 165 |
| Liabilities for contributions to the Bank Guarantee Fund | 356 | 182 |
| Reinsurance liabilities | 197 | 269 |
| Estimated non-insurance liabilities | 161 | 157 |
| Liabilities to employees | 47 | 141 |
| Estimated refunds of compensation in connection with banks’ clients lapsing or withdrawing from insurance purchased during the sale of credit products | 69 | 98 |
| Trade liabilities | 337 | 367 |
| Current income tax liabilities | 352 | 570 |
| Liabilities to the state budget other than for income tax | 182 | 111 |
| Liabilities on account of donations | 23 | 25 |
| Alior Bank’s liabilities for insurance of bank products offered to the bank’s clients | 12 | 20 |
| Insurance Indemnity Fund | 15 | 15 |
| Liabilities for direct claims handling | 29 | 30 |
| Other | 477 | 300 |
| Other liabilities, total | 8,069 | 7,407 |
As at 31 December 2019 and 31 December 2018, the fair value of other liabilities did not differ significantly from their carrying amount, primarily due to fact that over 96% of them are short-term liabilities.
| Other liabilities by maturity | 31 December 2019 | 31 December 2018 |
| Up to 1 year | 7,822 | 7,012 |
| 1 to 5 years | 176 | 337 |
| Over 5 years | 71 | 58 |
| Total other liabilities by maturity | 8,069 | 7,407 |