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Report 2022

37. Other liabilities

[Financial notes are presented in PLN thousand]

Significant accounting policies

Deferred income and accrued expenses (liabilities)

This caption includes primarily commission income settled using the straight line method and other income charged in advance, that will be recognized in the income statement in the future periods.

Accrued expenses include accrued costs resulting from services provided for the Group by counterparties which will be settled in future periods, accrued payroll and other employee benefits (including annual and Christmas bonuses, other bonuses and awards and accrued holiday pay).

Deferred income and accrued expenses are presented in the statement of financial position under the caption ‘Other liabilities’.

Financial data

31.12.2022 31.12.2021
Deferred income 261 993 207 048
Provisions for holiday leave 69 392 77 274
Provisions for other employee-related liabilities 301 364 259 499
Provisions for administrative costs 214 402 158 400
Other costs to be paid (*)(**)(***) 200 414 114 210
Other creditors 1 346 796 1 075 925
Interbank and interbranch settlements 1 584 470 819 798
Card settlements 915 613 393 137
Total 4 894 444 3 105 291
(*) In this as at 31 December 2022 PLN 40 351 thousands of provision for future refunds of the part of the remuneration for sale of insurance products linked to loans (PLN 32 056 thousand as at 31 December 2021).
(**) With regard to balance sheet exposures of consumer loans and mortgage loans, as at 31 December 2022, the Group estimated the possible prepayments of these exposures in the future and recognized the amount of PLN 50.5 million as the estimated future excess of the amount that will be returned to the customer over the balance of commissions remaining to be settled as at that date (PLN 13.8 million as at 31 December 2021).
(***) Including as at 31 December 2022 the amount of PLN 18.5 million concerning liabilities for current returns related to early repayments of mortgage loans.

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