F.4. Reinsurance assets

	Direct insurance		Accepted reinsurance		Total
(CZK million)	31.12.2016	31.12.2015	31.12.2016	31.12.2015	31.12.2016	31.12.2015
Non-life insurance liabilities	8,705	8,850	271	236	8,976	9,086
Provisions for unearned premiums	1,902	1,857	4	–	1,906	1,857
Provisions for outstanding claims	6,748	6,935	267	236	7,015	7,171
Other insurance liabilities	55	58	–	–	55	58
Life insurance liabilities	755	732	1	2	756	734
Provisions for outstanding claims	697	671	1	2	698	673
Provision for unearned premiums	58	61	–	–	58	61
Total	9,460	9,582	272	238	9,732	9,820
Current portion	4,639	4,707	109	95	4,748	4,802
Non-current portion	4,821	4,875	163	143	4,984	5,018

XLS

The amounts included in reinsurance assets represent expected future claims to be recovered from the Group’s reinsurers and the reinsurers’ share of unearned premiums.

Ceded reinsurance arrangements do not relieve the Group of its direct obligations to policyholders. Thus, credit exposure exists with respect to reinsurance ceded to the extent that any reinsurer is unable to meet the obligations assumed under the reinsurance agreements.