|Contingent assets and liabilities||31 December 2018||31 December 2017|
|Contingent assets, including:||6||6|
|- guarantees and sureties received||6||6|
|- for renewable limits in settlement accounts and credit cards||13,211||14,536|
|- for loans in tranches||28,523||29,766|
|- guarantees and sureties given||7,682||7,574|
|- disputed insurance claims||576||711|
|- other disputed claims||231||212|
|- other, including:||7,444||6,179|
|- guaranteeing securities issues||4,470||3,492|
|- intra-day limit||755||844|
|- letters of credit and commitment letters||822||818|
|- potential liabilities under loan agreements concluded by the Armatura Group||33||30|
The “other contingent liabilities” item includes, among others, potential liabilities resulting from tax risks associated with different interpretations of the provisions of the Swedish tax law pertaining to taxation on foreign exchange differences realized on repayment of loans granted in a currency other than the functional currency of the company granting the loan.
Granting of sureties or guarantees for loans or borrowings by PZU or its subsidiaries
In 2018, neither PZU nor its subsidiaries granted any sureties for a loan or borrowing or gave guarantees to any single entity or any subsidiary of such an entity if the total amount of outstanding sureties or guarantees would be significant, except for the first guarantee securing loan repayment by a subsidiary with a guarantee sum of PLN 495 million after conversion.