36. Other liabilities

Other liabilities	31.12.2020	31.12.2019
Liabilities due to contracts with customers
Sundry creditors	221,943	214,377
Payment card settlements	128,516	104,886
Deferred income	91,687	114,931
Escrow account liabilities	3,431	9,830
Social insurance settlements	30,625	27,440
Other liabilities
Interbank and intersystem settlements	30,265	480,839
Provisions for non-personnel expenses	342,771	341,305
Provisions for other employees-related liabilities	215,090	336,827
Provision for unused annual holidays	42,481	44,570
Other regulatory liabilities	49,345	64,183
Other lease liabilities	18,100	39,511
Other	94,989	114,715
Total other liabilities	1,269,243	1,893,414

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35. Subordinated liabilities

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37. Provisions