10. Other operating income

 
  Year ended 31 December
  2014 2013

Income from sale or liquidation of fixed assets, intangible assets, assets held
for sale and inventories

149 766 142 651
Income from insurance activity net 96 237 82 931
Income from services provided 24 009 30 818
Net income from operating lease  11 157 14 873
Income due to release of provisions for future commitments 5 081 36 195

Income from recovering receivables designated previously as prescribed,
remitted or uncollectible

2 233 1 169
Income from compensations, penalties and fines received 229 184
Other 58 210 66 000
Total other operating income 346 922 374 821
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Income from sale or liquidation of tangible fixed assets, intangible assets as well as assets held for disposal comprises primarily income of the company mLocum S.A. from developer activity.

Income from services provided is earned on non-banking activities.

Income from insurance activity net comprises income from premiums, reinsurance and co-insurance activity, reduced by claims paid and costs of claims handling and adjusted by the changes in provisions for claims connected with the insurance activity conducted within mBank Group.

Net income from operating lease consists of income from operating lease and related depreciation cost of fixed asset provided by the Group under operating lease, incurred to obtain revenue.

Net income from insurance activity generated in 2014 and 2013 is presented below.

 
  Year ended 31 December
  2014 2013
Income from premiums    
- Premiums attributable 234 851 183 877
- Change in provision for premiums (39 899) 2 518
Premiums earned 194 952 186 395
Reinsurer's shares    
- Gross premiums written (66 607) (72 131)
- Change in unearned premiums reserve (2 416) (2 098)
Reinsurer's share in premiums earned (69 023) (74 229)
Net premiums earned 125 929 112 166
Claims and benefits    
- Claims and benefits paid out in the current year including costs of
liquidation before tax
(63 099) (73 133)
- Change in provision for claims and benefits paid out in the current
year including costs of liquidation before tax
(19 902) (13 287)
- Reinsurer's share in claims and benefits paid out in the current year
including costs of liquidation
46 141 51 868
- Change in provision for reinsurer's share of claims and benefits paid
out in the current year including costs of liquidation
10 212 9 274
Claims and benefits net (26 648) (25 278)
- Other costs net of reinsurance (3 183) (3 744)
- Other operating income 440 8
- Costs of expertise and certificates concerning underwriting risk (301) (221)
Total net income from insurance activity 96 237 82 931
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Net income from operating lease generated in 2014 and 2013 is presented below.

 
  Year ended 31 December
  2014 2013
Net income from operating lease, including:    
- Income from operating lease 61 576 66 667
- Depreciation cost of fixed assets provided under operating lease (50 419) (51 794)
Total net income from operating lease 11 157 14 873
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