25. Liabilities and other items classified as liabilities

In € thousand	31/12/2019	31/12/2018
Reinsurance liabilities
Deposits retained on assumed reinsurance	123,578	129,963
Reinsurance settlement liabilities	37,321	43,501
	160,899	173,464
Insurance liabilities
to policyholders	161,586	165,610
to insurance brokers	57,225	49,565
to insurance companies	16,279	9,953
	235,091	225,129

Liabilities to credit institutions	3,501	3,505

Other liabilities
Personnel-related obligations	87,763	102,688
Liabilities from services	86,813	87,493
Liabilities from investment contracts	59,368	56,446
Other tax liabilities (without income tax)	79,858	69,432
Other liabilities	67,424	72,164
	381,227	388,223

Subtotal	780,717	790,321
of which liabilities with a maturity of
up to 1 year	707,468	758,923
more than 1 year and up to 5 years	16,233	10,045
more than 5 years	57,017	21,353
	780,717	790,321

Other debt	22,378	16,889
Total liabilities and other items classified as liabilities	803,095	807,210

The item “Other debt” basically comprises the balance of the deferred income from the settlement of indirect business.