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24. Liabilities under insurance contracts

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The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:

Liabilities under Insurance Contracts
Technical Reserve and Provisions
Millions of Euros
2011 2010 2009
Mathematical reserves 6,514 6,766 5,994
Provision for unpaid claims reported 741 759 712
Provisions for unexpired risks and other provisions 482 509 480
Total 7,737 8,034 7,186
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