TIPIIMITKI4Ao pirruoi QiHanconoi seirHocri

sa pirc, uo saKiHrruBcfl 31 rpygns2014 poKy

T OBAPT4C TB O 3 AOAATK OB OrO B rIrrOB rAAJrbHrC TrO

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1. 3aramna indoprvrauiq

Xaparuep rocrroAapcrroi 4ixnrnocri: Tonapucrno 3 AoAarKoBoro nignoni4a-nrnicrro(CTPAXOBA KOMIAHUI (dICK-3AXI,{>, ua4a;ri TonapucrBo, HaAaBarro B 2014 p.rrocnyrfi si crpaxynanns iulroro, niN crprxyBaHn{ xrirrr.

Tonapzctno rre Mae nigorperraueuux ni4pog,qinie. Tonapucrno Mae 9 (,uen'xm)niqeugifi na sAiftcuenux 4o6ponimnrx sugin crpaxyBaHns iuuroro, nix crprxyBaHHtxI{TTt, ra 5 (u'arr) niqenrifi ua s4iftureuus o6os's3KoBofo BrrAy crpaxyBaHur.

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nilanni rKoro nepe6ynaefli4upuervrcrno, a6o uarny ftoroMarepr4ucbroi (xon4unronoi)rorrananii

Harliona;rlsa roruicix, Iqo sAiftcHroe AepxaBHeperyJrroBarrnfl, HaplrnKy (f inanconux rocJryr

No cri4oqrBa npo Aep)KaBHypeecrpaqiro i Aara nr.r4a.ri, opfaH,rrlo Br{AaB csiAorlrno

Cepix AOI Ns 625100 nia 11.06.2003 p.

Hagna rroca,An, npisnurqe rainiqia.nu repisHrxa

feuepamuuft 4uperrop Inaneuxo OlercangpBac[nrosz.r

flpisnzqe m iniqianuroJroBHoro 6yxranrepa

Tonxonu4 Oreua feopriinna

Kinrricrr upaqinurErcis 11

,{ata sarnepAx(eHur ssiruocri raopraH ynpaBniHHxflilupuerracrBa, rqo ii garnep.uue

25.02.2015 p.

,{ara snirnocri ra seirHr,rtuepioA

01.01.2015 poKy, ssirurft nepio4 - 2014pir

Ba.nrora snirHocri m ogunuqa fiezr,ripy

fpunut, Trrc.lpH.

Be4ennr 6yxranrepcbKofo o6niry, cKraAaHHs ra rroAauHr Qinanconoi gsirHocrisa6esueyyerucr n Tonapucrei 6y:<ra-nrepcbKoro cnyx6oro..

KouqeutyanbHoro ocnoBoro cKJraAaHHr (financonoi snirHocri sa 2014 p. eMiNuapb.qui cmn4apua (pinancosoi gsirHocri (ua,uani - MCO3), llo nignoni4ae Br4MoraMcr.12 3arony Vrpainz "flpo 6yr<rarrepcrrrafi o6nir i $inaHcory snirnicrr n Yrpaini".

@inancona gniuricrs TonaprEcreaga2014 p. cKJraAeHa Ha ocHoBi MCBO 1 <<flo4anna(binanconux sBiriB) 3a (fopuarrau <bigauconoi sairHocri, sxi sarnep4xeui HarasoN{MIHICTEPCTBA OIHAHCIB YKPAIHZ Ns73 sia 07.02,2013 utlpo 3arBepAXeHHtHaqiona-nrHoro roJlortenHt (cran4apry) 6yxranrepcbKoro o6niry 1> ra 3ape€crpoBaHi nMiuicrepcrni rocruqii Vrcpainu 28.02.2013 p. sa N 336122868

'(DiHancosa gsituictr TonapzcrBa 3a 2014 p. 6yna ni4roroBJreHa, BuxoArqu 3npunyrleHHs 6esnepepnuoi AisnrHocti, ilIo nepe46auae Br4KoprcraHHs arrprnis rarrorarrreHHs go6os'sgaHr n xo4i ssz.raftHoi rocrroAapcrxoi 4irlruocri.

OinaHcoea geiruicrr Tonapucrna sa 2014 p. cKJraAenoro y nosHifi eilnosiAHocri g

MCO3 HacryrrHr{M q}rHoM:

llpz crna4auui $inaucosoi snirHocri na ocnosi MCO3 sa 2014 p. Tonapncrno3acrocoBye MCO3, rqo qHuni na 31.\2.2014 p. ra sKi o$irliftHo orplrnroAueui na ne6 -caftri MOY.

3.rcanirafly s Baflauci Tonapncrna craHolr Ha 31.12.2014 poKy

Arrunu, 3o6oe'seaHns. Ta sracHr.rft xaniran ni4o6paxeni s Baranci craHoM Ha31.12.2014 p. 3 BpaxyBaHHtM <<flonoxennt npo opranisaqiro 6yxranrepcbKoro o6nircy mo6nirony uolirr.rry, Tonapracrno 3 AoAarxoBoro niAnosiAalrnicrro (CTPAXOBAKOMIIAHUI (dICK-3AXIA>, sKa 3arBepAxeHe HaKasora Ib 1 sia 03.01.2013 pory <dlpoopranisaqiro 6yxranrepcbKoro o6niry ra o6nirosy nodrnry>.

Ctarri (financonoi snirnocri csoprr,ronaui TonapvcrBoM 3 ypaxyBaHH.rrMcyrrenocri.

.{rx nuauaueHHs cyrresocri oKpeMr{x ouepaqifi o6'errin o6niny, u1o ni4uocflTbcs.Ao arrrsis, 3o6on'r3aur i snacHoro ranirany Arr ni4o6paxeHHr y Qiuanconifi seirHocrisa nopir cyrrenocri npufiuaerrcs. Berr4rrrtua y 5 ni4cotrin ni4 ui4cyury ri4noniAno scixaKtznie, ncix so6os'fl3a*b i sracHono naniiany ga 6anancou 6eg nnyrpiunrix pospaxynrin.

,{nr nzsnaueHHs cyrreeocri oKpeMr.rx nvgin AoxoAis i rurpar rroporoM cyrrenocripeKoMeHAyerbct BeJIIlrIIrHa, Iqo AopinHtoe 2 ni4corxarra qlrcroro npz6yrry (s6urry)seirHoro repio4y.

01.01.2013 p. ra 31.12.2014 p.).

. 3a pe3yJlbraraMx gAificHeHoro B npoqeci rpanc(foprrraqii Banaucy, Tonapucrno

Bananci Tonapacrna cralroM Ha 31.12.2014 p.. suNaoraM MCO3.

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artusHllfi pI,IHoK Ha HacryrrHy Aary oqiuru, To rroqprHaro.ru g qiei Aarpr 3acrocoByerbc.s MoAeJrb

nepeoqiurn.

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IIIoao uo4anoi iuQoprr,raqii y (financonift gnirnocri za 2014 p. po3Kpr,rBaeMo

HacryrHy inQopruarlirc :

- flepniura naprictr,3a sKoro ocuonui gaco6n ni4o6paxeui n Bananci na riseursnirHoro nepioav cKJraAae 91,8 rrac. rpn.

- MeroA arraoprusaqii nprrraorinifinzfi, teprrain Kopr{cHoro BrrKoprrcraHHt(excuryaraqii) nusnavaerbcf, no nepio4y 3aBeprrreHrur aiuoprusaqii.

- repeoqinra ocHoBHr{x saco6in fiporrroM gnirnoro uepio4y ne ni46ynanacr;- cyMa HapaxoBaHoi arraoprusaqii Ha riueqr 2014 p. cKJraAae 67,0 ruc. rpu.- 3MeHureHH.fl Kopllcuocri ra siAuonJreHHfl Kopr.rcHocri ne ni46ynaJrocb.- OuroBHLIx eaco6in, qoAo .flKr,rx Mouru 6 icuynarlr flepeA6a.reui rrr{HHrrM

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peKoHcrpyKrlix, rorqo) HeMae;

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- BlIJrfreHHr ocHoBurrx saco6is AJrr npoAalrry B sniruouy nepiogi Heg.{ificHrosanocr.

- ocHoBHI4x saco6in, orpr,rMaHr,rx 3a pzxyuoK qinronoro Br,rKopr{craHHsB[po.qoBX gnirnoro nepio4y ne 6yno.

4.3. O6.uirc Qiuauconux arcrunin

Oqiura ra (foprrayeannr iu(poprraaqii uloAo (financonux incrpynenrin s4ificHroerbc.rrTonapzcrnoM 3 ypaxyBaHH.ffM BlrMor MCEO (IAS) 39 <Oinanconi iucrpyneurrr: Br{3HaHHtra oqiHrco>.

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4.3,1. Oinanconi arcrrasu n Ba.rranci craHoM na31.112014 p..Ctanoivr na 31,12.2014 p. (financoni arrranra, ni4o6paxeni na Bananci Tonapncrna,

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[onroctporoai (piuanconi innecruqii Tonapzcrna craHoM Ha 31.12,2013 p.,cKJlaAarorbcfi 3 iunecrnqifi n arqii yrpaincrrux euirenrir, sri o6epralorucs. Ta Heo6eprarom c9. Ha aKTr,rBHoMy (opranisoranorrry)

1p ou4onouy pHHKy.Tonapzcrno He Mae o3HaK nassuocri KoHTpomo ra cyrreBoro BrrnraBy Ha

ni4npuelractna, arqii sKr,Ix o6rirosaHi ua Eananci Tonapucrna craHoM ua31.12.2014 p.Bapricrr .qoBrocrpoKoBllx (financonux iunecruqifi nugna.rena Tonapr4crBoM 3a

cnpaBeAJILIBoIo napticrro ra co6inapricrro npr46annx 3 ypaxyBauHrM 3MeHrrreHuirKopl,IcHocri, Iqo nepe46aqeuo MCBO 39 <@inanconi incrpyrrreuru: Bz3HaHHr ra oqinra>.

B n.4.4. flpurrairon Hane4end in$oprr,raqir uoAo uepenipru Toaapncrnou 4orasin,mi cni4uatb rlpo ni4cyuricrr $arrin 3MeurrreHHr KopucHocri $inanconr.rx insecruqifiTonapracrna.

Cnpane4luna napricrr QinaHconrax iunecruqifi, xrci o6eprarorrc . Ha aKTHBHoMy(oprauisonanonay) Qou4onorrry pr.rHKy BlBHaqeHa TonapzcrnoM 3 ypaxyBaHnrM 6ipxonuxrypcin, mi oupunro4neui oprauisaropaMr,r roprisni Ha (pon4onouy plrHKy craHoM Ha31.12.2014 p,

floroqHi (fiuanconi iunecrlEqii Tonapncraa craHoM na 31 .12.2014 p., cKnaAarorbcts naptocri nerceJrin, ari npu46ani TonapucrBoM B 20ll p, s repuinou JrofarrTeHHs 2020 p.Ta qacrKoBo npeg'xnneni Ao rrorallreHHr.

Baprictr 3a3HarIeHI,Ix sexceris Br.r3HaqeHa Tonapr.rcrnou sa co6inapricrro, qouepe46aueno MCBO 39 <Oinanconi incrpyrraeHTr,r: Br,BHaHrrr ra oqinro>.

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,{e6itopcrr<a sa6opronauicrs 3a nagani nocJrylrr cTpaxyBauHr e nororruoro,[oB't3aHoro is noro4xeHliM]I rpa(firarrru clJrarLr crpaxoBr{x unarexin, pe3epB cyruuinuux6oprin He crBoproBaBcr.

Posuip Iuuroi noroqnoi 4e6iropcrroi sa6oprosanocri craHoBr,rrb 678,30 rpH. racKJlaAaerbct is sa6opronanocti no [pereHgisNr ra na4auoi [oBoporHoi nosr,rKr.r s reprrriuonaroBepHeHHs. 2I.12. 2015 p.

3agna.reHa 4e6itopcrra sa6opronanicrl e [ororrHoro, pe3epB cyuninurx 6oprin uecTBOproBaBcr.

4.4. 3ueumeHHfl r(op[cnocri Qiuauconux arcruninHaupzrinqi roxnoro snirHoro nepio4y orliHroeruc.s ) .rrvr e o6'errusHe cni4uenna

Toro, Iqo ropucnicrr $inanconoro aKTrBy a6o rpynu (financonux arrfisis 3MeHrrryerbc.f,.Kopuurictr (financoBoro aKrr,rny a6o rpyrr4 (fiuauconr.rx axrusis suenruyerrcx i

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6

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axqifi BAT <<YrpeHepfoaroM>) Br.BHaHi 6anrpyrarrar{ ra Br,rKJrro.reni g CAPIIOy.

4.5. O6.rrirc rfiuauconnx so6ontqsaHrO6lirc ra BIrsHaHHT 3o6os'sgaHr s4iftcurcerrca n Tonap[crsi n ni4uoni4nocri g

3o6oe'ssaHnx TonapucrBo KJracr4rpirye Ha AoBrocrporosi ra uoro.rui,{onrocrporosi go6oB'figaHur Tonapucrna cKJraAarorrcs si crpaxoBr4x pesepnin,

clpopuonanux griAno BLrMorulM Haqiouanruoi rconaicii, rqo s4ificuroe AepxaBHeperyJIIoBaHHt Ha plIHKy QinanconrEx rrocJryr, iu(fopnrarlif, rrpo rqo HaBeAeHa Hr{xqe.

Iloro.rni go6on'ssanHx TonapucrBa B craHoM na31.12,2014 p. cxlagaerbcr :

- ig uotoqnoi rpe4uropcmoi sa6opronauocri sa orpuuaui rocnyru n posrr,ripi 38,60Trac. rpH.;

- is uoro.ruoi rpegutopcrroi sa6opronauocri sa po3paxyuKaMr,r 3 6ro4Nerou nocnrari rroAarKy ua upz6yrox n posuipi 524,10 rr.rc. rpu.;

- is noto.rHrax go6on'.sganr n cyrui 3644,70 rr.rc. lpH.

4.6.Ipomoui rcomrn

Cranou ua 31.12.2014 porcy rponroni Komrrr ta ix exsinaJreHrr{ cKJraAarorbcr s rporueft na[ororrHl{x paxyHKax ra Aelo3ltrHlrx paxyHKrx n 6auxax. llpoqenrua craBKa noAero3rrrHuM BKJraraM v 2014 poui 17%

1

BruIAllAM oTaHoBr,rJra B cepeAHboMIponroni Korrrrrr ra ik eKsinaJrenTrr 31.12,2014 p.r Trrc. rpH.

l)rpouooi Korrrrr{ Ha [oroqHr{xpaxYHKax

Iuuri 6aHrn 0.1fIAT "r{epxannufi ollaAnufi 6asx

YrPaTnutt 12,2'

fIAT "Eann Oopyla" 13,0IIAT "flpuear6au " KfP r.2flAT "flolrasa-6asx" 3,0fIAT "IuercBann" 2,r

2) rpornoni Korrrru Ha Aeno3urHr{xpaxyHKax

IIAT "espo6aur" 500IIAT ".{epxanHufi oqaAnr.rfi 6ann

Vrpainutt 2 018,4

fIAT "Vrpras6aur" 2 000fIAT "Anrtba-Eaun" 500IIAT "flpunar6am" KfP 574,4IIAT "Berrop-6ann" 450Bcroro 6 074.4

'/.P'

,{enoszrni 6anriscrKi BKJIaAH posnrirqeni 3 BpaxyBaHrrrM B}rMor rrloAo KpeAr{THoropefirunry 6aHriscrroi ycmnonu, n mifi postrrirqeni aKTlrBrr crpuxoBrrKa, rrlo BKJrroqarorbcfiAO CyN{I{ np}i,trt];.Xtnux arrr,rsis ig rraeroro Aorpr{MaHHf HopMar}rBy AocrarHocri arffisis.Pefitznr 6anriscrK[x ycrauoB, B .rrK]rx posrvrirqeni 4enoaurni BKnaAu Tonapr,rcma,niguoniAae innecrnqifiHoMy pinnro ga naqionanbgoro peftrzuronorc rrrKaJroro, Br,r3narreuoro ''

3arcoHoAascrBoM Vrpainu,

5. CrpaxQea liqflrHicrrO6rlir crpaxonoi AisrbHocri s4ificuroerrcx Tonapr.rcrnou sri4no MCO3 4

<Crpaxoni-KoHrpaKTrD) Ta BHMof Haqiona;rrnoi roruicii, qo s4ifiurroe AepxaBueperyJrroBaHws. Ha plruKy Siuanconux nocJryr.

Tonapuctno HaAae nocJryrr4 4o6poninrHoro ra o6on'sgxonoro crpaxyBaHHfi 3 nu4incrpaxyBaHHf,, iHiltux, nix crpaxyBaHHs xr{TTfi, y si,qnonigHocri Ao orp}rMaHprx Jliqeugifi.

Torapuctno s,qificnnno recryBaHur nonrparrin Tonapncrna Ha ni4noni4nicrscrpaxoBr{M KoHrpaKraM 3a aJrrop[TMoru sri4uo Mco3 4 <crpaxoni ronrpaxrz>>.

3a peeynsraraMrr recryBauur TonapucrBo 3a3Haqae. rqo crpaxoni ronrparrr.r, miyKJlaAarorBcx ToeapucrBoM, e crpaxoBr,rMri KoHrpaKTaNrLr y ri4noni4nocri .qo 3V <<flpocrpaxyBaHHt> Ta rpurepixrvr BIBHaqeHHs crpaxoBr.rx ronrparrit, xri uepe46aueni MCO3 4<Crpaxoni KorrrpaKTpl)) ra ne Nricrsir renoguruux roMnoHeHris ra s6ynonaHix noxilHrx

- laaflBlaa HeBr{3uaqenicrr noaii rqo Ao crpaxoBoro Br4rraAKy;- nassuicrr 3HaqHoro crpaxoBoro pv3lrKy;- ua"f,suicrs s6nrxis 3acrpaxoBaHoi oco6u y pa3i HacraHHfi crpaxonoi nogii.

5.1. Crpaxona AiqflrHicrr y snirHorvry nepioqi:

In$opnaqis qoAo HaAxoAxeHHfl crpaxoBrrx nJrarexin s 2014 p.

Bu4 crpaxyBanHq 2014 p.HAAXOA1ItEHHfl

nrarexin, Tuc. rpH.

1 a

Y Qopui 4o6ponilsuoro:

Crpaxynantrx MeAr{rrHr[x BHTpar 16,40

CtpaxyeauHr ni4 nornennx pusurin m pusur<in crprxifinnx 5327,r0Ctpaxynauru Ha3eMHoro rpaHcropry (npina salisnuuuoro) 2413,60

CrpaxynaHnr uafina fnpirr,r sali:Hr{rrHofo, Ha3eMHoro,nonirpxnoro, BoAHoro rpaHcflopry (uopcrxoro u4rrpiutroro rainruux nugin no4nofo rpaHcnopry), naHraNin ra 6araxcy(nanraxo6araxy)l

4938,40

CtpaxynaHnn ni4 neulacHnx nuna4nin 286,90

Ctpaxynauru npe4nrin ( y rctury uucni nignonigarrnicrrrro3lrqar bHHKa 3a floratrremra rcpe4ury) 8580,80

8

Crpaxyrauur ni4uoni4alrnocri nepe4 rperirr,ru oco6auu[inlro'i, nix crpaxynannx quninrnoi nilnoriAalrnocri sracHzrdsHaseMHofo rpaucnopry (ucmouaroupr silnosi.qarlnicrrnepenirHzxa), crpaxynauur nignoniAanrnocd eracHr,rKisuonirpnroro rpaHcnopry (nx-rrrouaro.{u siAuoniAaarnicrrnepenisnraxa), crpaxynaHns n iAnosiAalrnocri sracHprxis BoAHoroTpaHcnopry (rnmouarouu Bi.quosiAanrHicru nepeoisunxa)]

404,10

Crpaxynannr Sinauconnx pusunin 115,30

Crpaxynaunr cinrcucorocno4apcrroi upolyrqii* 216,20

Y rfopui o6os's3Konoro:

Oco6ucrc crpaxyBaHrr;r rpaqinnunin nigonauoi ra cilrcrrcoiuoxexnoi oxopoHu i .ilreHis lo6ponimnprx noxe)KHr{x Apyxr,rH(Korr,rang)

446,70

Crpaxynaunx qnn ilruoi siAnosiAamuocri cy6'errirrocnoAaploBaHHt 3a ruKoAy, f,Ky Mo)Ke 6yrn sanoaiflHo no)Kex(aMr4

ra anaptmu ua o6'exrax ni4nurqeuoi He6e3neKu, BKrrroqaroqr4noxexosu6yxoHe6e3fleqni o6'erru ra o6reKra, rocnoAapcbKa4i.urHicrr Ha rKlrx Moxe lp]r3Becrr,r Ao anapiit exonori.{Horo racauirapno-eni4euioloriqnoro xapaKrepy

82,63

Cr:paxynannr ni4noniganruocri cy6'errin nepenesennrne6egneqnnx sarrands Ha BI4naAoK HacraHrur Herarr,IBHlrxnacniAKis npu [epeBeseHHi He6egneqHr{x saHra)ds

0,94

Oco6ucre crpaxyBaHru{ ni4 ueqacur{x BHTTaAKtn Ha 0,03

Crpaxyrauur npe.qMera inorexr,r ni4 pr.rsrarcin BLrnaAKoBolo3HarrleHrur, [oruKoA)r(eHHs a6o ncyBaHHf, 0,80

PasoM: 22829.90

5.2. O6"uiK sa6esneqeHHq B crpaxoeift lis;rrnocriAnaritu.rHl,Ift o6nir pesepnin ig crpaxyBaHHs sAiftcHroerrcs 3a AoroBopaMrr

cTpaxyBaHHt, B rKlrx cTprxoBr.rK Hece ni4noni4anbHicTb 3a .cBoiMv cTpaxoBr{Mrrgo6onrsgauHrMr.r.

OopruynanHt crpaxoBLrx pe3epnin s4ift curoerbcr 3riAHo BHMoraM

,{epxarnoro peryr.flTopa.Crpaxoni go6oe'sgaHur npufiuatorscr pinuu\au o6csral{Lr crpaxoBr,rx pe:epnin, mi

$oprrayromcr y floprAry, uepe46aqeHoMy n 3V "IIpo crpaxyBaHHr).B 2014 poui Tonapucrno (poprraynano crpaxoni pe3epBu gri.qno Br{MoraM 3Y <<flpo

crpaxyBaHHs)) ra BlrMoftlM AepxaBHoro perymropa crpaxoBoi Airrbnocri ,{epNannoironricii 3 peryJlloBaHrur punrcin (financonux rocnyr Yrpaihn, sKi nnxna4eui B

Posnopxgxeuui Nb 3104 sia 17.12.2004 p. <<flpanura (bopMyBarrns, o6niry ra posuiqeunrcrprxoBr4x pe3epBiB 3a Br.rAaMrir crpaxyBttrilrx, iumuuu, uix crpaxyBaHHs xr4r-f.f,>, Korrrrr4

crpaxoBl{x pesepnin posruiqyoTbc.ff sriAHo <<flonoxeHHr rrpo o6oe'.fl3Koni rpurepii raHopMarLIBI4 .qocrarHocri, 4ranepcu(fixonanocri ra srocri arrunin, flKuuvr upe4cranueHicrpaxoni pe3epBlr g sprAin crpaxyBaHru, iunnx, nix crpaxyBaHHs )Kr4T'rfl>, 3arBepAxeHoroPosnopx4xeHHrM [epxanuoi roruicii 3 perynroBannx pr,rurin (fiuaucoBr,rx rocJryr Yr<paihunia 08.10.2009 poxy }lb 741.

KoMnaniq (fopuye i neAe o6lir< raKlrx rexniqsprx pesepnin saBvnav'v crpaxyBaHHr:- a) Pesepn Hesapo6rennx npevrifi (pesepnu nperraifi), qo BKrroqarorb qacrKr4

ni4 cyrra HaAxoAx(eHb crpaxoBr,rx nrlarexis (crpaxornx nnecrcin, crpaxoBr{x nperraifi), qo

9

48

ni4noni4arorb crpaxoBLtM prI3uKaM, .ari ne MLrHynv na seirny 4ary. Belwil4*a pesepninnesapo6leunx nperrrifi Ha 6y4r-rrcy sninry Aary BcraHoBJrroerbcr 3aJrexHo ni4 vacrorHaAXoAXeHb cyM crpaxoBllx nrarexis (crpaxonnx npevrifi, crpaxoBr.rx nnecrio) ra crla4ae 80eiAcorKis garanrnoi cyN{r.r HaAxoAxeHb c'rpaxoBr{x nrarexie (crpaxonrx npeuifi, crpaxoBI,rxnuecrin), s ni4uoni4unx nu4ia crpaxyBaHIUI y KoxHoMy rraicsqi 3 rroilepeAHix 4eB'aru Micqqis t'

(pospaxyuronzfi nepio4) i o6vnclroerbcr - rraero,qorr,r l/46) Pesepn 3atBJIeHI{x, ane He BuuraqeHax s6zrrin; ulo Brrroqarou sapesepoonaui

uecnnavggi, , llnaxoei cyMpr ra crpaxoni nigunogynanru 3a niAouzruz Br,rMoraMr.r

ctpaxyaanrnurin; 3 tKltx ue npufinrro piureHua rrloAo Bl4rrJrarr,r a6o ri4rrlonu y nuularictpaxouoi cyN{rl qu crpaxoBoro ri4ulKo4ynannx. Berraqrana pe3epBy 3aflBJreHr{x, aJre He

BI,InraqeHIrx s6ntris siAnosiAae cyui saruennx g6urnin y snitrorray nepio.qi, s6ilsueuifi nacyMy He BI4nJIaqeHax goutttis Ha fioqaroK gniilroro nepio4y 3a nonepeAui nepio4ra, sueuueuifiHa cyMy BI4nJIaqeH[x g6utKis y snirnouy nepio4i nJrroc Br.rrparil Ha BperynroBaHnx s6rarrin yposvripi 3 niAcorKis nig cyrrau HeBlrrrJraqeHnx s6trrKie na rineqr gsirHoro nepio.qy.

Anarirpr.rHufi o6nir pesepnin gAifi cmoerrcr 3a BptAaMr,r crpaxyBaHrrJr.

Cyva texniqHr.rx peepBiB crauoBraTB 8 372,3 Tr{c.rpu., y roMy.rucni:

pesepBlr H$apo6Jrenzx uperuifipflepB 3a.rrBJreHlrx, aJre He BvnJrarreHlrx g6urris

7 689,2683,1

5.3. 3.qiftcHenHsrrpoqeAypnuepeniprcr{aAer(BarnocricQopMoBaHlrx crpaxoBnx 3o6oBtq3aHb

' Bianosiauo Ao HopM MCO3 4 ( n.15) crpaxoBr.rK go6os'sgaHuir Ha Koxuy sniruy4ary oqiruoBarll, uu 6y4yrr go6on'sgaHnr, rqo Br43uarorbcx (uanpurna4 clfopuosaHipesepnu) aAeKBarHI,IMI4, Br,rKop[croByroqfi noroqni oqimz rrrafi6ynrix Qinauconzx nororisga Airo.rHilal,I AoroBopaMli crpaxpal:afl (Hanpnrtna4 Br4rrJrar[, agrrainicrparunui nurparlr,Br,rrparra Ha BperyJrroBaHHr, AoxoAr.r ni4 perpecin i r.in.).

flpn cxnagauui (linanconoi ssiruocri sa20l4 p. Tonapzcrno oqinulo aAeKBaruicrrcQopuonanllx HhM crpaxoBlrx pesepnin, Br4Kopr4croByrorrlr AJrr rlboro noroqui oqiuruuafi6yrnix rpolroBlrx nororis 3a crpaxoBr.rMr.r KoHTpaKTaMr{, Airo.ulun ua sriruy 4ary,BKrroqarcqv Bvrparn Ha BperyJrroBauHs crpaxoBr.rx eunaAris.

3 Meroro nepenipxu aAersarHocri crprxoBt4x go6os'sgaHr TonaplrcrBoKopllcryBanocb rrocnyfaruz cneqianicris fIAT <<BcecsiTD.

Peynrrar recry aAexsarnocri c(fopiuonaHr,rx pesepnin sacni4.rye, qocQopvronaHi perepnu nerapo6.neunx npegifi e agercnarHrrMrr AJrfl noKprrrrs s6rrrcin ga

AoroBopaMtrr trIo Airorr na31.12.2014 pony.

S.4.Ilpoqegypa yrpaBriHns prr3rrKaMrr

Tonapvcrno, sK crpaxoBa rorrauani.fl nuAinse ABa Br.rAaMu pnsurin: ri, sriHaAXoAsrb ni4 crpaxyaamuurin, i d, qo o6yuonneui ii aismnicrro. Pugr,rr crpaxyBanbHr{Ka- HeBr.r3HarreHa MoxJrr.rsicrr nossn g6urxin (nrpar, florrrKoAxenb ra 3Hr.rqeHHs), nurraipanoroB rporroBouy nupaei. Pugur crpaxoBr{Ka - HeBr43HaqeHa rraoxrr.rnicrb HeAocrarnocri roruris

10

gTpaxoBoi KoMlarrii Ars BLIKoHaHHT cBoix (fiuauconux go6os'ssaHr. BuxopncroByrorcr AJUr

auanisy raxi Qarcroplr pLr3HKy:

ctpaxonuft prr3r,rK; prannonuft pu3lrK; rpe4urnnft prr3ulK; prr3lrKnirni4nocri; onepaqifi nzfi pzsrax; rpynonuft pvr3ltK; czcreunraft pr.r3r,rK.

Ineectnuifini pusuru (pusr,rrra, uos'ggaui ig arrusaMr,r) - qe pisuipugvInur, mi npalto qu onocepeAKoBauo noe'rsaui si cnpouoxnicrro yflpaBflqrr,r aKTr,rBaMrr.

,{xeperoru rIoKp}ITTt ineecrnrlifiHlrx pr,r3r{Kis e nracui simHi Korrrrr.r ra pesepBlr,nepe46a.re.ui ft oro opranisaqifi no -upanonoro (f opnroro.

,{o ne Sinanconux pusmin ni4nocnrr pr,r3}rK peuyraqii crpaxoBrrKa, topuau'rnuitprI3rIK [opyflreHHs a6o ne4orpr,rMarrHr Br.rMor HopMarr,rBHo-rrpaBoBr{x axrin, 3aKoHoAaBcrBa,yfoA, crpareri.ruuit pusux HerrpaBr,rJrbur,rx yflpaBuincrxr,rx piruenr, onepaqiftuo-rexui.ruuftpu3I{K. flpoqec ynpanninns raKHM[ pr,r3r{KaMr4 3BoAr{Tbcr Ao ix rrrinirvrisaqii.

t.5 Ynpan;rinnr QiuancoBrrMn prr3rrKaMrn

(Diuaucosi pllsrrKt4 (pusurc lixni4uocri, sN{iHz rrporleHTHoi cranxu, nalroruuft,punr<onnfi plr3lrK, prr3r,rK Brparr,r tratrrua ra iu.) onrnuisyromcx. .{o (pinanconoro pr43r.rKy

niAnocut texniquzft plr3r.rK crpaxoBr4Ka, nxutrt Br{3uaqaerbcr fiK ftrr.ronipnicrb roro, qoposruip BI,IrJrar 6yae 6inrrur.rM 3a cp,ry si6parurx crpaxoBrax upemift, trKrrx 6y4e ne4ocrarHboAns roKpurrr B[Tpar crpaxonoi oprauisaqil

V Tonapncma ni4cyruift rpe4rarnuir puzur<, prr3lrK uixni4uocri ra punxonutrr puzux,ocnilrrur nci yrcua4eni Aoronoplr crpaxyBaHH.[ 3a pe3yJrbraraMr,r recryBaHHr sraguaHicrpaxoBLtMrl KoHTpaKTEMT{, B sn'rsry s ni4cyrnicrro r6y4oBaHr{x noxi4rvx incrpyrreurin,ni4cpni HelorallreHi rpe4uuri 3a.uururu, ra aigcyura sanexuicrr nig npoqeHTHrrx craBoK,.fl Id senlrxoro rr,riporo 3aJre)Karb ni4 sara;rrn nx ra cuequSi.nuax pr,rnKoBm grraiu.

5.5.1. Vupan.rrinHq crpaxoBrrMrr prr3rrKaMr{

34ifiurroerrc.f, yflpaBninna crpaxoB]rM pr.r3]rxorrr. Bci AofoBopu, 3a rKr.rMr.r crpaxoBacyMa 3a oKpoMvM [peAMeroM AoroBopy crpaxyBaHHr rrepeBr.rqyBarra 10 eiAcorKin cyurcrtfiarleHoro Crarytuoro ranirany i cSopruoB?HEX ninsnrx pesepnin ra crpaxoBr.lx pesepnin,6ynu uepecrpaxoBaHi. Onepaqii s nepecrpaxyBaHnfl 3 rrepecrpaxoBlrKaMu-pe3r4AeHraMlls4iftcutonarucb 3 ypaxyBaHHrM ix urarocnpoMonffiocri ra sri4uo s 3aKoHou YrpaiHu "flpoctpaxynauul", a 3HatIHe rrepeBr,rrqeHHr $axruunoro 3alacy rrJrarocuporuoNnocriTonapuctna Hqpo3paxyHKoBr,rM HopMarlrBHr,rM Aa€ 3Mory [porHo3yBar]r froBHe BrrKoHaHrurgo6os'ssaHb 3a rlr{M}r onepaqiruu.

Knro.rosuldlr xapaKTgp]rgruKaM]r c]rcreMr,r BperyJrroBaHH{ crpaxoBr.rx plrszxin(ctpalronux nrnua4rin) e: 6esuepepnnicrr, oneparr,rnnicrr i o6'ercrnsuicrr(4oIcyueuramnicrr).

Vnpauinnx crpaxoBr.rM pr.r3r.rKoM s4ificuroemcx 3aBAffKr4 [oeAHaHHroangepafiruHroBllx uonitr,rr, npuuquuin qinoyrnopeHHr, crBopeHnr pesepnin rarlepecrpaxyBaHHt. Oco6uusa yBara upzginxerrcr sa6esueqeHHro roro, Iqo6 cerMeHTrnienrin, arufi r<ynye crpaxoBrEft npo4yr<r, ni4noni4aB ocHoBHr{M [pvnyrqeHnrM rrloAornienrin, c(fopuonannrr,r niA vac pospo6Kr4 rlboro rpoAyKTy ra Br43Haqeunr ftoro qinu.

Konqenrpaqix crpaxonoro pr43r4Ky ni4cyrna.

6.

,{oxogu ra Br.rrpar[ Tonapucrna, [oB'r3aui si crpaxonoro Aismuicrro, Br.r3Harorbc.f,

ra HapaxoByrorbcs sri4no s MCO3 4 "Crpaxoni KoHrpaKrrr)).

11

{!

y ni4uonignocri .qo BIrMor nigroronru (financonoi ra noAarKoBoi ssiruocri3acrocoByBarl{ IIpI4HIII,m HapaxyBaHns. Ta niguoni4nocri 4oxo4iB Ta Br4Tpar: Br,rrparr4snirHoro nepiogy Bl43naqilorbcr oAuotracHo 3 Aoxo4avrvr, AJrfi oAepxauHr tKlrx BoHHnoneceui.

Ouepaqifiuufi loxil crpaxoBr4Ka (aoxia ri4 crpaxonoi 4ixnrnocri) crna4aerbcs 3 :"cWI4 sapo6nenr.rx crptxoBltx unareNis (nnecrin, nperr,rifi), HapaxoBaHr,rx crpaxoBr,rKoM 3a

AoroBopaMrl crpaxyBalnfle cnincrpaxynaHHs i [epecrpaxyBaHnr pnsr,rrin na repuropiiYxpaiuq a6q ga ii uexavu rporsroM gniruoro (uo4arronoro) nepio4y, sa BuHsrKoM cyMr4cTpaxoBux tIJIaTexlB, HapaxoBaHr.rx cTpaxoBr.rKoM 3a AoroBopaMr4 rrepecTpaxyBaHHr, Ta cyMa3MeHrIeHHt posnaipy crpaxoBr{x pesepnin nesapo6nennx nperr,rifi uopinurno gic(fopuonanvrMvr Ha rineqr norepeAHboro gsirHoro (nogaxonoro) nepiogy 3 ypaxyBaHuffMsNIiHz qacrKlr repecrpaxonr.rKis y crpaxoBt4x pe3epBax, c$opnaonanux ni4noniAno Ao3AKOHOAABCTBA.

,{o crna.qy AoxoAy ni4 crpaxonoi 4ixnrnocri nrmoqarorrcg:- crpaxoni nperraii uapaxonani, s qacrfiHi cyM crpaxoBr.rx nnarexin, qo

niAnosilarcTb crprxoBlrM plr3rrKaM, na snirny 1ary;- roruicifiuy Br.rnaropoAy 3aAoroBopzlMr4, rrepeAaHr,rMr{ B [epecrpaxyBauHr;- qacrKrr crpaxoBllx cyln i crpaxonrax ni4urKoAyBaHb, cnnaqeui [epecrplxoBuKaMu;- p$yJrbrar sN{iur,r pesepnin is crpaxynauru .

flopr4oIc ni4o6paxenux B o6niry AoxoAis ssirHoro nepio4y 3a yKJraAeHr{Mr{

AoroBopaMI,I crpaxyBaHnfi 3aJrexuTb sia Blr3HarreHlrx AoroBopoM crpaxyBaHnr ytlnoB

ua6pauux quuuocti Ta crrJlarr4 crpaxyBanbHrlKoM crpaxoBt4x nnarexis. f,ruqo 4oronipcrpaxyBaHtx ua6npae quHHocti ig gagnaqeHoi s HboMy Aarvr, HapaxyBarrHfi crpaxoBr{xnnatexin s4ificurcemct B ToMy uepiogi, Ao rKoro Halrexr{Tb, 3rrHaqeHa n 4oronopicTpaxyBaH}Jfl. AaTa,y pa3i AocrpoKoBol'o npulr.rHeHHr AoroBopy crprxyBaHHr 3a 3aflBorocrpaxyBanbHliKa, crpaxoBlrK noBeprae ftorray crpaxoBy cyMy, rKa po3paxoByerbcr aKTyapHoHa Aary posipnanur raKoro AoroBopy.

Crarrq a snirnnfi nepioq(2014p)

3a ssirHuft nepio4flonepeAHborononv (2013n)

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