16
TIPIIMITKI,I llo pirrHoi QiHaucoeoi ssirHocri :a pirc, ulo rarciurruBcq 3L rpy4us2016 poKy TOBAPT4CTBO 3 AOAATKOB OrO BrArrOBrAAJrbHr (CTPAXOBA KOMIIAHIfl ([ICK - 3AXIA) raJrbHa iudonprauiq Iaenrudixauiftnvfi xol 32404600 floeHe nafiuenynauur TOBAPT4CTBO 3 AOAATKOBOTO BIAIIOB ITAJIbHICTIO CTPAXOBA KOMIIAHI' dICK _ 3AXI.[> Croooqesa Ha3Ba TAB CK (IICK - 3AXIA)) OpranisauifiHo-rpanoea fr opNaa flpuearue niAnpveucreo MicuesHaxoAxeHHt 07042, n. Kuin, nyl. llarpica JIyu' Hopn.>A>>, x.318-E wr6u, 6.416, Teredou 044 482-t0-00 Oarc 044 482-10-00 E-mail y. mysnik@psk-zahid. com Hasea opraHy yupauiuur, y eilanui rKoro nepe6ynae fliaupzertrctno, a6o uasny fioro MareprrHcbxoi (xonlnHro eoi) rcorrananii Haqionallna xoN,lici-s, rqo gAificr+oe rel perynroBaHHs Ha pr4HKy $iuaHconux no< )XABHC )nyf J',lb cniaoqrBa rrpo Aepx{aBHy peecrpaqiro i 4ara nz4avi, opraH, ulo BVAaB csiAo{rso Cepia AOI J\e 625100 sia 11.0(.2003 p Hassa rroea u, npi:nurqc ra iniuianu KepieuuKa feHepalruzfi 4uperrop Eypvx Ceprifi OrexcanAposz.{ flpi:nraue ra iniqia,ru foJroBHoro 6yxralrepa MarcczNroea Olrra IrooieHa Kirrrricrr upauisHzKis A + ,{ara snirHocri ra seiruufi repiol 0I.0I.2017 poKy, ssirHzfi nepio4 - 20 6 pix Baruora seiruocri ra oArzuuus ii eLij\aipv fpranHx, THc, rpH. Xapaxrep rocnoAapcrxoi li.slruocri: Tonapncreo 3 loAarKoBoro B (CTPAXOBA KOMIIAHIIfl dICK-3AXI!>, ua4ani ToaapucrBo, HaAi oni4a:rr,uicrro no n 2016 p. 3a iudonMauiq IIOCnyfV 3l CTpaXyBaHHr rHrrrofo, Hlx{ cTpaxyB Tonapucrno He Mae ni4orpeuleHkrx rr niuen3ifi sa :Iificueuux 4o6poeimHr.rx eu xlrrrr, ra 9 (Aen'arr) niqeusifi ua sAificueuux 2. 3aranrni n IIHUIIIIU lncHeHHq AJIbHA OCHOBA CKJI IHAHCOBOI 3BITH Be.qeuHq 6yxrarrrepcbKofo o6riry, cKrraAaHHr ra no4auua (fi

AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

  • Upload
    vuhanh

  • View
    217

  • Download
    2

Embed Size (px)

Citation preview

Page 1: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

TIPIIMITKI,Illo pirrHoi QiHaucoeoi ssirHocri

:a pirc, ulo rarciurruBcq 3L rpy4us2016 poKy

TOBAPT4CTBO 3 AOAATKOB OrO BrArrOBrAAJrbHr(CTPAXOBA KOMIIAHIfl ([ICK - 3AXIA)

raJrbHa iudonprauiq

Iaenrudixauiftnvfi xol 32404600floeHe nafiuenynauur TOBAPT4CTBO 3 AOAATKOBOTO

BIAIIOB ITAJIbHICTIO CTPAXOBAKOMIIAHI' dICK _ 3AXI.[>

Croooqesa Ha3Ba TAB CK (IICK - 3AXIA))OpranisauifiHo-rpanoea fr opNaa flpuearue niAnpveucreoMicuesHaxoAxeHHt 07042, n. Kuin, nyl. llarpica JIyu'

Hopn.>A>>, x.318-Ewr6u, 6.416,

Teredou 044 482-t0-00Oarc 044 482-10-00E-mail y. mysnik@psk-zahid. comHasea opraHy yupauiuur, y

eilanui rKoro nepe6ynaefliaupzertrctno, a6o uasny fioroMareprrHcbxoi (xonlnHro eoi)rcorrananii

Haqionallna xoN,lici-s, rqo gAificr+oe relperynroBaHHs Ha pr4HKy $iuaHconux no<

)XABHC

)nyf

J',lb cniaoqrBa rrpo Aepx{aBHypeecrpaqiro i 4ara nz4avi, opraH,ulo BVAaB csiAo{rso

Cepia AOI J\e 625100 sia 11.0(.2003 p

Hassa rroea u, npi:nurqc rainiuianu KepieuuKa

feHepalruzfi 4uperrop Eypvx CeprifiOrexcanAposz.{

flpi:nraue ra iniqia,rufoJroBHoro 6yxralrepa

MarcczNroea Olrra IrooieHa

Kirrrricrr upauisHzKis A

+

,{ara snirHocri ra seiruufirepiol

0I.0I.2017 poKy, ssirHzfi nepio4 - 20 6 pix

Baruora seiruocri ra oArzuuus iieLij\aipv

fpranHx, THc, rpH.

Xapaxrep rocnoAapcrxoi li.slruocri: Tonapncreo 3 loAarKoBoro B

(CTPAXOBA KOMIIAHIIfl dICK-3AXI!>, ua4ani ToaapucrBo, HaAi

oni4a:rr,uicrrono n 2016 p.

3a iudonMauiq

IIOCnyfV 3l CTpaXyBaHHr rHrrrofo, Hlx{ cTpaxyBTonapucrno He Mae ni4orpeuleHkrx rr

niuen3ifi sa :Iificueuux 4o6poeimHr.rx euxlrrrr, ra 9 (Aen'arr) niqeusifi ua sAificueuux

2. 3aranrni n IIHUIIIIU lncHeHHqAJIbHA OCHOBA CKJI IHAHCOBOI 3BITH

Be.qeuHq 6yxrarrrepcbKofo o6riry, cKrraAaHHr ra no4auua (fi

Page 2: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

3a6e3 fl B ToBapzcrBi 6yxranrepcbKoro cnyx6orc.oHrlenryanbHoro ocHoBoro cKJraAaHHr $iuauconoi gsifirocri ga 2016 p. e

MiN i craH4apua (finauconoi geirHocri (na4ani - MCO3), qo siAnosi4ae euvorarr,lcr.l2 ony VxpaiHu "flpo 6yxranrepcrxufi o6nir i $iHaHcony snirHicrr r Vrpaini".

lHaHcoBa 3BlrHlcrb'Ionapzcrnasa2016 p. cKrraAeHa Ha ocHoBi MCEO 1 <floAaHuqSinaHMIHIHarlio rloJroxeHHx (cran4apry) 6yxralrepcbKoro o6liry 1> ra :apeecrponaHi eMini i rocrzqii Vrpainz 28,02,2013 p. sa N 336122868.

HaHcoBa 3BlrHlcrb Tonapncrea za 2016 p. 6yna ni4roroBJreHa,rrpr4rl lr's. 6esnepepnHoi AismHocri, rr1o nepe46auae Br4ropr4craHnqIIofalle s 3oooB't3aHb B xoAr 3BIIqaI4HOl |OCIIOAapCLKOT Al.SnbHOCTl.

a cKnaAaHHi (fiuanconoi seirHocri ga MC@3 s 2016 p. TonapncrBo Aorpr4MyBaroc.sTIPI4HIIII ie cKraAaHH-s (piuaHconoi :niurocri, Br'rKJraAeHnx y Kouuen:ryamnifi ourosj

s 0iHancoeoi ssirHocri sa MC(D3 Ta ocnoBHr4x npr,rHrIr4nin, nepe46a,aeunx cr, 43arcouy rcpainn "flpo 6yxralrepcrrufi o6nir< i SiHancony:nirnicrr n Yxpaiui", a caMe:

(pesynrraru ouepaqifi ra inurm< noaifi Bt43Harorbcr, Kolrr4 BoHr4

Iolorbcq, a He KoJIt4 orpr.rMaHi a6o cnra.{eui rponroni Korrrrr{, i siao6paxarorbctr B3A

0i

IIoc ovry naafi6yrnronry).

etfi gnirHocri roro nepio4y, Ao.f,Koro noun ni4uocrrrcx);ocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi

rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{ Airoqul,r e

lnocTl;

i (cymenocri);rosipuocri (npan4znicrr rroAaHHr, npeBanroBaHHr cyrnocri HaA Sopuoro,

suicrr,, o6avHicrr, nonuora);

)nJrr4BocTl IlepeBlpKrl, Torrlo.iHaucoea seirHicrb Tonapucrna za 2016 p. cKnaAeHa y nonHifi siAnoeiAHocri :

MC@3 HI4M qHHOM:

rx sBiriB> 3a $opnrarvru $iuaHconoi :niruocri, sri :arnep4xeui HarasoNaPCTBA @IHAHCIB yKPAIHI4 i\b73 sia 07.02.2013 dlpo 3arBepAXeHHt

pLr

ye

Dv.

cxraAanni $inaHconoi seirHocri ua ocHoeiMCO3. ruo quuui Ha 31,12.2016 o. ra -qxi

BI4XOA.SI{U 3

anusis Ta

MCO3 za 2076 p. Tonapr4crBo

ocpiqifiHo onprrrrrolHeui Ha se6 -3acToco

cafiri M

3. OcH l06onttrtaHb ra E,,t

KATII crBa craHow sa 31,12,2016

Bn, 3o6oB'{3aHHs 'ra Bracntrfi ranira,r nilo6rlaxeHi e EanaHci craHoM Ha

3T,12, 6 p. s BpaxyBaHHtM dloroNenHt rlpo opraHi:aqiro 6yxranrepcbKoro o6nixy ranorirzxy, Tonapucrna s AoAarKoBoro siArrosilanrnicrro (CTPAXOBA

KO I-fl dICK-3AXIA)), rra 3arBepAxeHe Hara:ou Nb 1 eia 03.01.2016 pony nflpoony rorirnry>,e Ta BcTaHoBJrIOe eAr{Hi npr4Hrlznr4, UeroAu i

o6paxeuur n o6liry oneparlifi, u1oAo .sKr4x

mur Hixr oAzrn ix napiaur 3acrocyBanHs. Ta

eiruocri (MCO3);o6nir ra Sinancony :eiruicrr n Yrcpaiui" (:i

- l,Io,rroxcenH.s rrpo AoKyMeHTanr,He sa6egneqeHHr ganucis y 6yxralrepcbKoMy o6rriry,sarnepa>]cenoro HaKa3oM Minicrepcrna (f iHaHcin Vrpainz siA 24.05.95 N 88,':apeecrpionaHofo n MiHicrepcrsi rccrnqii Vrpaiuu 05.06.95 sa N 1681704

Page 3: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

- MeroAuqHr4x peKoMen,qarlifi qoAo cymeeocri y 6;a<ranrepcbKoMy(,rucr Miuicrepcrna $riHancin YxpaiHra sr[, 29.07,2003 N 0423 0-04 1 08);

lKy I

- llopr4r<y noAaHHr $iuauconoi ssirHocri, sarnepAxeHoro rrocraHMiuicrpie Vxpaiurn sil\28.02.2000}lb 419 (zi stu{iuarau ra AonoBHenurrrau);

- flnauy paxyuxin 6yxranrepcbKoro o6lixy axrunin, rauiraly,

sorc Ka6iHery

B'tr3aHb iMiHicrepcrnaMiuicrepcrra

rogrroAapcbKrrx orepaqrft ni4npueMcrB i oprauisaqifi, sarnepANenufi uQiuaucin Yrcpaiuu eia 30 rr{cronaAa 1999 p. J\b 291 (y pe4arcqii Haxasy

Sinaucin Yxpaiuu nia 9 rpyaus20ll poxy Nr1591).Crarri (fiuanconoi seiruocri c$opuonaHi ToeapucrBoM s lypaxynaHHrMr vuwlJrrv rlvlvr J I J yq^J Dqr\LtAty\

cyrrenocri.flxx nuzuaqeH]u cyrrenocri oKpeMr.r

Ao aKrr,rein. go6oe'.flgaur i eracuoro ranirans a ropir cyrren o cri npzfi rvraerlc{ BeJrr4 qr.rHa

axrzsie, ecix :o6os'qgaHE, i eracHoro xanirflrttr^ zuzuarreHr{fl cyrrenocri oKpeMr4x

peKoMeHAyerbcq BelrkrrlvHa, rqo 4opinnroessiruoro nepio4y.

4. Po:rcpurrq noKagHunin Eanan01.01.2014 p. ra 31.1112=015&L

nno diHancoeuft craH) Ha

Tonapucrno nilrneplx)'e nosHy eilnosilHicrr oqiHxu axrueiesi,{o6paNeHl4x B Ea,rasci Toeapucrea craHoM ua 31 . 12.2016 n.- szN4orarvr N

.Earanc (3nir upo QiHaHconufi craH)HA 31.12.2015 p.

'fl3aHb3,

Ta6"ruuq 1

Arcrus KolprAKa

Ha noqaronssiruoro nepiogy 3B

Ha riueqruoro nepio4y

2 4 5L Heo6opornHeuarepiamn

AKTIIBH

AKTljBU 100071209,2 11205,5

nepBlcHa Baprrcrb 001 77239,5 ll23B,5HaKon nqeHa avoprurauia 002 ,4 1 JJHesaeepureH i ranira,r rni iHeercruuii 005 0 0OcuosHi zaco1u 010 44\ 76q )nepeicua eapricrs 011 ol e A^a

3HOQ 0t2 ln a+ /.J

IHBECTHI{I 14 HA HCPYXOMICTb 015 0 0flepnicua eapricrr iHeecrlruiiiHoi

HeDVxoiuocril0 16 0 0

3uoc iuaecrnui fr noi nepyxonlocri r017 0 0

,{oarocrpoxosi 6iororiqHi aK'Tr4Bv1 r020 0 0[IepaicHa aapricru AoBrocrpoKoBr4x

6ionori.r rJHx axrilniar021 0 0

!oerocrpoxoni $iHaHcoei ineecruqii:rxi o6lixonyrorbcr 3a MeroAoM yvac'ri a

xanirali i nruux nianpr4€McrBr 030 0 0

aJ

Page 4: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

IHIIII HCOBl lIIBECTI{IIII 103 5 22366.2 )1r\4 1

,{onroc poKoBa AeorTopcbKa 3aoopfoBaHtcTb 1040 4434.9 4314.9Bi4crpr TEH1 IIOtrATKOBI AKTI,IBI4 104s 0 0

fyasir I 0s0 0 0

Bi4crpr reui areisuuifi tri evroaru 1 060 0 0

3zutuurrcTpaxoBI4x

( KOrrrTlB y ueHrpiurl3oBaHr4xJe3epBHr.rx $on4ax

1 06s 0 0

Iuui ue r6oporui aKrLrBr4 1090 0 0

Ycsorc ra porAirorra I 109s 38054,8 37143,9II. 06o3anacu

)OTHI AKTI'BI'

1 100 z.o 0Bzpo6r [il 3a\acu 1 01 0 0Heraaefl ureHe aupo6Hnqreo I 02 0 0lorona rpoAyKulfl 1 03 0 0Tonapra 1 04 0 0Bexcen oAepxaHl t 20 0 0

,{e6iro1TOBapI{. pC

:rrca :a6oprogaHicrs :a npo4ynqiro,)OTI4. IOCJIVII4

1125 {4\h q 0,9

[e6iro1po3paxyHr{

3A BUEa

;rxa sa6oproeaHicru sa

MI4:

IUMI4 ABAHCAMI4

I 130 0 (,

r 6rcAN TOM 1 135 0 0,2y roMy r4cn1 3 rroAaTKy Ha rrplroyToK I IJO 0 0

3 Hapax BaHUX AOXOA1B 1 140 260,1 30,5

[e6iro1OO3DAXVHK

lrra:a6oproBaHicrb 3a

liah :i eHyrpiuruix Do:Daxvur<is1145 0 0

Inura ur roqna Ae6iropclxa ra6oproeaHicrt 15s )'7 '7 1909,4lloro.rr $iuauconi ineecrr,rqii 160 0 0

fpouri' I IX EKBIBIUIEHTII lo) 7515,8 4938,4forisrz t66 r13,6 n

Paxynx e 6aHxax t67 '7402,2 4938,4Bnrparr naaft6yrnix nepio4in 170 n tt \

Vacrr<a

0e3eDBax

tepecTpaxoBr4Ka y cTpaxoBr4xI 180 2009,9 5 87,8

y roMy,3o6oB"f3ar

I{CJII B : pe3epBax AOBTOCTpOKOBI4X Ir81 0 (.,

pe3epBa

BIIruIAT

3OI{TKIB aOO pe3eBax HilIeXHr4X tl82 10,1 147

pe3epB ferapo6neuux npemift I 183 1998,8IHIIII4X ( paxoBr4x pe3epBax I 184 0 0

Inuri o6 porui axrneu 1 190 0 z), I

Ycsoro la porAironr II 1195 t3272 7497,4III. Her

IIDOtra?|{V-

5oporui aKTuBn, yrpunaynaHi 4nr'a rDyrru sn6vrrq 1200 0 0

Ba.nauc 1300 51326,8 44635,3

I ru."uI

KoaprAKa

Ha xineur reirHoronepio4y

Ha xiueur ssirHororeploAy

2 5 5

I. B.nacl IUU Ka[lTaJ]

3apeecr ronaurafi (naftonnft) raliran 1400 11000 1 1000Buecrn

raniraryAO He3apeecTpoBaHof o cTaTyTHoro

1401 0 0

Kanirar y Aoouiuxax 140s t.r 0

4

Page 5: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

,{oaarxonnil xanira.n 1410 76,2 76,2EvicifHufi aoxia 1411 0 0

HaxonrqeHi xypcoei pisuuqi t4t2 0 0

Perepnurfi ranira,'r 1415 ?6{R 5 ?65R s

Heposnolineuz f npn6yror (uenorpurnfir6nror) r420 )'7415 5 )'7477 A

Heonlla.reuufi xalira,r t425 0 0BHnyveur,rfi raniran t430 0 0luui perepau t43s 0 0Ycuoro ra por.qinonr I 1495 4)1 \O ) 42r68,lIL loerocrpoKoei ro6os'qgauHq i

sa6erne.{eH uq

BiAcrpoqesi roAarxoai ro6on'q3aHHt I 5000 0

fleHci Isi go6oB'q:aHHr I 505 0 0

[oarocrpoxoai xpeAurr.t 6aHxie r5 10 0 0lurui AosrocrpoKosi go6os'ssaHHx 1515 0 0

,{oerocrpoxon ga6e:neqesus 1520 0 0

[onrocrpo xoei sa6e:neqeHHrr Br,rrparneDcoHtIJ]v

t52l 0 0

Ilinroee Siuaucynauur r525 0

bJIaIOArrrHa AOnOMOIa 1526 0 0

Crpaxoei pe3epB14 1 530 6018,2 1945,7y roMy r{r4cnr :pe3epB AoBtocrpoKoBr4x

ro6os'rlaul 153 I 0 0

pe3epB r6arria a6o perepe HaJIexHrrx BrrrrJlar t532 204.1 )04 1

pe3epB Herapo6rennx nperraift 1 533 5874,1 5874,1lHrrl cTpaxoBr pe3epBu 1534 0 0IHsecruuil Hi KoHroaKru I 535 0 0flpnsoanft Sou4 I 540 0 0Pesepe Ha Blrrlnary AxeK-rrory r545 0 0Ycsoro ra porairorrl II 1595 6078,2 1945,7III. floro.rHi ro6os'qtauuq i ra6esneqeHHq

Koporxocrpoxoai rpeAuua 6aHxi e r 600 0 0Bexceri sraarri I 605 0 0floroqHa KpeAuropcbKa ra6oprooauicrr sa:

Ao BrocrpoKoauNan so6og'r gaHHaMr4 1610 0 0roBaprz, po6orr,r, [ocJryfr4 615 2998,3 )\7 )po3paxyHKaMu s 6ro4Nerou 620 66,6 201,5y roMy qucli : noAarKy na npa6yrox 621 66,6 207,5po3paxyHxaMa :i crpaxyeauur 625 0 0po3paxyHKaMLr 3 onnarll [pa(l 630 0 0

3 A OAEPXAHI,IM 14 ABAHCAMTI 6J5 0floroqua KpeAr{ropcbxa :a6opronaHicrt :a

po3paxyHKaMV 3 w acHr4KaMW1640 0 0

floroqsa KpeAuropcbKa sa6opronanicrr 3a

lrpaxoBolo AiqmHicrroI 650 29 0

IIoro.rHi sa6esreqeHus 1660 4,5

,{oxoan rr,tafi6yruix rrepiogin t66s 0 0Biacrpo'reui xorvriciftHi Aoxor,n siA

IIEDCCTDAXOBHKI B1670 0 0

lHtrri noro.{ui go6os'sgaHHrr I 690 0 0

Vcuoro ra porailorr.r Ill 1695 3098,4 5?1 5

IV. 3o6os'qraHufl, noe'fl3ani Iueo6oporHnMH aKTuBaM14,

1700 0 0

5

\7

Page 6: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

yTpr{MBI,IoYTTfl

r.r AJrf rrpoAalKy, Ta rpyrraMrl

Earanc 1900 51326,8 44635,3

4.1. O6.tri

seituoc

HevrarepiaJrbHux arctusin

evrarepialuri aKrI4BI4 Tonapucrno o6nirconye ra ni4o6paxae r SinaHcoeifi:riruro MCBO 38 <<Heuarepialrni aKTuBH)).

I

I

yiBaHr{M

I

I

4.2. O6riic ocHoBHrrx saco6inII

MoAennrc co6inaprocri :riAHo MCBO 16\/'

ocHoBH14x :a.co6is o6nircoeyersc.q :a fiorooi avrop:rz:aqii ra HaKorrr4qeHux :6Hrrie rig

:ueqinerfn;r, Bra3HaHr{x:ri4Ho MCFO 36 <<3ueHlreuHr Kopr4cHocri aKrneiB)).Ao nogauoi in$opir.raqii y Siualrconifi seiruocri 3a 2016 p, po3Kpr4BaeMo

HacTyrr

nepniura napricrr, 3a rKoro ocHosui saco6u ni4o6paxeui s EaraHci sa rineql3BlTH cKnaAae 423 rnc.rpn,

(er<cn"rry

Meror anaopru:aqii npruorinifinzfi, TepMiH Kopr{cHoro BfiKopr4craHH-rraqii) Blr3Hatraerbcr rro nepio4y 3aBeprxeHHx ana opru:aqii,

nepeoqinra ocHoBHI4x gaco6is nporrfoM seirHoro repioAy ne sil6yeanacr;cyMa HapaxoeaHoi aMoprrr3arlii na riHeqs 2016 p. cKrraAae 53,8 rzc. rpu.

I

-loBJreHHt Kopr,rcHocTl He BlAOyBaJrocb.

x MofJrr4 6 icHyearz nepeg6aueui qzuszr,r

cTyBaHHr Ta po3noprAxeHHr HeMae.

saco6ie HeMae.- | yrora npo npIa46aHHf B uaft6yrnroMy ocHoBlrux gaco6is He yKnaAanacb.- | ocHoBHI4x saco6is. ruo rr,rMqe coBo He BvKoDr4croBvrorbc.[ (nonceosaui.s.1B, ilIO Tr.rMqecoBo He BvKoprrcToByroTbc.[ (KoHcepBaul.s,

pe yrqin, roqo) HeMae;

rroBHlcrlo aMoprl43oBaHl ocHoBHl 3aco0t4,yBurr4cfl, - Ha cyMy 26,6 ruclpn,

BI4nyqeHHr ocHoBHr,rx saco6is Anf, npoAalr(y n :nirnouy nepioai He

3A1r,rC

4.3. O6ri QinaHconux arcruein

o4o SiHaHcoeux iucrpyueHrin :AificHroerucqIFRS) 9 <(DinzLuconi incrpyrraeHrr4>.

Ioerbcr, .ru e o6'errr4BHe csiAqeHHt rofo, ilIoinancosux aKrrrsie 3MeHllyerbc.g.

I

4.3,1. @infnconi arcrueu s BaraHci cranoM sa 31.!2.2016 p.I

I

Qrauorr,r ua 31 .12.2016 p. Siuauconi arcuann, ni4o6paNeni Ha EaraHci Torapucrna,I

cr<na4aropr c.fl 3 H acryrrnzx (f iHau coBr.rx incrpyrrl enrin :

oro .uiqmHicrrc BKJrroqae :

paMr4 crpaxyBrlHHr (nepecrpaxyrauHx);oeuxis 3a crpaxoBLrMr4 Bnnnural,r'u;icifiHoi Br4HaropoAu rrepecrpaxonzrin ;

6

uo rrpoAoB)r(yrorb

Page 7: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

Hafi ueuyn auHr rroKa3Hr.rKa

Bcroro uaniseqtpoKy

HEI]OTAIIIC

nric.sqis

eil6 aoI2

ruicsuin[e6iropcrra :a6opronauicrr 3a roBapr4,

OOTII. TOCJIVII4

lHrua roroqua 4e6iropcr rca

foBaHlcTbCnncauo y snirnonry poqi 6esua4ifiuoi

I 3aOODfOBaHOCTI

Cynaa :a6opronauocri s roe'q3aHr.rMacropoHaMrr n sararrruifi cynaiIIeO1 TOnCLkOI ?R hr)nrnRzr{ncrt

- 4e6iropcrr<y sa6oprosaHicrb rperix oci6 sa ganoAi-sHi s6urKz (perpec

NEBITOPCbKA 3AEOP f OBAHICTb

Cxrral ra cyMrr 4e6iropcrroi:a6opronpr.qoK 1040 "[onrocrpoKoBa le6iropcrxaprAoK 1125 " fle6rropcbKa sa6opronanicrr

f,KIIX:

o Hapaxosani ga AoroBopaMr4 crpaxyBaHn/nepecrpaxyBaHHs I

crpaxoni/nepecrpaxoBi nrareNi, orrJrara xxzx:4ificHroerbcf, qacrvrlavr:a -10.9 'rr". .orr,p.rrAoK 1140 "fie6iropcrxa:a6opronanicrs g HapaxoBaHzx AoxoAie" - 30,51 rnc. fpH., 3

f,KI{X:

o PospaxyHKLI 3a IrapaxoBaHI{MI4 roxoAaMr4 rro Aerro3r4THr.rx BKJraAax --l 1 1.3 rzc.I-PH.;

o Po:paxyHKr4 3a upereu:ixl,ru - 82,7 Tr4c. rpH.;o PospaxyHKr4 3 nrlpecrpaxoBr4KaMr4 rrloAo ix qacrxz y Br4nJrarax - 0 r{ac. rpn.o Iurua:a6opronansicm - 1815,5 rrrc. rpH,;

p.[AoK 1 155 "Innra 4e6iropclxa sa6oproBaHicrb" - 1909,4 rr4c, rpH.;

[onrocrporoei QiiHauconi innecurqii Tonapucrna craHoM Ha T,I2,2OT6cKJraAarorr,c{ : iunecrzqifi n axqii yrpaiHcrxux evrirenrie, srio 6 eprarors c fl. Ha aK'rkrBHoMy (opraHis o n auorr,ry) S o n4o nouy pr4HKy.

Tonapucrno He t\4ae o3HaK naseuocri KoHTpoJrro ra cyrre Bnnr4By Ha

,2016 p.nirupueltcrna, axqii .flxux o6riKonasi na Ealauci Tonapracrna craHoM na 31,1Bapricrr AoBfocrpoKoBr.rx Siuauconnx innecruqifi nzsna-reHa To I4CTBOM 34

crpaBerJrrrBoro napricrrc Ta co6inapricrro npun6ayux 3 ypaxyBaHHtKoprzcHocri, rqo nepe46aqeHo MCo3 (IFRS) 9 <@iHaHconi iucrpyrraeHrr.r)).

B n.4.4. lipunrirox HaBeAeFra iu@oprvraqis uoAo lepeniprcu Tonapu

bcs. TaP.,HC

3MEHIIIEHH'

BOM AOKa3lB,x uBecTr{ulzsKi csir.rarb trpo gircytHicrr Sar<rin 3MeHrueHHs Kopr4cHocri $inancon

Tonapucrna.Cnpane4luna napdcrr (fiHaHcoer.rx iHsecrzqifi, lr<i o6eprarorrcx

(opraui:oaaHorrry) $oHAonouy prrHKy Br43Har{eHa ToeapncreoM 3 ypaxyBaHxypcin, mi oupulrcAsesi oprauisaropaMr4 roprieri Ha $ou4ononry prru3r.12,2016 p,

floroqni $iuauconi iHnecrnuii Tonapucrna craHoM Har naprocri BeKcerin, axi npul6aHi TonapzcrBoM B 2011 p, rTa r'IacrKoBo upe4'xnreHi lo flotarlreHHfl.

aKTT4BHOMy

arr,r 6ipNonzxy cTaHoM Ha

31,r2,20r6 0KJIanaroTbctut,2020 p,reprvriuov

ttP

Page 8: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

.-.lp AeolTOpCbKOl 3aOOpIOBaHOCTT 3a HaAaHl nOCJryrI{ TpaXyBaHHr CKIaAaeTbCq

3a6op ocri crpaxyBaJlbHr4KiB gi cuarvr crpaxoBr4x nrtarex<is.eorTopcbKa 3aoopfoBaHrcTb 3a HaAaHt rlocrryfu cTpaxyBaHHq e

[oBt is noro4xeHr.rMr{ rpaQircaun cnJrarrr crpaxoBprx nlarexin, pe3epB

go6os'q:aHb qLI

iHury

noToqHoMy porll BlAoyJracb KroAlfl 3or4TKy)) Ha cyMyAT (d(BIO <fopzsonr)) HB3T, IIAT <<Orasa>, IIAT

6oprin cTBOproBaBcs,

ip Innroi noroqHoi 4e6iropcrxoi :a6oprosauocri craHoBrzTb 1909,4 rpH. rai: pospaxyHKiB 3a HapaxoBaHr,rMl4 AoxoAaMu rro Aeno3urHr4x BKnaAax ra

po3pax r<in s iHrrunrrz 4e6iropauz,4e6iropcrra :a6opronasicrt e rroroqHoro, pe3epB cyvrHinHux 6oprin He

zcnocri {inancorux arcrr.rsiB:eirHoro nepiogy oqiHro€Tbcfl, rtu e o6'eKTunHe cniguetturofo aKTr4By a6o rpynu Sinanconux aKrzsis 3MeHrxyerbcr.

I{op aKrI4By a6o rpynu SiHar-rcoezx aKrunis sueHuryerucr is6rarr<n $i4 ri szFlzxalorb, .f,Krrlo e o6'errznne cni4venH.s 3MeHneHHtr

Ir<opncnQcri 6o rirst<ox no1ifi, xri ri46ynncx nicns. nepnicuoro Br43HaHH.s

a <noAis:6urry> BnJrr,rBa€ Ha no[epeAsro orliHesi nrafi6ynriBofo aKTHny a6o rpyrv @inaHconzx axrunin, rKi Mo)KHa

.n roro, rqo ropzuricrl Siuanconoro aKTr4By a6o rpynr4trcx, nicrr4Tb y co6i cnoctepexrHi 4aHi, mi npr.rBeprarorr,

yBary yrlpur,rynava aKrLr By Ao raKUX noaifi :6urry::Ha.IHi $inauconi rpyAHorli euirenra a6o 6oprrnura;nopyrxeHH_s KoHTpaKTy, TaKe .f,K HeBr4KOHaHEf,

BaHHs nrareNis eiAcorKie a6o ocHosHoi cyun:crae MoxJrr4Br4M) rrrrlo rro3ldrraJrbHr,rK ofoJrocr4Tb 6aHrpyrcrso a6o

y peopranigauiro.

rIoToqHoIo,

cynruinuux

2811,90 TI4c. rpH,- eMlreHrvdHBKIO <Cepre:a>, ar<qiiaKrIrr4

ga6roro I

4.5. O6t Sinauconux :o6on'qsanrtK Ta BI43HaHH' 30008't3aHb 3Alr,ICHrOeTbCt

i go6os'.sgaHH-s

B'fl3al:ns. Tonapucrno rcnacu$ir<ye Ha AoBrocrporoei ra noroqni.si so6oe's3aHH.s Tonapzcrna cKnaAarorrcq si crpaxoBr4x pesepnie,

snoi rouicii, rqo s.qificHroe AepxaBHeuSopltaqir rrpo rqo HaBeAeHa Hr4xr{e.

rauoM Ha 31,12.2015 p. cxna4aerbcf, :

auicm 3a ToBapr4, po6oru, ilocryrr4 " - 253,2

oAi 3 areHraM{ - 2I1,6 Tr4c. rpH.;

n-0rrac.rpH.;8,7 rzc. rpn,;

ol Po:paxyurcu ycrpaxoni]/nepecrpaxoBi x u-56,3rHc.fpFr^l

ol pr4or 1650 b nc. rprr.,t-

8

I

I

e Tonapzcrei e siAnoniAnocri s,,

Page 9: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

Cr

I

leno:urui 6anxieor,Ki BKnaAr,r poauiulpefirr,rHry 6auxiscrKoi ycnanonu, n lxifi posAo cyMrr uputfiuxrHrax ax'uasie is rraeroro 4oPefiuEnr 6anxiscbxlax vcraHoB. B rxr{xsiluosiAae iuuecruqifiHol\ty pinnro :a naqiouarbHoro pefirzuronoro rrrKaJror!, nzsHaueHoro3axo uolascrBoM Vr<painrz.

5. Crpaxoea AiqrrHicrhO6nirc crpaxonoi 4ixlr,uocri s4iftcuroerrcr Tonapucrnov

<Crpaxoni KoHrpaKrr'r)) ra BrrMof Haqionanrnoi xoruicii, Iqo

TIO3LITHI4X KOMIIO

perynroBaHH.rr Ha pLrHKy $inaHcoezx locnyr.Tonapucrno HaAae nocnyfil 4o6ponirrrHoro ra o6oe'_sgxoeoro crpax

crpaxyBaHHfl, iHruux, HiN crpaxyBaHH_fl xr4rrs, y ni4noni4nocri no orpr4MaTonapucrno s4ificHulro recryBaHHr rconrpaxrin Tonapracrna Ha

crpaxyBaHHfl>> Ta xpurepimr BlI3HarIeHHt crpaxoBrzx KoHTpaKTin, rxi

sria3A1r4CH

MC(D3 4Aep)KaBHe

rrH.f, 3 BrrAlB

JIiqeusifi.lAHlCTb

crpaxoBr{M KoHrpaKTaM 3a aJrropr4Tuorrl:ri4no MCO3 4 <Crpaxoni r<

3a pesyrrrraraMn'recryBaHHa TonapzcrBo 3a3Harrae. rqo crpaxoni r\ flKryKnaAarorbcr ToaapucrBoM, € crpaxoBr{Mr.r KoHTpaKTaMr,r y ninnoeiffrocri AO

<<Crpaxoni KoHrpaKTr.r)) Ta

OCHOBHI,IM K KO

- Ha.f,BHa HeBr.r3Haq()uicm noAii trlo Ao crpaxoBoro Br,rrraAKy;

- HaqeHicrr 3Har{Horo crpaxoBofo prr3r{Ky;- Ha.seHicrr :6zrrin 3acrpaxoBaHoi oco6u y pa3i HacraHH.s crpaxonoi

5.1. Crpaxona 4inlsuicrr y :riruoMy nepiogi:IuQopruauiq qoAo HaAxoAlr(eHHfl crpaxoBrrx uJrarexis n 2015 p. ra2016

eHl

3V dlpoMC@3 4

X TIOX1NHIIX

p

TaHoM sa 31,12,2015 poxy rpouroni Korurn ra ix exnieaJreHrr4 cKnaAaroIloroqHr4x paxyHKax ra leno3r4THrrx paxyHKax n 6alrrcax. llpoqeAerro3r.rrHrrM BKJTaAaM y 2016 poqi cranoBrdna B cepe.4HboMy 15,3o/o.

s rpourefi naCTABKA IIO

fporuosi Korrrrr{ 'ra ii enninaJreHTn 31.12.2016 p.. rrrc. r H.l)rpoLlosi KolrITr4 Ha nororrHnx

PAXVHKAX

IIAT "fIpuear6aHr" KfPflAT ",{epNanHnfi ou1a4urafi 6asrc

VnpaiHn" 487,1

AT dIIPEYC BAHK MKB) 0,3IIAT "Yripra36aHrc" 300.6flAT "Alrda-EaHr" 516.0IIAT <llonraaa-Bauxl 31,1

2) rpouroni Korrrru Ha Aerro3HTHHXDAXVHKD(

IIAT "{epxarHnri oulaAHuft 6aHxVrcoainu" I 950,0

IIAT "Yrcorag6aurc" I 000,0|IAT "Arrcda-EaHK" 550fIAT "flnHsar6aHx" KIP 100Bcuoro 4 937.4

Page 10: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

Bua )TpaxyBaHHq V 2015 p.rraAxoA)KeH

Hqnnarexin,

V 2016 p.HaAXOAIT(eH

Hq

nnare)xin,

I 2 )

YQo )Ml AOOpoBrnbHofo:

Crpa .yBaHHr MeAr4qHr{x BuTpaT 0,4 n1

Me4{vHe crpaxyBaHux (6esnepepBHe crpaxyBaHH.s {t \

Crpa yBaHH[ BIA BOrHeBprX pr.r3r4KlB Ta pH3HKlB CTLrXrr4HLrX ?R{6 ? 1340,0

Crpr (yBaHH.s qusimHoi eilnosilanr,nocri nracuuris 0,6

Crpa; yB aHH.rr Ha3eMHoro rpaHcnopry (rcpina sanisuuuH o ro) R?1 05 149,2

Crpa xyBaHH-r naHraxie ra 6araNy (nauraxo6araxy) 0,1

Crpa:nonirprrr,inuux sz(nanraxo

(yB aHHq rnrait]Ha frp itr : ani:uHqHoro, Ha3 eMHoro,)ro, BoAHoro rpaHcnopry (uopcrxoro auyrpiurnboro ragin no4noro rpaHcnopry), naura;rin ra 6araxy6araNy)l

3450,5 ll?R 1

Crpa yBaHHfl. B1A HeUIaCHT{X BtrrraAKlB 156,00 243,9

Crpa;|I03HTIZUIb

(yBaHH.s npe4urin ( y rouy qncri eiAnoeiAanrHicrlHlaKA 3a nOfauleHH.rr KpeAHTy) 6396,1 914,6

(yBaHH.s r i4non i4altHocri nepeg rperi tru oco6atrHx crpaxyBaHH.a qnniltuoi eiAnosiAanrnocri nracHzxieo rpaHcnopry (nnnrouarovz nignonigalrnicrrma), crpaxyBaHHr eiAnosiAamHocri sracHrarcie

)fo rpaHcnopry (nrcnrovarovu ni4noai4altHicmma), crpaxyBaHH.rr ni4loni4allHocri sracHnnin ro4Horory (ex,rrovaroqu siAnos iAalrHicrr nepen i:rruna)]

578,0 70,6

Crpa yBaHHr $ iHaHcoerax pu:r'rc in 23,05 13,0

Crpa; yBaHHr cirrcrrorocno4apcrxoi npo4yrcqii* 0,1 r 050,1

vQo Ml o00B f,3KoBofo:

Oco6TOXE)I(HC

(xonrau4)

rcre crpaxyBaHH.rr npaqiruuxin eiAolaqoi ra cim,crr<oi'oxopoHt4 i qnenis 4o6ponirnur4x rro)Ke)KHr{x Apy}rfl4H 611,3 40,3

(yBaHH{ qusimHoi ni4noei4amnocri cy6'exrinoBaHHr 3a urKoAy, rKy Mo)Ke 6yrn eano4irHo fro)Ke)r(aMhuru Ha o6'ercrax nignnuleuoi He6e:neKu, BKJrl.oqaroqfi

n6yxoue6esnequi o6'ercru ra 06'ercrr4, focrroAapcbKa

Ha.sKHX Mo)Ke npr43Becrr4 Ao anapiit enoloriquoro ra)-erflAeMlonorlqHoro xapaKTepy

160,7 0,1

Crpa.ne6esneqnacriaxir

:yBaHHr siAnoeiAarlHocri cy6'exrin nepene:eHH.r{rrx BaHT€DKie Ha szna,[ox HacraHH.f Hefarr4BHHX

npu flepeBeseHHi He6es[eqHr4x eaHraxis22,6 7,2

Oco6 Icre crpaxyBaHH.s eiA HeqacHzx suraAKin ua rpaHcnopri )R 19

Crpa3HI.{TIEHH

yBaHHs. rrpeAMeTa rrroTeKrr BlA pH3llKlB BHIaAKOBOfO

, norrrKoA)r(euss, a6o [cyBaHHt o4

10

Page 11: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

CrpaxynanHa qunilrnoi eilnoeilaltnocri rpoMaA.rrHYrpainv, uo Marorb y BJracHocri qra inruovry 3aKoHHoMysororiuui :6poro, 3a rrrKolly, rKa Molxe 6yru sauo4irua rperifioco6i a6o ii vrafiuy nuacli4ox nolo4iHux, :6epiranur vnBr.rKopr4cranus qiei :6poi

0,1

Crpaxynauus qusirl,Ho-npanonoi ni4noni4anruocri[pr4BarHoro uorapiyca 0,1

Crpaxynanur qnnilrnoi eianoeilalr,uocri sracnraxisrpaHcnoprHt4x saco6in (sa :nr{aft Hr4\arz 4oronopauv) 0,1

Parom:16 081,90 5187,8

,2. O6.nix sa6esneqeHHq B crpaxoBifr liqnrnocriAuanirz'{Hzfi o6rix pesepnin is crpaxyBaHH.s s4iftcuroemcx 3i

crpaxyBaHHr, B .[Kr4x CTpaxoBr.rK Hece eirnoeiAanrnicrr, 3a ceoiMrago6on'.f,gaHHrMrI.

(DopvrynaHHq crpaxoBr4x pesepein sAificnroerrcx sri4uo BHMorlepxanuoro peryn.qropa.

Crpaxoni go6os'q3aHHr npufinrarorrca pinnuvrz o6csraMv crpaxoBt4xQopvryrorrge.y nops.Axy, nepe46aqeHoMy e 3Y "flpo crpaxyBaHH{).

B 2016 poqi Tonapucrno Sopl,rynano crpaxoni pe3epBr4 :ri4no nrzrrr,

orpaxyBaHHr)) Ta Br4MOfaM AepxaBHofo pefynsropa crpaxonoi 4iuruocxonricii 3 peryrrrcBaHHr pvnxin (fiuauconux rocnyf Yrpainu, _{Ki

Posropr4xenni Ns 3 104 nia r7 .12.2004 p. dlpannna Qopruye aHHg, o6niny rcrpaxoBr4x pe:epnin 3a BLrraMu grpaxyBaHH x, iu[tuMu, Hix crpaxyBaHHr )rcrpaxoBr4x pe:epnin posl,riulyrorrcr sri4uo <<lloloxeHHr npo o6os'.trsKolHopMarlrBr.r AocrarHocri, 4unepcu$ixonauocri ra sxocri alcrznin, AKLTMLT

crpaxoni pe3epBr4 s euAis crpaxyBaHnx, iuurrzx, niN crpaxyBaHHr xr4TTr)), 3

Posropr4NeHH-sM ,{eprxae,noi r<onricii 3 perynroBaHHr przHKin (fiuancoBr4x rr(nia 08,10,2009 por<y Nr 741.

Kovnauir Sopnaye i eeAe o6rin raKr4x rexHi.rHrax pe:epaie 3a Br4AaMr.r crp- a) Pe:epe Hesapo6leuzx npervrifi (pesepnra upenrifi), ulo BKJrr.

eia cyM HaAXoA)KeHb crpaxoBnx r,qarexin (crpaxonux eHecrcie, crpaxoBaxeiAnoeiAalorb crpaxoBuM prz3r4Kav, lri He Mr4Hynr4 ua :eiruy 4ary, BeruHe:apo6leHux npertlifr Hat 6yar-rr<y seirHy Aary BcraHoBJrroerbcr 3aJrex{E

HaAXOAXeHb cyM CTpaxoBrz{x nrarexis (crpaxonux nperr.rifi, crpaxoBax nuecxin)ei4corrcin sararrHoi' cyMH HaAXoAlr(eHb crpaxoBr,rx nrtarexie (crpaxonzx npelnuecrcie), : ei4noei4uux er,r4ie crpaxyBaHH.s y KoxHoMy r'lic.aqi s nonepelHix I(po:paxyurcoenil nepio4) i o6uncnroerbc.fl - nrerogona 1/4

6) Pesepn 3aeB.[eHr4x, aJre He BalraqeHr,rx s6urnie; ilro BKloqa]orE,Hecnnaqeui crpaxoei c),nau Ta crpaxoni ni4urr<o4yaauur sa ni4ourzrcrpaxyBanbHurcin, 3 qKnx He npufiHrro pimeHur uroAo BvtilrarLr a6o ni4ur

AofoBopaMcTpaxoBzM

M

pe3epBB, fl

rav 3Y dlpd .{ep>rannrezrua4eHir poeuiqenr?lT"Ifl>>, KOIIIT

i rcpurepii InpeAcTaBner

rTBepA}KeHOr

cnyr Vrpain

xyBaHHs:rr{a}oTb qacTK

npenaifi), ntuHa pesepnt

l eiA rlacrc

ra cxla4ae 8

ifi, crpaxonz)B'flTla rraic.aqi

3ape3epBoBar

A BI4MOIAM

Br.r y ButIIIIa'crpaxoeoi cyrvtr,r ru4 crpa.xoBofo ri4urrco4ynanBnrrlageHnx g6urKis ei,4nosiAae cyui saxueuucyMy He BunnaqeHax s6hrKie Ha [oqaroK ssiruoHa cyMy BnnraqeHhx s6nrrcie y seiruol,ry nepioposrrripi 3 eilcorrcie ei4 cynrra HeBHnJraqeHuxz6ur

AHar ira.{HNfr o6ni rc pe:epei e sgifi cHrcers

I

I| 11I

I

I

I

pBlB, -gKI

3Y dlpoep>rannoi

Hl B

IeHH.rr

OIIITI4

rii rasreHi)HOfO

oaiHz

TKA

xlolsisTOK

:80BLIX

tuie

aHi

MU

ari

Page 12: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

pe3epBiB cTaHOBtrTb, y TOMy .r[cni:2015 p. 2015 p

5 874,1 16',76,1

204,1 269,6

crpaxoBr4x uaTexiB.

5.3. l34ificrreuHfl rrpoqeAypr4 nepeeiprcrr aAer(BalHocriI

cSopruonaHvx crpaxoBrrx to6on ts3aHr,t-

' , crpaxoBr4r :o6os'.qsaH trk naKoxHy :niruy, ilIo Bt43Harorbcs (uanpzrna4 c$opvronaHiovHi oqinru vrafi6yruix SiHaHcoezx nororisprlKnaA Br4ilrrarn ) a4nrinicrpar unni snrpatu,is i r.iH.),

ani pesepnu nesapo6JreHlrx rpeuift € aAeKBarHuMrr AJtfl noKprcTTfl 36urKiB 3a

AofoB Mt4, rrlo Airorr sa31,12.2016 porcy.

5.4.flp pa y[paBJnHHq pu3uKaMr{

I ToeaprzcrBo, {K crpaxoBa xonrnaHi.s su1irse BuAaMn pusurcir: ri, .sxina4xo4x[r ei4 crpaxyBaJIbHI4KiB, i ri, rqo o6yuonneni iT 4i Hicno, PrasHK crpaxyBaJrbHfiKa

par, rrourKoAxeH b ra 3 Hr4rrleH H n). nl,rruripr Horor43Hat{eHa uoxrunicrr, Henocraruocri xounieaHcoBr4x go6os'qeaHr. BuropucroByrorc.s nrq

xoezfi plr3urg rpe4nurzft pr43rrK; pr43r4K

3r{K; crzcrernufi pr{3r{K.

lrstrKr\ nos'.ssaHi ig aKrzeat\au) - qe pi:ui

rn ui :i cnpovoxsicno ylrpaBnrru aKTuBaMil.

ll{xepelou noKprrrrr innecruqifiHl4x pr43r4Kis e sracHi simui Korrrrr4 ra pe3epBu,opMoro.

Tb plI3I4K penizlaqii crpaxoBr.rK a, rcpugutunitHopMarr,rBHo-rrpaBoBr,rx aKrin, 3aKoHoAaBcrBa,pauincrrux piureHr, onepaqifiHo-rexniqHufi

pkI3I4K. {Pouec ynpanninnflTaK:zMr4 pt43I4KaMr4 3BoAt4Tbcr 4o ix rvriniuisarlii.

I

--l5.51 Yupan.ninur SinaucoBrrMr{ prr3r{KaMrrI

I(iiuaHconi pI43IrKIa (pra:ur rir<ni4Hocri, sNaiHz npoueHrHoi cranKu, Ba,rloruufi,I

plaHronzf pI,I3I4K, pLr3LrK BTpaTr4 rv'airlr'a ra iu.) onruiraisyromc.a. .{o SiHaHconoro pr43l4Ky

ni4HocLrir rexHi.rH[fi pI{3I{K crpaxoBr4Ka, xxuit Brl3Harraelbcs. sK firrlonipnicrr, rofo, uloI

I

I pesepeu Hesapo6lenzx npenaifit^I pe:epn 3af,BJreHlrx, aJre He Br4rrJraqeHnx g6IlrxisI

I

Pesepnz :Jr,reHurunHcb 3a paxyHoK 3MeHrrreHHt HaAXoAXeHHt-l

I2

Page 13: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

I

po3Mip BI4uIar 6yae 6inlurl4M 3a cyuy si6paHr.rx crpaxouux npenrifr, rxlrx 6yfe ueaocrarHboAnr rroKpr4rrs B[Tpar crpaxonoi opraHisauii I

Y Tonapucrsa eilcyrnift rcpe4uruufi pusur, prz3r,rK lixni4uocri ru p"frno euir puzrttx,ocrillxu sci yxna4eHi roroBopl4 crpaxyBaHHfl 3a pe3yJrbraraMr{ recry{anns srsHauicrpaxoBlrMI4 KoHrpaKraMI , n sn'xsxy s ni4cyruicrro n6y,4oBaur4x noxi4uuxjiucrpyruenrin,siacyrHi HenofailleHi xpe4zr i zatruutxu, ra ni4cyrHs sareNHicrr ni4 npoq{rrrrx craBoK,.sxi serrzKorc naiporo 3aJre)Karb ni4:aramuuxracnequsiuur4x pr{HxoBzx sr,{iu

Ynpan.riuHrr crpaxo r.Lrv.u pv3rrKaMrr

3giftcuroerbcs ynpaBninnx crpaxonuvrcyMa 3a oKpeMrrM npeIMeToM AOfoBOpy cTpcnnarreHoro Craryruoro naniraly i c$opnron6ylz nepecrpaxoBaHi. Onepauii : nepecrp:lificurosanrzcb 3 ypaxyBaHHrM ix uarocnpoctpaxyBauH.a", a 3HaqHe nepeBr,rqeHHsTonapucrn a Ha1po3paxyHKoBr4M HopMarrzBH3obon'-rr3aHb 3a rIr{MI,r onepaui.s\4r,r,

Kffo.{oeraMr.r xapaKTeprzcrr.rKaMrzKaMrz cr{cTeMV BpefynroBaHH.{ CTpax6e:nepepnHic:rr, oneparznnicrr i OO'EKTIIBHICTb

x ptr3r{KlB(crpaxonzx nzna4rcin)(4oxyueuralruicrr).

Vnpanniuuq crpaxoBr.rM pr43rzKoM s4ificHroerrcx 3aB4flKu

5.5.1.

xrieHrie, c0opivronauvlr niA uac pospo6Kr4 rlboro rrpoAyKTy ra Br43HaqenH_s fi rI1Hr4.KonqeHrpaqix crpilxoBoro prr3r4Ky ni4cyrHx.

e3nHCOBI Ton 2016:

Aoxoltz ra Br,rrparr.r Tonapucrna, roB'.[3aHi :i crpaxonoro 4iurnira HapaxoByrorbo.rr:riluo s MC@3 4 "Crpaxoni KoHrpaKrr4)).y ei,4uosi.4Hocri Ao BrrMor ui4roroeru 6iHancosoi ra ro 3BlTHOCTI3acrocoByBarr4 npr4Hrlzn HapaxyBaHHfl. Ta ni4noni4Hocri roxoAin ra paT: BuTpaTr4

augepafituHroBr'rx rloriTvtx, upvnqrzlin qiuoyrnopennx, crBopeHH.srrepecrpaxyBaHHr. oCO6rruea yBafa npu4ilrerrcx :a6egne.{eHuro Tofo,r,rieurin, arrifi r<yny€ crpaxoBzfi upo4yxr, ni4noniAaB ooHoBHrdM npr4rry

nofoBopaMr.r crpaxyBaHHrr, cnincrpaxyBaHHs i nepecrpaxyBaHH-{ pz:zxinVxpaiHa a6o :a ii uexravu rporsroM geiruoro (no4arxonoro) nepio4y, 3a B

crpax o Br4x ularexin, Hapa.xoBaHVX crpaxoBr4KoM 3 a Aof oBopaMr4 nepecrpaxy3MeHIreHHr po:r"ripy cTpaxoBlix pe:epnie uesapo6leuzx npenaificQopnaonaHvMr Ha xiueqr rorepeAHboro seirHoro (no4arxonoro) nepio4y :

rroeAHaHHrO

pesepnin raCETMCHT

H.f,M rrlo.4o

, BIUI3HaIOTbC!

f,KI4X BOHI4

na repzropiiHflTKOM CyMr4

H.S, Ta CyMa

oplBH.f,HO 3lypaxyBaHHrM

3BITHOfO neploAy Br43HaqaloTbc.fl oAHor{acHo 3 Aoxo,4aMV, Anr OAepxaHuoueceui.

onepauifinzft aoxia crpaxoBt4Ka (aoxia ni4 crpaxonoi 4ixmuocri) c bc.f, 3 :

cyMr4 3apo6leuax crpaxoBr{x tlnareNis (nnecxin, npevrifi), HapaxoBaHr4x OBI,IKOM 3A

3MlHr4 qacrKr4 nepecrpaxonulcis y crpaxoBr.rx pe3epBax, coopuonauux OBIAHO Ao3aKoHoAaBcrBa.

I

I

[o cr<na4y AoxoAy ni,q crpaxonoi 4ixruuocri erorroqaromc_s: i

n-na-^-i -^^";'i : - -,^^-----: ^--- -^_: -- |- crpaxoni npenrii Hapaxonani, s qacrr4Hi cyM crpaxoBrlx nl;areNin, uoeirnoeiAalorl, crpaxoBuM llr.r3r.rKaM, Ha:nirHy 4ary; I

I- ronriciiuy Br4HaropoAy 3a AoroBopaMz, nepeAaHr4Mrr B rrepecrDaxvsailu.s:- qacrKr4 arpaxoBlrx cyu i crpaxosax siA- pe3yJrbrar sN{iHra pe:epnin ie crpaxynauu

Page 14: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

F"B

h"cTpaxyB

lllr

r+r

[opx4or< ei4o6paxennr n o6nir<y AoxoAie geirHoro uepioay 3a yKnaAeHr4Mr4I

AOfoBoppMLI CTpaxliBaHHt 3aJ-Ien$4',r'b tsrA tsu3HaqeHnx A foBopoM cTpaxyBaHHr yMoB--^r,- ^---l- ! ina6paHdr qunnocril Ta cIIJIarr4 crpaxyBaJrbHr.rKoM crpaxoBt4x nnarexiB. flrtuo 4oroeipcrpaxynpHux na6upae .rlaHHocri is sa3HaqeHoi s HboMy arLr, HapaxyBaHHr crpaxoBr4x.t.[naTexlP 3ATI,ICHIOeTbC' B TOMy rrep1o.41, AO f,Koro HaJr ]r(r4Tb, 3a3HaqeHa B AofoBopl

)r pa3i 4rbcrporoeoro rprrnl4HeHHr AoroBop:/ crpaxyBaHHr 3a 3aqBolorKa po3paxoBy€TE,c.s aKryapHo

TIDO CVKVIIHI4I4 noainnpeAcTaBJreHr414 HacTyIIHI{M r{r4HOM:

Htr

II4CHK

I.uta.

T

orrnaTy

crpyKry

paxyHBCTAHOB

rpo c

pe3ynb

trpaqr rlpaIlrBHI'rKrts, ooqraJlbHl BlApaxyBaHHr rir tHurt) 3rtAHo sctaHosreHoiBrzTpaT.

o6nir<y innrux 4oxo4in ra SiHaHconux i Ha4snuqairuux AoxoAin 3acrocoByrorbc.s

pHr,rx KoHTparcrie nporsrow2016 poKy He 6yno"oxoAlB Ta BI4Tpar 3a HaA3Bnr{aitnuwu noAi.sNaz He 6y.rro.r4Tparkr, slci ne sxrroqeHi 4o crarefi Brrrpar 3niry npo SiHanconi pe:y,'rbrarr{ (3nirynzfi 4oxi4), a ni4o6paNeni 6e:nocepe4Hbo y crlaAi BrracHofo xanirary, ri4cyrHi,Bapr.rcrBo ei4o6pa:nno npu6yrxu ra s6urKn y ssiri <3sir rrpo 0inancosia (3nir npo cyKyrrHrafi loxit)>, :arnepAxeHy llanasoNa MOy i\b 73 sia nia

01.02. 3 pory.

BIIX AKTI'BIB I ptxtq3aHL

AarKoslafi o6lix 4ixltHocri Tonapncrna :4ificurorarz ni4nosiAno Ao rrr4HHofo

3aI(OHO BcrBa Yrpainu, Bi4o6paxeHH.f, y (financonifi geirHocri ni4crpovenr4x noAarKoBr4xi ni4crpoveHl{x rIoAarKoBIzx :o6os'.sgaHr gAiftcHxrBaJrocb ni4noni4Ho Ao Br4Mor

Crarrq 3a ssirHrrfinepioq (2016 p)

3a reirHnii nepiognorIepeAHbofopoxv (2015 p)

rIz rufi AoxiA niA pearisauii npoayxqii 12 478.1 6896,4Ba osrfi npa6yrox l0 006,1 s787,2Aa rrHlcTpaTI4BHt BI.lTpaTU 877,s 684,6Iru r ollep aulr4Hl Br4Tp aTr4 0.0oi

nDr.16vrc

aucosr4k pe3ytbrar ni4 onepaqiiuoi Ai.qruHocri: 2 286.6 3'790,3

Isr r QlHaHcoBl AOXoAr4 0

Oir laHCOBl BI4TDaTLI 0 11q? q

Iur I BIITPATI4 28tt^9 t6,2oi aucosufi pe3ynbrar Ao orroAarKyBaHHrr: lpu6yrox 211,2 581,2Bu parz (aoxia) 3r [oAarKy na npw6yrox t93,3 4R3 A

\u rrzfi $i uaHconnil perylrrar (npr,r6yrox) 11 q 98,8

TIOBI

o BI4Tpar co6inaprocri crpaxonux nocnyr ni4uocxrscr crpaxoBi nunlarz, Br4Tparvis npery:rrcBaHH-sM crpaxo ux no4ifi, inmi nurparz co6inaprocri (uarepia,rrui, na

AKTI,IBIB

t4

Page 15: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

rlepeBlpKy 13 3acrocyBaHHrM MeroAy 3o6on',.s3aHb Ha-rrBHocri rrzM.raco pl3Hr4rlb, rKpi:uzqr uix uo4arKoBoro 6asorc axrzeis ra:o6os'.f,3aHb ra ik daranconoro CTIO.

3a pe:ynrraraMr{ npoBe.qeHoro ananisy arrunie y nzr.h.r4i <<[ofloro.rHra( SiuaHconux insecrr4rlifi> pisuuq.q l,{ix noAarroBoio 6a^:oro6araHcosoro napricrro e He cyrreBoro .

8.Pe:y.nr,rar uep en ipnu ueo 6xiquo cri Qopilryn auua Tonapr,rqrBoM[oAarKoBrrx arcrunis (BlA), niAcrpoqennx uoAarr<onux so6bn'sgaHr (qo ?1 11 7fi1Kn

fI3) cranonrna 31.12.2016p.

3riluo Br4MoraM MCBO 12 dlo4aroK Ha npu6yror>

BI4X

BlB TA

i Tonapu 3.41I,ICHeHO

BOl 3BTTHOCTI

na.reuHs BlI3

3aranruzrrau

TA

ix

Y sn'lsry 3 rrrM, tuo Br43HarreHa cyMa BlI3 ne e cyrreBorg 4la $iHauTonapzcrna, ilpLr crra4anui Earrancy Tonapucrna craHoM na 31i12.20r6 p.ue ni4o6paxaJrocb. I

9.Bnrcopncrannq npu6yrxy

lUlsxz BrlKoprrcraHHr lpz6yrKy Br43Harrarorbcs, Craryrov:6opavn yuacuuxin Tonapucrna.

10.IIoe'qsaHi oco6u Tosapucrea

Ha suxoHaHHq Br4Mor MCEO 24 Toeapzcrno po3KprrBa€llepelix roB'q3aHr{x cropiu Br43Harraerbcx Tonapucrn

ei4nocrzH, a He nr4rrre rcpr4,4uqHy $op,tly.LIos'.f,:aHi cropoHu - ropr4At4qHi oco6z:

rcTyrrHy rH

, BpaxoByilIlrc.cyruicrt

TOB (BK-EKCfIEPT))

KoA eAP|IOy 36530730, Yxpaina, 03150, ]

fiulrlr'rpona, 5. B oco6i Ar.rper{ropa llaua<Boro4vlrrapoBrrqa nacropr ME Ie 835361 Bu2laHrrO6onoucrxunr PY fY MBC Vrcpaiuu n u. Kraeai, If3apeecrpoBaHr,rft Yrpaina, u. Ift.ri'n, up-r O6oloucrxe, 125. [ara uapoaNennn 26.09.1991 p.

vr. Klti'n, By)eHKa Baarnn 20,11.2007rH 335061581xufr, 6ys. 36,

99,98 %0TaTyTHOfO

KanlTiury

flos'r:aHi oropoHr4 _. $isuvui oco6a:

Bepnasrcr< OnercaH4pOrexcauApoau.{

AATA HapOAXeHrUr

22,0t,1984 0.

flacnopr TT J\e 233178 nusawuft 01.07.2014 p. Ofy MBC Vrpainn n rr,t. Kreei,I|IH 3070218716,2a1Kzi'n, ayn. Mare 3alxrz,3A. xs. 224, Yxpaiua

roroucrxuna Peecrponauuft r 0,019 %

cTaTyTHOfO

raniraly

llaHaceHxo BaAnuBoloanunponnt

LArA HapOAXeHHt26,09.t9910.

nacnopr ME Ns 835361 B:zl.aqnir20.ll,2007 p. O(fy MBC VxpaiHu n u. Kneni, IIIH 3350615819,Vrpaina, rrl, Kni'e, np-r O6orroncbKr.{i, 6ya. 36[, r<a,

rapeecrpoBaHr4

ioroucrxraru P

250,001 %

cTaTyTHOTO

KarllTzury

1.3nir r is (:a [DflMrrM

Tonapucrno cKnaAae 3nir npo pyx rporxonux noruris griAHrpouroBr{x rcourrie>) 3a rrptMr4M MeroAoM, Bl4Kopr4croB}Torrrporuoerax KourriB (3a ilp.f,Mr4M MeroAoM)), 3arBepAlr(eny Haxa^:orp,

15

po pyx rporrroBnx xorurie ( DflMrrM uelororr)

Page 16: AOAATKOB OrO (CTPAXOBA KOMIIAHIfl ([ICK 3AXIA) · PDF fileocri liqmHocri ((finaucona sBiTHlcrb cKnaAaerbc e, Ha ocHosi rtyrleHHs, Iqo ni4npr,reMcrBo e 6e:nepepsHo Airo.{uM Ta 3anr{[raerr,c.{

12. Vn BJIIHHq KA

:a6e:np14HKy,

cyKy[H4Mr{ aKThBaMr4

:o6os'.s

cTaHoM I{a Aary xoAy Ha MCO3 - 1 ciqus 2012 porcy, Ha rrorraroK gsirHoro nepio4y 01

CIIIH' 16 p.,31 rpyAH.r 2016 pory. llporrroM geirHoro nepiogy Tonapucrno uesrvriurond4o cnifi nip(ia 4o ynpanniHHs ranirarorvr.

npuuirxax]ao Sinancoeoi gstruocti sa 2016 pir y ni4noei4Hocri Ao <3eiry rrpof onapucrnoM po3Kpr{Baerbcr HacryrrHy iu$opuaqiro :

2015 p.

11 000,076,2

3658,527415,542150,2

2016 p.

l1 000,076,23658,5)74?1 4

42168,1

a BVMofylrc.

poT_rrfoM 16 porygrilno oro ucy. Ha3 OIIJ] npaul yTHl., HaTI ol rosaHocriHeMae.

y npzrnnirrax Ao $iHanconoi ssirHocri ua4aenro HacryrHy

npaqinnuxau TonapzcrBa Br.rnnar{yBaracb :apo6irna rrJrara

noqaroK 2016 pory noro.{ui go6oB'qgaHHs 3a po3paxyHraMr,r

3L12.20I6 pory so6oB'A3aHHs. 3 onrrarr4 npaqi ri4cyrni.ig sunrarv :apo6irnoi rrJrarv craHoM Ha 31.12.2016 poxv

C.O, Eypnr

O.I. Matccnnaosa

t"r eHepanbrlkrlr I.Ll

xy cra6imnoro pinHn ranirany 3 Meroro

, nracHvKin nonicie ra iurnux yracHrzrinpo3Bt'trKy rocno4apcrroi A|smHocri y

., TonapucrBo Mae Ha rueti:lTaJry, .flKl BCTaHoBnrOe peryrlflTop pr4HKy

c"roe csoro Ai.gnrrti"tul -' J'-'-- - F r------r

oBxyBarr.r 6e:nepepnuy airnrHicrb, rrroe3nerryBarz AoxoALr Arq aKrlioHepie ra

xory AJrrr axqionepin, Bz3Halralo.{fi rliHzv.

apI4crBo [IoBrrHHe BnKoHyBarz BrzMofr4 rrloAo rrJrarocnpolroxtHocri crpaxoBr4xsKi e uufrHranaz n vrpaini, Tonapncrno npoBoAr.rrr ueo6xiAHe recryBaHHr 3

foroeuIafi 61xra.lrrep

I6