6
OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux pusurcin ra pe3yJrbTaTlB rrpoBeAeHoro cTpec-TecTyBaHHq l. Bi1o6paxeHHs BnJrr.rBy crpecia Ha tfiHancosufi c'raH crpaxoBlrKa craHoM sa 31.12.201 9 poxy. ABHAi 3BHAi I 3rr,reuueHns ua30oh pnurosoi nap, oc'ri axqifi, sri nepe6ynarcro y aicruury Ha Sonaosii 6ipxi, uto sxlrcqeHi Ao cKJraAy arrusis 6araHcy 3 0,00% 2 3ueuruesux aa40oh puHxoroi naprocri aruifi, qxi He nepe6ysarors y ricruury, uro srrloqeHi Ao cKJraAy ax'rusis 6a,raHcy 28 381 5,370/o J 3HaxeHHq ua l0o/o uiH Ha o6niraqii nianpHevcrB, Luo exlrcueui 4o cKJraAy ax, r.rsis 6anancy 0 0,00% 4 IiAsraqeHH, o6ruinnoro rypcy inoterrlHr.rx Btlrrror sianocHo rpuaui Ha 25Y, ,O 38 0,07% 5 3HnxeHHs o6lrisuono xypcy iHo:enHHx Bar.rlor eiaHocuo rpuaui ua 25o/o -38 -0,0L% 6 3Huxexns pHHKoBHx uiH Ha Hepyxouicrs sa25o/o t2 o,00% 7 36insruesns garaalHoi cyM14 BxnJrar sa o6og'RgrcosHM crpaxyBaHHsM uuailuHo-npaeosoi siAnosiaa,'ruHocri sracHHxi s Ha3eM Hr4x rpaHcnoprHux saco6is crpaxyBaHH, ya30oh (Alr crpaxoauxie, u1o r4iftcHrorcrr raxe crpaxysaHHs) 8 9s9 2,07% 8 36inrrueHHq garalruoi cyMlr Baflnar 3a MeAr.rrrHHM crpaxyBaHHrM (6esnepepnHuM crpaxyBaHHr rra :Aopos' a) ua 40%o (,u.rra crpaxoauxi e, ulo sAifi cHrororb raxe crpaxyoanur) 122 0,03% 9 36ilsruenr-rs Blrrpar, nos's3aHr.{x : o6cnynoeynauHrtr 4oroeopia MeAur{Horo crpaxyBaHHfl (6e:nepepenoro crpaxyBaHHn rAopoe'a), Ha 10o/o (run crpaxoeuxin, ulo sAificHrororb raKe crpaxyeaun.a) 0 0,00% l0 36inrrueHuq pianr claeprnocri Als xoxsoi eixosoi rpynu ua l5o/o (anr crpaxonuria, u1o sAificHlorcT s crpaxyBaHH, Ntzmr) 0 0,000/o lt 3nenureuHs pianr qurep'rHocri Arfl roxuoi eixosoi rpynu Ha 20o/o (l,na crpaxosu ri s, rqo 3Ai fi cHlolorb crpaxyBa H Hr xu'r.rr) 0 0,00% t2 36irsruennr pi nun ru rt,r vaconoi erparrr npaue3AarHocri, i ueariaHocri, orpHMaHHs rpaBMarartHHx yruKoA)KeHb, $yHxuiouaarHux poua4ie 3AopoB'q ua35Yo y neprunfi pix 4iiAoroeopia c'rpaxyaauHr ra s6irsueHnr pi eur ruru uacoeoi erparlr npaqe3AarHoc'ri, i H san iAHoc.ri, orplrMaHHfl rpaBMarr4rrHHx yrrrKoAxeHb, $yHxuioHanruux porlaAin 3AopoB'fl ua25o/o nporrroM HacryrrHt,Ix poxis Aii Aor-onopia crpaxyBaHH, (Anx crpaxoelrxia, uqo gAificHroloru crpaxyBaHHr xHTTI) 0,00% 0

OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

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Page 1: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

OOPMAAJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux pusurcin ra

pe3yJrbTaTlB rrpoBeAeHoro cTpec-TecTyBaHHql. Bi1o6paxeHHs BnJrr.rBy crpecia Ha tfiHancosufi c'raH crpaxoBlrKacraHoM sa 31.12.201 9 poxy.

ABHAi 3BHAi

I

3rr,reuueHns ua30oh pnurosoi nap, oc'ri axqifi, sri nepe6ynarcro yaicruury Ha Sonaosii 6ipxi, uto sxlrcqeHi Ao cKJraAy arrusis6araHcy

3 0,00%

23ueuruesux aa40oh puHxoroi naprocri aruifi, qxi He nepe6ysarors yricruury, uro srrloqeHi Ao cKJraAy ax'rusis 6a,raHcy

28 381 5,370/o

J3HaxeHHq ua l0o/o uiH Ha o6niraqii nianpHevcrB, Luo exlrcueui 4ocKJraAy ax, r.rsis 6anancy 0 0,00%

4IiAsraqeHH, o6ruinnoro rypcy inoterrlHr.rx Btlrrror sianocHo rpuaui Ha25Y, ,O

38 0,07%

53HnxeHHs o6lrisuono xypcy iHo:enHHx Bar.rlor eiaHocuo rpuaui ua25o/o

-38 -0,0L%

6 3Huxexns pHHKoBHx uiH Ha Hepyxouicrs sa25o/o t2 o,00%

7

36insruesns garaalHoi cyM14 BxnJrar sa o6og'RgrcosHM crpaxyBaHHsMuuailuHo-npaeosoi siAnosiaa,'ruHocri sracHHxi s Ha3eM Hr4x

rpaHcnoprHux saco6is crpaxyBaHH, ya30oh (Alr crpaxoauxie, u1o

r4iftcHrorcrr raxe crpaxysaHHs)

8 9s9 2,07%

8

36inrrueHHq garalruoi cyMlr Baflnar 3a MeAr.rrrHHM crpaxyBaHHrM(6esnepepnHuM crpaxyBaHHr rra :Aopos' a) ua 40%o (,u.rra crpaxoauxi e,

ulo sAifi cHrororb raxe crpaxyoanur)122 0,03%

9

36ilsruenr-rs Blrrpar, nos's3aHr.{x : o6cnynoeynauHrtr 4oroeopiaMeAur{Horo crpaxyBaHHfl (6e:nepepenoro crpaxyBaHHn rAopoe'a), Ha

10o/o (run crpaxoeuxin, ulo sAificHrororb raKe crpaxyeaun.a)0 0,00%

l0 36inrrueHuq pianr claeprnocri Als xoxsoi eixosoi rpynu ua l5o/o(anr crpaxonuria, u1o sAificHlorcT s crpaxyBaHH, Ntzmr) 0 0,000/o

lt 3nenureuHs pianr qurep'rHocri Arfl roxuoi eixosoi rpynu Ha 20o/o (l,nacrpaxosu ri s, rqo 3Ai fi cHlolorb crpaxyBa H Hr xu'r.rr) 0 0,00%

t2

36irsruennr pi nun ru rt,r vaconoi erparrr npaue3AarHocri, i ueariaHocri,orpHMaHHs rpaBMarartHHx yruKoA)KeHb, $yHxuiouaarHux poua4ie3AopoB'q ua35Yo y neprunfi pix 4iiAoroeopia c'rpaxyaauHr ras6irsueHnr pi eur ruru uacoeoi erparlr npaqe3AarHoc'ri, i H san iAHoc.ri,orplrMaHHfl rpaBMarr4rrHHx yrrrKoAxeHb, $yHxuioHanruux porlaAin3AopoB'fl ua25o/o nporrroM HacryrrHt,Ix poxis Aii Aor-onopiacrpaxyBaHH, (Anx crpaxoelrxia, uqo gAificHroloru crpaxyBaHHr xHTTI)

0,00%0

Page 2: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

pi3HI,Iq, Mix Benu.{r,rHoro Herro-aKTr.rBiB siAnosiAHo Ao eeirHrax AaHr4x crpaxoBr.rKa raBer[qLIHoIo Herro-aKTI.IBin, oqiuenux sriguo 3 rrpunyqeHHqM, rqo on]rcye i-ry crpecory

Ae MHA| -no4iro, y rpH, ulo Br,r3Haqaerbc.rr 3a $oprraynoro

LBHA| - BnAs- BHAIL

BHA3 -3araJlbHa BeJIHqITHa nerro-arcrusie silnosiAHo Ao geirHrax AaHHx cTpaxoBr,rKa y rpH;

BeJII{qI4Ha Herto-aKTr.rBir, oqiueunx sriAHo 3 npranyrrleHHqM, [Io onucye i-ry crpeconyBrq

no4iro, y rpH ( i = l'n,

n - xirsxicrb crpecoB,x no4ifi, n=12);gMiHa eeruql,tHH Herro-axrnais y ni4corxax, ulo Bu3Haqaerbcq sa Sopr'aynoro

3BEtAi - 3BHA: - LBFtAi x1004BIA3

2. Peaynrrar npoBeAeHoro crpec-recryBaHHfl1. 3HuxenHq puurconoi oaprocri aruifi, qri He nepe6yrarors y licrnury Ha SoHAoBifi

6ipNi, Ha40oA, rpr4BeAe Ao 36irbrreHH, crpec BeflvlrvHyt Herro - ax'rnsie ua6,37%o,l1ocraHoBr,rrb 28 381 ruc. rpH.

2. 36inrurennq o6l,riHHoro Kypcy iuogennux Banlo?BiAHocHo rpraBHi sa25%o nprrBeAe Aos6iasuenur crpec-BeJrr4qt4tvt Herro-arTr4nis Ha 38 nac. rpu. i crlaAe 0,01oh, a

3MeHlreHHr - si4nori4no Ao 3MeHmeHH, Ha 38 ruc. rpn.3. 36inrurenru 3araJlbHoi cyrr,lu BI4nJrar 3a o6oe'lgrcoBLrM crpaxyBaHHflM uusimHo-

npanonoi siAnosiAarrsocri sracHurcis Ha3eMHrx rpaHcnoprHr4x gaco6is sa30o/onpl4BeAe Ao pocry crpec-BenHquHu Herro-arcr:ueie ua2,0lo/o, rrlo craHoBHrs 8 959 ruc.rpH.

4. 36inrnrenH, 3arairbHoi cyrrar,r BlrrrJrar 3a MeAuqHr,IM crpaxyBaHHrM Ha 40Yo npuwge gos6imueHHq crpec-Benwrt:e^t4. Herro-aKTnsis Ha 0,03oA, u,o craHoBr,rtt 122 Tr,rc. rpH.

3. 3axolr.r qoAo 3MeH[reHH, BrrnuBy pusurcia

Kounasis npoBoAr4rb norituxy 4raeepcra$iraqii nopr$emo arrueii 3 Meroo 3HrrxeHHflpnauxin na4rraipuoi KoHueHTparlii axrprsis. flocrifiHufi rvtoHiropr.rHr Baprocri qiHnrax nanepin npaMKax noli'ruxu ynpaeriuur aKTilBaMH cyrreBo 3HHlKye ilvroripuicrb HacraHH, TaKr4x

pra3HKrB.

KepirHr.t<

Page 3: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

.Qo4aro x. fl pr nn irxu Ao n po BeAe Horo crpec-TecryBa H Hfl

Axqii uqo sxarc.{eHi 4o 6aaaHcy ra nepe6yaaoru y nicrnHry na seirny Aary, HacrynHi (e rrc. rpH.):

1.1.

Axqii, qo sx.noqeHi 4o 6arancy ra He nepe6yBalorb y aicrrHry ua aeirHy Aary, Hacrynni (e rrc. rpn.):

12 5002Cln

768

32 100

12 500

773

ovJ294

O6nirar-1ii, ulo BKnoqeHi 4o 6anaucy, eigcyrHi

IIAT FafiddafiseH SaHx "ABMb"

1. Crpec-cqenapifi 1

flpAT AeroKpaa

i','#I#-', : .,"'fl"rl.)1r1trrlg;

3. Crpec-cqenapifi 3

Page 4: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

la xareropifi axtreie, oapricrs sKr4x Moxe 3a3HarH Bnnnly vepes annixy o6miHHoro Hypcy,

3araluHa eapricru HepyxoMoro nnailxa, ulo BKnloqeHa 4o 6alaucy, HacrynHa:

6. 1. o r.1in xa aAeKBarHocri so6oe'R3a H b: 3ara.nbHa MeroAonorin ni4xo4y

TecryaaHnn 4ocraruocri pesepeio He:apo6,nenr,rx npennifi nonflrae y cniacraereuHi cQopnnoaaHrxo6cnria peaepoie uesapo6aeurax npervrifi ra nnafi6yrHix Bt4rparra 4oxo4ie KomnaHii, qo noa,naaui a

perynoBaHHRM crpaxoBhx arna4xie, qo ei46ygyrucn nicln seirHoi Aart4 3a AoroBopaMu , ulo 6ynutrnHHHM14 Ha aeirHy 4ary:

. Bhrpar xa crpaxoai Brnnarvl

. Bhrpar Ha BperynoBaxHn E6rrxie

. B[rpar Ha agmiHicrpyBaHHfl, e r.v. $iHaxcoBr4x BhAarKia ra 4oxo4ioo 4oxo4ie ei4 peaniaaqii perpecxrax BilMor

Oqiuxa nnafi6yrHix crpaxoBr4x Bvlnnar 6a:yerucn Ha nporHo3ysaHHi e6ilrxoeocri Ko^ naHii sa

AoroBopaMil, u_1o 4itoru na sairHy 4ary.

Y arna4xy, nHqo cepeAHiil pieenu Biln.nar Komnasii cyrr€Bo uux,tuil 3a p[HKoBe 3HaqeHHfl, s sxocricepeAHboro ovixyaaHoro piaHn nprilnnaerbcfl po3paxyHKoea s6tarxoeicrb 3a aHa,noriqHilA^ KnacoM A.flRpr4HKy crpaxyBaHHfl Yxpaiur ga auaroriqHrafi nepio4 (4aHi na4aHiroB (Atl <Eox.rri4>).

B xoxHoruy oKpeMoMy crpec cqeHapifi (s nn. 7-9) ouixyaaurafi pieenu Bhn.flar Kopilryerbcg 3

ypaxy8aHHflM nphnyu{eHu cqeuapio (Hanp., 3pocraHHn pieHo ernlat ua 30% B crpec-cqeHapii No7).

i"sj*'l"r** l lxis$*r$slss

17

137

t54

6aHxiacsui axna.qu {genorurr} a iHoseturxifi eantori

Crpec-cqeHapim

#it:*{,ilt#Hl;

48

48

Page 5: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

Mafi6yrHi Btnnaru orphMytorbcn nx 4o6yroK nporHo3oBaHoi s6hrxosocri ra neaapo6neHr,rx npemifi(rvript excnoar,rr-1iT prasnxy), ro6ro oqiHxr,r qacrox crpaxoBr4x nnarexie 3a AoroBopaMta, u-lo gianu aa aairxy

Aary y ei4HoueHxi Ao crpoxy ixnuoi giil u{o 3anlwvBcl nicnn xei.

Heaapo6aeni npervrii (excnoarqin prasraxy) cniena4aoru a <Hailxpaulolo)) e repnninax MCO3 or-lixxoro

neaapo6aenux npervrifi Ha aairHy 4ary.

Oqinxa rvrail6yrnix Bhrpar xa a4miHicrpyBaHHn 6asyerucn Ha Qaxrrvnrx AaHrx npo piaenu BrrparKomnanil sa ocraHHifi nepio4 y BanoBilx aapo6aeHrx crpaxoBr4x nperuinx ra oqinqi excnosrqii pt43r4!ry.

[1pr quomy, BBaxa€rbcfi, qo a4nniHicrparrani Brrparh r{acrKoBo ei4nocnrucn Ao cynpoBoA}xeHHn

icnyourx 4oroaopie.

BiAnoei4Ho 4o MCO3, y BrnaAxy, nxqo oqinxa rvrafi6yrrrix Br4rpar nepeBuqye cSoprvroaaxi peseper,r

nesapo6aeHux nperrniil, Heo6xi4He c$opnnysaHHf, AoAarKoBoro pil3t4Ky, 3a paxyHot{, HanpIKnaA,

s6iauuJeHxn peaepeie xesapo6aeHrax npenniil Ha BrRB.neHilfi 4eQiqrr. flxqo recr4ae nosrrnaHrfipe3y.nbrar, ro L{e 03Haqae aAeKBarHicru cQopnnoBaHrx pe3epeie crpaxoarM Brn.flaraM.

Ilaparuerpn poapaxyHxis recry HaBeAeni a nacrynHHx nyHHrax.

6.2.Poapaxyxxoei napaMerpr ai crpec-cqeHapiro Ne 7

#

1

2

3

4

floxasnrx /Rnacprcuxy /CqenapiiPesepe 3aRB.neHrx, a,ne He Brn.naqeHtax a6rrxiePesepa s6rrxia, Rxi elrxrxau, a,ne He sangaexiPeaepar xeaapo6aexrx nperuifiBi4crpovexi a xaiera r.1ifi ni Br.lrparh

OC$-lB/CqeHapifi(7)

5 301,07 672,9

34 725,0

0,0

OCI-{l'18/Cr{eHapiil(7)

6 891,3

9 896,834725,00,0

7 Oqinxa s6rrxoeocri8 Ovixyaani srnnarr9 Pisexu Bt4rpar Ha BperynpBarxn (y s6rarxax)10 OvixyeaHi uai6yrHi Bhrparh Ha BperyntoBaHHs

11 Pieexu mail6yrxix Br{rpar xa s6yr72 OvixyaaHi uail6yrHi Bxrparh Ha s6yr13 Pieexu onepaqiixrx BrrparL4 OvixyeaHi ruafi6yrHi ixui onepaqifixi arrpau15 Ovixyeani AoxoAh16 a r.v. ai4 peaaiaaqii perpecHux BhMor

t7 a r.v. ai4 ixeecrrqifixoro AoxoAy18 Ouixyaaxaxorvr6ixoaaxaa6larxoaicru

82,9o/o

28781,94,Lyo

1 189,1

0,o0yo

0,0

2,4yo

847,7

0,0

0,0

0,0

88,7syo

L07,8%

37 416,44,Lyo

1 545,8

0,00%

0,0

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847,7

0,0

0,0

0,0

LL4,64%

Srvrixp,,ae oiaxr,r1aie la pa1ynox i'egocrdriocri pCsepaf e

xesapo6,neHrx npenniiSr$i ia Harro-ainr el s 3a paxyHox 3 pocra HHn peaepeie :6,rrxie

24725,4 34

30 818,6 39 809,9

zo :::Y:"J"t t"Gry a.qeKBarHocri peaepeia xeeapo6nerr"

3 906,4 -5 084,9

3 874,2

Page 6: OOPMA AJrfl HaAaHHq utolo KrrorroBux ra pe3yJrbTaTlB ...skcredo.com.ua/wp-content/uploads/2020/04/stres_testy_2019.pdf · OOPMA AJrfl HaAaHHq crpaxoBuKoM iuQopnaaqii utolo KrrorroBux

6.3.Poapaxyxxoai napaMerpu ai crpec-cLleHapiTa Ne 8 ra Ne9

1

2

3

4

floxaaHrax /Kaac puarxy / CqeHapifi

Pesepe 3aflB.neHrx, a/re He BhnraqeHrx s6tlrxia

Peaepa s6rrxia, axi annnxnu, a,ne He gaRaneHi

Peaepar neaapo6aeHrx npervrifi

Bi4crpovexi axaiauqiilHi Br4rparr

AMC

0,0

30s,7

0,0

0,0

AMC /Cqexapifi(8)

0,0

428,0

0,0

0,0

AMC /CqeHapift(e)

0,0

305,7

0,0

0,0

7

8

9

10

11

t213

t415

16

17

Oqixxa a6rrxoeocri

Ouixyaaxi Blnnarv

Pisexu Bxrpar Ha BperyrtoBaxxa (y a6rarxax)

Ovixyeaxi ruafi6yrui Bxrparu Ha Bpery.rlrcBaHHs

Piaexu rvrail6yrxix shrpar xa a6yr

Ovixyaaxi rvrafi6yrHi Bt4rparr Ha a6yr

Pieexu onepaqiilxux Bhrpar

Ovixyeani rvrafi6yrHi iHui onepaqiilHi enrparu

Ovixyeaui AoxoAr4

a r.u. ei4 peaaiaaqii perpecHhx Bt4Mor

e r.v. aig ixeecrrqifiHoro AoxoAy

a

22O,Lyo

0,0

o,5o/o

0,0

0,o0%

0,0

2,4yo

0,0

0,0

0,0

0,0

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0,0

0,syo

0,0

0,0o%

0,0

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0,0

0,0

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0,0

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o,syo

0,0

0,00%

0,0

2,7o/o

0,0

0,0

0,0

0,0

* nxqo recr aAexBarHocri He3apo6neHilx npeMifi Aae no3[ThBH14il pe3ynbrar, To qe o3Haqa€

aAeKBarHicrb coopMoBa H r4x pe3e pBiB crpaxoB14M Br n.fl araM

lHui crpec-cqeHapii He aKryarbHi ia ypaxyeaHHf,M cneqt40ixr 4inauHocri Komnaxii.

BinqnoeiAHo Ao 3BirH14x AaHt4x, craHoM Ha 31,.12.2019 Herro-axrnBH KoMnaHii craHoB.nflrb 445 561 ruc.

rpH.

5,.,. I gxq,nofhtii* 0,0 0,0 0,0

He3apo6/reHHx npennifi0r00,0

20 Peayaurar recry aAexBarHocri pesepBis H$apo6neHrx npervrifi 0,0 0,0 0,0

3Miil5*ito-arirrrii e sa paxyHbri HeAocrarHocri peaepsir

eaittiiiiLiLg,riiili xeiro-a*rraBie,ia paxyxox apocraxHi peaepaia i6Hiiis L22,3 0r0

23 3nnixa xerro-afiTlrBig L22,3 0r0

He rro-axrnB*r

lxrui crpec-cqen6pii