UIC- REINSURANCE. United Insurance Company. Established in 1990

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1 UIC REINSURANCE MISSION «Facilitate development of the insurance culture so that the business life of the society would become more effective and the society itself would be stable and prosperous» United Insurance Company Established in 1990

2 UIC-REINSURANCE Samara St. Petersburg Nizhny Novgorod Moscow Kazan innovations United Insurance Company CJSC is an innovative federal insurance company with a head office in Samara and a large branch network experience UIC is a combination of top-notch specialists and cutting-edge technologies in the insurance and reinsurance spheres Petrozavodsk Ekaterinburg Togliatti Ufa scope By uniting experience and energy of the regional branches UIC has created conditions for high quality insurance on the whole territory of Russia

3 world protection Russia Ecuador Libya Turkey Jordan Palestine Moldavia Azerbaijan Lebanon United Arab Emirates Qatar Cambodia Philippines Indonesia South Korea 2014 reinsurance territory of UIC

4 VERY high degree of RElIAbIlIty in 2014 the «Expert RA» rating agency increased the rating of UIC from "A" to "A+" level («Very high degree of reliability»). Class A+ in the rating hierarchy means that with high probability the company ensures timely fulfillment of all financial obligations, both current and those appearing in the course of the activity. UIC - is a reliable partner as it ALWAYS performs the undertaken obligations

5 UIC in ASKO holding Together with several insurance companies UIC enters the ASKO insurance holding Strakhovye Tekhnologii Management company SSMC Samara Insurance Medical Centre VOLGOPROM- LEASING leasing company TheMC Management company of the ASKO insurance holding United Insurance Company Established in 1990 The Universal Insurance Company Established in 1991 Medical insurance company EXPERT- SERVICE Assessment and consulting company Holding s resources enable UIC to Optimize financial stability Cooperate with the largest financial and industrial groups and banks Provide full and reliable servicing of partners 3 billion rubles Exceed insurance assets of the ASKO holding

6 financial stability 2013 Performance Indicators of UIC CJSC ASSETS mrub EQUITY CAPITAl 728 mrub CHARTER CAPITAl 622 mrub INSURANCE PREMIUMS mrub INSURANCE LOSSES mrub

7 licenses UIC is entitled to provide ALL statute-permitted insurance and reinsurance types License for voluntary and obligatory insurance (No. С dated ) License for reinsurance (No. P dated )

8 reinsurance At UIC objective Andrey Razdyakonov, president of UIC: We are for the eternal principles. It s worth taking care of the things that are of interest to people now and will be of interest for many years later. The recipe for success of UIC is concern for true values, professional team, honest and sincere relations with customers. Ensuring reliability of insurance and expansion of its possibilities, provision of our service consumers with high-quality, competitive reinsurance protection. Ensuring maximum financial efficiency and stability of our customers companies.

9 SERVICES Obligatory and facultative reinsurance Premium under obligatory contracts 51% Premium under facultative contracts 49% Correspondence of obligatory and facultative reinsurance at UIC UIC provides reinsurance protection under inwards obligatory reinsurance contracts: Liability insurance Automobile insurance Cargo insurance Aviation and space risk insurance Property and technical risk insurance Vessel insurance Accident insurance Reinsurance coverage Baku (Azerbaijan), Chisinau (Moldavia), Jordan, Palestine, United Arab Emirates, South Korea, Philippines

10 partners Obligatory reinsurance protection The risks of UIC CJSC are reinsured at Hannover Re, one of the largest reinsurance companies of the world AA S&P, A A.H.Best Agreement: Period obligatory excess of loss reinsurance 12 months Business class: property of individuals and legal entities including breakdowns of machines and mechanisms and loss from business interruption; construction and assembly risks including construction equipment and machines, third party liability and guarantee maintenance period insurance. Agreement limit: $5,000,000

11 reinsurance partners Reinsurance partners of UIC CJSC Gefest Ingosstrakh TIT Russian Insurance Centre Megaruss-D Pomosch Pari Yakor etc. 110 аs of today UIC has got 110 reinsurance partners

12 reinsurance RESULTS 2013 Inwards Reinsurance Results PREMIUMS LOSSES mrub mrub in mrub mrub in 2012 LOSS RAТIO 63% (77%)

13 reinsurance PREMIUMS 2013 Inwards Reinsurance Portfolio Structure of UIC CJSC Automobile transport 49% Property and construction and assembly risks 29% Liability 9% Aviation and space risks 7,5% Accidents 2% Cargo 2% Vessels 1,5%

14 UIC-REINSURANCE Examples of large payments 3.23 mrub Rosles Re Space vehicle wreckage 4.66 mrub Insurance company ASKO-Centre Pouring of a dwelling-house 3.73 mrub NASKO insurance company Cargo damage 2.4 mrub Arteks insurance company Fire on the plant manufacturing food products Quick decision making on payments! 10 mrub Malakut Constellation insurance broker Space vehicle wreckage (FOBOS-Grunt) 1 mrub ASTRO-Volga insurance company Fire in a trading centre EUR SOGAZ insurance company Damage of railway tracks 2.24 mrub SOGAZ insurance company Damage of a gas turbine 1.9 mrub IngoNord insurance company Fire in a night club 1.7 mrub GEFEST insurance company Damage at construction and assembly works UIC CJSC paid more than 1 billion rubles to the customers under the inwards reinsurance agreements in

15 standards Why customers choose UIC Customer s interests are the primary concern for UIC. We have implemented such customer relations management system, which enables implementation of an individual approach, attention and respect towards each customer. Conservative financial policy, development stability and consistency. Innovative management. Constant service quality improving. Development of new forms of mutually beneficial long-term cooperation with partners within the framework of the current legal environment. Advanced corporate culture, professionalism of employees. The charter capital of UIC is 622 mrub

16 WHY UIC In 2012 UIC CJSC received a certificate of compliance of the quality management system with the Russian government standards R ISO (No. РОСС RU ЧЖОО / ЕС.С.О dated ). The certificate confirms that the quality management system of UIC complies with the Russian government standards R ISO in part of insurance and reinsurance, the company s business processes are in line with the international standards. Values of UIC: Reliability Honesty Attention Transparency Trust Professionalism Innovations Creativity UIC guarantees high quality as it works in accordance with the international standards!

17 United Insurance Company Laureate of the «Golden Salamander», Russian public prize in the sphere of insurance, following the results of 2010 in the category of «Head of Insurance Company 2010» Nominee of the «Golden Salamander» prize following the results of 2010 Winner of the «Golden Salamander» prize in the category of «Inter-Regional Market Leader» following the results of 2004 Certificate of honour from the All-Russian Insurers Union for active participation in the development and improvement of the Russian insurance market Winner of the «Most Public », Samara public trust prize in the category of «Insurance Company» Laureate of the «Silver Umbrella», Volga national prize in the sphere of insurance, following the results of 2010 in the category of «Best Regional Company» Laureate of the regional stage of the All-Russian competition «Brand of the Year» in 2003

18 United Insurance Company UIC-Reinsurance Department Samara Office 410, bld 1, 23 Lesnaya str., Samara, Tel.: +7 (846) , Management Board in Moscow 32a Khoroshevskoe shosse, Moscow, Tel.: +7 (495)

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