REINSURANCEat OSK

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»

Obyedinennaya Strakhovaya Kompaniya Established in 1990

REINSURANCEat OSK

Samara

Ufa

St. Pe-terSbUrg NizhNy

Novgorod

KazaN

moScow

Petroza-vodSK

togliatti

eKater-iNbUrg

By uniting experience and energy of the regional branches OSK has created conditions for high quality insurance on the whole territory of Russia

scopeOSK is a combination of top-notch specialists and cutting-edge technologies in the insurance and reinsurance spheres

ExpERIENCE

Obyedinennaya Strakhovaya Kompaniya CJSC is an innovative federal insurance company with a head office in Samara and a large branch network

INNOvAtIONS

wORld pROtECtIONE

reinsurance territory of OSK

2013

ecUador

SoUth Korea

iNdoNeSia

cambodia

rUSSia

PhiliPPiNeS

azerbaijaN

jordaNPaleStiNe

moldavia

UNited arab emirateS

Qatar

tUrKeylebaNoN

libya

iN 2013 the «Expert RA» rating agency has confirmed the earlier attributed reliability rating of OSK CJSC on the A level («High degree of reliability»).

hIgh dEgREE Of RElIAbIlIty

OSK - is a reliable partner as it ALWAYS performs the undertaken obligations

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.

Holding’s resources enable OSK to Optimize financial stability

Cooperate with the largest financial and industrial groups and banks

Provide full and reliable servicing of partners

OSK IN ASKO hOldINg

Exceed insurance assets of the ASKO holding3 billion rubles

Together with several insurance companies OSK enters the ASKO insurance holding

Assessment And consulting compAny

EXPERT- SERVICE

life insurAnce compAny

EXPERT

sAmArA insurAnce medicAl centre

SSMC

leAsing compAny

VOLGOPROM-LEASING

the universAl insurAnce compAny

mAnAgement compAny

STRAkhOVyE TEkhNOLOGII

medicAl insurAnce compAny

established in 1991

TheMCManagement company of the ASKO insurance holding

Obyedinennaya Strakhovaya Kompaniya Established in 1990

Performance indicators of OSK CJSC for 2012

fINANCIAl StAbIlIty

ASSETS 1 754 671 kRUB

INSURANCE PREMIUMS 1 844 557 kRUB

EQUITY CAPITAL 647 070 kRUB

CHARTER CAPITAL 561 070 kRUB

License for reinsurance (No. П 2346 63 dated 02.07.2010)

lICENSES

License for voluntary and obligatory insurance (No. С 2346 63 dated 28.07.2009)

OSK is entitled to provide ALL statute-permitted insurance and reinsurance types

objective

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.

REINSURANCEat OSK

Andrey Razdyakonov, president of OSK:

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 OSK is concern for true values, professional team, honest and sincere relations with customers.

Natalia Lisina, vice-president of OSK:

We always stay true to our traditions: efficiency and individual approach to each customer, inadmissibility of operations contradicting the legislation and ethic norms, meticulous fulfillment of obligations before partners and confidentiality.

Premium under obligatory agreements

52%

Premium under facultative agreements

48%

SERVICES

Liability insuranceAutomobile insuranceCargo insuranceAviation and space risk insuranceProperty and technical risk insuranceVessel insuranceAccident insurance

OSK provides reinsurance protection under inwards obligatory reinsurance agreements:

Reinsurance coverageBaku (Azerbaijan), Chisinau (Moldavia), Jordan, Palestine, United

Arab Emirates, South Korea, Philippines

Correspondence of obligatory and facultative reinsurance at OSK

Obligatory and facultative reinsurance

pARtNERS

The risks of OSK CJSC are reinsured at Hannover Re, one of the largest reinsurance companies of the world

Agreement: obligatory excess of loss reinsurance

Period 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

AA S&P, A A.H.Best

Obligatory reinsurance protection

GefestIngosstrakhTITRussky Strakhovoy CentreMegaruss-DZHIVA (Pomosch)PariYakoretc.

REINSURANCE

pARtNERS

Reinsurance partners of OSK CJSC

110аs of today OSK has got 110 reinsurance partners

REINSURANCE

pREMIUMSInwards reinsurance portfolio structure of OSK CJSC in 1S 2013

AUTOMOBILE TRANSPORT

50%

ACCIDENTS

2%VESSELS

1,4%CARGO

2%

PROPERTY AND CONSTRUCTION AND ASSEMBLY RISKS 29%

AVIATION AND SPACE RISKS 7,4%

LIABILITY 9%

Quick decision making on payments!

REINSURANCEat OSKExamples of large payments

OSK CJSC paid more than 1 billion rubles to the customers under the inwards reinsurance agreements in 2003-2012

4,66 MRUB Insurance company ASKO-CentrePouring of a dwelling-house

3,3 MRUB NASKO insurance company Cargo damage

2,4 MRUBArteks insurance companyFire on the plant manufacturing food products

10 000 MRUB Malakut (Satellite)Space vehicle wreckage(FOBOS-Grunt)

1 MRUB. ASTRO-Volga insurance companyFire in a trading centre

90 000 EUR SOGAZ insurance companyDamage of railway tracks

2,24 MRUBSOGAZ insurance companyDamage of a gas turbine

1,5 MRUBKompanyon insurance companyCarrier liability

1,9 MRUB IngoNord insurance companyFire in a night club

1,7 MRUB GEFEST insurance companyDamage at construction and assembly works

2003

2004

2008

200820122013

2012

2012

2010

2009

Customer’s interests are the primary concern for OSK. 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.

StANdARdS

Why customers choose OSK

The charter capital of OSK is 561 MRUB

why OSK

In 2012 OSK CJSC received a certificate of compliance of the quality management system with the Russian government standards R ISO 9001-2008 (No. РОСС RU.3609.04ЧЖОО / ЕС.С.О.02.01.000747-12 dated 01.02.12). The certificate confirms that the quality management system of OSK complies with the Russian government standards R ISO 9001-2008 in part of insurance and reinsurance, the company’s business processes are in line with the international standards.

OSK guarantees high quality as it works in accordance with the international standards!

Values of OSK:

ReliabilityHonestyAttentionTransparencyTrustProfessionalismInnovationsCreativity

ObyEdINENNAyA StRAKhOvAyA KOMpANIyA

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 - 2008», 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

SamaraOffice 410, block 1, 23 Lesnaya str., Samara, 443110Tel.: (846) 277-91-75, 277-91-76

Management Board in Moscow32a Khoroshevskoe shosse, Moscow, 23007Tel.: (495) 981-29-77

OSK-REINSURANCEDepartment

ObyEdINENNAyA StRAKhOvAyA KOMpANIyA