19
i: Ifeeaeunnt'htil argnyaputtil, ryflqffimtnfln. ; Ten: 8-916-81 1-8567 E-mail: [email protected] Cafir: www.actuary-al.ru ArryapHoe 3aKnxlqeHne no fiTora M o6ngarerr bHoro a Krya puoro oueH h BaHHf, EesrertbHocrr 3AO <<Ayll- crpaxoBaf, KoMnaH ne>> 3a 2014 rog *, [4cnonnrreflb: ,s A.fl. Ilenutlyr, K.T.H. Mocxsa 2015

Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

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Page 1: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

i:

Ifeeaeunnt'htil argnyaputtil, ryflqffimtnfln. ;

Ten: 8-916-81 1-8567 E-mail: [email protected] Cafir: www.actuary-al.ru

ArryapHoe 3aKnxlqeHneno fiTora M o6ngarerr bHoro a Krya puoro oueH h BaHHf,

EesrertbHocrr 3AO <<Ayll- crpaxoBaf, KoMnaH ne>>

3a 2014 rog

*,

[4cnonnrreflb:

,s

A.fl. Ilenutlyr, K.T.H.

Mocxsa 2015

Page 2: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

1. O6utre cBeAeHne

1.1. ArryapHoe oqeHuBaHhe npoBeAeHo no cocroeHrro ua 3t.L2.20L4.

1. 2. ArryapHoe 3a Kn roqeH ile cocra BneHo Zg.04.2OIS.

1.3. AxryapHoe 3aKnroqeHile cocraBneHo c qenbo npe4craBneHre pgyflbraroBaKryapHoro oqeHilBaHue AeerefibHocrm 3AO <Ahf crpaxoBae KoMnaHue>sa 2014 ro4.

2. CsegeHlaf, o6 oreercrBeHHoM a!(ryapn],l2.t. Ilenauyr AnercaHAp flueoerq.

2.2. PerucrpaLlt4oHHbrfi nouep N917 B eAnHoM peecrpe orBercrBeHHbtx aKTyapileB.

2.3. OraercreeHHufi arrryaprfi nCnOnHltTEIlb flBflflerce r{rreHoM

caMoperynmpyeuofi opraHh3allht4 aKryapileB: Accoquaqhc runb$vte aKTyapueB(ruecro

HaxoxAeHus L23O0t, r. Mocxea, Bcnonunufi nep, A. 3, o0. 1, rounara 9).

3. CsegeHre o6 opraHilsaqta]t3.1. 3arpuroe aKqhoHepHoe o6qecreo <<AJ4r crpaxoBae KoMnaHile>>

3.2. PerucrpaqroHnufi HoMep 3anrcr B eAhHoM rocyAapcrBeHHoM peecrpe

ry6rerroa crpaxoBoro Aefla: 3947.

3. 3. l4RenruSrxa quon n ul fi HoMep Hanoronnaren buil Ka (]4HH) : 77 LO54L63L.

3.4. Ocnoenofi rocygapcrBeHHbrfi perucrpaqronnulfi HoMep (OrPH): t0477g6329250

3.5. Mecro HaxoxAeHun: L253t5, Poccrn, r. Mocxea, fleHrnrpaAcrrfi npocneKr, A.

72, xopn.2.

3.6. CeeAexilc o nuL\eH3v1vl Ha npaso ocyqecTB nelnl AesrenbHocl4(er,r4 AecreflbHocn4, HoMep, 4ara aur4aur):

B 20t4 roay o6urecrBo ocyulecrBflflao crpaxoByro h nepecrpaxoBor{Hy}o AeerenbHocrb no

nilqercI4eu C NQ 3947 77 n n Nq 3947 or 25 4exa6pn Z0l2 rota ra C N9 3947 77 un Nq 3947 or 4 cenrr6pn Z0L4 roAa.

Page 3: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

7

4. CeegeHrs o6 axryapHoM oqeHl,tBannu

4.1. ArryapHoe oueHilBaHile npoBoAr,rflocb B coorBercrBr4yr c oeAeparbHblM

craHAaproM axryapnofi AesrenbHocn4: <<O6qre rpe6oeanrr K ocyt4ecrBneHilto

arryapnofi AeereflbHocfl4>>, craHAaprou MCOO IFRS 4, YraaanreM IIE pO or 19 nnaapr

2015 roaa N9 3535-y <<O AononHilrenbHbrx rpe6oaaHilnx K coAepxaHilio aKryapHoro

3a Kn oqeH ns, nopsAKy ero n pegcra Bn eHVfl tA ony6n r roBa H ilq >>.

4.2.11pu npoBeAeHuil aKryapHoro oueHilBaHhn r,rcnonb3oBarrhcb cneAyror4ue

AaHHbre:

. klcxoAnule AaHHbte Ane pacqera Pl-lHY: sapa6orannar npeMue B pa3p$e

aqann3upyeMblx rpynn; AaHHHe o crpaxoBblx Bblnflarax h 3agBJreHHbrX y6uffiax.

fiaHnule o pacxoAax Ha yperynilpoBaHhe y6urxoa: nphBe3aHHbre K KoHKpeTHoMy

y6urry (annorrpoeaHnue), npqMbre (noapagae neuult, 3aHhMaloulr4xce

yperynupoBaHreM y6urroe) h KocBeHHbte;

. l4H0oPMaql4e Mn pacqera PHI-I: AaHHbre o crpaxoBbrx vt nepecrpaxoBol{Hblx

BHOCaX h KOM]4CC]4OHHOM BO3HarpaxAeHW;

o flannule o pacxoAax Ha aAMrHr4crpr4poBaHt4e AoroBopoB crpaxoBaHVfl;

o ,{annue o6 alruBax KoMnaHuil.

4.3.IIpn npoBeAeHru pa6orut npeAnonararocb, r{ro Bce 3anpoueHHue AoKyMeHTbt t,t

nonyqeHHan Nnsopt'lallve KoppeKTHbt, B TOM q]4cfle .4aHHble B SfleKTpOHHOM erAe. BCe

npeAofiaB.neHHHe KOnilil AOKyMeHTOB COOTBeTCTByIOT CBO14M OpilrhHaflaM. 3aAaqeil

orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U

AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

npoBepKe AaHHblx Ha nonHory, KoppeKTHOCTb 1,1 Henporl,lBopeqilBocrb, orBercrBeHHocrb

3a AOCTOBepHOCTb AOKyMeHTOB U AaHHbrX, npeaocTaBfleHHblx HaM KOt'4nanwefi, norrHocTblo

nexrr Ha Kol{naHhh.

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t AocToBepHocTl4 AaHHblx, ilcnonb3oBaHHblx npil npoBeAeHI4N

t O6teuu Hal{hcfleHHbtx crpaxoBbtx 14 nepecrpaxoBoltHbx npeurafi u xoytnccufi

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OA3 caepenu c QnxaHcoeofi orqerHocrbto;

o BunnaTbl no nnilvtet 6ilsHeca conocTaBneHbt c AaHHbtMt4 pacqera pnHy.

Page 4: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

Arryapru KoMnaHrN, npoBoAyr.BuJr4e pacqer pBepBoB no MCOO, noryr{l4flil AaHHbte .qo

oKoHqarerluHofi roppeKTilpoBKl4 14 BbrBepKil B coorBercrBtAu c MCOO. Iloorouy:

. csopul,lpoBaHHbrfi a MCOO orqerHocru PHI-I npilMepHo na 100/o Bbtue roro, Anfl

Koroporo npoBoAilncs aHaflh3 aAeKBarHocnt. OrsercreeHHbrM arryapreu 6um

npoBeaeH aHanh3 aAeKBarHocla PHfi no oKoHqareflbHbtM AaHHbtM (cu. nraxe);

o l4uena Mecro KoppeKr4poBKa sapa6orannofi npeMiln; pa3Mep KoppeKn4poBKN

HeMaTepuaneH - noprrAKa oAHoro npoqeHra;

o PaguepH BHnnar r 3aeBneHHbrx HeyperyflhpoBaHnurx y6urKoB He usuennnucul;

. flpu pacqere PnHy ne 6utnr yqreHu nocn/nneHtA+ no cy6poraqru il perpeccaM,

uMeBUhe Mecro B 20L4 roAy. flocronuxy, e coorBercrBt4t4 c MeroAonorrefi

KOMnaHril, AaHHble nocrynneHilff Bbrr{r4TatoTcg v1 cTpaxoBbtx BHnflaT, 3To He

Morno npuBecrrl K 3aHilxeHmrc Pl-lHY.

C roqKt4 3peHilc AaHHbrx cneqr,rQrra KoMnaHilil 3aKnpqaercq B ToM, qro AnA

poccuficrcofi crpaxosofi rounanuu AWf ocHoeHofi uaccr$rraquefi no ,lt4Ht4era 6ileHeca

gBnfltorce yqerHbte rpynnu, OAnaro pacnonoxeHHHe 3a py6exou aKryaprr rpynnbt

BeAyr pacqer p$epBoB y6urxoe B qenex MCOO no rHofi rnaccNSuKallilr4 (ou. nraxe).

llocxonury a $rxancoBylc orqerHocrb BKnloqalorcn TonbKo cyMMapHbte BenilqilHbl,

Ilpu no4roToBKe AaHHbrx Ane aKryapHoro 3aKfloqeHhfl B pa3pe3e hcnoa*yeMbtx Anrpacqera p$epBoB nuauil 6hsHeca BosHilKaor onpeAeneHHbte cnoxHocl4, npuBe4luue K

HecyqecrBeHHbtM Ane qenefi AaHHofi pa6orur - Aonv npoqeHTa - ornw4veM AaHHbtx ornoKa3aHHbtx B orqerHocn4 no MCOO BeflhqilH.

4.4. KoMnaHuc 3aHilMaerce o6ulru crpaxoBaHileM. B qeflex pacqera p$epBoB

6ugHec KoMnaHnt4 pa3AeneH Ha BoceMb nunnil 6rsneca, na 6age Koropbtx npoBegeH

pacqer $arropoe pa3Bv1Tvtfl. Pr4 rpynn pa3AeneH Ha noArpynnbl, no Kax4ofi il3 Koropbtx

npoBeAeH pacqer PflHY.

' oopuanuxo e MCoo B BHnrIarH BKnrcqeHH HeKoropHe taHHe pacxoAbr, Ho pearrbHHe crpaxoBHe BblnrarbrHe KOppeKTUpOBanUCb.

Page 5: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

l'pynna pacqera Qarropoe pa3Bltrre Ilnnus 6tameca

O6osxaqeHne HasEaHTe O6ogxaqenne Hageaxne

A&HCrpaxoeaxre orHeci{acTHbtx clyqaeB 14

6onesxefiA&H Crpaxoaaxre or Hecr{acrHbtx cnyqaeB n

6onesHefi

Auto PL 13.1

O6sgarenuxoecTpaxoBaH14e

rpax4axcxofiOTBCTCTBCHHOCTI,I

BnaAenbqeBTpaHcnoDTH blx cDe^acrB Auto PL 13.1

O6rsarenuHoe crpaxoBaHuerpaxAaHcKofi oraercreeHHocrt4BnaAenbqeB TpaHCnODTH btx cDetrcTB

Auto PL 5CrpaxoaaxueaBTOrpaHCnopTHbtxCDCACTB Auto PL 5

Crpaxoeanue a BTorpa HcnoprHbtxCPCACTB

Energy 3xeprur

CARCrpaxoaa x re crpol4TenbHo-MoHTaxHbtxpa6or

EnergyOtherCrpaxoeanre npoqero uMyqecrBanpeAnpusrt4fi exepreruqecxofi orDacru4

o&PCrpaxoaaxue hMyrqecrBa n pe4n prarrrfi

yeQrexu m n.{ecrofi orpacru4

UtilitiesCrpaxoaa x re r MyqecrBa npegnpnnui,tgHeprerhqecxoil oroacnu

Liability OreercrgexHocrs

C.as GLCrpaxoaaxre o6qefi rpax4axcrofiOTBETCTBCHHOCT14

Cas WCCrpaxoaaxre orBercrBeHHocrrpa6oroAarens

CM Crpaxoeaxre npoayKuuh or noDqu

EnviromentalKounnexcxoe 3KonorhqecKoecTpaxoBaHhe

ExcCasCrpaxoea x ne rpax4ancrofiorBercrBeHHocrr Ha 6age arcueaexra

FideliWCrpaxoeaxre or HeqecrHocrucoTpyAHl,lKOB

MLCrpaxoaa nre orBercrBeHHocrr4A[peKTOpOB 14 AOnXHOCTHbX nt4u

PICrpaxoea ure npoSeccuonan uxofiOTBCTCTBCHHOCTI4

Marine Crpaxoaaxue rpy3oB Marine Crpaxoeaxre rpy3oB

PL Other CrpaxoaaxreQrsnuecxNx ntaq

PL Other 11Crpaxoaax re r Myu{ecrBa Qusrvecxnxnuq

PL Other 12

Crpaxoaauue rMyu{ecrBeHHbtx pt4cKoB,cBfl3aHHbtx c l4cnonb3oBaH14eMnnacTuKoBbX KapT

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1,1Myu{ecrBa

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l-lepecrpaxoBa H yteM no Kpbrrbr cneAy]ou.rr4 e nn+yll 6rsneca :

BaprarrnepecTpaxoBaHre Ilnnnn 6nsreca

O6nnraropnoe KBorHoenepecrpaxoBaHl4e

Crpaxoeaxue crpohrenbHo-MoHraxHurx pa6oifcrpaxoaa x me u MyqecrBa npeAn pnerra fi xeerexmuuqecrofi orpacnr4;Crpaxoaaxue rMyu{ecrBa n peAnpurrru fi axeprerh.{ecxofi orpaux;Crpaxoea n ue o6ruefi rpaxAa HcKofi oraercreeH Hocrl,UCrpaxoeaxre orBercrBeHHocn4 pa6oro4arenn;Crpaxoeaxue npoAyKq,tr or nopq[KolannexcFtoe 3Konor[qecKoe crpaxoBaHhe;crpaxoeaxue rpaxAaxcxofi oreercrBeHHocn4 Ha 6ase nDeBHUeHue :

Page 6: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

Crpaxoaanue or HeqecrHocrt4 corpyAHHKoB;Crpaxoaanue orBercrBeHHocn4 AnpeKropoB 14 AonxnocrHbx nnq;Crpaxoeanue npo$eccnoxanuHofi orBercrBeHHocn4;Crpaxoeaxne or HecqacrHbtx cltyr.t;tee ra 6onesxefi;

l'lepecrpaxoBaHre Ha 6ase3KcqeIeHTa y6urra

Crpaxoaanne or HecqacrHbtx cnyqaeB ra 6oneeueil;Crpaxosanre rpysoB;Crpaxoeanme hMyqecrBa Snaavecrrx nnq;CrpaxonaHne o6qefi rpaxAaHcKofi orsercrseHHocrr4;Crpaxoeanne orBercrBeHHocrr,, A[peKropoB 14 AonxHocrHbtx rrr4q;Crpaxoaaxne npo$eccuoxanuxofi orBercrBeHHocrr4;Crpaxosaxue or HeqecrHocn4 comv[Hl4KoB

Ta6nrqa 4.1.

CrpaxoeaHre r nprHf,Toe nepecrpaxoBaH]re 2014 rofl (Tbrc. py6.)

Jlnuxr 6rcHeca

3apr6oraunarnIleMHfl

L'rpaxoBbre

BhTIUIATbI

Ifmrenennepe3epBoB

Ilouecennuev6*rrrcx

A&H 301.12( 170,31( 46,865 2l7"l8lAuto PL l3.l 60,79( 27.75t 5% 28,349

Auto PL 5 554,08t 458,539 81,372 539.91I

AR 49.30t 9,51i 56,759 66.274

las GL 159.40( 20,698 4.504 16,194

las WC zt-15: 74 112 l8(]M 7 30t I l3Enersy Other 278,n 36,2N 36,2NEnviromental 310_361 1.060 1.06(

ExcCas 76,31t ( 94 94

fidelity 125,80r -5.90( 4,205 -12.1 I IWarine 269.69C 118,252 62,830 l8l.08i\4L 174,138 37,447 t65^401 203.849l&P 179.56i 13.76t 4.136.395 4.150.155PI 27.881 C w 97

lL Other I I ?37.16t 10,593 t.59',1 12,lgt)L Other 12 19,392 147 -16( -19

Property 411.571 8,31'l -87t 7,Meuriliries 44,434 0 6.154 6,154llroro: 3307,228 869,502 4,58/.,796 5,454r99

Page 7: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

la6nw$ 4.2.

Crpaxon""r" n npnHnroe nepecrpaxoBaHre 2013 ro4 (rrrc. py6.)

n,.

Ta6nuqa 4.3.

IlepecrpaxoBaHre 2OL4 ron (rrlc. py6.)

Jlnflrs 6nrHeca

5apaOoraHHaf

nDeM[Iq

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A&H 366,340 205,608 1s.787 221,395

Auto PL 13.1 57,546 26,754 4,649 31,359

Auto PL 5 M2,629 323,200 17,604 340,804

CAR 8,781 150,1 I I -103,642 46,469

Cas GL 133,048 24,703 -2,801 t7,901

Cas WC 22,201 0 -974 -974

M 7.754 0 -339 -339

Enerey Other 235,M5 0 n.192 -tt.t92Enviromental 242.268 0 -r0.778 -10,778

ExcCas 19,900 0 -990 -990

Fidelitv 86,647 28,062 6.313 34.375

Marine 227,596 57,918 40,644 98,562

ML 83,793 387 5.499 5.887

c&P 28.359 52.485 -100,080 -47,594

PI 12,844 0 432 432PL Other 1l 278,286 9,371 -15,901 4,529PL Other 12 32.441 796 -2,314 -1,5 I 8

Property 331,255 10,828 -19.s09 -8,68r

Utilities 485 0 -27 -27

llroro 2,617$18 EE6,219 .178,522 707.697

Jlrurrls fnrxecr3apa6orarnar

TIDCMf,fl

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B pBepBe

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A&H 9,825 2,497 3,799 6,297

Auto PL 13.1 -0 0 :23 -23

Auto PL 5 0 673 -300 5t3:AR 44,451 9.138 48,737 57,814

las GL 35,780 2,093 l.ll4 3,207

las WC 478 0 -15 -15

M 9.844 0 105 105

Enersv Other 274.539 0 33.074 33,074

Enviromental 303,330 0 780 780

JxcCas 26,252 0 472 472

iidelitv 96.629 -5,727 -7,041 -12.768

Marine 174,777 25,730 68,382 94,1 l 3

\rtL 58,492 0 64,654 64,654

)&P t78.038 13,083 4,093,975 4,107,057

PI l2-861 0 47 -47

lLOther ll 220 0 1 I

lL otho 12 0 0 -0 -0

lropefty 404,512 7,844 -864 6,980

Jtilities 43.747 0 5,674 5,670

4roro L,673,777 55,331 4,312A76 4,367,W6

Page 8: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

Ta6nu.$ 4.4.

IlepecrpaxoBanre 2013 rog (rulc. py6.)

Jlnnus 6[sHeca

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Ilepecrpaxono.rnoeBOSMCI{PHIIC

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A&H 12.243 5337 908 6.244

Atrto PL 13.l 0 0 23 2iAuto PL 5 284 0 279 279

AR 7.305 r38.143 -r03-748 34,395

Cas GL 42-174 2243 -2.867 -624

Cas WC 1.154 0 -& -64

CM 3.109 0 -170 -170

Enerey Other 235.283 0 I1,020 r 1.020

Enviromental 241.979 0 r l-198 I 1.198

ExcCas 9261 0 -427 -427

FlbtiN 82M7 28292 5.499 13.791

Vlarine t@5w 21-866 10381 12.241

UL 31.548 0 -3,056 -3.056

f&P 28,346 46.433 "1w223 -53^790

PI 7-051 0 -299 -299

Pl, Other ll 97 0 -71 -11

PL Ottrcr 12 -0 0 0 0

ProperE 320"326 -< frs -16"812 -22_037

utilities 482 0 -n 11

llroro 1,1E8,1 l5 237,089 232,895 4,194

4.5. Pesepe Heapa6oraHHofi npeMHH PHn pacclrrrHeaercn Ha ocHoBe 6pfrro-

npeMuh; aKrnB ornoxeHHbrx aKBu3HLtr4oHHbtx 3arpar (oA3) Sopr.rmpyercn Ha ocHoBe

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Peaepe gaflBfleHHbrx, Ho He yperyrupoBaHHbtx y6urroa, Soptlupyercn B

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Pacqer PnHy paccqnTbrBaerce Ha ocHoBaHtau AaHHbtx 06:

. OnnaqeHHbrx y6urrax;

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l4roro: 1 604401 597 853 47 828 33 692 148 290 827 664 1 172 599 344 935

Page 17: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

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CM 5 5.0% 0 2 13 -125 -1 09 5 114

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ExcCas 98 925 5.Oo/o 4 946 408 2 142 15 663 23 160 726',t2 49 452Fidelity 18 39s 10.0o/o 1 839 213 559 1 964 4 576 11 522 6 946ML 165 701 28.Oo/o 46 396 3 666 4 374 21 293 75 729 105 819 30 090PI 7 263 5.Oo/o 363 71 371 562 1 368 5 085 3 718Marine 73 541 68.9% 50 660 3 200 2 400 7 075 63 335 56 460 -6 875PL Other 11 36 622 6.9% 2 516 202 771 3 250 6740 32 135 25 396PL Othell2 124 2.0o/o 2 0 3 0 5 124 119

Property 2 082 52.0% 1 083 2 723 5 499 -25 457 -16 153 1 457 17 650

TOTAL 804 527 316 84'l 47 828 33 692 43 023 441 385 625 835 184 450

t7

Page 18: Ifeeaeunnt'htil ryflqffimtnfln. - AIG · orBercrBeHHoro aKryapl4fl He flBrrflflacb npoBepKa npeAocraBaeHHbtx AaHHblx U AoKyMeHToB. Hecuorpr Ha To, qro 6una npoBeAeHa pa6ora no npe4Bapr4renunofi

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