Assistance: 0 800 500 381

Financial indicators

Financial Highlights in 2008

The shareholder’s equity as of 01/01/09 totaled to UAH 114 800,0 thous. (compared to UAH 100 000,0 thous. as of 01/01/08).

The total assets was UAH 430 336,8 thous. in 2008 (41,5% up compared to UAH 304 224,7 thous. in 2007).

The total equity growth as of 01/01/09 totaled to UAH 232 588,3 thous. (up 57,7% y-o-y).

Key financial indicators

(thousand UAH)
01.01.2007 01.01.2008 01.01.2009

authorized capital

60 000,00 100 000,00 114 800,0

owner’s capital

108 873,00 147 513,00 232 588,3

insurance reserves

57 903,80 86 546,60 137 194,1

total assets

190 876,40 304 224,70 430 336,8

The Company has reported UAH 137 194,1 thous. in insurance reserves (58,5% up from UAH 86 546,6 thous. in 2007). The company’s insurance reserves are carried completely under IFRS.

MOD insurance was the main driver of the GWP growth. Its share in the total portfolio structure increased to — 25,03% y-o-y. The total GWP raised from Casco insurance amounted to UAH 129 017,50 thous.

The second largest payments generating insurance segment was property insurance. The company has been witnessing growth in this segment of 60,5% y-o-y. The total GWP raised from this segment amounted for UAH 69 399,3 thous.

The GWP growth was also supported by payments increase of 68,5% in obligatory third-party liability insurance. It represents UAH 47 868,2 thous. in GWP compared to UAH 28 411,2 thous. y-o-y.

Insurance Payments Structure

Types of insurance as of 01.10.2007,
thousand UAH
as of 01.10.2008,
thousand UAH
as of 01.10.2009,
thousand UAH
MOD 53 527,90 103 188,70 129 017,50
OMTPL 16 355,00 28 411,20 47 868,20
Green Card 27 141,50 33 379,10 37 703,90
Property 33 624,10 43 228,40 69 399,30
Personal 12 865,70 15 705,30 24 209,40
Other 26 290,00 30 086,00 34 132,20
Total: 169 804,20 253 998,70 342 330,50

The Company’s total claims paid to the clients were UAH 92 352,1 thous. (66,13% up from UAH 55 589,8 thous. in 9M07).

Insurance Pay-Offs Structure

Types of insurance as of 01.10.2007,
thousand UAH
as of 01.10.2008,
thousand UAH
as of 01.10.2009,
thousand UAH
MOD 28 326,60 52 800,10 78 756,9
OMTPL 4 912,00 8 412,40 15 987,3
Green Card 15 149,60 13 028,90 17 080,2
Property 1 607,10 1 451,70 4 099,6
Personal 3 514,20 5 483,30 6 639,2
Other 2 016,10 5 976,00 1 505
Total: 55 525,60 87 152,40 124 068,20

Insurance Premiums Dynamics

Index 01.01.2007 01.01.2008 01.01.2009
Payments, thousand UAH 169 804,20 253 998,70 342 330,50

In 2008 Universalna raised non-life GWP to UAH 342 330,5 thous. (posting 34,8% growth compared to UAH 253 998,7 thous. in 2007).

Insurance Pay-Offs Dynamics

Index 01.01.2007 01.01.2008 01.01.2009
Pay-offs, thousand UAH 55 525,60 87 152,40 124 068,20

The Company’s total claims paid to the clients were UAH 124 068,2 thous. (42,4% up from UAH 87 152,4 thous. in 2007).

Indices Dynamics

Index 01.01.2007 01.01.2008 01.01.2009
Income, thousand UAH 112 714,90 171 762,80 257 518,50

In 2008 the Company’s net earned premiums increased up to UAH 257 518,5 thous. (up 49,9% y-o-y, compared to UAH 171 762,8 thous.).



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