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INGO Ukraine JSIC – providing full range of insurance products on the insurance market in Ukraine

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INGO Ukraine in brief

Established in 1994 (before 2004 – Ostra-Kiev JSIC)- in the top five of insurance companies: - highest written premium result - largest in asset size- a leader in amount of claims paid

The INGO Ukraine JSIC received the “Certificate of Partnership Reliability” agreed and approved with the ICC (Paris, France). The Certificate itself officially confirms that INGO Ukraine JSIC is a reliable partner for running and development of business interrelations both in Ukraine and abroad and also confers its right on getting reference of partnership reliability from the ICC

Following the financial results of the 2005, 2006, 2007 nominated by “Business” publication as “the most Professional Insurance Company in Ukraine”

In 2007 following the rate “Guards 500” the INGO Ukraine JSIC gained the leading nomination as “The Most Favorite Insurance Company”

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INGO Ukraine JSIC is one of the top-5 principal players in the insurance market of Ukraine

A leading player in the insurance market Adopted market strategy to year 2012 Reputation for meeting all legitimate claims

A leading player in the insurance market Adopted market strategy to year 2012 Reputation for meeting all legitimate claims

Positive image with the Public Wide regional network A wide range of Insurance Products Stable financial indicators Extensive experience of operating in the market Class A reinsurance programs

Positive image with the Public Wide regional network A wide range of Insurance Products Stable financial indicators Extensive experience of operating in the market Class A reinsurance programs

Growth in retail sales Expansion of regional network Expansion of client-oriented sales strategy in corporate and personal lines

Growth in retail sales Expansion of regional network Expansion of client-oriented sales strategy in corporate and personal lines

Position in

the market

Position in

the market

Strengths Strengths

Opportunities

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Insurance lines

Commercial Personal

Professional liability

risks

AviationCommercial

Property and Other Assets

Goods in transit (Cargo)

Risk of Export-Import

Transactions incl. Credit Risks

Group Medical

Expenses

Medical expenses

Accident/Personal

Liability

Holiday Insurance

Motor CASCO

and TPL

Property

Transport operators

Marine

Our clients: Commercial, industrial, trading and service companies, banks and other financial institutions, transport services operators, travel agencies, embassies and consular offices, individuals

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The company’s network

26 regional branches with over 100 client servicing offices

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Our international partners

International Brokers: International Reinsurers:

Munich Re, Germany

INGOSSTRAKH, OIJSS, Russia

SOVAG AG, GERMANY

AXA Corporate Solutions, France

IF P&C Ins. Ltd., Skandia, Sweden

Swiss Re, Switzerland

Partner Re, Switzerland

SCOR, France

Hannover Re, Germany

Transatlantic Re, USA

Assicurazioni Generali, Italy

Allianz Versicherungs AG, GermanyFortis Corporate Insurance (Belgium)Mitsui Sumitomo Insurance (Japan)

Marsh

AON

Willis

Benfield Greig

Zaris

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INGO Ukraine JSIC is a member of the following associations

INGO International Insurance Group Ukrainian Federation on Insurance Motor (Transport) Insurance Bureau of Ukraine (a full member) Ukrainian National Committee of the International Chamber of

Commerce American Chamber of Commerce in Ukraine Kyiv Chamber of Commerce and Industry Chamber of Commerce and Industry of Ukraine European Business Association

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INGO Ukraine JSIC is a member of the International Insurance Group INGO

INGO is an acronym which stands for International Network of Guarantees and Obligations and shows that Company is a member of the INGO International Insurance Group.

INGO International Insurance Group was created in 2004.Its strategic mission is to create a deeply integrated insurance

community for the purpose of expanding cooperation in insurance and reinsurance. This provides clients of each company with reliable financial protection of their interests.

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INGO Ukraine JSIC is a member of the International Insurance Group INGO

The membership of the INGO International Insurance Group is as follows: “Ingosstrakh” IJSS (Russia), “IC “Ingosstrakh-M” Ltd. (Russia), “IC “Ingosstrakh-Zhyzn’” Ltd. (Russia), “TIM-Assistance” Ltd. (Russia), ОАО “Chrezvychainaya strakhovaya company” OJSS  (Russia), OJSS MSK “EMESK” (Russia), MSO “Petromed” Ltd. (Russia), “LMS Klinika” Ltd. (Russia), Management Company “Ingosstrakh-Investments” OJSS (Russia), SOVAG AG (Germany, Austria, UK), INGO Ukraine JSIC (Ukraine) INGO LIFE Ukraine JSIC (Ukraine) “IngoNord” IJSS (Finland), “Garant” AG (Austria, Switzerland), “BelIngosstrakh” CIJSS (Belarus’), “Kyrghyzinstrakh” IJSS (Kyrghyzstan), “INGO Armenia” ICJSS (Armenia).

Premium written - $ 2.24 mlrd.

Total Claims Paid - $ 1.31 mlrd.

Premium written - $ 2.8 mlrd.Total Claims Paid - $ 1.8 mlrd.

of 2008

Consolidated financial statement of INGO Group

of 2007

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INGO Ukraine JSICKey figures for

1994-2008

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Key Figures

Graph of Premiums Written for the period of 1994 – 2008

Graph of Claims Paid for the period of 1994 - 2008

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Key Figures (thousands UAH)

ASSETS 2007 2008

Gross Premiums Written 425 472,4 531 100

Total Claims Paid 177 041,7 487 698

Technical Reserves 348 277,5 229 543

Shareholders Equity 91 099,7 126 748

Authorized capital stock(from 8.09.2008)

130 876

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Premiums Structure 2007

Property18,0%

Compulsory Motor Insurance

11,4%

Personal14,4%

Transport Operators

Liability0,9%

Property responsibility

2,7%Marine and

Aviation1,7%

Cargo4,9%

Voluntary Motor Insurance

46,1%

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Premiums Structure 2008

Property15,4%

Compulsory Motor Insurance

10,7%

Personal15,0%

Transport Operators

Liability1,1%

Property responsibility

3,0%

Marine and Aviation

1,0%

Cargo4,2%

Voluntary Motor Insurance

49,6%

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Services

Services provided Service support

Motor Round-the-clock technical assistance in all regions of Ukraine Call-center: assisting via the Company “ECLIS” Ltd Free evacuation in Ukraine Repairs by appointed Garages

Medical Round-the-clock servicing in Ukraine Call - center: via “ALFA-Assistance” Ltd Designated doctors Insurance desks in hospitals Personal prescriptions system Prescription delivery Discount system for preventive and health treatments Inclusive benefits: vaccinations, vitamin courses, homeopathic treatment, medical screening, coverage of chronic diseases (tuberculosis, diabetes, oncology and etc.)

Hot line 8-800-30-555-30Round-the-clock call-center for Motor insurance (044) 494-0-444, 573-46-09, 559-13-12or mobile phone of adjustorsRound-the-clock call-center for Medical Insurance(044) 503-00-03or mobile phone of designated doctors in Kiev and in over 60 cities in Ukraine

Clients

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Financial Intermediaries Banks

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Car Dealers Leasing companies

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THANK YOUFOR YOUR ATTENTION!

INGO Ukraine, JSIC33, Vorovskoho St., Kiev, 01054, UkrainePhone: (38 044) 490-27-44/45Fax: (38 044) 490-27-48E-mail: office@ingo.com.ua www.ingo.com.ua