Russian reinsurance company. Insurance company Russian National Reinsurance Company (RNPC)

Article 13.1. National Reinsurance Company

1. The National Reinsurance Company is created in the organizational and legal form of a joint stock company in order to additionally protect the property interests of policyholders and ensure financial stability insurers.

When creating a national reinsurance company, one hundred percent of its shares belong to the Bank of Russia.

2. One person or a group of persons, determined in accordance with Federal Law No. 135-FZ of July 26, 2006 "On Protection of Competition", with the exception of the Bank of Russia, may not acquire more than ten percent of the shares of a national reinsurance company. Shares of the national reinsurance company acquired in violation of the prohibition established by this paragraph must be sold in compliance with the requirements of the law Russian Federation not later than one month from the date when the shareholder knew or should have known about such violation. In case of non-compliance with the specified requirement, such shareholder (shareholders) is (are) deprived of the right to vote at the general meeting of shareholders of the national reinsurance company for shares exceeding ten percent of the shares of the national reinsurance company. These shares are not taken into account when determining the quorum of the general meeting of shareholders of the national reinsurance company and counting votes at the general meeting of shareholders of the national reinsurance company.

3. To the competence of the board of directors ( supervisory board) the national reinsurance company is responsible for resolving issues provided for by the Civil Code of the Russian Federation, Federal Law of December 26, 1995 N 208-FZ "On joint-stock companies", as well as determining, taking into account the provisions of this Law, the forms and types of reinsurance, approving the regulation on the assessment of insurance risks and insurance risk management, the accounting policy of the national reinsurance company, making decisions on participation in reinsurance pools.

4. The National Reinsurance Company creates a reinsurance council, which is a collegial advisory body. The Reinsurance Council includes representatives of insurance business entities that have at least ten years of experience in the field of insurance (reinsurance), representatives of associations of insurance business entities, including professional associations, representatives of the professional community engaged in educational or scientific activity in the insurance industry, as well as responsible actuaries.

The procedure for the formation and implementation of the activities of the reinsurance council is determined by the charter of the national reinsurance company, taking into account the requirements of this Law.

5. Employees of shareholders of the national reinsurance company, shareholders of the national reinsurance company, their affiliates and employees of affiliates cannot be members of the reinsurance council.

6. The priority areas of activity of the national reinsurance company, the regulation on the assessment of insurance risks and the management of insurance risks, as well as changes to them are submitted for approval by the board of directors (supervisory board) of the national reinsurance company after their consideration by the reinsurance council and are subject to posting on the website of the national reinsurance company in the information and telecommunications network "Internet".

JSC RNPK is a specialized reinsurance company established in 2016 on the initiative of the Bank of Russia to support the domestic insurance market by providing reinsurance capacity to protect property interests. At the end of 2017, RNPK ranked first in terms of fees in the reinsurance market (7.62 billion rubles). The company has no representations and branches. The head office is located in Moscow.

The company was registered on August 3, 2016 based on the relevant decision of the Bank of Russia dated July 29, 2016. Since December 29, 2016, the official name of the company has been JSC Russian National Reinsurance Company (JSC RNPK), formerly JSC Reinsurance Company NPK. According to the issued license, the company has the right to conclude reinsurance contracts for all types of insurance, including: personal insurance, property insurance, voluntary medical insurance, liability insurance, compulsory insurance.

JSC RNPK was created to provide reinsurance protection to Russian insurers who are faced with the unavailability of international reinsurance capacities. The main activity of the company is the protection of sanctions risks that cannot be reinsured abroad, as well as the reinsurance of risks for home insurance against emergencies.

In May 2017, the Supervisory Board of RNPK JSC approved a five-year development strategy, according to which by 2021 the company should become the leader of the Russian reinsurance market with a volume of premiums of 24.7 billion rubles, control more than 40% of the inward reinsurance market (now almost 35% The market is jointly occupied by two leaders - Sogaz and Ingosstrakh) and take at least 15% of all major risks in the outbound reinsurance market. From January 1, 2017, insurance companies are required to transfer 10% of the risks to RNPK under reinsurance agreements for objects under international sanctions.

The company is a member of the Russian Association of Aviation and Space Insurers (RAAKS), the Russian Anti-Terrorist Insurance Pool, the All-Russian Union of Insurers and the Federation of African-Asian Insurers and Reinsurers.

The sole shareholder of the company is the Central Bank of the Russian Federation (100% of shares).

The main line of the company's business in 2017 was property reinsurance legal entities with a share of 55.53%, the second largest line of business was aviation reinsurance with a share of 11.09%. Also, the reinsurance portfolio includes hull insurance (6.06%), cargo insurance (5.16%), civil defense insurance for non-performance or improper performance of obligations under the contract (4.0%), business risk insurance (3.43%), etc. .

In 2017, the insurer received 88.67 million rubles net profit under OSBU and 213.52 million rubles of total income under IFRS. At the end of 2016, the company's total income reached 497.61 million rubles (according to IFRS), and the amount of net profit amounted to 435.06 million rubles.

Fitch Ratings: BBB-, positive outlook. The financial strength rating was first assigned to the company on June 6, 2017 and confirmed on May 18, 2018.

Governing body: Nikolai Galushin (president), Natalya Karpova, Olga Krymova, Alexander Shcheglov, Alexander Vereshchaka, Yulia Arkhangelskaya, Mikhail Sepp, Elena Lukyanova, Svyatoslav Kotik, Natalya Borovkova (chief accountant) and others.

Supervisory Board: Sergey Shvetsov (Chairman), Mikhail Bratanov, Nikolai Galushin, Andrey Golikov, Valery Goreglyad, Igor Zhuk, Sergey Ignatiev, Vadim Kulik, Elena Kuritsyna, Igor Yurgens.

Partners: Belarusian National Reinsurance Organization (BNPO), Marsh International Insurance Broker, RT-Strakhovanie Insurance Broker LLC, Malakut Insurance Broker CJSC, Axiom Inre Insurance Broker LLC, Challenge Group-Insurance Consultants LLC and Brokers, Insurance Broker SeaLine LLC, major Russian insurance companies (SOGAZ, Rosgosstrakh, Ingosstrakh, RESO-Garantia, VTB Insurance, VSK, etc.).

In spite of everything, the leaders of the Russian market of reinsurance services remain international companies- Willis, Marsh, AON, to which questions arose more than once even in their homeland. Why is the head of the National Reinsurance Company, Nikolai Galushin, coming to them with a bow?

The United States and Great Britain are threatening Russian companies with new sanctions, and, in general, they do not hide the fact that their goal is to gain an advantage in international competition. At the same time, even Russian state corporations themselves, almost gladly, provide the State Department with the most detailed information About Me. Paradoxically, the Russian market is flooded with all sorts of dubious financiers, hiding behind the status of international financial companies.

The Russian market is actually occupied by international insurance brokers and reinsurance companies. Their clients are thousands of large, medium and small Russian enterprises. Often their services are not expensive. Yes, actually, the service is formal. For example, look for large enterprise an insurance company that will insure his risks.

Well, for example, to find Roskosmos, an insurer who will vouch for his launch risks. Why, in Roscosmos, they cannot do it themselves, but are ready to pay millions of rubles to third-party brokers? Good question. But, for example, "Rosseti" - advises British Willis, space launches are reinsured by the American - Marsh, American AON - advises and reinsures the risks of Norilsk Nickel. Sogaz reinsures risks through the broker AXIOManx Reinsurance Brokers Limited, registered in a British offshore.

Rostec, for example, even creates its own insurance broker, RT-Insurance, whose general director is Valentina Rakitina, a full-time employee of the corporation. In words, Rakitina declares that her goal is to make the reinsurance of Rostec enterprises efficient and safe. However, in reality, this does not prevent the increase in the activity of the American broker Marsh. The Rakitina family is in Malta, and an employee of the largest Russian state corporation that controls dozens of military-industrial complex enterprises promotes American interests. Thus, when reinsuring Russian space launches, Valentina Rakitina's participation played a key role in the choice of the Marsh broker, although, for example, another broker, Malakut, made a more competitive offer.

And by the way, there are quite a few such lobbyists in Russian state structures. It is worth mentioning, for example, Kapitolina Turbina, the head of the representative office of the American reinsurance company Gen Re. well settled not only in Russia, but also in Switzerland, together with her husband, Boris Pastukhov. Turbina simply represents American interests in Russia, and her husband recent times worked in medical projects close to Danila Khachaturov. His success can be judged from the recent criticism with which the new head of FC Otkritie, Mikhail Zadornov, and the head of the Federation Council, Valentina Matvienko, recently attacked the leadership of Rosgosstrakh, headed by Khachaturov, and the Russian medical insurance system.

It is noteworthy that both Rakitina and Turbina are on the reinsurance board of RNPK JSC, a Russian state-owned company designed to replace all Western brokers and limit their influence in Russia, as well as their withdrawal of funds. Russian companies abroad. This council is headed by Ella Platonova, who at one time created and managed the European representative office of one of the first reinsurance joint-stock companies in Russia, Nakhodka Re. Why a small seaside company needed to have an office in London is not very clear. But it is obvious that now Platonova good connections among the Anglo-Saxon insurers, who certainly taught her a lot during her European practice.

It is also obvious that with such advice, RNPK does not seek to promote Russian insurance services either in the world or even in Russia. Yes, and the president of the state-owned company, Nikolai Galushin, is happy to fly to London, apparently in spite of official duties, attracting international insurance brokers to the Russian market, offering them friendship and partnership.

It is assumed that at one time the appointment of Galushin was supported by the deputy CEO of the company "Ingosstrakh" Alexey Galakhov. In his interviews, Galakhov positions Galushin as a friend and ally. You might think that they also have a common admiration for the Anglo-Saxons.

But we must remember that every time when inviting an import insurance consultant Russian enterprises must disclose to him not only financial, but often production information. At the same time, it is well known that all these Willis, Marsh, AON have repeatedly found themselves at the center of scandals in the USA, Great Britain, China, Canada and other countries. In other words, the quality of their services is highly doubtful even in their homeland, and it is hardly better in Russia. For that, they are simply obliged to report information about their clients, especially Russian ones, to the US Department and other interested foreign services.

Based on media materials

Russian National Reinsurance Company(RNRC) is the largest Russian reinsurance company. RNRC is not in terms of No 1 authorized capital (71 billion rubles) and in terms of No 2 paid-in capital in the domestic insurance market (21.3 billion rubles).

The Central Bank of Russia is a full shareholder of the RNRC. The State Reinsurance Company was established as provided for federal law No. 363-FZ On Amendments to the Law of the Russian Federation "On the Organization of the Insurance Business in the Russian Federation" of July 3, 2016 and Art.13.1-13.3 of Federal Law No. 4015-1 "On the Organization of the Insurance Business in the Russian Federation". The company was established by the Decree of the Central Bank of the Russian Federation dated July 29, 2016 in the reinsurance company NRC JSC (registered on August 3, 2016). NRC received reinsurance license PS No. 4351 dated October 12, 2016.

company goals

The low capacity of the Russian reinsurance market provided by domestic reinsurers was a long-term interest of specialists from reinsurance and insurance authorities. It depends on the type of insurance and has varied over time from $10-20 million per risk in 2005 to $100 million in 2015 not Russia, where they could be invested in the national economy.

Certain risks - especially in the case of compulsory insurance - have very specific underwriting procedures and regulations. legal framework in Russia, therefore they cannot be transferred by foreign reinsurers. In addition, a large number of risks cannot be transferred abroad due to national security issues (for example, if their reinsurance could lead to the disclosure of state secrets) or economic security (insurance guaranteed state orders).

To address the above problems and limitations, the Russsain authorities represented by the Central Bank of Russia established the RNRC with goals and objectives including:

• Improving the financial stability of Russian insurers (and, consequently, providing better insurance conditions for the population and businesses);
• Providing reinsurance capacity to insure businesses or facilities subject to foreign trade sanctions;
• Providing reinsurance protection for the guaranteed state of orders, as well as for risks that are not commercially attractive, which are of high social, general economic, industrial or national importance;
• Control over the assignment of risk by Russian insurers abroad, counteracting the illegal outflow of capital under the guise of reinsurance operations.

Activity

RNRC supplies reinsurance solutions to Russian and foreign companies in the non-life insurance industry both on a contract and facultative basis.

Mandatory assignment

From January 1, 2017, the provisions of Art.13.1-13.3 of Federal Law No. 4015-1 came into force, obliging all insurers to cede to RNRC at least 10% in each reinsurance withheld and to RNRC to accept at least 10% of all so-called risk sanctions. Although the RNPC cannot accept any risks that are not subject to sanctions.

Worldwide business

Development international business is an important part of the RNRC strategy. The company is looking to expand into China, India, the Middle East and Africa to increase premium income and business diversification. RNRC has received Chinese and Egyptian Insurance Supervisory Authority permission to operate as a foreign reinsurer on domestic market specialized in this country.

Analytical reviews

The company regularly releases reports with the results of the analysis of the situation on Russian market reinsurance. In addition, there are quarterly RNRC studies with very detailed analysis outgoing reinsurance of all Russian companies for the last quarter.

Ratings

The Analytical Credit Rating Agency (ACRA) assigned the AAA (RU) credit rating to RNPCU with a stable outlook (2017) and the Fitch Ratings rating agency - BBB- financial strength rating with a positive outlook (2017).

1. The National Reinsurance Company is created in the organizational and legal form of a joint stock company in order to additionally protect the property interests of the insurers and ensure the financial stability of the insurers.

When creating a national reinsurance company, one hundred percent of its shares belong to the Bank of Russia.

2. One person or a group of persons, determined in accordance with Federal Law No. 135-FZ of July 26, 2006 "On Protection of Competition", with the exception of the Bank of Russia, may not acquire more than ten percent of the shares of a national reinsurance company. Shares of a national reinsurance company acquired in violation of the prohibition established by this paragraph must be sold in compliance with the requirements of the legislation of the Russian Federation no later than one month from the date when the shareholder learned or should have known about such a violation. In case of non-compliance with the specified requirement, such shareholder (shareholders) is (are) deprived of the right to vote at the general meeting of shareholders of the national reinsurance company for shares exceeding ten percent of the shares of the national reinsurance company. These shares are not taken into account when determining the quorum of the general meeting of shareholders of the national reinsurance company and counting votes at the general meeting of shareholders of the national reinsurance company.

3. The competence of the Board of Directors (Supervisory Board) of a national reinsurance company includes resolving issues provided for by the Civil Code of the Russian Federation, Federal Law No. 208-FZ of December 26, 1995 "On Joint Stock Companies", as well as determining, taking into account the provisions of this Law, the forms and types of reinsurance, approval of the regulation on the assessment of insurance risks and management of insurance risks, the accounting policy of the national reinsurance company, making decisions on participation in reinsurance pools.

4. The National Reinsurance Company creates a reinsurance council, which is a collegial advisory body. The Reinsurance Council consists of representatives of the subjects of the insurance business who have at least ten years of experience in the field of insurance (reinsurance), representatives of associations of subjects of the insurance business, including professional associations, representatives of the professional community engaged in educational or scientific activities in the field of insurance and responsible actuaries.

The procedure for the formation and implementation of the activities of the reinsurance council is determined by the charter of the national reinsurance company, taking into account the requirements of this Law.

5. Employees of shareholders of the national reinsurance company, shareholders of the national reinsurance company, their affiliates and employees of affiliates cannot be members of the reinsurance council.

6. The priority areas of activity of the national reinsurance company, the regulation on the assessment of insurance risks and the management of insurance risks, as well as changes to them are submitted for approval by the board of directors (supervisory board) of the national reinsurance company after their consideration by the reinsurance council and are subject to posting on the website of the national reinsurance company in the information and telecommunications network "Internet".