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unr.'Ihs ubrq,Fu u'Dc Unqfrurnpur\ruh tunphp4ururrlur\urh Ctr\hpntplnth Unqlrurnpur\urtrQnpEnttrhntpl urtr Lfrghbqhur faf{ 006 ZZ, bplrurlr, fu nphhurgb 47 17 ph.46, hhn/Qurpu +37 41577 544 ULqUtu Unf.'IhSnlUr{UL bgl.UrrUSnhfdSnhL << rrl'b.In $h-L-uLu >> ohLl'.{bruul qufqu3hL quelruqbl.'lnr.l?|.3nr'L QFA-I-JUd!ESE|bI.hL €. bruu.l,,27l uufsh /2015o. Uhp \nr1ilfrg frpu\ruburgrlhl k << VI.b'In Sr'LULU >> nhqr{ otrC \hg Sftrurtruru\urtr hur2t{hur{ntplnttrhhpfr urnulfrurp, ph4 npnui ur14 hur2tlhutlntplnthhhpp hhpurnntil htr 2014p. ab\urttfphpfr 31-|r rlpntplunip $frtrurhuru\urtr firdur\fr tftuufrh, hnrlh uniuurprllrh utlurpun{urb rnurp{ru huriurulurprfru\ $frhurtruur\urh urp4lnr-trphhpfr, uhrfrur\urtr \urqfrtnrulnr-tf $nrfrnfuntplnthhhpfr tr rlpunfur\urtr ilfr2nghhpfr hnuphpfr ilruufh hru2rlhtn{nrpprtitLtpp, frh2qhu hurh $frtrurhutu\urtr hur2tlhrntintplnttrhhpfrh \hS hur2rlurqurhur\urh hur2tlrunrituh purrlurpru\url.rnrplnthg h tu11 burlinpiuqpntplnttrtrhp: 1tsqg_.Lutn-h.&3"Uf, gU,SUUtu-UI,-uSgnh.e3-Oblzq-$r'LUt4UitLU!-AU-c**ESgOb.&AnF*1,.1*E[n"aUU.UC Qh\hpnr-p3rutr r1h\ullurpnrplnrhp qtutnurulutuhururnt L $|rtrurtruur\rutr htu2tlhtntlntplnthhtpfr rlfr2urqqurlfrh utnruh4urpurhhpfrh htuilurqur.nurufuruh $]rtrurhuur\uh hur2r{hurtlntplnthbhp}r \urqriilruh tr d2rlurpftn hhp\tulurgtiurh hunirup: U14 hqunnur\ntl r1h\unlupntplnttrg uurhriuhntd k ruhhpurdh2rn r{hpuhu\nrlntplurtr hurilu\urpq, nFE pnllt I ururfru ulurnFruuuhl $frhurhuur\uh hru2rlhur{nrplnthtrbp, npnhp urqruur hh luurp4urluntplurh \rurf uluutt-tt urp4lnrhpntil hur\urh luhrpuplntpntiltrhplrg: Un"I-."T$nrFqrusu"Vlu"-Urus--:Ln_-_r'..osn_h]""q Uhhp qunnuruluurhrurnnr hhp unqfnnlr dir2ruqSurlhL uunuhrlurpurhhpfrtr hurtiruqrurnuruluurtr rthp \nqilbg frpur\rutrurgrlurb urnqfrtnfr hfniurh rfuru- h2{urb $frhurtruur\uitr hur2rlhrnrlntplnthhhpfr t{hpurphplurl dhp urpururhurprur\ \urpbfrpfr hrurfurp: Up1 uururh4urpulihpml rih_qruhfrg qurhurh2rlntti t purtiurpurphl purpnru\urh .l-pptr \tul,rnhtrhpp tr qlurhunlnphl tr urhg\urgtrhl urnqlnnp' $irhurhuru\urh hur2rlhurtlntplnthhhpfr hur\ult |uhrpuplnrpnr-rihhplrg qhpb frlihlnr tlhpurphp3url nrpurilfru hpur2|ufrphhp &hnp phphlnt hqurnur\nrl:
21

unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

Feb 15, 2020

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Page 1: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

unr.'Ihs ubrq,Fu u'Dc

Unqfrurnpur\ruh tunphp4ururrlur\urh Ctr\hpntplnth

Unqlrurnpur\urtrQnpEnttrhntpl urtr Lfrghbqhur faf{ 006

ZZ, bplrurlr, fu nphhurgb 47 17 ph.46, hhn/Qurpu +37 41577 544

ULqUtu Unf.'IhSnlUr{UL bgl.UrrUSnhfdSnhL

<< rrl'b.In $h-L-uLu >> ohLl'.{bruul qufqu3hL quelruqbl.'lnr.l?|.3nr'L QFA-I-JUd!ESE|bI.hL

€. bruu.l,,27l uufsh /2015o.

Uhp \nr1ilfrg frpu\ruburgrlhl k << VI.b'In Sr'LULU >> nhqr{ otrC \hg Sftrurtruru\urtr hur2t{hur{ntplnttrhhpfr

urnulfrurp, ph4 npnui ur14 hur2tlhutlntplnthhhpp hhpurnntil htr 2014p. ab\urttfphpfr 31-|r rlpntplunip

$frtrurhuru\urtr firdur\fr tftuufrh, hnrlh uniuurprllrh utlurpun{urb rnurp{ru huriurulurprfru\ $frhurtruur\urh

urp4lnr-trphhpfr, uhrfrur\urtr \urqfrtnrulnr-tf $nrfrnfuntplnthhhpfr tr rlpunfur\urtr ilfr2nghhpfr hnuphpfr ilruufh

hru2rlhtn{nrpprtitLtpp, frh2qhu hurh $frtrurhutu\urtr hur2tlhrntintplnttrhhpfrh \hS hur2rlurqurhur\urh

hur2tlrunrituh purrlurpru\url.rnrplnthg h tu11 burlinpiuqpntplnttrtrhp:

1tsqg_.Lutn-h.&3"Uf, gU,SUUtu-UI,-uSgnh.e3-Oblzq-$r'LUt4UitLU!-AU-c**ESgOb.&AnF*1,.1*E[n"aUU.UC

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utnruh4urpurhhpfrh htuilurqur.nurufuruh $]rtrurhuur\uh hur2r{hurtlntplnthbhp}r \urqriilruh tr d2rlurpftn

hhp\tulurgtiurh hunirup: U14 hqunnur\ntl r1h\unlupntplnttrg uurhriuhntd k ruhhpurdh2rn r{hpuhu\nrlntplurtr

hurilu\urpq, nFE pnllt I ururfru ulurnFruuuhl $frhurhuur\uh hru2rlhur{nrplnthtrbp, npnhp urqruur hh

luurp4urluntplurh \rurf uluutt-tt urp4lnrhpntil hur\urh luhrpuplntpntiltrhplrg:

Un"I-."T$nrFqrusu"Vlu"-Urus--:Ln_-_r'..osn_h]""q

Uhhp qunnuruluurhrurnnr hhp unqfnnlr dir2ruqSurlhL uunuhrlurpurhhpfrtr hurtiruqrurnuruluurtr rthp \nqilbg

frpur\rutrurgrlurb urnqfrtnfr hfniurh rfuru- h2{urb $frhurtruur\uitr hur2rlhrnrlntplnthhhpfr t{hpurphplurl dhp

urpururhurprur\ \urpbfrpfr hrurfurp: Up1 uururh4urpulihpml rih_qruhfrg qurhurh2rlntti t purtiurpurphl purpnru\urh

.l-pptr \tul,rnhtrhpp tr qlurhunlnphl tr urhg\urgtrhl urnqlnnp' $irhurhuru\urh hur2rlhurtlntplnthhhpfr hur\ult

|uhrpuplnrpnr-rihhplrg qhpb frlihlnr tlhpurphp3url nrpurilfru hpur2|ufrphhp &hnp phphlnt hqurnur\nrl:

Page 2: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

1

untqfrurnpru\urtr ru2|uuru[uhphhpp hhpurnnul hh $frhurtruru\rrrb hru2tlhurr{ntplnttrhhpnui nL

hturluqruurruuluruh bulrnpurqpnrplnrbhhpnul urpururgnu[rub u'[urlbhpg hfrrilrurrlnpnrl r{ruruurhpfr

i,hnppbpdrutr trqururur\nrl il2ur\{rub grrpurgur\rupqhp, npntrg phurpnr-plnrtrg \urluqub k }uurprFu}untplmbLhpfr

h ulurufrhpfr hhurhutrpn{ $}rtllhuur\urh hrrr2{hurt[ntplnrhhhpnui krl\rub ]uhqruplnr-pnuihhpfr nfru\hpft

urn\ulntplurh rlhpruphplul runt4fnnnpur\ruh qhruhruurntd'lrhplrg: I}[ru\hpfr qhurhrrrurntdlrhpp \ruururpL$u

runt4fr'rnpl ri2ur\nr-rl L hrurlurulurururuluruh phprugur\urpqhp' $frhruhuur\urlr hur2r[Lu*{nr-p3ntLl-rhpfr

\ruqririurtr ! d2riurplrur trhp\tulurgdurtr hrurlurp \frpurnr[nrl trtppfrh {hpurhu\nr1nr-pluh qhurhruurftuL' ur11n2 ph

ptr\hpnrplurtr nr12 hhppfrh {hpurhu\nrlntpluh urprgnthurr[hurntpluh rlhpurphplrrl \*nbttp \urqrthlnr- hultirup:

unt4|lnnpru\ruh ru2]uurtnruhptrhpp Lrhpurnnl-l hb hurh \[rpurnt[rub hur2{urqurhur\rutr hu2rlriinrftutt

u\qpnrtrphhpfr h gtr\hpntplurh qh\ur{urpnrplurtr \nrpffrg \ruurrup{ub qhurhruurnuihhpfr' frtrlqhu hurh

$frtrurhuru\ruh hrl2rlhur{ntplnr-trtrhpfr ph4huhntp hhp\urllgilurtr qhruhruurntrlg:

uhhp hurinqrlurb bhp, np &hnp htrp phphl pru{ur\ruhur2rur}r nt hruilurqruuuru}uurh rlnqfrurnpur\rub

ruqugrnlghhF',iF \rupbfrph urpurruhru;urhlnt hruriurp: I

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uhp \tupElrpnrl \hg $|rhrutruru\rutr hur2rlhtn{nr-pSnrtrhtpp FnLnF hur\urtr urnnttftrhpnr[ d2rirupfrur hh

hhp\rulurgtrnLil f.Ol4fa.-h ah\tnhriphplr 31-[r qpntplutlF .. r{fb'}n ShLULU >> nhqr{ OtrC $}rtnutruur\ruh

,lhd*hp, trntlh ruriuruptllrh un{rupur{nr1 urupr[ur hurtiruqurprJrur\ $[rtnutrum\rutr rup4lnttrptrhpp' uhr{lu\rulr

\ruqlrurrulnuf rfrnrfrnluntplnthtrhpp U 4prurim\ruh rllr2ngbhph hnupLpl' hurdur&ru1tr $|rtrurhuur\ruh

hur2rlhur{ntplnthhhpfr rtfr2ruqqrulfrh uuuutrrlurptnhhpfr:

<<Untqlnn Uhp{ru>> U'tlC urhophh'

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Page 3: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

$frtlltruur\urh rlfrdur\fr rlurufrh hru2{hur{ntp3nth201 4p. 4h\tnhrfphplr 3 1 -fr rlpntplunip

Zurq.4purd

Urutrnp. 31.12.2014p. 31.12.2013p.

Ir{SF.{Lbf

nunlurLurh rlhqnqhhn 11 5,398 11,697

urdurlunnnhhnhh urnrlurb rlurnhhn h urtt rhnluurur{ntplnthhhp t2 566,726 420,891

}htlh riurnrlurh durilbhurn ulurhqnrl trhp4pntdhhp 13 s2,000 s2,000

lhrlhurburh r.thqnqhhn h nt trlntpul]rlh ru\urhr[rhn t4 t2,224 13,890

Junlqrl hr hp urnlr nutrhn l5 12,322 7,398

}r ruLtnhrlbhn 16 1,493 4t3

lh4unihtrp ru\urfnfrhf' 650,163 506,289

n I I nSI I.I nf nf.f€nl.LLbf

3urtrlrhnha utnruqdurb rhnhurnntFlnttrhhp h rlurn\hp t7 62,800

flhuln hurilru&urlLurqphp $frlnulruu\uhluarftuh hntu ntBt ntbhhnh hhur

17 43,532 40,145

'tlurnunulnnnr-plntbhhp 12 \urnunlurpnr-plrrtr h\rutnriunfp l8 1,354 967

t hnqnurilrlub dunibhururl|rh rlrnfuurnntplnthhhp 19 309,909 156,987

;[durnr] hr hp urn! nuhhp 20 8,652 3,252

ljtt ut urnurull npntpl ntbhhp 21 t9,496 3,834

C\ulfhhg "Tlurpurunlnpntpl nt1hhp 445,753 205,185

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{ruhnlrrunnruL urh h uru hururt 22 300,000 300,000

Ilurhnr-utnhbn 66

snruurhilurb lurhntlra (9s,6s6) I,104

1\rurfhhg \urrqfnnul 204,4r0 301,104

lb4urdhhp rqurpururtlnpntplnr-hhhp h \unqfnnul -" 6qo,l63 506,289

umlL slrhurhuur\urh hur2rlhrnrlmplnttrtrtpp phrlmLilhlh hururnu,rtnrlhlhh h ph\hpmp urh lh\ur{urlrntffrntr, ftg 0e.03.201sp.

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<< rrfb'In $FLULU >> nf'qq OtrC

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9fuur{np hru2rlurqurh

trh1ur 9urppftgutlt

.lurp4urbrt2 Ulrbuulutr

Page 4: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb

2014p. ah\urhriphpfr 31-]r 4pntpludp

Uruhnp. 3l.r2.20l4p. 31.12.2013p.

SnLnuruthh h lntrutnurnlnq h\ruilnurlrtp 3 130,215 51,368

Snhnuruthtr h lnftullurnhrq brufuuhp 4 Q:9.607) (8.884

gnnn urn\nuru1|rtr tr tnftutnltn[nq t\rurlntur 90,608 42,481

gnrf[rufrnh L urlt r[druptrhpfr urkupi{hburtfnunhhn

5 105,3,10 2r,369

Vndfrulrnh h ruJt {druphhpfr urhupnrl

bruhuhn

6 (3s4) (663)

'*Upurrup&r-prulfrtr qnpb'xppbkphg

unruorlurb qntu lurhntlB( rlhuu)7 (19,808) 230

U\rnfnfrhpfr hlllprur[np \npnrurnbhpfrgontu lurhntro/rlburu

8 (226,280) (r2,338)

Un qnnb'unbulh ruh hlr unlnrrnhhn 9 19,469 1,473

ftnpbrunlnu\rutr h\rutfnrubhp (31,025) 52,552

Chnhrutrnm rftunrrulrrub buhuhn 10 (65,887) (51,230)

Gruhnr-1pg/ (qhruug) rittltlt hrup\nrdp (96,912) L,322

Gurhnrpurhrup\fr qbnrl bulu.(rhnhrhruurntontr[)

(218)

druilurtnl\ru2pgutrb 2urhnqp (96,912) 1,104

tUntltr $|rtrubuur\urh hur2{bur{ntplmhhtpp ph4nttrtlhlh hurutnruuulhlth h ptr\hpntplurh qh\urrlurpnr-p1urh \nrldfrg 09.03.2015p' '

<< qfbr}n $FLULU >> nl'qrr OFC

$npbu4]rpphophtr'

efiururlnp hur2{urquh

Ftlur $rup$hguth

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Page 5: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

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2014p. r1h\urhriphpfr 31-fr lpntplunip

Unqh $]rtrurhuru\ruh hru2{bulimplnthhbpp phqntlnl{h hruuururunltlhtr tr pb\bpnr-plurh qt\rurlurpmplurtt \nqdl{ 09.03'2015p' '

<< rrr.brln $FLULU >.Ohr$r otrc

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$luurlnp hur2rlurqurl '{rup4utrm2 U}rlluulurlt

grutrntnurlpru\ruh

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l,rulunprl urruptlru $|rtlllruu\uttrpr[ntbpb d2qpu15l

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(96,9r2) (96,912)

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300,000 66 (95,656) 204,41O

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Page 6: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

'Ipuniur\urtr riir2nglrhpb hnuphplr rlurulrtr hru2rlbur{ntplnr-h

2014p. r1h\uhtiphpfr 31 -fr 4pntplunip

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<< qfyln $hLULU >> nh.{q OtrC

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trfuur Qurpplrtllurh

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31.12.2014p.

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Unrug{ub un\nuhtp 93,108 50,569

.{druprlurE urn\nuhtp (1s,618) (5,376)

gnpnrutnhhpfr {hpu\urliqbntrl 221

Ur.nurg{ub qnrtn \nrifrufrnh qnr-tituphhp 56,283 ?l ?o?

.{durprirub ur2}urur.nur{rupd. L 4puir hunlruuurptgrlrub tu11 tldurpnr-tltrhp (33,363) (26,616)

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Qnpburntru\urh ur31 h\urfntur/burluu (142,r8s)

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qurpurrutlnpntpl nthhhpfr rlrnrfrnluntpl nttrhhpf g rt3,271 (293,309)

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Furdhhurhphplr hhp4pnulhhpp \ruhnhru4ptu\ruh hfllhtu4prurintri 300,000

Ch+urlhhE tlnunp hF $htrurhuur hurtr qnFbnr-trhmPJ nthlrg (64,000) 300,000

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Page 7: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

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Page 8: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

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Page 9: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

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Page 10: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

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t."fu"tp1ry, npnhp qtnfrlUL tL' oq**q.rpbhlnrl $frhtuhuur\urh ur\urfnllr u\qptrur\uh urp4lnthutlhur un\nuur4nnllPE

(ulufrhph, u\qphru\urh-d*L*2.i*t, druriutru\ hru2{tup\r.ltub urprgnttrunlhur un\nutu4pntlpp): U\*h,llt hur2{h\2nur3flt

-paipp trqurqhgqnLd L qtuhnr-urnh h*Z,l1t rifr2ngntl: .{hurufr qnulurpp durhultlnttf t $frtnuLuru\urh ruprllnttrpl,tnh riurufrlt

hru2{htnrlnrplnthnr-rf: Clah {urp\p \urti rlfrhlr riurpnrilp qruhrlnrl trbp4pnttll nth}r r}n{rn}unth urn\nuur4llnllP' urulu

*pJ[qp\,i*h gruh\urgtut qrt*"hlturi*h 41tnr-1pp qu3r.iurhurqpn{ npn2rlurE tltrotugh\ ruprllnthun{brn tnn\nuturlpnr3ph L:

Ch\hpntplnrhp \*n.i L 2ur$hl urpdhqp\riuh tltnuu!-qnpbhptt trn*\*tr urpdhpf hlrtftutr rlpru' oquruqnpEhln{ rnhuruhh$

2nr-\u1ur\urh qhltp' -

apu:{n{ urquhntltlrub $frtrurhuu\ruh .u\r"tr'lh ru\h\urflnr1 uulyqru 4purtiur\urtr hnuphpfr hhp\tu urpdbpp

*p-*h*1-"i.i t qptqp bprugnrlibg runru2ugub 4pturiu\ruh hnuphpp' hurhub qpuqb d'hnp phprftuh h {tudunp}r hhtn

\urqrlurb burluuhpg, ruh\rulu qFu+ f pugrftuh hrurlurhru\urLrntplnr-hfrg:

Updhqp\tiruh lutipurlfrtr qtrurhururdurh trqurtnru\ntl, $$ruhuur\uh tu\urfnltrhpp |urlprurlnprlntri hl'r rrurqriu\hpqnr-plurLr'

.i*pq*lpfr 4-1,*\,.rpqrftutr Lhpp[h huliu\urpqfr hfrilruh ,b*, tfrp h*Zrlh t urnhnttf rlurp\urlfrtr "hu\h urltrq]rufr

phnpn2fr2hhp., tttr:ltr;hp hh ur\tnfnlfr urhuur\p, rup4lnrhurphpntplurh ntnFur*, ru2|uuphruqpur\ruh ltrppn, qFu+rnhuru\p, dturf\hqlul frtr \u pqurildru\p h rul l tlfurhurr'nfrul qnpbnhhhp:

U\urf1frhpf lu.lphplr ruuluqur 4purilur\urL hnuphpfr rfrnr]n]unr-plnrhhhpfr qhurhururnuf[ ulhqP t urpr'nurhur]uh b

hrutiurqurnruuluuhfr rnhuurhhfr \uqur\gtlurb tnrfuurfrhpfr r]rmlrnlunrplnthhhpfrh (opfrhur\' fmlrnluntplnthhhpqnpburqp\nrp3urh 4pnrSphhpnrti, qnr.lpb qhhpnrrf, rldtuprftuh \rupqunftrdur\ntri, \unf ]udpntti urpdhqp\ntilp rfturnhurh2nrl

tu11 qnpbntrhhpnui \rurf +ptuLg burlrufrhpnui): Uqurqur 4puniur\ruh hnupbpfr qhurhrutnilruh huriurp oqnurqnpb{nr1

,iip.ra"1"q1t*tr tt rl*pq*ttUpp urhph4hrurn tlhpurhru3rlnui hli gtuqriru\hpqntplurh \"1.ihg, npqhuqfr ht{ruqhgqlr

qhurhurtnrlrub h frpru\ruh {rurulihpfr rlfr2h \urb uurpp hpntp3 nthhhpp:

.{urp\hpg' \ruuilu\grlub qurhnruul-rhpfr hhur rih\urhr1, rlntpu th qptlnrd, hpp qn3ntplnilr lnttrfr urqruqurlnttl tl-n\hhurt{tupurqphlnr frpruurhutu\ruh hhnurh\rup, h pnlnp qpunfrhph ttp*g.lhL htr \urtf r]rn]uurtrgqhl gruqrftu\hpqntplutrS: bph

hu2nprlnrl ururpnttl ghuhururtlrub urpdhqp\rirutr r[rurufr qnr-ilurpp unlhluhnui \uni htlruqnui k urpdhqp\tiurh durtrur|Iurhg

Page 11: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

:

hur2np4nrl |rprurlupd.ntplnthtrhpir urprynthpnuf, uqul hurlu\irlinul durhur2{urb urpdhqp\ilurh titrurup urrlhllugrlntri \ruti

tr{urqhgrlntti t qruhmurnurl}rrr hur2frrlp d2qprnhlnr ri}r2ngnq: cph-u'qu'qo' 4-"tp" qpttttip hhuruqurlntri rlhpw\utrqtnlntil k'

*q* ritp*qurhqLq*t q,"ilpg qlUap**qptlnrri L ulurhntuurfr hur2{}rh:

$frLurtruur\urtr ru\tnflLhP

sirtrurhuru\rutr ur\tnl*lg (\u^I $frtrurhuur\urh rrr\urt tlh tifr rluup \u'i hilurhruufrq $fhrutruur\rutr u\rnfr{trhpfr to'trtt 'ih

tiurug) urqtudurhru2rlnui L, hpp'

' lptughl L ur\urfn{}rg rlpturiu\rutr hnuphp utnruhurlnt }rpunlnthpg. cglhpnrplnrhp rfrnluurtrgbl t *qrlpbg 4p*ri*q*u'ir.r,rpup uururhurlnt qruhurh2fr [pu^lnthpp' \tutt

qurhqtutrhl L urt4 frpurlnr-trpg, ild."di*u^l1pr{ntri i ',r-*g.1*b

qn*fupl-rhph rurlpnrpnrp*utip l:

drurltuf'u\irtr rlrnluurhghibfrnrprt q".lj[L' hurtitud'ur1h r]rn]uurhgr'furh hu[ludrulhurqpfr' h

. cL\bpnrplnr-hg (tu) rfrnluruhghl'L ru\rnbrlh ebr,i l^trp'"p"[upp h oqnttnhhptt qq*tt tfurup' \tuti (r):t'

rlrnlututrghl tr 'fr

qruhqurhhl ur\tnlr.tr qi"-.t p"1"p rl"qlpit rr o'".,ntrhntt qq*ft durug, uur\urlh rlrnluurhghl L

ur\uth.ltt tr\urtnrfturfp rlhpurhu\nlntplnthp:

bph ch\hpntplnrhg rlrniuruhghlL ru\.nt.lltg rlprutiru\ruti hnuphp utnurtrurlnt irpur{nttrpp b ir rfrn}uurtrghlnt fr rqurhqruhhl

*\*trllr qbnrl pnlnp nfu\hpfr t oqr,.*tiptt qq*$ rituuq, frtr:qhu. ft*ft * rlrnfutuhghl 'u\r"ttttt h\ururlu^ip

rlhpurhu\nr1ntp1nrhp, urqru tu\urir{p druhur2tin.ri'[ ,i1,rr2r, cltrun"t-rti-h' $frliurluur\urtr ur\rnfrr'lntrf 2urpnthru\ur\urh

rfuruhur\gntplnrhg: Anlutuhgrlnrl *\*hr{h hpru2}u}rpur3lrtr urulur\{ti*U AU utnurgurb 2urpnthru\ur\urlr riuruhur\gntplnthp

npn2{nrrl \ hhtntrlurl hp\nt tihbn.pln.lrt ipfi rri-q*q"yirtnrf ur\tnf*i}r u\qrhur\uh hru2{h\2nurlfrtr urpdhpp \tuti

,lrrrflt **rr.grfuih rlduptlllip q.tt'i*pp, np Qtr\hpntplnr-hfrg \*Ftr1 t qurhruh2rlhl:

Sfrtrurtiuur\urh rqurprnrfnlnpntpl nthhhp

$irhurhuru\urtr qruptnurtlnpntp3nthp urqrudtuhtu2tlnr-il t rulh druilruhu'\, hpr urlh rituprlnrri \uili lhru'ul t hrurirup{ntri'

\ruil purhnul L 4ptu ntdlr rlh2 iltrrulnt dunf\hrnp:

bpp qn3nr-plnrh nrhhgn4 $fhurhuru\urh ulurprnurtlnpntplnrhg rlrnluurpirhrlnr-rl k Lru\urhnphtr ururpphntl"tt ulurlrfurtrhhpnrl'

prulg rlirtrhnrlh rfrnlurunnr[h r{hpuphnn{ ulurprnur,l"p*ft:*rff, fr*ri hur\ruhnphh r}rnr}rnlutlntti hh qnlnrplnth nthtgnrl

uluprnru{npntpluh qtu*iuhhbpp, hrirutr ^r1t"p-rt*qrri.ip q*i r}rnrfn}untplnthp qhtnp L hurtrqhgh}r u\qphur\urlt

qruptntut{npnrplurh tu,qurdurlrut2Jurh h trnp qurpuru^lnpnrplruh durhtu2rluh, fru\ hu^iuruluruuru}uurh hur2{h\nulfrtr

urpdtphhpfr **ppupo.plnttrp dur-1.u2{n.rl L $irurutturu\urh urp4lnttrptrhpfr rturufrh hu2{htnrlntplnthntrf:

.lurF&ur\urtnPlnth

QnpburnLur\urh {urp&ur\ur1nr-p1nth' Ch\hpntplnr-hp npqhu tlurp&ur\u1

u\ufr{trhpir tlurpaur\ur1ntp1nrhp, npnhg uhr}nu\rutnunrpluh hhrn \uruliurb nfru\hptr nt oqnturhhpp qurhu|uh{ntti hh

{rup&utnnrfr qn\rfbg, a*"*q*pq,1"..i t .puliu qnpburnhur\uh: Qnpburnhru\ruh rlurp&u\urlnrplnttrfrg urnu2urgnrl

rlurpd.u^ldurplrhpt bruluu hh durhur2rlo.rt qt*lpu itp.t4ttrl tfurp&u\urlntp3urtr druriurhur\urhurtnrlurbfr phpurgpntti tr

hhpurnrlnr-ri hh url 1 qnpburnhur\ruh burluu hpntrf:

Ztnlbur\urh rltrgngbhn

?

Zfrlfrur\utr rifr2ngbhpp hur2rlurnrlnrri htr u\qphu\utr urpdhpnrl' hurhuib \ntuur\tlrub ilur2rlrubntplnthp: bph hf[Itrur\urh

.iirSt'tr rlrnluhul.nntgrlnrl qnr-rftunn t"pp L .fp* hru2r{h\2nurlirh urpdhpfrg, ruqur durltuhur\ru{np thruriurpr{nr1

ulurldrutrhhpfr tuprynthpnuf, huniurulur-*,rlo*1, *\*ttrlE hrlruqhg{ntil L rlfrhlr ur1r1rfrn}uhururntgr'lnr1urpdhpp:

Page 12: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

F

Lhu2{rubnrplnrhp hur2rlurp\{nrd t qbur3bL rihpn4n{, npfr hfnipnui ph\ub t ru\rnfnftr oqurur\up burnrulntplurtr duril\hug:kfrpurn{h1 htr riur2tlrubnrp3urh hhurh3ul r.nurph\urlr rlpntlptu2urthnp

Oquu\tupErlnrulntplrulr

dunltrhu (rnurplr;

'Ipnr-1 prrr2rurlr (7o)

Qnrl p tr qpruuhhl ur\ur1 frh uru ppru {n pntrih h p

Zurtfur\urpqfrfrhp

U11 hfilLu\tutr dfr2nghhp

5

1

5

100

20

Zfrltrur\urh rifr2nghhph t{hpuhnpnqriurtr tr qruhqtutnituh Etu}uuhpp duhur2rlntri hh $frhutruru\urtr urprynr-hphhpf tlurufrhhur2{htnrlntplnthnr-il ulh duniurhur\urhuru{urbnr-rf, npnul r}Furbp urh{r htr nttrhghs,9ruulhururl ptrntlpf t{hpurLnpnqriurtrbru[uuhpg trhpurnrlntil hh ur\urfn{ir hur2rlh\2nurlfh urpdhpfr rlh2, hpp hru{urhur\tuh t, np r}FruLg 2trnphf{ urnur2rugruburulurqur urhurhuur\urh oqnrurhhpg' urqhltr 2urur, purh ur\tr\urllnr-rf tp u\rnfrtlfr hnprirutnfr{urlfrtr gntgurhhZlrhftttu\qphur\tuh qtrurhruirrnr-rifrg \hnuhtr +hqh Ctr\hpntplnrh: 9uqflnurl rlhpurhnpnqntrlhhplr tiur2{urbnrplnthphu2{rup\tlntri t hruriruultuuuru}utuh *\*tr,lh dhurgnp4urlfrh oqunu\up brunurlnr-pltuh phptugpnrtf:

Zlrilhur\urtr ilb2ngbhph otnurpntrlfrg btufuuhpp h h\urr.inr-ntrhpp npn2tlnrri htr' hurtthriururhlnr{ .u\urttr{h ouurpntrlfrg qnrurrintr.nphph nr hur2rlh\2nrulfrh urpdhpp h hhptun{nr-ri hh qnpEruntrur\rutr h\rutfurf tlh2:

'lhpruqhuhurnntr.ifrg updhpfr urdp tlhpruqprlnr-il k 2pur2fut{urb 2ruhnr3pfh' \urqriru\hpqntpluh \"rtrihg ur\ufn[rhpfoqr.nurgnpbriurhp qnt(phpurg: .{hpuqptlnrl qntrirupf ilhbntplnrhp hur{uuup L ur\rnfr{trhpfr {hpuqhruhtutntlubhru2rlh\2nurlfrtr urpdhplr hinirutr tlpur hur2rlrufrh{rub rftu2t{rubnrp3ruh h ur\tnfr{rhp}r u\qplnu\tuh urpdhp}r hfriluh rlptuhur2rlrup\tlub rlur2tluEnrplurtr rilr2h hrltub ururpphpntplurhp:

bpp {hptuqhurhruur{tub ur\rnfr{rhpp 4nrpu hh qptlnttf \ruil ouurp{nul hh, orntuptlurb ur\rnfrtl}rtr tlhpruqph$ h{hpuqhurhurnriurh quhntuurntri hhpuntltub qnrilruphhpp rltpruqp{nrtf htr 2pru2}u{ub 2uhnr-1pfrh:

O: lrtmpur\urh urlturhrltrhn

O2 hl nrpurl urh ur\urfnfrhpp h hpru nn r-ti hh h uriur\urpqturJ hL bpruqphpp:

Unuhdfrtr dhnp php{urb n2 hlntpru\tuh ru\ur{rtrtpp u\qphur\rutr durhur2riuh duniruhru\ 1ul}rrlnrti hh irhpLupdhpntl:U\qphur\tuh durhu2nr-ilfrg hhun n2 hlnr-pur\ruh u\urt$rhhpp hu2t{unrlnui htr frLphtupdhpnr{' huhurb \nrurtu\{tuEuilnprnfrqru gfnutr tr gtuhur\rugurb \nunur\{urE rupdhql\ilurh burfuu :

fI! trlntpur\tuh ur\nftltrhpfr oqrnur\up burnrulnrplurh duri\htnlihpl \urpnrf hh [rhh1 npn2ur\fr h tuhnpn2: flpn2hfroqtnur\rup Erunulntplurh drurf\brn nthhgnqhhpg ulinprnfrqurgtlnr-tf hh qburSfrh rihpnrlntl 10 ururprlru phprugpnui hqtruhunntlnul hh rupdhqp\ritutr htuilurp, hpp urn\tu htr rupdhqp\riruh hruur\urtrfr2hhpp: Opn2h[r oqurur\urp burnurlntplurtrdunf\htn nrhhgnrl tu\tnfrtihhpfr uninpurfrqurgbulh druriurhru\uhuurt{urbtrhph nr rlhpn4hhpp t{hputnul{nr-il hh runtrtltuqhl ntpurpurhy nrp $frhurhuru\urh rnrup{ur rlhp2frh:

Oqrnru\urp.btunurlntppuh ruhnpn2 duni\hu nthhgnrl n2hlnr-pru\urtr-ru\rnfnltrhpp ltL uilnpurfqurgtlnuf, purlg unupfrh rlh\tuhquril uurntqtlntrl hh rupdhqp\r.ituh hrurlurp tuhhuurur\urL \uil rlprudurlfrh tifr2nghhp uuhrlbnrl,Ih*rl"nh jru\tupautq"q'Oqnur\rup brunurlntplurh uhnpn2 dunf\htn nrhhgnrl uh*tnllt oqurur\urp burntulnrplutr durd\hrnp rlhpruhurplnql tlntprupurh2lntp uupfr' qurpqhlnr- hrur.Iurp, ph ruFrynp tu\*ttrllr oqtnur\urp burnrulnrplruh dunf\hurp qirrlru urhnpn2 Lqhurhruurrlnril:

Zuilur\rupqSulfrh bpuqphpir qurhqurhrltuhp rihpurqphfr Eurluuhpp burluu hh durhur2rlnttl runur2urgrlurh qurhfrh:

Page 13: unr.'Ihs ubrq,Fu - credo · 2015-08-08 · Zudrurqruprflu\ $]rtruburul4uh ruppn&pbhp[r rftuufrh hru2rlLurtlnrplnb 2014p. ah\urhriphpfr 31-]r 4pntpludp Uruhnp. 3l.r2.20l4p. 31.12.2013p.

i

Onturunnrrarnr-trbhn

Onluurnntplnrtrhhpp, npntrp hhpurnmil hh tu11 $lrhrutruur\rutr \urqriur\hpqntplnttrlrhpfr,$nluuruntlrhplr h hfrtibuafq

ff"ttritt tr\ruutiuril q*p**.1ttp"tp1nthhhpp, u\qphurqhu drutrur$ntri hh uurugr{urb qnttrr rlnunphpfr frpur\utr urpdhpn{

hurhurb ru1rlfr2urulhu ,itp*qpt6 qnpburnhtu\urh burfuuhpp: U\qptnu\urh qlruhururnulfrg hhtnn {rn}uurnntplnthtrhph

hru2{runrlntti ttr *rt"prrrltqrugtlrub urpdhpn{' oqrnugnpbbln{ ruprl3nrhurlhrtt rrrn\nuurlpntlpfr tihpn4p: Cuhntlpp \uni.1r^uup druhurllnrti L $frtluhuu\urh urp4lnrltptnh rluufrtr hur2r{hrnr{ntplmhnui urSh drurfurtrur\' hpp urqurdurhuSlntd hh

qurprnullnpntplnr-hhhpp, frh2ultu hruh ruilnptnfrqurghnL ptrpurgru\urpqfr rlf2ngnrl:

'Tlurhnr-uuhtF

,tlurhnruurp durtrru:r{nuf k urlh duniurhur\, hpp Ctr\hpntplnrhh urhgltul lhnlphph urp4lnthpntri nrhfr frptu{ru\tub \uril

\runnrgnrlur\urh qurprntutlnpnr-p1nth h, hur{utrur\rutr L, np quptnullnpnrplruh tiurpnttlp \quhuh2fr tnhuhuur\uh

oqrrr-t tp druprflrutlnpnrl rifr2nghhpb upururhnup h hhurprurlnp qlttlth qurpururtlnpntplurL qnlrfurpp

rupdurhruhrurlururnphtr qhurhrur.nhl:

CurhurFurdhtrhhF

Ctuhurpurdfrtrtrhpp durtrur$nrti hh npqhu qtupururtlnpnr-plnttr tr hu2rlh\2nurlfrh uriluurptfr 4pntp3unlp trtlruqhg{ntrf hlt

\ruqfrtnurfrg rlfnultr tu1h 4hqpnril, hph lpurhp hurluurpuptlhl hh rlfrtr2h hui2rlh\2ntulfrh turiuurpfrrln \*ri u-r14 rurfurup{rh:

Curhurptudfrtrtrhpp ptuguhurltnt{nril hL, hpp 4Furhp runru2urp\rlnr-d hL rifh2h htu2rlh\2nrulfrh uliuurpfr{p' \*riurnur2urp\rlnril \*ri hur3r.nupurp{nrri hL hru2tlh\2nurlfrtr uniuurptl}rg hhrnn, Fur1g rlfrh2h $frhurhuur\urhhur2rlhul{ntp3 nthtrhpfr huruuururnttip hpruqurpru\tlurtr hrurfurp:

2tucrlurhqntil

$frhurhuur\rufi ru\rnfr{ilrhph nt qrupurutlnpnrplnrhhhpp, h\urtinunhhph nt btuluuhpp hur2rlurhgrlntri hh tr qnttn qntiltupp

tupurugnllnr-rf k hru2tlh\2nnrtf, hph qnlntplnttr nr-hlr durhrullrub qntrlurphhpir hru2{urhgrlurtr ophtru4pnphh huruururntltub

frpur{nlhp, h run\ur t qnrur qnttltuptrhpfr h}rtftub r$u hu2{rutrgrftuh \uni ru\rnfr{r frpugrlurh nr- rifrudruriurhu\qruprnrur.lnpnlplurh rirupriruh tluu4pntp1nth:

rrurfrhnpurqntJtr hur24ulrlurhurllurh qlrurhururntrlhhp h rlunnn4nr-folnthhhF

$ZLUU-| hunlurd.uih $frhutrutu\tuL htu2rlhurlnrplnrhhhpfr qurtnpruutnntilp qruhurh2ntti t, nP Ctr\hpnr-p1urh

th\unlupntplnthp \unnurpfr \ruphnpurqnr-1h hur2r{urqruhur\ruh qliurhrutnntrihhp, rlururnrlntpSnthhhp b

hhprurlpnrplnrhhhp, npntrp uq4hgnr-p3nrtr htr pnrfrnui $frtnutruur\uh hru2rlhtntlntplnttrtrhpfr urtiutuprllr 4pntplurilpur\tnfrtfrhpfr h ulurprnrur{npntplnttrhhp}r hhp\urlugrlnrl qntr.furptthptt, frtr2qhu hurh hur2r{hurnr- druilurhur\ur2p2uLft

burluuhpfr h t\ulinrurhbpfr rlpru: 'Tluurr.iur\urh rlt"p&h tr urlurl qurliurhtrhpntri hflihur{nprlub ur11 qnpbnhhhpfr r$uhfnlhrlurb qhurhurr.nnrilhhph nL +1rurhg hhtn \ruqrlurb bhpur4pnrpSnrtrhhpp hhrupunlnpntplnth bL tnurfru

+urunrlnLfdlnr-hhhp urhhl tu\urfn{trhpf li qupr.nunlnpnrplnrhhhpfr hur2t{h[2ntulfrtr urpdhhphhpfr rlhpurphplurS npnhp

hhurpunlnp 2t npn2h1 urJL iuqplnlptrhpfg: trn1np qtulphpnul, jrurltuE qhurhrurnnrdhhpp hfriltr{nttf bh rlh\utlurpntp3uh

\"rtrittg nhfoutgh\ |rpu4urp&nrplnrtrtrhpfr lunlulnt3h quru\hpurgnrilLrhpfr r$u, {rururnugfr tuprynthphhpp .ltpZhtt hur2r{n{

\*pr\ hh ulupphp{h1 \turnruprlrub qhurhururnnihhpfrg:

Lhp\ur3urgrlnrl $|rhrutruru\urh hur2tlhutlnrplnttrtrhpfr urnntrlnr{ tr2urtrur\urfrg 4urnnrlntplnttrtihpp h qhruhurunttihhpgtrhp\tupugr{nr-ri hh uurnph:

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31.122014n. 31.12.2013p.

ur) bnhuh 603,513 432,474

p) {urtno 6np 8,177 880

o)Vnururp 1,156 5,8s1

lbnunthhn 612,840 439,20s

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