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| COMPAÑIAS
DE SEGUROS |
| ESTADO DE
RESULTADOS ACUMULADOS DEL 1ERO DE ENERO AL |
31 DE ENERO DE 2003 |
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| (En
Miles de Córdobas) |
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CONCEPTO / PERIODO |
Guia
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AMERICA |
% |
SEGUROSSA |
% |
INISER |
% |
METROPOLITANA |
% |
PACIFICO |
% |
TOTAL |
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de % |
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INGRESOS POR PRIMAS |
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| 1 |
Ingreso Neto de
Primas |
1/1 |
23,571 |
100 |
10,539 |
100 |
39,310 |
100 |
10,004 |
100 |
4,171 |
100 |
87,595 |
100 |
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| 2 |
(-) Primas x
Reas. y Reaf. Cedido |
2/1 |
15,434 |
65 |
5,038 |
48 |
14,140 |
36 |
7,041 |
70 |
2,574 |
62 |
44,227 |
50 |
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| 3 |
Primas Retenidas |
3/1 |
8,137 |
35 |
5,501 |
52 |
25,170 |
64 |
2,963 |
30 |
1,598 |
38 |
43,369 |
50 |
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| 4 |
VARIAC. DE RESERV. TEC X RETENCIÓN |
4/3 |
2,149 |
26 |
1,163 |
21 |
4,307 |
17 |
813 |
27 |
-379 |
-24 |
8,053 |
19 |
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| 5 |
Margen para
Siniestros y Gtos. de Operación |
5/1 |
5,988 |
25 |
4,337 |
41 |
20,863 |
53 |
2,149 |
21 |
1,976 |
47 |
35,313 |
40 |
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COSTOS DE SINIESTRALIDAD |
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| 6 |
Siniestralidad
Neta |
6/1 |
4,553 |
19 |
472 |
4 |
7,310 |
19 |
2,976 |
30 |
425 |
10 |
15,736 |
18 |
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| 7 |
Neto Recup. por
Reaseguros/Reafianzamiento |
7/2 |
2,387 |
15 |
0 |
0 |
456 |
3 |
1,133 |
16 |
157 |
6 |
4,133 |
9 |
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| 8 |
Costo de
Siniestralidad por Retención |
8/3 |
2,166 |
27 |
472 |
9 |
6,854 |
27 |
1,843 |
62 |
268 |
17 |
11,603 |
27 |
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| 9 |
Gastos por
Exceso de Pérdida Catastróficas |
9/3 |
815 |
10 |
1,396 |
25 |
2,082 |
8 |
180 |
6 |
372 |
23 |
4,845 |
11 |
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| 10 |
Total Costos +
Gastos Exc Pérdida (Neto) |
10/3 |
2,981 |
37 |
1,868 |
34 |
8,936 |
36 |
2,024 |
68 |
640 |
40 |
16,449 |
38 |
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| 11 |
Margen para
Gastos de Operación |
11/1 |
3,007 |
13 |
2,470 |
23 |
11,927 |
30 |
125 |
1 |
1,336 |
32 |
18,865 |
22 |
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GASTOS OPERACIONALES |
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| 12 |
Gastos de
Adquisición y Renovación |
12/1 |
1,462 |
6 |
1,246 |
12 |
5,089 |
13 |
806 |
8 |
665 |
16 |
9,268 |
11 |
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| 13 |
Gastos de
Administración |
13/1 |
3,236 |
14 |
1,607 |
15 |
7,205 |
18 |
1,718 |
17 |
1,217 |
29 |
14,983 |
17 |
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| 14 |
Total Gastos de
Operación |
14/1 |
4,698 |
20 |
2,853 |
27 |
12,294 |
31 |
2,524 |
25 |
1,882 |
45 |
24,251 |
28 |
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| 15 |
(-) Comisión por
Reaseg y Reaf Cedido |
15/2 |
1,756 |
11 |
1,303 |
26 |
3,389 |
24 |
1,451 |
21 |
629 |
24 |
8,528 |
19 |
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| 16 |
Gastos Netos
Operacionales |
16/3 |
2,942 |
36 |
1,550 |
28 |
8,905 |
35 |
1,073 |
36 |
1,253 |
78 |
15,723 |
36 |
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| 17 |
Utilidad
(Pérdida) Operación |
17/3 |
65 |
1 |
920 |
17 |
3,022 |
12 |
-948 |
-32 |
84 |
5 |
3,143 |
7 |
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PRODUCTOS Y GASTOS FINANCIEROS |
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| 18 |
Productos
Financieros |
18/1 |
395 |
2 |
439 |
4 |
2,850 |
7 |
605 |
6 |
276 |
7 |
4,565 |
5 |
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| 19 |
(-) Gastos
Financieros |
19/1 |
169 |
1 |
438 |
4 |
1,794 |
5 |
91 |
1 |
32 |
1 |
2,524 |
3 |
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| 20 |
Utilidad
(Pérdida) Productos y Gtos Netos Fin. |
20/1 |
226 |
1 |
1 |
0 |
1,056 |
3 |
514 |
5 |
244 |
6 |
2,041 |
2 |
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ING. Y EGR. X VARIAC. TIPO DE CAMBIO |
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| 21 |
Ingresos por
Variac. en el Tipo de Cambio |
21/1 |
594 |
3 |
314 |
3 |
2,418 |
6 |
762 |
8 |
450 |
11 |
4,538 |
5 |
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| 22 |
(-) Egresos por
Variac. en el Tipo de Cambio |
22/1 |
528 |
2 |
166 |
2 |
1,955 |
5 |
524 |
5 |
192 |
5 |
3,365 |
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| 23 |
Utilidad
(Pérdida) por Variac Tipo de Cambio Neto |
23/1 |
66 |
0 |
148 |
1 |
463 |
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238 |
2 |
258 |
6 |
1,173 |
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OTROS PRODUCTOS Y GASTOS |
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| 24 |
Otros Productos |
24/1 |
258 |
1 |
95 |
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720 |
2 |
167 |
2 |
154 |
4 |
1,394 |
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| 25 |
(-) Otros Gastos |
25/1 |
0 |
0 |
8 |
0 |
232 |
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17 |
0 |
6 |
0 |
263 |
0 |
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| 26 |
Utilidad
(Pérdida) Otros Productos y Gtos Netos |
26/1 |
258 |
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87 |
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488 |
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150 |
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148 |
4 |
1,131 |
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0 |
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0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
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| 27 |
Utilidad (Pérdida) Neta a IR |
27/1 |
615 |
3 |
1,155 |
11 |
5,029 |
13 |
-46 |
0 |
733 |
18 |
7,486 |
9 |
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| 28 |
(-) Impuesto S/Renta |
28/1 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
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| 29 |
UTILIDAD (PÉRDIDA) NETA DESPUES DEL IR ACUMULADO |
29/1 |
615 |
3 |
1,155 |
11 |
5,029 |
13 |
-46 |
0 |
733 |
18 |
7,486 |
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| Las pequeñas
diferencias que se presentan son por redondeo de cifras |
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Inicio de Operaciones: |
America Dic/96 |
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Metropolitana Dic/96 |
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| * BALANCES NO
AUDITADOS |
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Segurossa Dic/97 |
Pacifico
Mar/97 |
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Iniser Dic/98 |
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T/Cambio al 01/31/2003:14.7440 |
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