| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 910,423.6 | 646,893.9 | 947,176.9 | 669,994.3 | 264,329.1 | 3,438,817.8 | | PRIMAS EMITIDAS | 1,403,102.9 | 843,659.3 | 1,132,058.7 | 755,188.6 | 311,938.3 | 4,445,947.8 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 328,293.6 | 125,967.4 | 179,130.7 | 67,084.3 | 44,571.8 | 745,047.8 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 164,385.6 | 70,798.0 | 5,751.1 | 18,109.9 | 3,037.4 | 262,082.0 | | PRIMAS CEDIDAS | 425,923.0 | 92,263.6 | 240,471.9 | 337,344.9 | 125,989.2 | 1,221,992.6 | | PRIMAS CEDIDAS AÑO ACTUAL | 567,845.2 | 121,934.7 | 243,106.7 | 337,344.9 | 128,918.8 | 1,399,150.3 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 141,922.2 | 29,671.1 | 2,634.8 | 0.0 | 2,929.5 | 177,157.6 | | PRIMAS RETENIDAS | 484,500.6 | 554,630.3 | 706,705.0 | 332,649.4 | 138,339.9 | 2,216,825.2 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 64,207.6 | 35,572.5 | 60,482.0 | 26,749.3 | 2,487.7 | 189,499.1 | | MATEMATICA Y POR CUENTA DE INVERSION | 46,915.2 | 305.7 | 33,536.7 | 2,565.5 | 71.9 | 83,395.0 | | PRIMA NO DEVENGADA | 17,292.3 | 35,266.8 | 26,945.3 | 24,183.9 | 2,415.7 | 106,104.0 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 2,735.1 | 5,153.4 | 7,332.1 | 15,566.4 | 1,550.8 | 32,337.8 | | RESERVA CATASTROFICA | 4,114.1 | 16,217.7 | 7,557.3 | 7,403.4 | 2,233.5 | 37,526.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 217,361.3 | 213,608.3 | 291,577.9 | 107,404.7 | 53,250.0 | 883,202.2 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 330,226.9 | 253,673.7 | 380,661.4 | 231,344.7 | 103,880.5 | 1,299,787.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 98,904.2 | 36,874.9 | 88,670.4 | 141,409.0 | 47,619.9 | 413,478.4 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 5,421.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5,421.5 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 8,539.8 | 3,190.6 | 413.0 | -17,469.0 | 3,010.6 | -2,315.0 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 196,082.6 | 284,078.4 | 339,755.7 | 175,525.6 | 78,817.9 | 1,074,260.2 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 137,463.3 | 159,654.1 | 163,775.7 | 133,609.8 | 47,405.4 | 641,908.3 | | COSTO DE ADQUISICION | 90,680.1 | 51,705.7 | 113,538.8 | 54,063.3 | 24,489.9 | 334,477.8 | | OTROS GASTOS DE ADQUISICION | 20,599.9 | 43,370.8 | 25,523.2 | 51,417.9 | 14,022.5 | 154,934.3 | | COSTOS DE EXCESO DE PERDIDA | 26,183.4 | 64,577.6 | 24,713.7 | 28,128.5 | 8,893.0 | 152,496.2 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 129,396.5 | 126,780.1 | 209,054.6 | 73,318.9 | 46,250.1 | 584,800.2 | | GASTOS DE ADMINISTRACION | 140,768.1 | 134,153.2 | 218,081.0 | 83,890.0 | 49,444.4 | 626,336.7 | | DERECHOS DE EMISION | 11,371.6 | 7,373.1 | 9,026.3 | 10,571.1 | 3,194.3 | 41,536.4 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -120,553.8 | -35,171.8 | -41,226.8 | -41,406.0 | -20,524.6 | -258,883.0 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -17,710.5 | 2,631.0 | 721.7 | 1,085.0 | -216.0 | -13,488.8 | | UTILIDAD (PERDIDA) TECNICA | 32,066.0 | 35,447.0 | 8,873.9 | 11,087.9 | 5,471.1 | 92,945.9 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 19,564.0 | 43,731.8 | 77,024.4 | 10,890.3 | 9,977.1 | 161,187.6 | | DE INVERSIONES | 20,033.3 | 48,959.7 | 74,127.0 | 14,878.6 | 10,515.2 | 168,513.8 | | POR VENTA DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | POR VALUACION DE INVERSIONES | -2,008.8 | 0.0 | 0.0 | 0.0 | 0.0 | -2,008.8 | | OTROS PRODUCTOS FINANCIEROS | 1,539.6 | -5,228.0 | 2,897.4 | -3,988.3 | -538.1 | -5,317.4 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 4,942.7 | 24,994.6 | 28,185.7 | 7,652.7 | 6,570.1 | 72,345.8 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 38,216.2 | 50,591.9 | 90,731.9 | 26,732.9 | 16,611.4 | 222,884.3 | | EGRESOS POR TIPO DE CAMBIO | 33,273.5 | 25,597.4 | 62,546.3 | 19,080.3 | 10,041.4 | 150,538.9 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 727.5 | 1,893.3 | -234.1 | 8,254.1 | 621.3 | 11,262.1 | | OTROS PRODUCTOS | 2,743.3 | 8,532.1 | 12,299.6 | 9,099.5 | 1,697.6 | 34,372.1 | | OTROS GASTOS | 2,015.8 | 6,638.8 | 12,533.7 | 845.4 | 1,076.3 | 23,110.0 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 57,300.3 | 106,066.5 | 113,849.9 | 37,884.9 | 22,639.6 | 337,741.2 | | IMPUESTO SOBRE LA RENTA | 12,853.4 | 11,893.0 | 0.0 | 7,435.2 | 4,270.5 | 36,452.1 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 44,446.9 | 94,173.6 | 113,849.9 | 30,449.7 | 18,369.1 | 301,289.2 |
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