| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,089,807.9 | 717,409.8 | 1,051,999.8 | 726,478.2 | 291,972.0 | 3,877,667.7 | | PRIMAS EMITIDAS | 1,635,541.4 | 926,784.3 | 1,249,476.1 | 817,765.8 | 341,184.6 | 4,970,752.2 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 380,043.4 | 137,746.1 | 191,725.2 | 73,068.9 | 46,175.1 | 828,758.7 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 165,690.1 | 71,628.4 | 5,751.1 | 18,218.7 | 3,037.4 | 264,325.7 | | PRIMAS CEDIDAS | 537,846.2 | 107,905.2 | 258,974.4 | 362,236.2 | 135,936.0 | 1,402,898.0 | | PRIMAS CEDIDAS AÑO ACTUAL | 680,949.5 | 137,744.6 | 261,609.3 | 362,236.2 | 139,553.8 | 1,582,093.4 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 143,103.3 | 29,839.4 | 2,634.8 | 0.0 | 3,617.8 | 179,195.3 | | PRIMAS RETENIDAS | 551,961.7 | 609,504.6 | 793,025.3 | 364,242.0 | 156,036.1 | 2,474,769.7 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 73,496.9 | 38,433.1 | 66,976.0 | 27,982.2 | 3,946.2 | 210,834.4 | | MATEMATICA Y POR CUENTA DE INVERSION | 50,629.2 | 264.6 | 36,901.0 | 3,033.8 | 54.5 | 90,883.1 | | PRIMA NO DEVENGADA | 22,867.7 | 38,168.5 | 30,075.0 | 24,948.4 | 3,891.6 | 119,951.2 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 2,764.6 | 4,806.2 | 7,016.8 | 17,743.6 | 1,391.4 | 33,722.6 | | RESERVA CATASTROFICA | 4,655.9 | 17,773.8 | 8,361.3 | 7,953.7 | 3,057.8 | 41,802.5 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 237,344.5 | 227,573.1 | 317,188.4 | 114,973.7 | 59,876.1 | 956,955.8 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 360,665.9 | 270,971.5 | 416,771.8 | 244,593.9 | 111,278.8 | 1,404,281.9 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 102,874.7 | 29,232.0 | 94,349.2 | 147,382.3 | 48,380.9 | 422,219.1 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 9,342.5 | 9,390.4 | 0.0 | 0.0 | 0.0 | 18,732.9 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 11,104.2 | 4,775.9 | 5,234.2 | -17,762.1 | 3,021.8 | 6,374.0 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 233,699.8 | 320,918.5 | 393,482.8 | 195,588.7 | 87,764.5 | 1,231,454.3 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 159,258.5 | 173,935.8 | 192,149.9 | 143,430.9 | 55,202.5 | 723,977.6 | | COSTO DE ADQUISICION | 106,903.8 | 57,085.9 | 128,747.7 | 58,820.0 | 27,035.5 | 378,592.9 | | OTROS GASTOS DE ADQUISICION | 23,302.8 | 48,785.7 | 34,740.0 | 53,885.2 | 17,228.1 | 177,941.8 | | COSTOS DE EXCESO DE PERDIDA | 29,051.9 | 68,064.3 | 28,662.2 | 30,725.8 | 10,938.9 | 167,443.1 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 146,313.3 | 141,552.9 | 234,860.3 | 81,438.3 | 50,467.8 | 654,632.6 | | GASTOS DE ADMINISTRACION | 158,654.5 | 149,756.7 | 244,696.9 | 92,877.9 | 54,058.4 | 700,044.4 | | DERECHOS DE EMISION | 12,341.2 | 8,203.7 | 9,836.6 | 11,439.6 | 3,590.6 | 45,411.7 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -141,332.2 | -37,428.1 | -44,353.0 | -46,015.5 | -25,290.5 | -294,419.3 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -17,885.7 | 2,572.9 | 728.4 | 1,090.8 | -216.0 | -13,709.6 | | UTILIDAD (PERDIDA) TECNICA | 51,574.5 | 45,430.7 | 11,553.9 | 17,825.9 | 7,168.8 | 133,553.8 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 22,010.0 | 51,271.2 | 81,765.3 | 12,341.8 | 10,623.2 | 178,011.5 | | DE INVERSIONES | 22,319.0 | 53,589.0 | 80,286.0 | 16,414.8 | 11,547.0 | 184,155.8 | | 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 | 1,699.9 | -2,317.7 | 1,479.3 | -4,073.0 | -923.7 | -4,135.2 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 5,326.1 | 27,582.3 | 31,801.3 | 8,486.8 | 7,249.2 | 80,445.7 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 42,172.3 | 55,574.7 | 100,451.9 | 29,250.9 | 18,247.6 | 245,697.4 | | EGRESOS POR TIPO DE CAMBIO | 36,846.2 | 27,992.4 | 68,650.6 | 20,764.1 | 10,998.3 | 165,251.6 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 823.0 | 4,660.9 | -3,289.1 | 9,716.7 | 906.2 | 12,817.7 | | OTROS PRODUCTOS | 2,838.8 | 8,699.9 | 12,682.3 | 10,814.2 | 2,092.9 | 37,128.1 | | OTROS GASTOS | 2,015.8 | 4,039.1 | 15,971.3 | 1,097.6 | 1,186.7 | 24,310.5 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 79,733.7 | 128,945.1 | 121,831.3 | 48,371.1 | 25,947.5 | 404,828.7 | | IMPUESTO SOBRE LA RENTA | 19,238.5 | 12,839.6 | 0.0 | 10,375.7 | 5,472.7 | 47,926.5 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 74.5 | 0.0 | 0.0 | 0.0 | 74.5 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 60,495.2 | 116,180.0 | 121,831.3 | 37,995.3 | 20,474.8 | 356,976.6 |
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