| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 631,209.7 | 435,501.2 | 587,545.0 | 446,660.0 | 170,131.0 | 2,271,046.9 | | PRIMAS EMITIDAS | 1,002,298.0 | 545,449.2 | 706,236.1 | 627,906.5 | 230,473.5 | 3,112,363.3 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 147,345.5 | 52,200.6 | 118,691.1 | 156,489.4 | 60,342.5 | 535,069.1 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 223,742.8 | 57,747.4 | 0.0 | 24,757.0 | 0.0 | 306,247.2 | | PRIMAS CEDIDAS | 335,777.1 | 57,378.4 | 142,832.6 | 238,199.1 | 77,286.0 | 851,473.2 | | PRIMAS CEDIDAS AÑO ACTUAL | 520,026.4 | 83,798.1 | 142,846.0 | 238,199.1 | 77,286.0 | 1,062,155.6 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 184,249.3 | 26,419.6 | 13.4 | 0.0 | 0.0 | 210,682.3 | | PRIMAS RETENIDAS | 295,432.6 | 378,122.7 | 444,712.5 | 208,460.9 | 92,845.0 | 1,419,573.7 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 32,542.2 | 28,144.6 | 28,968.4 | 10,495.0 | 6,341.8 | 106,492.0 | | MATEMATICA Y POR CUENTA DE INVERSION | 19,881.6 | 168.3 | 18,872.4 | 1,411.7 | 62.3 | 40,396.3 | | PRIMA NO DEVENGADA | 12,660.6 | 27,976.3 | 10,096.0 | 9,083.3 | 6,279.5 | 66,095.7 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 3,953.3 | 3,526.6 | -1,541.2 | 15,657.4 | 1,183.5 | 22,779.6 | | RESERVA CATASTROFICA | 2,765.7 | 11,334.5 | 4,485.8 | -7,664.6 | 985.9 | 11,907.3 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 140,056.4 | 127,040.2 | 199,128.8 | 69,084.6 | 36,961.8 | 572,271.8 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 186,072.1 | 146,221.3 | 274,681.4 | 142,079.7 | 57,491.9 | 806,546.4 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 40,264.6 | 19,460.1 | 60,354.7 | 84,109.1 | 17,416.8 | 221,605.3 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 2,105.8 | 0.0 | 0.0 | 0.0 | 0.0 | 2,105.8 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 3,645.3 | -278.9 | 15,197.9 | -11,113.9 | 3,113.3 | 10,563.7 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 116,115.0 | 208,076.9 | 213,670.6 | 120,888.6 | 47,371.9 | 706,123.0 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 84,618.3 | 98,017.9 | 93,169.0 | 81,624.8 | 29,704.2 | 387,134.2 | | COSTO DE ADQUISICION | 52,881.2 | 36,057.4 | 64,642.6 | 37,296.2 | 16,184.7 | 207,062.1 | | OTROS GASTOS DE ADQUISICION | 17,428.0 | 22,194.1 | 14,639.0 | 28,677.9 | 9,782.2 | 92,721.2 | | COSTOS DE EXCESO DE PERDIDA | 14,309.1 | 39,766.4 | 13,887.4 | 15,650.7 | 3,737.3 | 87,350.9 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 79,270.3 | 83,136.3 | 133,878.5 | 43,133.7 | 25,561.9 | 364,980.7 | | GASTOS DE ADMINISTRACION | 89,403.1 | 88,023.1 | 139,458.4 | 51,530.7 | 28,138.8 | 396,554.1 | | DERECHOS DE EMISION | 10,132.7 | 4,886.7 | 5,579.9 | 8,397.0 | 2,576.8 | 31,573.1 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -88,287.0 | -22,586.6 | -27,682.4 | -32,082.2 | -12,375.8 | -183,014.0 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -27,689.3 | -3,475.0 | 271.1 | 1,432.7 | 926.9 | -28,533.6 | | UTILIDAD (PERDIDA) TECNICA | 12,824.1 | 46,034.3 | 14,576.7 | 29,645.0 | 5,408.5 | 108,488.6 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 16,438.9 | 22,494.9 | 33,102.0 | 8,173.1 | 6,231.5 | 86,440.4 | | DE INVERSIONES | 14,042.0 | 27,523.5 | 38,679.6 | 9,827.4 | 6,622.4 | 96,694.9 | | POR VENTA DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | POR VALUACION DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | OTROS PRODUCTOS FINANCIEROS | 2,396.8 | -5,028.6 | -5,577.6 | -1,654.2 | -390.9 | -10,254.5 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,251.4 | 13,772.3 | 17,379.9 | 4,922.6 | 4,315.8 | 42,642.0 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 23,020.5 | 30,542.7 | 54,553.4 | 17,246.9 | 10,140.6 | 135,504.1 | | EGRESOS POR TIPO DE CAMBIO | 20,769.1 | 16,770.4 | 37,173.5 | 12,324.4 | 5,824.8 | 92,862.2 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,124.8 | -2,358.3 | 1,949.9 | 5,394.8 | 794.6 | 6,905.8 | | OTROS PRODUCTOS | 1,347.2 | 3,249.2 | 7,900.9 | 5,805.8 | 1,420.2 | 19,723.3 | | OTROS GASTOS | 222.4 | 5,607.4 | 5,951.0 | 411.0 | 625.6 | 12,817.4 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 32,639.2 | 79,943.3 | 67,008.5 | 48,135.6 | 16,750.4 | 244,477.0 | | IMPUESTO SOBRE LA RENTA | 7,508.5 | 10,580.8 | 0.0 | 11,291.7 | 3,546.1 | 32,927.1 | | 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. | 25,130.7 | 69,362.5 | 67,008.5 | 36,843.9 | 13,204.3 | 211,549.9 |
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