| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 954,495.4 | 653,122.5 | 902,404.3 | 640,277.2 | 239,118.6 | 3,389,418.0 | | PRIMAS EMITIDAS | 1,578,863.1 | 810,527.9 | 1,067,233.0 | 853,035.3 | 311,560.2 | 4,621,219.5 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 386,282.4 | 92,395.2 | 163,777.1 | 186,313.9 | 72,441.6 | 901,210.2 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 238,085.3 | 65,010.2 | 1,051.6 | 26,444.3 | 0.0 | 330,591.4 | | PRIMAS CEDIDAS | 503,230.2 | 97,075.6 | 238,869.3 | 330,524.2 | 100,550.7 | 1,270,250.0 | | PRIMAS CEDIDAS AÑO ACTUAL | 699,595.8 | 124,619.3 | 238,882.7 | 330,524.2 | 100,550.7 | 1,494,172.7 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 196,365.5 | 27,543.8 | 13.4 | 0.0 | 0.0 | 223,922.7 | | PRIMAS RETENIDAS | 451,265.2 | 556,046.9 | 663,535.0 | 309,752.9 | 138,567.9 | 2,119,167.9 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 47,728.7 | 37,760.0 | 49,456.7 | 14,199.3 | 10,272.5 | 159,417.2 | | MATEMATICA Y POR CUENTA DE INVERSION | 27,888.4 | -13.3 | 30,687.9 | 733.7 | 95.5 | 59,392.2 | | PRIMA NO DEVENGADA | 19,840.3 | 37,773.2 | 18,768.8 | 13,465.6 | 10,177.0 | 100,024.9 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 4,745.2 | 7,202.3 | -3,833.5 | 20,185.2 | 1,233.2 | 29,532.4 | | RESERVA CATASTROFICA | 4,249.4 | 16,274.3 | 6,826.1 | -3,927.1 | 1,548.7 | 24,971.4 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 208,670.9 | 188,659.6 | 301,533.7 | 95,880.4 | 54,723.1 | 849,467.7 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 273,664.4 | 233,678.0 | 403,933.3 | 151,609.4 | 82,179.2 | 1,145,064.3 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 57,943.2 | 38,694.9 | 82,517.1 | 65,827.7 | 23,492.2 | 268,475.1 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 2,804.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,804.7 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,245.6 | 6,323.5 | 19,882.4 | -10,098.7 | 3,963.9 | 24,316.7 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 185,871.0 | 306,150.7 | 309,552.0 | 183,415.1 | 70,790.4 | 1,055,779.2 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 133,675.1 | 147,824.8 | 147,205.6 | 118,370.7 | 43,990.9 | 591,067.1 | | COSTO DE ADQUISICION | 85,348.6 | 53,399.5 | 98,069.0 | 52,478.1 | 24,071.2 | 313,366.4 | | OTROS GASTOS DE ADQUISICION | 25,828.6 | 34,920.6 | 26,147.7 | 42,985.7 | 14,399.8 | 144,282.4 | | COSTOS DE EXCESO DE PERDIDA | 22,498.0 | 59,504.7 | 22,988.9 | 22,906.9 | 5,519.9 | 133,418.4 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 121,683.1 | 131,786.3 | 197,424.7 | 67,263.5 | 39,701.1 | 557,858.7 | | GASTOS DE ADMINISTRACION | 134,962.2 | 139,249.6 | 205,487.4 | 79,122.8 | 43,333.0 | 602,155.0 | | DERECHOS DE EMISION | 13,279.1 | 7,463.3 | 8,062.7 | 11,859.4 | 3,631.8 | 44,296.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -145,885.0 | -42,532.9 | -43,708.7 | -45,724.7 | -17,427.8 | -295,279.1 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -30,395.2 | -4,005.0 | 296.6 | 1,619.3 | 926.9 | -31,557.4 | | UTILIDAD (PERDIDA) TECNICA | 46,002.5 | 65,067.5 | 8,927.1 | 45,124.9 | 5,453.0 | 170,575.0 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 25,312.0 | 39,522.9 | 62,889.2 | 14,207.7 | 9,839.6 | 151,771.4 | | DE INVERSIONES | 21,859.0 | 43,619.8 | 60,204.1 | 16,164.9 | 10,132.3 | 151,980.1 | | 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 | 3,452.9 | -4,096.9 | 2,685.1 | -1,957.3 | -292.7 | -208.9 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 3,254.0 | 21,130.7 | 26,501.1 | 6,904.1 | 6,317.9 | 64,107.8 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 35,837.3 | 47,241.7 | 83,570.2 | 26,810.1 | 15,330.9 | 208,790.2 | | EGRESOS POR TIPO DE CAMBIO | 32,583.3 | 26,111.0 | 57,069.1 | 19,906.0 | 9,013.0 | 144,682.4 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,128.1 | -5,661.7 | -184.1 | 5,972.5 | 707.4 | 1,962.2 | | OTROS PRODUCTOS | 2,174.6 | 2,782.4 | 9,877.4 | 6,953.0 | 1,651.3 | 23,438.7 | | OTROS GASTOS | 1,046.5 | 8,444.1 | 10,061.4 | 980.5 | 943.9 | 21,476.4 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 75,696.6 | 120,059.3 | 98,133.3 | 72,209.1 | 22,318.0 | 388,416.3 | | IMPUESTO SOBRE LA RENTA | 20,971.0 | 14,253.1 | 0.0 | 17,297.2 | 4,347.9 | 56,869.2 | | 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. | 54,725.6 | 105,806.2 | 98,133.3 | 54,911.9 | 17,970.1 | 331,547.1 |
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