| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,052,298.0 | 728,522.5 | 984,652.2 | 697,339.2 | 280,646.0 | 3,743,457.9 | | PRIMAS EMITIDAS | 1,799,505.9 | 904,422.8 | 1,166,317.6 | 919,045.0 | 359,838.7 | 5,149,130.0 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 507,065.9 | 106,363.6 | 180,613.7 | 195,028.6 | 79,192.7 | 1,068,264.5 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 240,141.9 | 69,536.7 | 1,051.6 | 26,677.2 | 0.0 | 337,407.4 | | PRIMAS CEDIDAS | 546,998.2 | 110,773.8 | 250,910.4 | 349,632.6 | 120,396.5 | 1,378,711.5 | | PRIMAS CEDIDAS AÑO ACTUAL | 744,309.3 | 140,259.3 | 250,923.9 | 349,632.6 | 120,396.5 | 1,605,521.6 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 197,311.1 | 29,485.5 | 13.4 | 0.0 | 0.0 | 226,810.0 | | PRIMAS RETENIDAS | 505,299.8 | 617,748.8 | 733,741.8 | 347,706.5 | 160,249.5 | 2,364,746.4 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 53,065.1 | 38,040.5 | 56,066.4 | 15,830.2 | 10,789.0 | 173,791.2 | | MATEMATICA Y POR CUENTA DE INVERSION | 31,154.2 | 170.8 | 33,105.4 | 731.3 | 107.6 | 65,269.3 | | PRIMA NO DEVENGADA | 21,910.9 | 37,869.7 | 22,961.0 | 15,098.9 | 10,681.4 | 108,521.9 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 2,526.9 | 7,079.5 | -3,923.4 | 23,802.7 | 712.9 | 30,198.6 | | RESERVA CATASTROFICA | 4,769.2 | 18,107.3 | 7,554.1 | -4,824.0 | 1,458.3 | 27,064.9 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 237,969.3 | 218,531.4 | 330,509.2 | 107,404.8 | 65,636.6 | 960,051.3 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 315,681.8 | 268,265.1 | 439,358.7 | 162,678.4 | 98,187.5 | 1,284,171.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 67,367.1 | 43,167.3 | 87,767.1 | 65,488.8 | 28,574.7 | 292,365.0 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 6,086.5 | 0.0 | 0.0 | 0.0 | 0.0 | 6,086.5 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,258.9 | 6,566.4 | 21,082.5 | -10,215.3 | 3,976.1 | 25,668.6 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 206,969.3 | 335,990.1 | 343,535.5 | 205,492.8 | 81,652.7 | 1,173,640.4 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 148,451.6 | 165,122.8 | 169,678.7 | 131,510.3 | 50,256.7 | 665,020.1 | | COSTO DE ADQUISICION | 94,871.2 | 59,150.7 | 107,132.2 | 57,782.3 | 28,231.3 | 347,167.7 | | OTROS GASTOS DE ADQUISICION | 28,356.7 | 39,838.5 | 29,196.9 | 48,272.2 | 15,950.0 | 161,614.3 | | COSTOS DE EXCESO DE PERDIDA | 25,223.7 | 66,133.6 | 33,349.6 | 25,455.8 | 6,075.4 | 156,238.1 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 136,807.7 | 146,413.4 | 221,021.0 | 76,619.7 | 44,742.8 | 625,604.6 | | GASTOS DE ADMINISTRACION | 151,114.6 | 154,781.9 | 230,104.1 | 89,511.4 | 49,029.6 | 674,541.6 | | DERECHOS DE EMISION | 14,306.9 | 8,368.6 | 9,083.0 | 12,891.7 | 4,286.8 | 48,937.0 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -154,365.0 | -47,356.0 | -47,243.9 | -49,675.3 | -20,736.6 | -319,376.8 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -30,641.0 | -4,377.1 | 7,828.8 | 1,653.7 | 926.9 | -24,608.7 | | UTILIDAD (PERDIDA) TECNICA | 45,434.0 | 67,432.7 | 7,908.5 | 48,691.8 | 8,316.6 | 177,783.6 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 28,732.9 | 46,769.4 | 71,856.5 | 16,311.2 | 11,116.8 | 174,786.8 | | DE INVERSIONES | 24,670.3 | 49,294.9 | 67,592.7 | 18,284.8 | 11,362.0 | 171,204.7 | | 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 | 4,062.6 | -2,525.5 | 4,263.8 | -1,973.6 | -245.3 | 3,582.0 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 3,345.5 | 23,559.9 | 29,583.7 | 7,608.3 | 7,068.8 | 71,166.2 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 39,977.4 | 52,710.8 | 93,475.1 | 29,954.8 | 17,081.3 | 233,199.4 | | EGRESOS POR TIPO DE CAMBIO | 36,631.9 | 29,150.8 | 63,891.5 | 22,346.5 | 10,012.5 | 162,033.2 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,351.6 | -5,501.4 | 1,010.9 | 6,323.9 | 629.0 | 3,814.0 | | OTROS PRODUCTOS | 2,398.1 | 3,629.9 | 12,255.0 | 7,394.3 | 1,698.9 | 27,376.2 | | OTROS GASTOS | 1,046.5 | 9,131.3 | 11,244.1 | 1,070.4 | 1,069.9 | 23,562.2 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 78,864.0 | 132,260.6 | 110,359.6 | 78,935.2 | 27,131.2 | 427,550.6 | | IMPUESTO SOBRE LA RENTA | 21,798.1 | 15,479.1 | 0.0 | 18,625.3 | 5,465.0 | 61,367.5 | | 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. | 57,065.9 | 116,781.5 | 110,359.6 | 60,309.9 | 21,666.2 | 366,183.1 |
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