| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,156,633.2 | 805,207.1 | 1,105,615.9 | 753,791.4 | 306,791.1 | 4,128,038.7 | | PRIMAS EMITIDAS | 1,973,093.7 | 1,000,167.5 | 1,295,895.6 | 982,090.8 | 398,865.1 | 5,650,112.7 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 574,742.1 | 123,820.3 | 189,228.1 | 201,499.3 | 92,074.0 | 1,181,363.8 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 241,718.4 | 71,140.1 | 1,051.6 | 26,800.1 | 0.0 | 340,710.2 | | PRIMAS CEDIDAS | 594,366.3 | 119,000.8 | 306,210.1 | 370,593.8 | 129,366.7 | 1,519,537.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 792,523.5 | 148,731.6 | 306,223.6 | 370,593.8 | 129,366.7 | 1,747,439.2 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 198,157.3 | 29,730.8 | 13.4 | 0.0 | 0.0 | 227,901.5 | | PRIMAS RETENIDAS | 562,266.9 | 686,206.3 | 799,405.8 | 383,197.6 | 177,424.4 | 2,608,501.0 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 60,200.4 | 41,263.3 | 60,458.4 | 17,877.3 | 11,948.4 | 191,747.8 | | MATEMATICA Y POR CUENTA DE INVERSION | 33,792.7 | 199.5 | 36,426.8 | 953.7 | 122.6 | 71,495.3 | | PRIMA NO DEVENGADA | 26,407.8 | 41,063.7 | 24,031.6 | 16,923.6 | 11,825.8 | 120,252.5 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 3,210.3 | 6,738.8 | -3,921.0 | 23,281.2 | -581.8 | 28,727.5 | | RESERVA CATASTROFICA | 5,194.8 | 19,866.7 | 8,410.4 | -4,451.2 | 1,446.3 | 30,467.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 259,573.1 | 246,011.1 | 368,536.6 | 119,743.4 | 75,367.9 | 1,069,232.1 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 346,089.5 | 304,644.3 | 458,853.2 | 183,423.5 | 110,880.3 | 1,403,890.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 75,998.7 | 49,382.2 | 68,647.9 | 74,352.0 | 30,435.0 | 298,815.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 6,086.5 | 0.0 | 0.0 | 0.0 | 825.6 | 6,912.1 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,431.1 | 9,250.9 | 21,668.8 | -10,671.9 | 4,251.7 | 28,930.6 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 234,088.2 | 372,326.3 | 365,921.5 | 226,746.9 | 89,243.7 | 1,288,326.6 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 164,057.2 | 182,964.3 | 185,191.9 | 145,574.4 | 55,323.8 | 733,111.6 | | COSTO DE ADQUISICION | 105,516.2 | 65,748.5 | 116,293.2 | 62,797.2 | 31,441.2 | 381,796.3 | | OTROS GASTOS DE ADQUISICION | 30,580.7 | 44,422.4 | 32,803.2 | 54,777.5 | 17,270.4 | 179,854.2 | | COSTOS DE EXCESO DE PERDIDA | 27,960.3 | 72,793.5 | 36,095.6 | 27,999.7 | 6,612.2 | 171,461.3 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 152,789.4 | 162,416.8 | 243,511.4 | 87,154.5 | 49,697.9 | 695,570.0 | | GASTOS DE ADMINISTRACION | 168,191.8 | 171,734.9 | 253,550.0 | 101,133.2 | 54,338.4 | 748,948.3 | | DERECHOS DE EMISION | 15,402.4 | 9,318.1 | 10,038.5 | 13,978.8 | 4,640.5 | 53,378.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -165,890.6 | -51,354.8 | -67,266.9 | -53,644.9 | -22,465.6 | -360,622.8 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -30,865.9 | -4,478.7 | 7,831.2 | 1,670.5 | 926.9 | -24,916.0 | | UTILIDAD (PERDIDA) TECNICA | 52,266.3 | 73,821.3 | 12,316.2 | 49,333.5 | 7,614.3 | 195,351.6 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 31,696.9 | 51,058.5 | 79,828.3 | 18,205.2 | 12,167.5 | 192,956.4 | | DE INVERSIONES | 27,501.8 | 54,854.8 | 75,251.9 | 20,358.0 | 12,581.6 | 190,548.1 | | 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 | 4,195.2 | -3,796.4 | 4,576.4 | -2,152.9 | -414.1 | 2,408.2 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 3,400.3 | 25,915.0 | 32,637.2 | 8,543.8 | 7,803.1 | 78,299.4 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 44,015.7 | 58,081.4 | 103,010.0 | 33,206.3 | 18,816.2 | 257,129.6 | | EGRESOS POR TIPO DE CAMBIO | 40,615.4 | 32,166.4 | 70,372.8 | 24,662.5 | 11,013.2 | 178,830.3 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,475.6 | -5,371.5 | -1,359.9 | 6,610.6 | 691.2 | 2,046.0 | | OTROS PRODUCTOS | 2,522.2 | 4,381.5 | 12,474.2 | 7,686.6 | 1,844.9 | 28,909.4 | | OTROS GASTOS | 1,046.5 | 9,753.0 | 13,834.1 | 1,076.1 | 1,153.7 | 26,863.4 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 88,839.1 | 145,423.3 | 123,421.8 | 82,693.0 | 28,276.1 | 468,653.3 | | IMPUESTO SOBRE LA RENTA | 24,809.7 | 17,050.4 | 0.0 | 19,728.4 | 5,483.5 | 67,072.0 | | 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. | 64,029.4 | 128,372.9 | 123,421.8 | 62,964.6 | 22,792.6 | 401,581.3 |
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