| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,349,813.1 | 895,194.8 | 1,213,276.4 | 817,296.5 | 339,225.8 | 4,614,806.6 | | PRIMAS EMITIDAS | 2,216,379.1 | 1,104,491.2 | 1,412,548.8 | 1,056,154.2 | 436,791.2 | 6,226,364.5 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 622,265.5 | 137,378.9 | 198,220.7 | 212,000.0 | 97,565.4 | 1,267,430.5 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 244,300.5 | 71,917.5 | 1,051.6 | 26,857.7 | 0.0 | 344,127.3 | | PRIMAS CEDIDAS | 696,169.3 | 141,167.2 | 326,406.7 | 394,359.8 | 137,867.4 | 1,695,970.4 | | PRIMAS CEDIDAS AÑO ACTUAL | 896,750.4 | 170,998.8 | 326,420.2 | 394,359.8 | 137,867.4 | 1,926,396.6 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 200,581.1 | 29,831.5 | 13.4 | 0.0 | 0.0 | 230,426.0 | | PRIMAS RETENIDAS | 653,643.8 | 754,027.5 | 886,869.7 | 422,936.6 | 201,358.4 | 2,918,836.0 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 49,719.1 | 46,166.8 | 63,580.4 | 17,885.5 | 14,355.6 | 191,707.4 | | MATEMATICA Y POR CUENTA DE INVERSION | 19,150.6 | 229.3 | 40,462.2 | 1,228.9 | 133.3 | 61,204.3 | | PRIMA NO DEVENGADA | 30,568.6 | 45,937.5 | 23,118.3 | 16,656.6 | 14,222.3 | 130,503.3 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 5,283.6 | 5,251.8 | -3,475.5 | 19,586.2 | -432.7 | 26,213.4 | | RESERVA CATASTROFICA | 6,334.8 | 21,464.0 | 9,304.6 | -3,921.9 | 2,275.5 | 35,457.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 300,204.4 | 270,029.2 | 397,391.7 | 139,115.7 | 84,648.8 | 1,191,389.8 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 399,481.2 | 330,979.4 | 492,790.5 | 207,546.5 | 123,251.2 | 1,554,048.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 84,554.2 | 51,519.8 | 72,271.9 | 79,208.4 | 33,136.4 | 320,690.7 | | (-)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 | 8,636.1 | 9,430.5 | 23,126.9 | -10,777.6 | 4,640.4 | 35,056.3 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 292,101.9 | 411,115.8 | 420,068.5 | 250,271.1 | 100,511.2 | 1,474,068.5 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 190,901.0 | 201,419.4 | 215,032.2 | 157,977.5 | 63,230.1 | 828,560.2 | | COSTO DE ADQUISICION | 124,585.8 | 72,430.4 | 130,593.4 | 68,051.4 | 35,143.7 | 430,804.7 | | OTROS GASTOS DE ADQUISICION | 35,462.5 | 49,512.5 | 45,597.3 | 59,345.6 | 20,629.5 | 210,547.4 | | COSTOS DE EXCESO DE PERDIDA | 30,852.7 | 79,476.6 | 38,841.5 | 30,580.5 | 7,457.0 | 187,208.3 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 173,125.2 | 184,893.0 | 278,473.5 | 95,966.0 | 57,242.3 | 789,700.0 | | GASTOS DE ADMINISTRACION | 190,352.3 | 195,225.1 | 289,469.5 | 110,994.8 | 62,339.0 | 848,380.7 | | DERECHOS DE EMISION | 17,227.2 | 10,332.1 | 10,996.0 | 15,028.8 | 5,096.6 | 58,680.7 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -190,679.7 | -57,265.6 | -71,851.5 | -58,299.6 | -27,169.2 | -405,265.6 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -37,498.9 | -4,503.7 | 12,170.4 | 1,680.0 | 926.9 | -27,225.3 | | UTILIDAD (PERDIDA) TECNICA | 81,256.6 | 77,565.2 | 10,584.7 | 56,307.3 | 8,134.9 | 233,848.7 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 35,579.6 | 58,268.2 | 85,910.7 | 20,101.7 | 13,175.7 | 213,035.9 | | DE INVERSIONES | 30,478.5 | 61,138.9 | 82,750.8 | 22,547.6 | 13,834.7 | 210,750.5 | | 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 | 5,101.1 | -2,870.7 | 3,160.0 | -2,445.9 | -659.0 | 2,285.5 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 3,472.3 | 28,470.7 | 35,809.3 | 9,342.2 | 8,544.3 | 85,638.8 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 48,284.5 | 63,659.0 | 113,035.1 | 36,763.3 | 20,578.2 | 282,320.1 | | EGRESOS POR TIPO DE CAMBIO | 44,812.2 | 35,188.3 | 77,225.8 | 27,421.1 | 12,033.9 | 196,681.3 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,540.8 | -2,980.1 | -6,033.1 | 7,315.5 | 743.0 | 586.1 | | OTROS PRODUCTOS | 2,587.3 | 4,623.6 | 14,983.0 | 8,448.6 | 2,281.2 | 32,923.7 | | OTROS GASTOS | 1,046.5 | 7,603.7 | 21,016.1 | 1,133.1 | 1,538.2 | 32,337.6 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 121,849.3 | 161,323.9 | 126,271.5 | 93,066.6 | 30,597.8 | 533,109.1 | | IMPUESTO SOBRE LA RENTA | 34,255.9 | 20,144.0 | 0.0 | 22,432.8 | 6,506.0 | 83,338.7 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 150.7 | 0.0 | 0.0 | 0.0 | 150.7 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 87,593.3 | 141,330.6 | 126,271.5 | 70,633.8 | 24,091.8 | 449,921.0 |
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