| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 397,751.8 | 348,708.0 | 420,087.6 | 335,001.0 | 184,514.0 | 1,686,062.4 | | PRIMAS EMITIDAS | 649,867.1 | 457,418.7 | 483,325.4 | 373,069.7 | 238,348.1 | 2,202,029.0 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 68,010.8 | 52,101.4 | 63,237.8 | 19,279.1 | 53,834.1 | 256,463.2 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 184,104.5 | 56,609.3 | 0.0 | 18,789.5 | 0.0 | 259,503.3 | | PRIMAS CEDIDAS | 158,610.9 | 52,039.4 | 72,188.9 | 162,016.5 | 104,088.8 | 548,944.5 | | PRIMAS CEDIDAS AÑO ACTUAL | 295,160.9 | 62,065.9 | 72,188.9 | 162,016.5 | 104,098.0 | 695,530.2 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 136,550.0 | 10,026.5 | 0.0 | 0.0 | 9.3 | 146,585.8 | | PRIMAS RETENIDAS | 239,140.9 | 296,668.6 | 347,898.7 | 172,984.6 | 80,425.3 | 1,137,118.1 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 20,616.3 | 9,172.9 | 15,315.3 | 9,948.3 | 7,596.7 | 62,649.5 | | MATEMATICA Y POR CUENTA DE INVERSION | 2,559.7 | 11.1 | 11,892.7 | 1,740.9 | -148.5 | 16,055.9 | | PRIMA NO DEVENGADA | 18,056.6 | 9,161.8 | 3,422.5 | 8,207.5 | 7,745.2 | 46,593.6 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 642.6 | 1,114.3 | 1,410.7 | 13,091.5 | 5,633.2 | 21,892.3 | | RESERVA CATASTROFICA | 2,829.0 | 8,805.9 | 3,682.4 | 1,851.4 | 1,240.3 | 18,409.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 115,078.4 | 100,431.2 | 140,967.2 | 49,131.6 | 34,577.5 | 440,185.9 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 157,695.2 | 130,023.1 | 182,231.4 | 51,771.5 | 56,310.0 | 578,031.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 39,084.8 | 14,567.0 | 15,520.7 | 9,925.9 | 14,930.1 | 94,028.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 710.3 | 17,843.9 | 0.0 | 0.0 | 0.0 | 18,554.2 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 2,821.7 | -2,818.9 | 25,743.5 | -7,286.0 | 6,802.3 | 25,262.6 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 99,974.5 | 177,144.4 | 186,523.1 | 98,961.7 | 31,377.5 | 593,981.2 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 59,375.2 | 78,886.4 | 70,892.5 | 62,012.1 | 25,964.1 | 297,130.3 | | COSTO DE ADQUISICION | 40,632.6 | 31,602.1 | 50,518.6 | 29,030.1 | 14,653.7 | 166,437.1 | | OTROS GASTOS DE ADQUISICION | 10,090.6 | 18,302.1 | 9,390.0 | 22,213.7 | 8,396.1 | 68,392.5 | | COSTOS DE EXCESO DE PERDIDA | 8,652.1 | 28,982.3 | 10,983.9 | 10,768.3 | 2,914.3 | 62,300.9 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 66,025.3 | 67,354.9 | 91,950.6 | 34,430.4 | 20,261.6 | 280,022.8 | | GASTOS DE ADMINISTRACION | 70,715.8 | 71,151.4 | 96,035.2 | 39,432.4 | 22,550.5 | 299,885.3 | | DERECHOS DE EMISION | 4,690.5 | 3,796.5 | 4,084.6 | 5,002.0 | 2,288.8 | 19,862.4 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -50,917.8 | -23,465.3 | -18,090.9 | -22,254.8 | -13,021.4 | -127,750.2 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -21,719.3 | -3,236.3 | 895.8 | 1,701.1 | 40.2 | -22,318.5 | | UTILIDAD (PERDIDA) TECNICA | 3,772.5 | 51,132.1 | 42,666.7 | 26,475.1 | -1,786.7 | 122,259.7 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 14,134.4 | 25,382.3 | 32,529.2 | 7,935.5 | 3,845.0 | 83,826.4 | | DE INVERSIONES | 12,834.6 | 22,946.5 | 30,460.5 | 8,841.1 | 5,100.7 | 80,183.4 | | 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 | 1,299.8 | 2,435.8 | 2,068.6 | -905.7 | -1,255.7 | 3,642.8 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,055.4 | 10,822.2 | 13,396.4 | 3,858.4 | 3,080.9 | 32,213.3 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 17,119.0 | 23,982.8 | 40,325.9 | 13,570.9 | 7,922.6 | 102,921.2 | | EGRESOS POR TIPO DE CAMBIO | 16,063.6 | 13,160.6 | 26,929.5 | 9,712.6 | 4,841.7 | 70,708.0 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 327.5 | -209.2 | -1,863.8 | 916.1 | -291.5 | -1,120.9 | | OTROS PRODUCTOS | 369.4 | 3,209.1 | 6,047.6 | 1,398.3 | 491.4 | 11,515.8 | | OTROS GASTOS | 41.9 | 3,418.3 | 7,911.4 | 482.2 | 782.8 | 12,636.6 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 19,289.8 | 87,127.4 | 86,728.5 | 39,185.1 | 4,847.8 | 237,178.6 | | IMPUESTO SOBRE LA RENTA | 3,111.4 | 15,523.5 | 0.0 | 8,258.2 | 2,292.2 | 29,185.3 | | 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. | 16,178.4 | 71,603.9 | 86,728.5 | 30,926.9 | 2,555.6 | 207,993.3 |
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