| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 902,541.9 | 678,499.9 | 805,001.6 | 630,039.5 | 307,342.8 | 3,323,425.7 | | PRIMAS EMITIDAS | 1,361,296.4 | 873,647.3 | 912,757.1 | 717,937.8 | 405,871.7 | 4,271,510.3 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 229,635.9 | 119,354.7 | 107,755.6 | 63,777.1 | 98,528.8 | 619,052.1 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 229,118.7 | 75,792.7 | 0.0 | 24,121.2 | 0.0 | 329,032.6 | | PRIMAS CEDIDAS | 395,170.7 | 113,081.8 | 131,761.7 | 304,055.2 | 141,671.4 | 1,085,740.8 | | PRIMAS CEDIDAS AÑO ACTUAL | 569,366.7 | 126,395.8 | 135,627.4 | 304,055.2 | 141,680.6 | 1,277,125.7 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 174,196.0 | 13,314.1 | 3,865.7 | 0.0 | 9.3 | 191,385.1 | | PRIMAS RETENIDAS | 507,371.2 | 565,418.1 | 673,239.9 | 325,984.4 | 165,671.5 | 2,237,685.1 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 50,581.3 | 18,182.1 | 46,758.1 | 13,089.5 | 15,674.8 | 144,285.8 | | MATEMATICA Y POR CUENTA DE INVERSION | 18,598.7 | 137.1 | 28,436.1 | 1,421.2 | -84.9 | 48,508.2 | | PRIMA NO DEVENGADA | 31,982.5 | 18,045.0 | 18,322.0 | 11,668.4 | 15,759.7 | 95,777.6 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 53.7 | 1,743.9 | 7,459.0 | 21,398.5 | 9,409.2 | 40,064.3 | | RESERVA CATASTROFICA | 3,603.2 | 16,129.2 | 7,331.8 | 577.2 | 1,551.0 | 29,192.4 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 248,085.7 | 223,606.3 | 288,133.8 | 105,965.0 | 72,369.0 | 938,159.8 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 344,488.0 | 284,759.7 | 361,516.9 | 141,944.6 | 112,641.1 | 1,245,350.3 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 89,670.0 | 41,172.9 | 35,795.0 | 45,711.3 | 31,928.3 | 244,277.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 2,324.4 | 17,843.9 | 0.0 | 0.0 | 1,024.1 | 21,192.4 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,407.8 | 2,136.7 | 37,588.1 | -9,731.8 | 7,319.7 | 41,720.5 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 205,047.4 | 305,756.5 | 323,557.2 | 184,954.1 | 66,667.4 | 1,085,982.6 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 126,451.3 | 148,729.7 | 148,059.7 | 117,863.6 | 50,811.4 | 591,915.7 | | COSTO DE ADQUISICION | 86,082.8 | 58,760.3 | 100,007.8 | 54,210.5 | 28,303.4 | 327,364.8 | | OTROS GASTOS DE ADQUISICION | 22,532.4 | 39,667.6 | 26,372.1 | 43,537.8 | 15,923.2 | 148,033.1 | | COSTOS DE EXCESO DE PERDIDA | 17,836.1 | 50,301.8 | 21,679.8 | 20,115.3 | 6,584.8 | 116,517.8 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 135,360.5 | 129,891.2 | 192,799.9 | 70,640.1 | 42,103.5 | 570,795.2 | | GASTOS DE ADMINISTRACION | 145,464.9 | 137,734.5 | 200,594.9 | 80,345.7 | 46,136.9 | 610,276.9 | | DERECHOS DE EMISION | 10,104.3 | 7,843.3 | 7,795.0 | 9,705.6 | 4,033.4 | 39,481.6 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -120,470.6 | -53,256.5 | -31,180.5 | -49,001.5 | -20,066.3 | -273,975.4 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -27,062.2 | -4,223.0 | -177.7 | 2,191.6 | 40.2 | -29,231.1 | | UTILIDAD (PERDIDA) TECNICA | 36,643.9 | 76,169.2 | 13,700.4 | 47,643.4 | -6,140.9 | 168,016.0 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 29,086.1 | 50,591.4 | 68,639.8 | 16,847.9 | 8,431.5 | 173,596.7 | | DE INVERSIONES | 25,845.5 | 47,514.1 | 64,577.9 | 18,554.5 | 10,568.8 | 167,060.8 | | POR VENTA DE INVERSIONES | 0.0 | 0.0 | 266.5 | 0.0 | 0.0 | 266.5 | | POR VALUACION DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | OTROS PRODUCTOS FINANCIEROS | 3,240.5 | 3,077.3 | 3,795.4 | -1,706.6 | -2,137.3 | 6,269.3 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,771.6 | 22,950.8 | 27,849.0 | 8,995.4 | 5,942.3 | 67,509.1 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 35,110.9 | 50,057.4 | 82,477.4 | 28,626.3 | 16,199.9 | 212,471.9 | | EGRESOS POR TIPO DE CAMBIO | 33,339.3 | 27,106.5 | 54,628.3 | 19,630.9 | 10,257.6 | 144,962.6 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 973.3 | 4,469.7 | -7,266.0 | 1,955.8 | -785.9 | -653.1 | | OTROS PRODUCTOS | 1,304.0 | 9,988.1 | 10,095.3 | 2,645.0 | 1,312.9 | 25,345.3 | | OTROS GASTOS | 330.8 | 5,518.4 | 17,361.4 | 689.3 | 2,098.8 | 25,998.7 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 68,474.8 | 154,181.2 | 102,923.2 | 75,442.5 | 7,446.9 | 408,468.6 | | IMPUESTO SOBRE LA RENTA | 13,634.5 | 19,147.3 | 0.0 | 16,219.7 | 3,860.4 | 52,861.9 | | 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. | 54,840.4 | 135,033.8 | 102,923.2 | 59,222.8 | 3,586.5 | 355,606.7 |
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