| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,109,362.7 | 850,061.0 | 1,044,832.0 | 761,878.5 | 386,305.7 | 4,152,439.9 | | PRIMAS EMITIDAS | 1,842,802.8 | 1,094,195.1 | 1,171,892.0 | 869,518.4 | 592,346.9 | 5,570,755.2 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 434,237.9 | 161,564.5 | 127,060.0 | 82,359.9 | 206,041.2 | 1,011,263.5 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 299,202.1 | 82,569.6 | 0.0 | 25,280.1 | 0.0 | 407,051.8 | | PRIMAS CEDIDAS | 495,306.6 | 142,252.6 | 204,328.7 | 356,294.3 | 176,221.4 | 1,374,403.6 | | PRIMAS CEDIDAS AÑO ACTUAL | 731,433.0 | 156,292.8 | 208,194.4 | 356,294.3 | 176,230.7 | 1,628,445.2 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 236,126.5 | 14,040.2 | 3,865.7 | 0.0 | 9.3 | 254,041.7 | | PRIMAS RETENIDAS | 614,056.1 | 707,808.4 | 840,503.4 | 405,584.1 | 210,084.3 | 2,778,036.3 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 58,859.7 | 25,529.5 | 60,642.5 | 17,269.4 | 16,947.0 | 179,248.1 | | MATEMATICA Y POR CUENTA DE INVERSION | 27,648.6 | 253.0 | 32,867.8 | 1,652.8 | -33.2 | 62,389.0 | | PRIMA NO DEVENGADA | 31,211.1 | 25,276.5 | 27,774.7 | 15,616.7 | 16,980.2 | 116,859.2 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 948.8 | 1,714.6 | 11,111.4 | 24,783.6 | 11,254.0 | 49,812.4 | | RESERVA CATASTROFICA | 4,445.1 | 19,630.9 | 11,235.3 | 2,769.9 | 2,244.6 | 40,325.8 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 308,103.7 | 283,940.5 | 376,912.7 | 139,709.3 | 89,988.1 | 1,198,654.3 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 414,390.4 | 353,453.1 | 451,202.8 | 184,225.9 | 137,115.3 | 1,540,387.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 99,382.4 | 52,778.9 | 38,550.3 | 55,235.3 | 36,439.6 | 282,386.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 2,324.4 | 17,843.9 | 0.0 | 0.0 | 3,148.3 | 23,316.6 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,580.0 | -1,110.1 | 35,739.8 | -10,718.6 | 7,539.3 | 36,030.4 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 241,698.8 | 376,992.9 | 380,601.5 | 221,051.9 | 89,650.6 | 1,309,995.7 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 157,160.6 | 188,238.5 | 183,976.1 | 148,122.3 | 65,142.4 | 742,639.9 | | COSTO DE ADQUISICION | 106,175.6 | 73,507.7 | 120,489.2 | 66,428.2 | 37,912.6 | 404,513.3 | | OTROS GASTOS DE ADQUISICION | 28,841.9 | 50,109.9 | 36,603.2 | 56,075.5 | 19,187.9 | 190,818.4 | | COSTOS DE EXCESO DE PERDIDA | 22,143.1 | 64,621.0 | 26,883.8 | 25,618.5 | 8,041.9 | 147,308.3 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 170,909.9 | 163,812.9 | 236,551.3 | 88,630.0 | 52,761.4 | 712,665.5 | | GASTOS DE ADMINISTRACION | 183,161.5 | 173,716.8 | 246,361.8 | 100,749.3 | 57,797.3 | 761,786.7 | | DERECHOS DE EMISION | 12,251.6 | 9,904.0 | 9,810.5 | 12,119.3 | 5,035.9 | 49,121.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -161,787.1 | -68,058.3 | -34,427.5 | -59,353.0 | -40,755.7 | -364,381.6 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -38,285.3 | -4,590.5 | -175.5 | 2,294.9 | 40.2 | -40,716.2 | | UTILIDAD (PERDIDA) TECNICA | 37,130.1 | 88,409.3 | -5,673.8 | 45,947.5 | 12,542.7 | 178,355.8 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 36,181.0 | 63,226.7 | 88,038.3 | 21,253.5 | 11,508.6 | 220,208.1 | | DE INVERSIONES | 32,709.5 | 60,231.5 | 81,935.5 | 23,598.1 | 13,423.5 | 211,898.1 | | 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 | 3,471.4 | 2,995.1 | 5,836.3 | -2,344.6 | -1,914.9 | 8,043.3 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,033.1 | 28,771.3 | 35,262.9 | 11,363.6 | 7,598.1 | 85,029.0 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 44,202.7 | 61,829.4 | 104,122.8 | 36,434.7 | 20,292.9 | 266,882.5 | | EGRESOS POR TIPO DE CAMBIO | 42,169.7 | 33,058.0 | 68,859.9 | 25,071.1 | 12,694.8 | 181,853.5 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 2,711.9 | 14,926.4 | -9,671.1 | 4,090.4 | -1,447.5 | 10,610.1 | | OTROS PRODUCTOS | 3,198.7 | 21,974.4 | 11,075.9 | 5,186.0 | 1,438.8 | 42,873.8 | | OTROS GASTOS | 486.9 | 7,048.1 | 20,747.1 | 1,095.5 | 2,886.3 | 32,263.9 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 78,056.0 | 195,333.7 | 107,956.2 | 82,655.0 | 30,201.8 | 494,202.7 | | IMPUESTO SOBRE LA RENTA | 14,788.1 | 23,204.4 | 0.0 | 17,898.9 | 5,941.8 | 61,833.2 | | 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. | 63,267.9 | 172,129.4 | 107,956.2 | 64,756.1 | 24,260.0 | 432,369.6 |
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