| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,519,778.6 | 1,042,376.1 | 1,295,315.2 | 885,422.9 | 455,297.2 | 5,198,190.0 | | PRIMAS EMITIDAS | 2,334,036.2 | 1,357,446.9 | 1,446,470.1 | 1,052,293.2 | 673,544.8 | 6,863,791.2 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 510,309.8 | 228,596.1 | 151,154.9 | 141,361.8 | 218,238.4 | 1,249,661.0 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 303,947.8 | 86,474.7 | 0.0 | 25,508.4 | 9.2 | 415,940.1 | | PRIMAS CEDIDAS | 738,734.0 | 181,939.3 | 272,447.8 | 395,894.7 | 195,037.3 | 1,784,053.1 | | PRIMAS CEDIDAS AÑO ACTUAL | 977,573.7 | 196,699.2 | 276,313.4 | 395,894.7 | 195,047.6 | 2,041,528.6 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 238,839.6 | 14,759.8 | 3,865.7 | 0.0 | 10.3 | 257,475.4 | | PRIMAS RETENIDAS | 781,044.6 | 860,436.8 | 1,022,867.4 | 489,528.2 | 260,259.9 | 3,414,136.9 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 70,211.7 | 27,852.1 | 76,325.9 | 19,451.3 | 15,256.7 | 209,097.7 | | MATEMATICA Y POR CUENTA DE INVERSION | 36,960.4 | 183.7 | 39,607.3 | 1,855.8 | -4.8 | 78,602.4 | | PRIMA NO DEVENGADA | 33,251.3 | 27,668.4 | 36,718.6 | 17,595.4 | 15,261.5 | 130,495.2 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 439.4 | 5,920.4 | 12,424.4 | 30,930.2 | 10,193.9 | 59,908.3 | | RESERVA CATASTROFICA | 5,747.7 | 23,505.3 | 14,862.9 | 4,223.9 | 3,404.8 | 51,744.6 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 370,809.9 | 358,896.5 | 437,522.1 | 165,873.7 | 109,400.6 | 1,442,502.8 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 510,538.7 | 434,101.4 | 537,710.9 | 219,980.6 | 157,612.0 | 1,859,943.6 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 127,083.7 | 62,865.4 | 58,428.0 | 63,072.5 | 37,765.9 | 349,215.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 7,052.6 | 17,843.9 | 0.0 | 0.0 | 3,148.3 | 28,044.8 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 5,592.5 | -5,504.4 | 41,760.8 | -8,965.5 | 7,297.2 | 40,180.6 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 333,835.9 | 444,262.4 | 481,732.1 | 269,049.2 | 122,003.9 | 1,650,883.5 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 206,578.3 | 222,972.4 | 246,028.0 | 177,093.0 | 79,376.2 | 932,047.9 | | COSTO DE ADQUISICION | 142,723.3 | 89,900.4 | 148,131.6 | 79,251.6 | 45,649.6 | 505,656.5 | | OTROS GASTOS DE ADQUISICION | 37,369.8 | 61,685.5 | 58,728.2 | 66,695.5 | 24,227.6 | 248,706.6 | | COSTOS DE EXCESO DE PERDIDA | 26,485.3 | 71,386.5 | 39,168.2 | 31,145.9 | 9,499.1 | 177,685.0 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 212,527.7 | 195,813.2 | 295,782.0 | 108,257.7 | 65,653.0 | 878,033.6 | | GASTOS DE ADMINISTRACION | 228,690.8 | 208,041.8 | 307,795.3 | 122,454.3 | 71,757.6 | 938,739.8 | | DERECHOS DE EMISION | 16,163.1 | 12,228.6 | 12,013.3 | 14,196.6 | 6,104.6 | 60,706.2 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -209,219.3 | -80,011.8 | -42,379.1 | -67,438.9 | -46,054.1 | -445,103.2 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -39,084.4 | -4,935.8 | 8,277.3 | 2,319.8 | 40.2 | -33,382.9 | | UTILIDAD (PERDIDA) TECNICA | 84,864.8 | 100,552.8 | -9,421.5 | 53,457.1 | 23,068.9 | 252,522.1 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 45,168.1 | 77,355.9 | 105,918.8 | 25,975.5 | 14,239.6 | 268,657.9 | | DE INVERSIONES | 39,656.7 | 73,515.5 | 99,689.7 | 28,754.7 | 16,306.6 | 257,923.2 | | 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 | 5,511.4 | 3,840.3 | 5,962.6 | -2,779.2 | -2,066.9 | 10,468.2 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,613.5 | 34,579.2 | 42,780.2 | 14,192.9 | 9,362.4 | 103,528.2 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 53,737.0 | 74,790.8 | 126,202.4 | 44,144.9 | 24,477.0 | 323,352.1 | | EGRESOS POR TIPO DE CAMBIO | 51,123.5 | 40,211.7 | 83,422.2 | 29,952.0 | 15,114.6 | 219,824.0 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 3,639.6 | 17,404.3 | -13,524.0 | 4,732.0 | -1,707.3 | 10,544.6 | | OTROS PRODUCTOS | 4,555.9 | 26,952.0 | 13,954.0 | 6,449.9 | 1,973.0 | 53,884.8 | | OTROS GASTOS | 916.3 | 9,547.7 | 27,478.0 | 1,717.9 | 3,680.3 | 43,340.2 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 136,285.9 | 229,892.2 | 125,753.5 | 98,357.4 | 44,963.7 | 635,252.7 | | IMPUESTO SOBRE LA RENTA | 30,349.3 | 22,165.0 | 0.0 | 21,456.1 | 10,177.6 | 84,148.0 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 164.2 | 0.0 | 0.0 | 0.0 | 164.2 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 105,936.6 | 207,891.4 | 125,753.5 | 76,901.3 | 34,786.1 | 551,268.9 |
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