| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 521,432.9 | 412,748.1 | 449,958.2 | 331,349.9 | 171,346.2 | 1,886,835.3 | | PRIMAS EMITIDAS | 889,130.5 | 548,174.7 | 498,991.9 | 375,606.6 | 205,159.6 | 2,517,063.3 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 97,570.9 | 68,870.3 | 49,033.7 | 21,103.1 | 33,813.4 | 270,391.4 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 270,126.7 | 66,556.3 | 0.0 | 23,153.6 | 0.0 | 359,836.6 | | PRIMAS CEDIDAS | 243,328.6 | 73,014.6 | 74,382.0 | 129,884.0 | 77,454.6 | 598,063.8 | | PRIMAS CEDIDAS AÑO ACTUAL | 472,697.5 | 93,938.9 | 74,502.0 | 134,925.0 | 77,484.4 | 853,547.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 229,368.9 | 20,924.3 | 120.0 | 5,041.1 | 29.8 | 255,484.1 | | PRIMAS RETENIDAS | 278,104.3 | 339,733.5 | 375,576.2 | 201,466.0 | 93,891.6 | 1,288,771.6 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 26,089.9 | 10,969.4 | 19,072.1 | 10,167.6 | 6,112.9 | 72,411.9 | | MATEMATICA Y POR CUENTA DE INVERSION | 14,349.8 | 257.1 | 14,307.8 | 1,324.0 | 18.2 | 30,256.9 | | PRIMA NO DEVENGADA | 11,740.0 | 10,712.3 | 4,764.3 | 8,843.6 | 6,094.7 | 42,154.9 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 3,557.4 | -1,890.5 | -1,408.0 | 11,075.4 | 4,712.9 | 16,047.2 | | RESERVA CATASTROFICA | 2,456.1 | 8,937.9 | 4,352.4 | 4,378.5 | 1,934.8 | 22,059.7 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 125,229.8 | 144,028.1 | 160,656.7 | 80,650.2 | 40,214.2 | 550,779.0 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 265,667.7 | 159,303.0 | 198,939.5 | 90,155.6 | 44,999.6 | 759,065.4 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 133,810.0 | 25,204.8 | 14,297.0 | 26,419.1 | 10,146.9 | 209,877.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 4,823.4 | 0.0 | 0.0 | 0.0 | 0.0 | 4,823.4 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 1,804.5 | -9,929.9 | 23,985.8 | -16,913.6 | -5,361.5 | -6,414.7 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 120,771.1 | 177,688.7 | 192,903.0 | 95,194.3 | 40,916.9 | 627,474.0 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 70,034.8 | 87,517.4 | 82,477.5 | 68,878.5 | 30,319.6 | 339,227.8 | | COSTO DE ADQUISICION | 47,612.2 | 36,076.6 | 55,632.0 | 35,730.6 | 15,803.8 | 190,855.2 | | OTROS GASTOS DE ADQUISICION | 11,669.2 | 22,237.0 | 16,437.5 | 21,502.9 | 10,350.2 | 82,196.8 | | COSTOS DE EXCESO DE PERDIDA | 10,753.3 | 29,203.8 | 10,408.0 | 11,645.0 | 4,165.6 | 66,175.7 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 77,407.7 | 67,767.1 | 96,925.3 | 39,242.6 | 25,285.7 | 306,628.4 | | GASTOS DE ADMINISTRACION | 82,983.6 | 72,215.4 | 101,383.8 | 43,855.3 | 27,639.4 | 328,077.5 | | DERECHOS DE EMISION | 5,575.9 | 4,448.4 | 4,458.6 | 4,612.7 | 2,353.7 | 21,449.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -78,982.3 | -33,429.5 | -11,345.3 | -20,856.4 | -15,668.4 | -160,281.9 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -34,530.7 | -5,401.1 | 7.6 | 1,229.7 | 65.4 | -38,629.1 | | UTILIDAD (PERDIDA) TECNICA | 17,780.2 | 50,432.6 | 24,853.2 | 9,159.3 | 1,045.4 | 103,270.7 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 20,071.6 | 26,424.1 | 34,439.3 | 9,927.5 | 3,918.6 | 94,781.1 | | DE INVERSIONES | 18,659.8 | 28,637.5 | 35,870.8 | 10,917.1 | 5,923.0 | 100,008.2 | | POR VENTA DE INVERSIONES | 0.0 | -243.0 | 0.0 | 0.0 | 0.0 | -243.0 | | POR VALUACION DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | OTROS PRODUCTOS FINANCIEROS | 1,411.8 | -1,970.4 | -1,431.5 | -989.6 | -2,004.4 | -4,984.1 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,221.3 | 13,034.5 | 15,681.4 | 6,023.1 | 3,472.2 | 39,432.5 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 21,205.0 | 28,621.7 | 45,551.4 | 16,332.6 | 8,594.3 | 120,305.0 | | EGRESOS POR TIPO DE CAMBIO | 19,983.7 | 15,587.1 | 29,870.1 | 10,309.6 | 5,122.1 | 80,872.6 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 714.7 | 2,434.6 | -1,932.2 | 1,505.2 | 193.6 | 2,915.9 | | OTROS PRODUCTOS | 940.2 | 6,193.4 | 6,580.4 | 1,797.9 | 1,304.2 | 16,816.1 | | OTROS GASTOS | 225.6 | 3,758.8 | 8,512.7 | 292.7 | 1,110.6 | 13,900.4 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 39,787.8 | 92,325.8 | 73,041.7 | 26,615.1 | 8,629.8 | 240,400.2 | | IMPUESTO SOBRE LA RENTA | 5,809.2 | 13,895.7 | 0.0 | 4,721.6 | 2,118.4 | 26,544.9 | | 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. | 33,978.7 | 78,430.1 | 73,041.7 | 21,893.5 | 6,511.3 | 213,855.3 |
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