| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 800,302.7 | 602,729.0 | 650,095.3 | 473,352.7 | 237,962.8 | 2,764,442.5 | | PRIMAS EMITIDAS | 1,305,452.6 | 804,746.7 | 736,754.7 | 542,065.4 | 310,231.1 | 3,699,250.5 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 189,646.3 | 114,047.2 | 86,659.4 | 41,632.8 | 72,268.2 | 504,253.9 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 315,503.5 | 87,970.5 | 0.0 | 27,079.9 | 0.0 | 430,553.9 | | PRIMAS CEDIDAS | 375,280.2 | 111,133.2 | 118,723.1 | 176,488.4 | 94,329.8 | 875,954.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 644,449.7 | 138,941.8 | 118,843.1 | 189,093.6 | 94,359.6 | 1,185,687.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 269,169.4 | 27,808.6 | 120.0 | 12,605.2 | 29.8 | 309,733.0 | | PRIMAS RETENIDAS | 425,022.5 | 491,595.8 | 531,372.3 | 296,864.3 | 143,633.0 | 1,888,487.9 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 27,771.7 | 13,225.4 | 30,073.7 | 16,344.6 | 7,150.4 | 94,565.8 | | MATEMATICA Y POR CUENTA DE INVERSION | 14,881.1 | 350.6 | 22,071.7 | 1,916.2 | 64.6 | 39,284.2 | | PRIMA NO DEVENGADA | 12,890.6 | 12,874.7 | 8,001.9 | 14,428.4 | 7,085.8 | 55,281.4 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 5,529.4 | -854.8 | -1,977.0 | 12,995.0 | 1,520.4 | 17,213.0 | | RESERVA CATASTROFICA | 3,513.6 | 12,893.0 | 6,936.1 | 4,559.8 | 3,129.5 | 31,032.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 200,255.1 | 203,532.7 | 257,502.7 | 116,973.5 | 59,784.1 | 838,048.1 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 387,283.1 | 232,858.2 | 312,531.9 | 132,981.8 | 241,592.1 | 1,307,247.1 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 177,008.4 | 34,273.4 | 27,776.7 | 35,734.9 | 187,876.8 | 462,670.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 5,586.2 | 0.0 | 0.0 | 0.0 | 0.0 | 5,586.2 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 4,433.4 | -4,947.9 | 27,252.5 | -19,726.6 | -6,068.9 | 942.5 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 187,952.8 | 262,799.5 | 238,836.7 | 145,991.5 | 72,048.6 | 907,629.1 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 105,699.0 | 128,872.3 | 123,445.4 | 101,413.9 | 44,493.4 | 503,924.0 | | COSTO DE ADQUISICION | 71,401.8 | 49,916.0 | 82,296.4 | 52,178.7 | 23,169.6 | 278,962.5 | | OTROS GASTOS DE ADQUISICION | 18,181.1 | 34,909.6 | 25,537.0 | 32,009.2 | 14,729.5 | 125,366.4 | | COSTOS DE EXCESO DE PERDIDA | 16,116.1 | 44,046.6 | 15,612.0 | 17,226.0 | 6,594.3 | 99,595.0 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 119,632.4 | 109,515.1 | 158,559.0 | 59,305.1 | 37,855.2 | 484,866.8 | | GASTOS DE ADMINISTRACION | 128,058.8 | 116,114.9 | 165,079.3 | 66,265.6 | 41,234.8 | 516,753.4 | | DERECHOS DE EMISION | 8,426.3 | 6,599.8 | 6,520.3 | 6,960.5 | 3,379.6 | 31,886.5 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -115,623.2 | -49,169.1 | -19,780.0 | -38,626.9 | -19,193.1 | -242,392.3 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -41,107.9 | -5,999.6 | 6,577.0 | -554.1 | 65.4 | -41,019.2 | | UTILIDAD (PERDIDA) TECNICA | 37,136.6 | 67,581.7 | -16,810.7 | 23,345.2 | 8,958.5 | 120,211.3 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 31,839.6 | 45,851.6 | 52,649.3 | 15,059.5 | 6,861.9 | 152,261.9 | | DE INVERSIONES | 28,714.5 | 44,417.8 | 55,166.6 | 16,610.2 | 9,014.9 | 153,924.0 | | 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 | 3,125.1 | 1,676.8 | -2,517.3 | -1,550.7 | -2,153.0 | -1,419.1 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,368.4 | 19,764.6 | 23,916.2 | 9,335.5 | 5,305.2 | 59,689.9 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 31,455.1 | 43,577.8 | 68,892.0 | 25,356.6 | 13,808.4 | 183,089.9 | | EGRESOS POR TIPO DE CAMBIO | 30,086.7 | 23,813.1 | 44,975.8 | 16,021.1 | 8,503.3 | 123,400.0 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 988.3 | 908.1 | 3,709.4 | 2,306.9 | -154.0 | 7,758.7 | | OTROS PRODUCTOS | 1,485.7 | 8,174.8 | 19,209.3 | 2,740.1 | 1,488.8 | 33,098.7 | | OTROS GASTOS | 497.4 | 7,266.7 | 15,499.8 | 433.2 | 1,642.8 | 25,339.9 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 71,333.0 | 134,106.0 | 63,464.3 | 50,047.1 | 20,971.6 | 339,922.0 | | IMPUESTO SOBRE LA RENTA | 14,866.7 | 17,447.1 | 0.0 | 10,609.8 | 4,310.3 | 47,233.9 | | 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. | 56,466.3 | 116,658.9 | 63,464.3 | 39,437.3 | 16,661.2 | 292,688.0 |
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