| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 967,064.1 | 696,944.6 | 740,260.9 | 583,168.2 | 269,455.2 | 3,256,893.0 | | PRIMAS EMITIDAS | 1,557,370.3 | 934,267.2 | 840,377.6 | 663,082.1 | 350,169.5 | 4,345,266.7 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 243,767.8 | 142,172.0 | 100,116.7 | 51,930.4 | 80,714.3 | 618,701.2 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 346,538.4 | 95,150.6 | 0.0 | 27,983.6 | 0.0 | 469,672.6 | | PRIMAS CEDIDAS | 472,760.3 | 135,716.6 | 130,689.8 | 239,624.0 | 103,221.0 | 1,082,011.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 770,431.1 | 164,228.6 | 130,809.8 | 254,235.8 | 103,250.8 | 1,422,956.1 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 297,670.8 | 28,512.0 | 120.0 | 14,611.9 | 29.8 | 340,944.5 | | PRIMAS RETENIDAS | 494,303.9 | 561,228.0 | 609,571.1 | 343,544.2 | 166,234.2 | 2,174,881.4 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 37,265.7 | 13,681.9 | 34,009.0 | 18,938.9 | 8,102.0 | 111,997.5 | | MATEMATICA Y POR CUENTA DE INVERSION | 24,950.1 | 390.5 | 24,886.7 | 2,154.0 | 84.0 | 52,465.3 | | PRIMA NO DEVENGADA | 12,315.6 | 13,291.3 | 9,122.3 | 16,784.9 | 8,018.1 | 59,532.2 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 7,722.2 | -536.2 | -2,000.1 | 14,102.1 | 3,495.9 | 22,783.9 | | RESERVA CATASTROFICA | 4,023.8 | 14,820.0 | 8,066.3 | 6,049.2 | 3,023.7 | 35,983.0 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 236,159.3 | 230,315.4 | 297,846.4 | 134,459.1 | 70,025.8 | 968,806.0 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 434,254.7 | 266,964.4 | 359,848.5 | 151,608.0 | 216,484.2 | 1,429,159.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 187,251.3 | 37,975.3 | 34,476.8 | 37,758.8 | 152,495.8 | 449,958.0 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 5,718.6 | 0.0 | 0.0 | 0.0 | 0.0 | 5,718.6 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 5,125.5 | -1,326.3 | 27,525.3 | -20,609.9 | -6,037.4 | 4,677.2 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 209,132.9 | 302,946.9 | 271,649.4 | 169,995.0 | 81,586.7 | 1,035,310.9 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 125,828.1 | 148,925.5 | 144,522.4 | 118,192.6 | 51,580.6 | 589,049.2 | | COSTO DE ADQUISICION | 86,232.5 | 56,432.0 | 95,051.4 | 61,077.3 | 26,874.8 | 325,668.0 | | OTROS GASTOS DE ADQUISICION | 20,829.0 | 41,059.1 | 30,768.2 | 37,086.1 | 16,724.1 | 146,466.5 | | COSTOS DE EXCESO DE PERDIDA | 18,766.6 | 51,434.4 | 18,702.7 | 20,029.3 | 7,981.6 | 116,914.6 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 140,613.1 | 129,753.7 | 183,137.3 | 68,654.4 | 44,352.9 | 566,511.4 | | GASTOS DE ADMINISTRACION | 150,519.0 | 137,329.0 | 190,666.1 | 77,300.0 | 48,267.3 | 604,081.4 | | DERECHOS DE EMISION | 9,905.9 | 7,575.3 | 7,528.8 | 8,645.6 | 3,914.4 | 37,570.0 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -139,924.9 | -57,092.9 | -22,815.1 | -47,112.4 | -20,981.4 | -287,926.7 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -44,763.1 | -6,225.2 | 6,577.2 | -1,034.0 | 65.4 | -45,379.7 | | UTILIDAD (PERDIDA) TECNICA | 37,853.4 | 75,135.4 | -26,617.9 | 29,226.3 | 6,699.9 | 122,297.1 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 36,617.0 | 56,159.2 | 66,646.8 | 17,648.2 | 7,545.3 | 184,616.5 | | DE INVERSIONES | 33,040.0 | 52,952.8 | 64,411.4 | 19,467.5 | 11,121.9 | 180,993.6 | | 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 | 3,576.9 | 3,449.4 | 2,235.4 | -1,819.3 | -3,576.6 | 3,865.8 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,539.7 | 23,323.2 | 28,058.9 | 11,045.1 | 5,292.4 | 69,259.3 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 36,334.1 | 51,515.4 | 80,722.8 | 29,989.0 | 16,487.5 | 215,048.8 | | EGRESOS POR TIPO DE CAMBIO | 34,794.4 | 28,192.2 | 52,663.9 | 18,943.9 | 11,195.1 | 145,789.5 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,160.3 | 160.3 | 1,907.7 | 2,795.2 | -436.6 | 5,586.9 | | OTROS PRODUCTOS | 1,800.9 | 8,290.7 | 19,593.0 | 3,279.0 | 1,593.0 | 34,556.6 | | OTROS GASTOS | 640.5 | 8,130.3 | 17,685.4 | 483.9 | 2,029.6 | 28,969.7 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 77,170.4 | 154,778.1 | 69,995.5 | 60,714.8 | 19,101.1 | 381,759.9 | | IMPUESTO SOBRE LA RENTA | 16,534.8 | 19,504.0 | 0.0 | 13,265.7 | 3,606.9 | 52,911.4 | | 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. | 60,635.6 | 135,274.1 | 69,995.5 | 47,449.1 | 15,494.2 | 328,848.5 |
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