| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,531,033.7 | 1,084,594.8 | 1,286,007.8 | 868,703.9 | 403,317.8 | 5,173,658.0 | | PRIMAS EMITIDAS | 2,358,449.0 | 1,442,796.0 | 1,439,253.4 | 1,012,664.1 | 528,853.4 | 6,782,015.9 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 452,357.2 | 251,177.5 | 153,245.6 | 114,415.8 | 125,535.6 | 1,096,731.7 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 375,058.2 | 107,023.6 | 0.0 | 29,544.5 | 0.0 | 511,626.3 | | PRIMAS CEDIDAS | 739,879.7 | 214,099.6 | 257,989.8 | 328,183.0 | 141,991.7 | 1,682,143.8 | | PRIMAS CEDIDAS AÑO ACTUAL | 1,062,779.5 | 244,574.9 | 258,109.8 | 354,782.4 | 142,021.5 | 2,062,268.1 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 322,899.8 | 30,475.3 | 120.0 | 26,599.4 | 29.8 | 380,124.3 | | PRIMAS RETENIDAS | 791,154.0 | 870,495.2 | 1,028,018.0 | 540,520.9 | 261,326.1 | 3,491,514.2 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 58,406.1 | 17,932.6 | 68,717.5 | 31,280.4 | 11,688.3 | 188,024.9 | | MATEMATICA Y POR CUENTA DE INVERSION | 45,363.4 | 598.4 | 41,276.3 | 2,559.3 | 151.8 | 89,949.2 | | PRIMA NO DEVENGADA | 13,042.6 | 17,334.2 | 27,441.2 | 28,721.1 | 11,536.5 | 98,075.6 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 11,304.9 | -1,573.3 | 135.0 | 19,366.9 | 1,461.5 | 30,695.0 | | RESERVA CATASTROFICA | 6,263.2 | 22,212.4 | 18,016.3 | 10,791.7 | 1,020.3 | 58,303.9 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 381,136.8 | 368,844.3 | 498,008.0 | 219,938.1 | 110,074.7 | 1,578,001.9 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 670,787.1 | 430,183.1 | 591,619.1 | 275,224.0 | 320,199.1 | 2,288,012.4 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 245,066.0 | 57,120.7 | 59,574.7 | 76,854.2 | 216,047.9 | 654,663.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 30,263.7 | 0.0 | 0.0 | 0.0 | 0.0 | 30,263.7 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | 14,320.6 | 4,218.1 | 34,036.4 | -21,568.3 | -5,923.5 | 25,083.3 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 334,043.0 | 463,079.2 | 443,141.2 | 259,143.8 | 137,081.4 | 1,636,488.6 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 211,140.8 | 227,298.1 | 241,879.4 | 182,948.2 | 83,077.3 | 946,343.8 | | COSTO DE ADQUISICION | 138,649.9 | 88,378.8 | 151,925.8 | 91,968.9 | 42,529.6 | 513,453.0 | | OTROS GASTOS DE ADQUISICION | 33,475.4 | 64,361.6 | 53,808.5 | 59,241.7 | 27,016.7 | 237,903.9 | | COSTOS DE EXCESO DE PERDIDA | 39,015.6 | 74,557.7 | 36,145.1 | 31,737.6 | 13,531.0 | 194,987.0 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 226,320.8 | 210,638.6 | 278,291.0 | 113,179.3 | 70,905.5 | 899,335.2 | | GASTOS DE ADMINISTRACION | 241,626.7 | 222,593.2 | 289,877.1 | 126,311.3 | 77,069.1 | 957,477.4 | | DERECHOS DE EMISION | 15,305.9 | 11,954.6 | 11,586.1 | 13,132.0 | 6,163.6 | 58,142.2 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -212,285.0 | -92,738.1 | -30,072.2 | -68,437.5 | -27,554.3 | -431,087.1 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -48,708.7 | -6,688.2 | 7,451.8 | -4,477.7 | 65.4 | -52,357.4 | | UTILIDAD (PERDIDA) TECNICA | 60,157.6 | 111,192.4 | -39,505.1 | 26,976.1 | 10,718.2 | 169,539.2 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 58,965.5 | 101,620.5 | 108,919.0 | 28,342.0 | 15,361.6 | 313,208.6 | | DE INVERSIONES | 52,900.9 | 88,433.1 | 105,760.8 | 31,282.3 | 18,524.7 | 296,901.8 | | 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 | 6,064.5 | 13,430.4 | 3,158.1 | -2,940.2 | -3,163.1 | 16,549.7 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,575.4 | 37,583.2 | 44,483.4 | 17,721.2 | 8,534.8 | 110,898.0 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 57,931.7 | 82,591.1 | 129,135.1 | 49,083.7 | 27,791.9 | 346,533.5 | | EGRESOS POR TIPO DE CAMBIO | 55,356.2 | 45,007.9 | 84,651.7 | 31,362.5 | 19,257.1 | 235,635.4 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 2,037.4 | -274.7 | -1,127.5 | 4,754.1 | -981.9 | 4,407.4 | | OTROS PRODUCTOS | 3,013.1 | 11,482.6 | 24,736.9 | 5,572.8 | 2,102.2 | 46,907.6 | | OTROS GASTOS | 975.7 | 11,757.4 | 25,864.4 | 818.8 | 3,084.2 | 42,500.5 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 123,735.9 | 250,121.4 | 112,769.9 | 77,793.4 | 33,632.6 | 598,053.2 | | IMPUESTO SOBRE LA RENTA | 26,172.3 | 26,163.2 | 0.0 | 16,320.7 | 7,154.9 | 75,811.1 | | 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. | 97,563.6 | 223,958.1 | 112,769.9 | 61,472.7 | 26,477.6 | 522,241.9 |
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