| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 418,095.0 | 365,990.6 | 388,766.0 | 295,404.2 | 119,406.0 | 1,587,661.8 | | PRIMAS EMITIDAS | 631,239.1 | 480,438.7 | 429,425.4 | 364,498.9 | 148,771.6 | 2,054,373.7 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 77,793.2 | 50,936.2 | 40,659.4 | 22,206.8 | 29,351.4 | 220,947.0 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 135,350.9 | 63,511.9 | 0.0 | 46,887.9 | 14.3 | 245,765.0 | | PRIMAS CEDIDAS | 187,950.3 | 67,899.5 | 61,149.0 | 109,447.6 | 41,319.7 | 467,766.1 | | PRIMAS CEDIDAS AÑO ACTUAL | 294,456.1 | 88,550.0 | 61,149.0 | 125,098.4 | 41,331.3 | 610,584.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 106,505.8 | 20,650.5 | 0.0 | 15,650.8 | 11.6 | 142,818.7 | | PRIMAS RETENIDAS | 230,144.7 | 298,091.1 | 327,617.0 | 185,956.6 | 78,086.3 | 1,119,895.7 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 19,205.5 | 5,574.1 | 27,050.0 | 10,139.1 | 1,614.2 | 63,582.9 | | MATEMATICA Y POR CUENTA DE INVERSION | 15,139.0 | -14.5 | 15,393.3 | 1,165.0 | 72.0 | 31,754.8 | | PRIMA NO DEVENGADA | 4,066.5 | 5,588.6 | 11,656.6 | 8,974.2 | 1,542.2 | 31,828.1 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 1,265.7 | 8,694.5 | -4,736.1 | 10,277.9 | 8,788.5 | 24,290.5 | | RESERVA CATASTROFICA | 2,042.4 | 7,876.2 | 3,811.7 | 3,822.0 | 1,088.0 | 18,640.3 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 112,774.3 | 114,415.7 | 127,694.5 | 66,413.5 | 26,441.5 | 447,739.5 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 76,529.1 | 149,402.2 | 220,276.3 | 74,714.7 | 35,974.3 | 556,896.6 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 70,943.5 | 33,187.0 | 53,651.8 | 14,267.7 | 6,767.2 | 178,817.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 2,568.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,568.7 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | -109,757.4 | 1,799.5 | 38,929.9 | -5,966.5 | 2,765.5 | -72,229.0 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 94,856.8 | 161,530.7 | 173,796.9 | 95,304.0 | 40,154.1 | 565,642.5 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 52,913.2 | 74,228.0 | 69,160.1 | 61,370.8 | 24,855.3 | 282,527.4 | | COSTO DE ADQUISICION | 37,684.9 | 30,834.4 | 43,604.8 | 32,444.2 | 12,939.2 | 157,507.5 | | OTROS GASTOS DE ADQUISICION | 8,599.6 | 20,991.1 | 9,822.7 | 19,224.7 | 8,635.6 | 67,273.7 | | COSTOS DE EXCESO DE PERDIDA | 6,628.7 | 22,402.5 | 15,732.6 | 9,702.0 | 3,280.4 | 57,746.2 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 66,982.3 | 62,769.9 | 76,479.8 | 33,680.5 | 21,991.0 | 261,903.5 | | GASTOS DE ADMINISTRACION | 71,370.2 | 66,648.8 | 80,238.9 | 38,078.9 | 23,929.4 | 280,266.2 | | DERECHOS DE EMISION | 4,387.8 | 3,878.9 | 3,759.1 | 4,398.3 | 1,938.4 | 18,362.5 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -53,939.2 | -27,170.5 | -8,615.0 | -25,521.3 | -7,233.0 | -122,479.0 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -20,501.1 | -1,875.9 | -2.5 | -2,780.1 | -7.1 | -25,166.7 | | UTILIDAD (PERDIDA) TECNICA | 8,399.3 | 49,827.4 | 36,769.3 | 22,993.9 | 533.7 | 118,523.6 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 20,022.4 | 32,355.5 | 35,673.3 | 7,692.5 | 6,746.5 | 102,490.2 | | DE INVERSIONES | 17,963.1 | 29,128.0 | 32,096.9 | 9,494.5 | 7,367.8 | 96,050.3 | | POR VENTA DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | POR VALUACION DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | OTROS PRODUCTOS FINANCIEROS | 2,059.2 | 3,227.5 | 3,576.4 | -1,802.0 | -621.2 | 6,439.9 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 1,443.7 | 11,490.0 | 13,122.4 | 4,840.1 | 2,860.6 | 33,756.8 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 18,364.4 | 25,697.6 | 38,524.9 | 14,799.0 | 8,105.0 | 105,490.9 | | EGRESOS POR TIPO DE CAMBIO | 16,920.7 | 14,207.5 | 25,402.5 | 9,958.8 | 5,244.4 | 71,733.9 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 230.7 | -2,108.2 | -1,347.4 | 1,056.6 | 301.0 | -1,867.3 | | OTROS PRODUCTOS | 230.7 | 1,573.0 | 5,361.0 | 1,488.8 | 1,375.4 | 10,028.9 | | OTROS GASTOS | 0.0 | 3,681.2 | 6,708.4 | 432.2 | 1,074.4 | 11,896.2 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 30,096.0 | 91,564.7 | 84,217.6 | 36,583.1 | 10,441.8 | 252,903.2 | | IMPUESTO SOBRE LA RENTA | 6,183.1 | 15,530.7 | 0.0 | 8,417.8 | 1,640.1 | 31,771.7 | | 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. | 23,912.9 | 76,034.0 | 84,217.6 | 28,165.3 | 8,801.8 | 221,131.6 |
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