| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,108,589.0 | 786,796.2 | 817,552.8 | 720,928.8 | 285,728.5 | 3,719,595.3 | | PRIMAS EMITIDAS | 1,558,403.5 | 1,040,341.8 | 922,066.8 | 855,084.2 | 420,054.2 | 4,795,950.5 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 259,804.6 | 157,049.0 | 104,514.0 | 76,474.0 | 134,311.5 | 732,153.1 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 190,009.8 | 96,496.5 | 0.0 | 57,681.5 | 14.3 | 344,202.1 | | PRIMAS CEDIDAS | 541,995.1 | 167,430.5 | 143,198.0 | 319,513.3 | 109,899.8 | 1,282,036.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 693,704.6 | 195,551.5 | 143,198.0 | 348,211.3 | 109,911.4 | 1,490,576.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 151,709.5 | 28,121.1 | 0.0 | 28,698.0 | 11.6 | 208,540.2 | | PRIMAS RETENIDAS | 566,594.0 | 619,365.7 | 674,354.8 | 401,415.5 | 175,828.7 | 2,437,558.7 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 51,869.5 | 20,308.8 | 45,783.5 | 15,957.0 | 916.8 | 134,835.6 | | MATEMATICA Y POR CUENTA DE INVERSION | 36,996.6 | 8,299.5 | 29,745.7 | 1,408.0 | 128.2 | 76,578.0 | | PRIMA NO DEVENGADA | 14,873.0 | 12,009.3 | 16,037.7 | 14,549.1 | 788.6 | 58,257.7 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 298.9 | 10,271.8 | -4,247.3 | 24,703.6 | 16,941.3 | 47,968.3 | | RESERVA CATASTROFICA | 4,548.2 | 15,541.0 | 9,843.2 | 3,295.4 | 1,523.0 | 34,750.8 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 272,009.1 | 228,351.2 | 281,453.6 | 149,157.1 | 70,816.6 | 1,001,787.6 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 265,449.4 | 299,770.5 | 420,586.9 | 943,987.1 | 92,096.3 | 2,021,890.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 119,495.4 | 61,489.2 | 80,960.0 | 810,236.0 | 18,380.4 | 1,090,561.0 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 6,722.6 | 0.0 | 0.0 | 0.0 | 0.0 | 6,722.6 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | -132,777.7 | 9,930.1 | 58,173.3 | -15,406.0 | 2,899.4 | -77,180.9 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 237,868.1 | 344,892.9 | 341,521.8 | 208,302.3 | 85,631.1 | 1,218,216.2 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 134,160.7 | 163,612.4 | 145,958.7 | 131,337.2 | 54,857.7 | 629,926.7 | | COSTO DE ADQUISICION | 92,531.2 | 61,119.2 | 92,138.5 | 66,549.7 | 29,103.9 | 341,442.5 | | OTROS GASTOS DE ADQUISICION | 23,800.1 | 49,805.6 | 25,645.9 | 43,632.6 | 18,135.0 | 161,019.2 | | COSTOS DE EXCESO DE PERDIDA | 17,829.4 | 52,687.6 | 28,174.3 | 21,154.9 | 7,618.8 | 127,465.0 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 162,488.7 | 155,022.0 | 191,465.7 | 74,947.7 | 54,201.4 | 638,125.5 | | GASTOS DE ADMINISTRACION | 173,466.4 | 163,182.8 | 199,379.4 | 86,007.1 | 58,513.1 | 680,548.8 | | DERECHOS DE EMISION | 10,977.7 | 8,160.8 | 7,913.7 | 11,059.4 | 4,311.7 | 42,423.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -143,472.5 | -65,065.3 | -22,519.8 | -72,914.6 | -17,924.8 | -321,897.0 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -30,928.8 | -3,098.7 | 11.6 | -5,588.8 | -7.1 | -39,611.8 | | UTILIDAD (PERDIDA) TECNICA | 53,762.4 | 88,225.0 | 26,628.7 | 69,343.2 | -5,510.2 | 232,449.1 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 44,098.2 | 84,215.1 | 84,419.2 | 19,665.2 | 13,719.1 | 246,116.8 | | DE INVERSIONES | 36,458.5 | 71,131.2 | 79,642.8 | 24,085.3 | 16,006.6 | 227,324.4 | | POR VENTA DE INVERSIONES | 0.0 | 3,232.3 | 0.0 | 0.0 | 0.0 | 3,232.3 | | POR VALUACION DE INVERSIONES | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | OTROS PRODUCTOS FINANCIEROS | 7,639.7 | 9,851.6 | 4,776.4 | -4,420.1 | -2,287.5 | 15,560.1 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,594.3 | 27,207.6 | 32,094.8 | 11,636.5 | 6,484.9 | 80,018.1 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 41,836.1 | 61,644.0 | 91,736.8 | 36,084.6 | 19,342.1 | 250,643.6 | | EGRESOS POR TIPO DE CAMBIO | 39,241.8 | 34,436.5 | 59,642.1 | 24,448.2 | 12,857.2 | 170,625.8 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 891.1 | -3,423.7 | -2,193.1 | 4,177.8 | -3.2 | -551.1 | | OTROS PRODUCTOS | 1,043.5 | 4,322.5 | 10,806.9 | 4,831.2 | 2,438.8 | 23,442.9 | | OTROS GASTOS | 152.4 | 7,746.2 | 13,000.0 | 653.4 | 2,442.0 | 23,994.0 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 101,345.8 | 196,224.1 | 140,949.5 | 104,822.7 | 14,690.6 | 558,032.7 | | IMPUESTO SOBRE LA RENTA | 24,427.2 | 22,449.8 | 0.0 | 25,834.7 | 3,975.4 | 76,687.1 | | 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. | 76,918.6 | 173,774.3 | 140,949.5 | 78,988.0 | 10,715.2 | 481,345.6 |
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