| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,407,536.4 | 990,362.7 | 1,144,575.8 | 885,682.1 | 351,581.1 | 4,779,738.1 | | PRIMAS EMITIDAS | 2,009,794.3 | 1,330,677.7 | 1,287,106.6 | 1,056,577.3 | 509,236.3 | 6,193,392.2 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 400,856.5 | 237,047.8 | 142,530.8 | 109,190.2 | 157,640.9 | 1,047,266.2 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 201,401.5 | 103,267.1 | 0.0 | 61,705.0 | 14.3 | 366,387.9 | | PRIMAS CEDIDAS | 683,313.4 | 201,198.8 | 220,792.8 | 371,310.0 | 129,937.7 | 1,606,552.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 843,115.1 | 231,458.9 | 220,828.8 | 410,111.1 | 129,949.2 | 1,835,463.1 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 159,801.7 | 30,260.1 | 35.9 | 38,801.2 | 11.6 | 228,910.5 | | PRIMAS RETENIDAS | 724,223.0 | 789,163.9 | 923,783.0 | 514,372.2 | 221,643.5 | 3,173,185.6 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 58,510.0 | 26,463.9 | 58,765.9 | 22,779.7 | 1,485.2 | 168,004.7 | | MATEMATICA Y POR CUENTA DE INVERSION | 39,917.7 | 7,940.5 | 37,127.0 | 1,158.2 | 179.1 | 86,322.5 | | PRIMA NO DEVENGADA | 18,592.3 | 18,523.5 | 21,638.9 | 21,621.4 | 1,306.1 | 81,682.2 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 1,606.2 | 9,183.5 | -1,040.8 | 27,597.1 | 17,296.5 | 54,642.5 | | RESERVA CATASTROFICA | 5,619.6 | 18,903.8 | 14,951.2 | 5,723.0 | 2,872.9 | 48,070.5 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 352,401.9 | 304,219.3 | 346,639.3 | 204,418.4 | 94,712.6 | 1,302,391.5 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 367,734.9 | 415,891.4 | 506,195.3 | 1,017,968.6 | 120,530.3 | 2,428,320.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 144,779.4 | 74,002.5 | 83,078.0 | 834,958.5 | 22,963.7 | 1,159,782.1 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 6,823.4 | 26,596.0 | 0.0 | 0.0 | 0.0 | 33,419.4 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | -136,269.8 | 11,073.6 | 76,478.0 | -21,408.2 | 2,854.1 | -67,272.3 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 306,085.2 | 430,393.3 | 504,467.3 | 253,854.1 | 105,276.3 | 1,600,076.2 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 173,082.6 | 209,203.0 | 195,990.1 | 167,502.6 | 69,584.3 | 815,362.6 | | COSTO DE ADQUISICION | 115,939.5 | 77,179.1 | 125,565.8 | 84,429.5 | 37,031.9 | 440,145.8 | | OTROS GASTOS DE ADQUISICION | 32,742.6 | 62,598.1 | 35,208.5 | 55,948.2 | 22,817.9 | 209,315.3 | | COSTOS DE EXCESO DE PERDIDA | 24,400.4 | 69,425.7 | 35,215.8 | 27,124.8 | 9,734.5 | 165,901.2 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 209,002.9 | 203,106.8 | 242,892.3 | 97,396.0 | 70,097.0 | 822,495.0 | | GASTOS DE ADMINISTRACION | 222,808.4 | 213,356.9 | 252,830.9 | 110,978.6 | 75,599.6 | 875,574.4 | | DERECHOS DE EMISION | 13,805.5 | 10,250.1 | 9,938.6 | 13,582.5 | 5,502.6 | 53,079.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -188,756.0 | -90,350.1 | -27,379.1 | -86,381.1 | -21,528.9 | -414,395.2 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -33,335.2 | -3,222.8 | 4.4 | -8,294.8 | -7.1 | -44,855.5 | | UTILIDAD (PERDIDA) TECNICA | 79,420.5 | 105,210.9 | 92,968.4 | 67,041.8 | -12,883.3 | 331,758.3 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 57,034.4 | 110,103.2 | 105,858.2 | 26,526.2 | 17,953.5 | 317,475.5 | | DE INVERSIONES | 47,339.3 | 92,595.8 | 104,254.6 | 31,774.2 | 20,436.8 | 296,400.7 | | 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 | 9,695.1 | 14,275.1 | 1,603.6 | -5,248.0 | -2,483.3 | 17,842.5 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,337.2 | 35,235.9 | 42,115.8 | 15,185.4 | 8,266.9 | 103,141.2 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 53,130.8 | 80,612.2 | 119,193.2 | 53,045.9 | 24,831.6 | 330,813.7 | | EGRESOS POR TIPO DE CAMBIO | 50,793.6 | 45,376.3 | 77,077.5 | 37,860.5 | 16,564.7 | 227,672.6 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 984.9 | 47.2 | -2,791.0 | 4,314.2 | -115.9 | 2,439.4 | | OTROS PRODUCTOS | 1,298.3 | 9,747.3 | 13,349.9 | 5,162.1 | 2,915.3 | 32,472.9 | | OTROS GASTOS | 313.4 | 9,700.2 | 16,140.9 | 847.8 | 3,031.2 | 30,033.5 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 139,777.1 | 250,597.2 | 238,151.4 | 113,067.7 | 13,221.2 | 754,814.6 | | IMPUESTO SOBRE LA RENTA | 33,671.1 | 26,644.1 | 0.0 | 26,692.4 | 4,701.6 | 91,709.2 | | 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. | 106,105.9 | 223,953.1 | 238,151.4 | 86,375.3 | 8,519.6 | 663,105.3 |
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