| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,557,853.5 | 1,100,678.4 | 1,245,473.2 | 970,034.0 | 389,411.6 | 5,263,450.7 | | PRIMAS EMITIDAS | 2,254,158.8 | 1,474,570.0 | 1,401,799.1 | 1,160,741.3 | 557,261.6 | 6,848,530.8 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 490,722.5 | 265,446.2 | 156,325.9 | 128,547.5 | 167,835.7 | 1,208,877.8 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 205,582.8 | 108,445.3 | 0.0 | 62,159.8 | 14.3 | 376,202.2 | | PRIMAS CEDIDAS | 747,961.6 | 226,561.2 | 234,463.2 | 396,997.4 | 136,957.0 | 1,742,940.4 | | PRIMAS CEDIDAS AÑO ACTUAL | 910,849.1 | 260,675.3 | 234,499.1 | 439,539.1 | 136,968.6 | 1,982,531.2 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 162,887.5 | 34,114.1 | 35.9 | 42,541.7 | 11.6 | 239,590.8 | | PRIMAS RETENIDAS | 809,891.9 | 874,117.2 | 1,011,010.0 | 573,036.6 | 252,454.7 | 3,520,510.4 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 67,480.2 | 27,143.2 | 60,411.5 | 23,686.8 | 997.8 | 179,719.5 | | MATEMATICA Y POR CUENTA DE INVERSION | 45,648.3 | 7,691.8 | 41,365.4 | 1,440.0 | 218.1 | 96,363.6 | | PRIMA NO DEVENGADA | 21,831.9 | 19,451.5 | 19,046.1 | 22,246.7 | 779.7 | 83,355.9 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 2,214.6 | 5,401.7 | -773.3 | 31,346.9 | 17,998.3 | 56,188.2 | | RESERVA CATASTROFICA | 4,149.2 | 20,965.9 | 16,516.0 | 1,494.1 | 3,296.4 | 46,421.6 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 394,055.8 | 338,354.5 | 386,093.6 | 234,242.4 | 112,543.8 | 1,465,290.1 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 418,641.6 | 458,281.6 | 553,130.0 | 1,059,801.1 | 170,488.9 | 2,660,343.2 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 157,077.0 | 82,009.6 | 108,059.3 | 847,523.3 | 55,109.9 | 1,249,779.1 | | (-)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 | -139,314.7 | 11,321.5 | 58,977.1 | -21,964.6 | 2,835.2 | -88,145.5 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 341,992.0 | 482,251.8 | 548,762.2 | 282,266.4 | 117,618.3 | 1,772,890.7 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 194,548.0 | 233,940.0 | 214,632.1 | 186,171.9 | 77,741.6 | 907,033.6 | | COSTO DE ADQUISICION | 129,484.5 | 85,292.3 | 136,861.7 | 93,316.2 | 42,016.7 | 486,971.4 | | OTROS GASTOS DE ADQUISICION | 37,356.4 | 68,877.5 | 39,566.9 | 62,461.4 | 24,932.5 | 233,194.7 | | COSTOS DE EXCESO DE PERDIDA | 27,707.1 | 79,770.2 | 38,203.4 | 30,394.2 | 10,792.4 | 186,867.3 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 233,394.1 | 230,788.5 | 271,288.2 | 109,212.9 | 77,658.6 | 922,342.3 | | GASTOS DE ADMINISTRACION | 248,716.4 | 242,245.2 | 282,309.0 | 124,235.0 | 83,711.0 | 981,216.6 | | DERECHOS DE EMISION | 15,322.4 | 11,456.7 | 11,020.8 | 15,022.1 | 6,052.4 | 58,874.4 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -201,285.6 | -99,553.0 | -29,558.9 | -92,449.6 | -23,481.2 | -446,328.3 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -34,530.5 | -3,416.7 | 273.3 | -9,356.4 | -7.1 | -47,037.4 | | UTILIDAD (PERDIDA) TECNICA | 80,805.1 | 113,659.5 | 92,674.2 | 69,974.9 | -14,307.7 | 342,806.0 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 63,695.6 | 122,698.1 | 120,938.7 | 29,507.0 | 19,926.9 | 356,766.3 | | DE INVERSIONES | 52,688.9 | 103,703.8 | 116,799.0 | 35,720.3 | 22,739.4 | 331,651.4 | | 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 | 11,006.7 | 15,762.0 | 4,139.6 | -6,213.4 | -2,812.5 | 21,882.4 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,259.7 | 39,388.1 | 47,267.1 | 16,140.3 | 9,134.3 | 114,189.5 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 58,894.7 | 89,979.4 | 133,255.6 | 61,046.8 | 27,259.4 | 370,435.9 | | EGRESOS POR TIPO DE CAMBIO | 56,635.1 | 50,591.3 | 85,988.6 | 44,906.5 | 18,125.2 | 256,246.7 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 970.4 | 1,196.0 | -2,046.3 | 4,854.7 | -501.8 | 4,473.0 | | OTROS PRODUCTOS | 1,436.2 | 11,978.8 | 15,316.6 | 5,816.8 | 3,007.5 | 37,555.9 | | OTROS GASTOS | 465.8 | 10,782.7 | 17,362.9 | 962.1 | 3,509.3 | 33,082.8 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 147,730.8 | 276,941.8 | 258,833.6 | 120,476.8 | 14,251.7 | 818,234.7 | | IMPUESTO SOBRE LA RENTA | 34,871.3 | 28,705.0 | 0.0 | 28,636.9 | 5,580.4 | 97,793.6 | | 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. | 112,859.5 | 248,236.8 | 258,833.6 | 91,839.9 | 8,671.2 | 720,441.0 |
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