| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 1,771,602.5 | 1,214,747.6 | 1,403,685.7 | 1,054,000.0 | 422,202.3 | 5,866,238.1 | | PRIMAS EMITIDAS | 2,510,992.3 | 1,622,678.4 | 1,579,238.6 | 1,260,742.1 | 597,475.2 | 7,571,126.6 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 529,979.5 | 298,424.9 | 175,553.0 | 143,878.2 | 175,258.6 | 1,323,094.2 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 209,410.3 | 109,505.9 | 0.0 | 62,863.9 | 14.3 | 381,794.4 | | PRIMAS CEDIDAS | 852,786.1 | 249,036.3 | 287,742.4 | 418,176.6 | 141,795.0 | 1,949,536.4 | | PRIMAS CEDIDAS AÑO ACTUAL | 1,017,640.2 | 283,302.5 | 287,778.3 | 464,958.3 | 141,806.5 | 2,195,485.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 164,854.1 | 34,266.2 | 35.9 | 46,781.6 | 11.6 | 245,949.4 | | PRIMAS RETENIDAS | 918,816.4 | 965,711.4 | 1,115,943.3 | 635,823.4 | 280,407.3 | 3,916,701.8 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 79,108.9 | 28,836.5 | 62,266.4 | 26,933.4 | 3,226.8 | 200,372.0 | | MATEMATICA Y POR CUENTA DE INVERSION | 50,332.4 | 8,061.3 | 44,802.5 | 1,666.1 | 231.3 | 105,093.6 | | PRIMA NO DEVENGADA | 28,776.5 | 20,775.2 | 17,463.8 | 25,267.4 | 2,995.5 | 95,278.4 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 7,293.9 | 8,246.8 | -268.3 | 33,396.7 | 14,884.6 | 63,553.7 | | RESERVA CATASTROFICA | 4,399.4 | 23,227.9 | 20,043.7 | 252.3 | 3,654.9 | 51,578.2 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 435,716.9 | 369,876.0 | 427,790.6 | 265,464.5 | 128,978.2 | 1,627,826.2 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 473,829.0 | 493,500.0 | 602,490.9 | 1,096,973.0 | 189,281.7 | 2,856,074.6 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 172,269.5 | 87,687.9 | 111,595.7 | 854,197.4 | 57,446.0 | 1,283,196.5 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 6,823.4 | 24,492.4 | 0.0 | 0.0 | 0.0 | 31,315.8 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | -140,980.8 | 11,443.8 | 63,104.7 | -22,688.9 | 2,857.4 | -86,263.8 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 392,297.2 | 535,524.2 | 606,110.9 | 309,776.5 | 129,662.8 | 1,973,371.6 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 220,845.3 | 259,337.7 | 238,075.7 | 206,656.5 | 85,002.2 | 1,009,917.4 | | COSTO DE ADQUISICION | 148,156.3 | 94,721.6 | 152,319.7 | 103,595.8 | 46,176.8 | 544,970.2 | | OTROS GASTOS DE ADQUISICION | 41,661.9 | 76,690.2 | 44,564.9 | 69,166.6 | 27,275.5 | 259,359.1 | | COSTOS DE EXCESO DE PERDIDA | 31,027.1 | 87,925.9 | 41,191.1 | 33,894.1 | 11,549.9 | 205,588.1 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 258,098.9 | 255,442.6 | 300,407.8 | 120,060.3 | 86,252.8 | 1,020,262.4 | | GASTOS DE ADMINISTRACION | 275,230.1 | 268,118.2 | 312,455.1 | 136,396.7 | 92,800.1 | 1,085,000.2 | | DERECHOS DE EMISION | 17,131.2 | 12,675.6 | 12,047.2 | 16,336.3 | 6,547.3 | 64,737.6 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -224,631.0 | -109,625.6 | -32,260.3 | -99,524.8 | -24,578.3 | -490,620.0 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -35,402.1 | -3,478.8 | 273.3 | -10,554.1 | -7.1 | -49,168.8 | | UTILIDAD (PERDIDA) TECNICA | 102,582.0 | 126,890.8 | 100,160.9 | 72,030.3 | -17,021.0 | 384,643.0 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 68,987.9 | 135,433.9 | 135,937.9 | 32,581.2 | 22,183.8 | 395,124.7 | | DE INVERSIONES | 58,128.5 | 114,518.4 | 129,564.7 | 39,808.0 | 24,882.4 | 366,902.0 | | 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 | 10,859.4 | 17,683.2 | 6,373.2 | -7,226.9 | -2,698.6 | 24,990.3 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,233.8 | 43,485.8 | 52,308.2 | 18,024.5 | 9,970.1 | 126,022.4 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 64,531.3 | 99,213.2 | 146,894.0 | 69,026.5 | 29,618.1 | 409,283.1 | | EGRESOS POR TIPO DE CAMBIO | 62,297.5 | 55,727.4 | 94,585.8 | 51,001.9 | 19,648.0 | 283,260.6 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 997.7 | 302.8 | -4,027.2 | 6,006.3 | -1,272.9 | 2,006.7 | | OTROS PRODUCTOS | 1,502.6 | 12,229.5 | 15,642.1 | 7,018.1 | 3,045.0 | 39,437.3 | | OTROS GASTOS | 504.9 | 11,926.7 | 19,669.4 | 1,011.9 | 4,317.9 | 37,430.8 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 174,801.4 | 306,113.3 | 284,379.8 | 128,642.3 | 13,860.0 | 907,796.8 | | IMPUESTO SOBRE LA RENTA | 41,789.4 | 33,673.0 | 0.0 | 31,125.8 | 5,887.3 | 112,475.5 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 6,588.3 | 0.0 | 0.0 | 0.0 | 6,588.3 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 133,012.0 | 279,028.6 | 284,379.8 | 97,516.5 | 7,972.7 | 801,909.6 |
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