| AMERICA | LAFISE | INISER | ASSA | MAPFRE|NICARAGUA | TOTAL INDUSTRIA | | | | | | | | | | INGRESOS POR PRIMAS | | | | | | | | PRIMAS NETAS EMITIDAS | 2,007,816.0 | 1,329,428.6 | 1,569,826.7 | 1,226,100.2 | 484,939.5 | 6,618,111.0 | | PRIMAS EMITIDAS | 2,837,457.7 | 1,773,836.7 | 1,756,292.4 | 1,452,329.6 | 688,588.7 | 8,508,505.1 | | DEVOLUCIONES Y CANCELACIONES AÑO ACTUAL | 613,931.8 | 331,351.3 | 186,465.6 | 160,138.8 | 203,634.9 | 1,495,522.4 | | DEVOLUCIONES Y CANCELACIONES AÑOS ANTERIORES | 215,709.9 | 113,056.8 | 0.0 | 66,090.6 | 14.3 | 394,871.6 | | PRIMAS CEDIDAS | 961,196.4 | 271,569.1 | 319,139.0 | 490,251.6 | 175,649.6 | 2,217,805.7 | | PRIMAS CEDIDAS AÑO ACTUAL | 1,131,069.4 | 307,895.7 | 319,174.9 | 537,836.6 | 175,661.2 | 2,471,637.8 | | PRIMAS CEDIDAS AÑOS ANTERIORES | 169,873.0 | 36,326.6 | 35.9 | 47,585.0 | 11.6 | 253,832.1 | | PRIMAS RETENIDAS | 1,046,619.6 | 1,057,859.4 | 1,250,687.8 | 735,848.6 | 309,289.8 | 4,400,305.2 | | | | | | | | | | VARIACION DE RESERVAS | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE RIESGOS EN CURSO | 78,014.8 | 31,504.5 | 66,948.6 | 38,442.2 | 3,457.9 | 218,368.0 | | MATEMATICA Y POR CUENTA DE INVERSION | 50,435.2 | 8,535.8 | 47,994.7 | 2,363.4 | 260.6 | 109,589.7 | | PRIMA NO DEVENGADA | 27,579.7 | 22,968.8 | 18,953.8 | 36,078.7 | 3,197.3 | 108,778.3 | | | | | | | | | | VARIACION NETA DE RESERVAS TECNICAS DE PREVISION | | | | | | | | RESERVA DE CONTINGENCIA | 5,057.3 | 10,457.8 | 1,587.4 | 37,976.2 | 8,956.2 | 64,034.9 | | RESERVA CATASTROFICA | 5,274.6 | 25,200.6 | 21,908.4 | 2,127.4 | 4,182.1 | 58,693.1 | | | | | | | | | | MARGEN PARA SINIESTROS Y GASTOS | | | | | | | | | | | | | | | | COSTO DE SINIESTRALIDAD | | | | | | | | COSTO NETO DE SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 485,688.8 | 392,352.9 | 437,542.3 | 285,559.3 | 141,149.7 | 1,742,293.0 | | SINIESTRALIDAD Y OTRAS OBLIGACIONES CONTRACTUALES | 530,710.2 | 520,073.4 | 679,749.5 | 1,123,839.6 | 209,906.0 | 3,064,278.7 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEG. Y REAF. CEDIDO | 178,949.7 | 91,272.5 | 155,061.4 | 861,036.3 | 65,888.9 | 1,352,208.8 | | (-)SINIESTRALIDAD RECUPERADA DEL REASEGURO NO PROPORCIONAL | 10,490.4 | 22,715.0 | 0.0 | 0.0 | 0.0 | 33,205.4 | | | | | | | | | | (+/-)INGRESOS/EGRESOS POR SINIESTROS DE PERIODOS ANTERIORES | -144,418.8 | 13,733.0 | 87,145.9 | -22,756.0 | 2,867.3 | -63,428.6 | | MARGEN PARA COSTOS Y GASTOS OPERACIONALES | 472,584.1 | 598,343.5 | 722,701.2 | 371,743.6 | 151,543.9 | 2,316,916.3 | | | | | | | | | | GASTOS OPERACIONALES | | | | | | | | | | | | | | | | COSTOS DE EMISION | 256,540.1 | 282,081.9 | 290,531.3 | 251,032.3 | 98,230.8 | 1,178,416.4 | | COSTO DE ADQUISICION | 175,541.3 | 103,708.1 | 172,545.6 | 116,545.9 | 52,340.1 | 620,681.0 | | OTROS GASTOS DE ADQUISICION | 46,638.0 | 82,798.0 | 63,213.1 | 96,447.9 | 33,282.9 | 322,379.9 | | COSTOS DE EXCESO DE PERDIDA | 34,360.8 | 95,575.8 | 54,772.6 | 38,038.4 | 12,607.8 | 235,355.4 | | | | | | | | | | GASTOS DE ADMINISTRACION (NETOS) | 287,893.8 | 283,649.5 | 340,209.8 | 132,130.1 | 92,291.4 | 1,136,174.6 | | GASTOS DE ADMINISTRACION | 306,799.8 | 297,650.5 | 353,413.1 | 151,136.4 | 99,660.0 | 1,208,659.8 | | DERECHOS DE EMISION | 18,906.0 | 14,001.0 | 13,203.4 | 19,006.3 | 7,368.6 | 72,485.3 | | | | | | | | | | (-) COMISIONES Y PART. DE UTILIDADES DE REASEGURO CEDIDO | -251,387.5 | -117,844.7 | -37,051.0 | -110,946.6 | -30,216.7 | -547,446.5 | | | | | | | | | | (+/-) INGRESOS/ EGRESOS POR COMISIONES DE PERIODOS ANTERIORES | -35,632.7 | -3,510.4 | 3,967.2 | -10,764.8 | -7.1 | -45,947.8 | | UTILIDAD (PERDIDA) TECNICA | 143,905.0 | 146,946.5 | 132,978.4 | 88,762.9 | -8,768.7 | 503,824.1 | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS | | | | | | | | | | | | | | | | PRODUCTOS Y GASTOS FINANCIEROS NETOS | 72,975.0 | 148,880.1 | 149,138.4 | 35,627.7 | 23,888.4 | 430,509.6 | | DE INVERSIONES | 62,677.2 | 125,826.1 | 142,685.2 | 44,072.2 | 27,006.2 | 402,266.9 | | 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 | 10,297.7 | 19,821.7 | 6,453.3 | -8,444.5 | -3,117.8 | 25,010.4 | | | | | | | | | | RESULTADO CAMBIARIO (NETO) | 2,282.5 | 47,836.4 | 57,729.7 | 19,966.5 | 11,164.0 | 138,979.1 | | | | | | | | | | INGRESOS POR TIPO DE CAMBIO | 70,726.6 | 108,650.6 | 161,518.1 | 76,929.3 | 32,248.3 | 450,072.9 | | EGRESOS POR TIPO DE CAMBIO | 68,444.1 | 60,814.2 | 103,788.3 | 56,962.9 | 21,084.3 | 311,093.8 | | | | | | | | | | OTROS PRODUCTOS Y GASTOS (NETOS) | 1,214.6 | 3,759.1 | -5,691.1 | 5,939.9 | -1,830.6 | 3,391.9 | | OTROS PRODUCTOS | 1,719.5 | 16,867.3 | 17,793.6 | 7,144.6 | 3,340.8 | 46,865.8 | | OTROS GASTOS | 504.9 | 13,108.3 | 23,484.7 | 1,204.7 | 5,171.4 | 43,474.0 | | | | | | | | | | UTILIDAD (PERDIDA) ANTES DEL I.R. Y P.R.S. | 220,377.1 | 347,422.1 | 334,155.5 | 150,297.0 | 24,453.1 | 1,076,704.8 | | IMPUESTO SOBRE LA RENTA | 54,476.8 | 41,812.2 | 0.0 | 36,708.1 | 6,259.5 | 139,256.6 | | PARTICIPACION EN EL RESULTADO DE SUBSIDIARIAS | 0.0 | 6,703.5 | 0.0 | 0.0 | 0.0 | 6,703.5 | | | | | | | | | | UTILIDAD (PERDIDA) DEL EJERCICIO DESPUES DE IR. Y PRS. | 165,900.3 | 312,313.4 | 334,155.5 | 113,588.9 | 18,193.6 | 944,151.7 |
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