| SUPERINTENDENCIA DE BANCOS Y OTRAS INSTITUCIONES FINANCIERAS |
| Intendencia de
Seguros |
| RAZONES TECNICAS y
FINANCIERAS - INDUSTRIA ASEGURADORA |
| ( al 30 de
Septiembre del año 2006 ) |
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| CONCEPTO |
AMERICA |
LAFISE |
INISER |
METRO |
PACIFICO |
INDUSTRIA |
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| SUFICIENCIA DE PRIMAS (
Estructura de Costo ) |
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| Gastos Adq. y Renov. / Ingreso
Neto Primas |
11.84% |
16.85% |
14.65% |
15.26% |
7.58% |
13.24% |
| Gastos Administraciòn /
Ingreso Neto Primas |
15.72% |
20.69% |
22.87% |
21.92% |
15.08% |
19.26% |
| Siniestralidad Neta / Ingreso
Neto Primas |
38.07% |
30.76% |
41.93% |
64.49% |
11.03% |
37.26% |
| Costo Exc. Perd. / Ingreso
Neto Primas |
1.77% |
12.61% |
4.58% |
2.71% |
2.32% |
4.80% |
| Utilidad o Pèrdida de
Operaciòn / Ingreso Neto Primas |
1.49% |
1.14% |
2.72% |
-6.62% |
1.07% |
-0.04% |
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| REASEGURO |
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| Primas Cedidas / Ingreso Neto
Primas |
52.55% |
16.39% |
22.93% |
60.85% |
70.95% |
44.73% |
| Com. Reaseg. Cedido / Primas
Cedidas |
24.88% |
48.17% |
30.44% |
27.89% |
14.19% |
29.11% |
| Sin. Recup. / (Primas Cedida + Costo Exc. Perd.) |
26.71% |
26.84% |
22.14% |
70.46% |
2.30% |
29.69% |
| (Pri. Ced.+ Costo Exc.Perd.-
Com.Reaseg. - Sin.Recup.) / (Pri. Ced + Costo Exc.Perd.) |
49.22% |
45.94% |
52.49% |
2.84% |
83.96% |
46.89% |
| (Pri. Ced.+ Costo Exc.Perd.-
Com.Reaseg.- Sin.Recup.) / Ingreso Neto Primas |
26.74% |
13.32% |
14.44% |
1.80% |
61.51% |
23.56% |
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| GESTION ( RETENCIÒN ) |
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| Primas Retenidas / Ingreso
Neto Primas |
47.45% |
83.61% |
77.07% |
39.15% |
29.05% |
55.27% |
| Siniestros Retenidos / Primas Retenidas |
49.65% |
27.48% |
46.49% |
50.33% |
32.18% |
41.23% |
| (Gtos. Netos Operativos + Sin. Reten.) / Primas Retenidas |
80.19% |
62.93% |
86.12% |
101.98% |
75.52% |
81.35% |
| Costo Exc. Perd. / Primas
Retenidas |
3.73% |
15.08% |
5.95% |
6.92% |
7.98% |
7.93% |
| ( Var. Resv. ) Res. /
Prima Retenida |
13.69% |
20.62% |
4.41% |
8.02% |
12.83% |
11.91% |
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| LIQUIDEZ |
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| Activo Circulante / Pasivo
Circulante |
1.0942 |
1.6857 |
1.2037 |
1.4749 |
1.4952 |
1.3907 |
| Activo Circulante
/ Rev.Técnicas y Matemàticas |
1.3191 |
1.9481 |
1.2920 |
2.1383 |
2.4110 |
1.8217 |
| Inversiones / Pasivo
Circulante |
0.7389 |
1.4161 |
0.8107 |
0.8999 |
0.9876 |
0.9706 |
| Activo Disponible / Pasivo
Circulante |
0.6826 |
1.4330 |
0.8600 |
0.9418 |
1.1414 |
1.0118 |
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| SOLVENCIA Y APALANCAMIENTO |
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| Activo Total / Pasivo Total |
1.2462 |
1.6070 |
1.1315 |
1.3736 |
1.4349 |
1.3586 |
| Pasivo Circulante / Capital Contable |
3.5926 |
1.3003 |
6.1786 |
2.2667 |
2.0155 |
3.0707 |
| Capital Contable / Pasivo Circulante |
0.2784 |
0.7690 |
0.1618 |
0.4412 |
0.4962 |
0.4293 |
| Apalancamiento Financiero |
0.6795 |
0.1959 |
0.4807 |
0.3665 |
0.1633 |
0.3772 |
| (Cap. Contable + Resv. Prev.)
/ ( Cap. Social Pagado. + Resv. Prev.) |
1.7552 |
2.5162 |
1.3193 |
1.6611 |
1.5527 |
1.7609 |
| Resv. Prev. / Siniestros
Retenidos |
0.1058 |
0.2245 |
0.1549 |
0.2783 |
0.9391 |
0.3405 |
| Inversiones Netas /
(Resv.Técnicas y Mat. - Resv.a/c Reaseg.) |
1.0081 |
1.7310 |
1.0742 |
1.8835 |
1.7847 |
1.4963 |
| ( Var. Reservas ) Bce. /
Ingreso Neto Primas |
8.72% |
10.26% |
11.58% |
3.79% |
4.70% |
7.81% |
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| RENDIMIENTO FINANCIERO |
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| Utilidad o Pérdida de Operaciones / Utilidad Neta despues IR |
30.80% |
16.55% |
18.61% |
-465.83% |
25.85% |
-74.80% |
| (Prod.Financ. + Superavit) /
[(Inver.(t) + Inver. (t-1))/2] |
5.98% |
7.48% |
6.58% |
8.08% |
5.14% |
6.65% |
| Productos y Gastos Financ.
Netos / Utilidad Neta despues IR |
65.17% |
72.50% |
36.89% |
354.35% |
59.65% |
117.71% |
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| RENTABILIDAD |
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| (Utilidad Neta despues IR +
Inc.Superavit + Inc.Resv.Cap) / Activo Total |
5.15% |
7.99% |
4.43% |
1.27% |
5.78% |
4.92% |
| (Util.Neta(p) desp.IR +
Inc.Superavit + Inc.Resv.Cap) / (Cap. Contable - Util.Neta(p) desp.IR) |
33.77% |
25.27% |
61.31% |
4.90% |
22.74% |
29.60% |
| (Utilidad Neta desp. IR +
Inc.Superavit + Inc.Resv.Cap) / Ingreso Neto Primas |
4.19% |
8.98% |
7.23% |
1.53% |
4.88% |
5.36% |
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| EFICIENCIA |
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| [Primas por Cobrar (Netas) /
Ingreso Neto Primas] x 365 dìas |
66 |
41 |
71 |
87 |
42 |
62 |
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| CRECIMIENTO Y PARTICIPACION |
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| [Ingreso Neto Primas ( t )] /
[Ingreso Neto Primas ( t -1 )] |
19.92% |
56.28% |
6.60% |
18.40% |
30.26% |
26.29% |
| [Ingreso Neto Primas ->
Cía.] / [Ingreso Neto -> Industria] |
30.47% |
11.31% |
36.79% |
10.90% |
10.53% |
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| Incre. :
[Ingreso Neto Primas -> Cía.] / [Ingreso Neto Prima ->
Industria] |
32.55% |
26.19% |
14.64% |
10.90% |
15.72% |
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| Incre. :
[Primas Retenidas -> Cìa.] / [Primas Retenidas -> Industria] |
32.53% |
41.85% |
16.30% |
5.86% |
3.46% |
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| Notas
: 1 ) Las Cuentas de Resultado son Anualizadas.
(12 meses) |
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| 2 ) Las Cuentas de Balance General, son
Promediadas ( 13 meses ). |
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