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SUPERINTENDENCIA DE BANCOS Y OTRAS INSTITUCIONES
FINANCIERAS |
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Intendencia de Seguros |
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RAZONES TECNICAS y FINANCIERAS -
INDUSTRIA ASEGURADORA |
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( al 31 de Octubre 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 |
11.81% |
16.75% |
14.55% |
15.83% |
7.63% |
13.31% |
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Gastos Administraciòn / Ingreso Neto Primas |
15.51% |
20.58% |
22.54% |
23.21% |
15.12% |
19.39% |
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Siniestralidad Neta / Ingreso Neto Primas |
38.93% |
33.93% |
40.52% |
66.62% |
10.37% |
38.07% |
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Costo Exc. Perd. / Ingreso Neto Primas |
1.76% |
12.28% |
4.77% |
2.80% |
2.32% |
4.79% |
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Utilidad o Pèrdida de Operaciòn / Ingreso Neto Primas |
1.31% |
0.19% |
3.19% |
-8.32% |
1.82% |
-0.36% |
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REASEGURO |
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Primas Cedidas / Ingreso Neto Primas |
52.81% |
17.00% |
23.21% |
61.67% |
71.43% |
45.22% |
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Com. Reaseg.
Cedido / Primas Cedidas |
24.81% |
47.57% |
29.92% |
28.27% |
14.49% |
29.01% |
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Sin. Recup. / (Primas
Cedida + Costo Exc. Perd.) |
27.65% |
32.20% |
22.17% |
71.79% |
2.19% |
31.20% |
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(Pri. Ced.+ Costo Exc.Perd.- Com.Reaseg. - Sin.Recup.) / (Pri.
Ced + Costo Exc.Perd.) |
48.33% |
40.19% |
53.01% |
1.17% |
83.78% |
45.30% |
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(Pri. Ced.+ Costo Exc.Perd.- Com.Reaseg.- Sin.Recup.) /
Ingreso Neto Primas |
26.37% |
11.77% |
14.83% |
0.75% |
61.79% |
23.10% |
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GESTION ( RETENCIÒN ) |
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Primas Retenidas / Ingreso Neto Primas |
47.19% |
83.00% |
76.79% |
38.33% |
28.57% |
54.78% |
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Siniestros Retenidos /
Primas Retenidas |
50.52% |
29.52% |
44.68% |
53.07% |
30.64% |
41.69% |
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(Gtos. Netos Operativos +
Sin. Reten.) / Primas Retenidas |
80.66% |
64.75% |
83.94% |
109.44% |
74.06% |
82.57% |
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Costo Exc. Perd. / Primas Retenidas |
3.72% |
14.80% |
6.21% |
7.31% |
8.13% |
8.03% |
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( Var. Resv. ) Res.
/ Prima Retenida |
13.71% |
20.23% |
5.69% |
4.95% |
11.44% |
11.20% |
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LIQUIDEZ |
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Activo Circulante / Pasivo Circulante |
1.0973 |
1.6840 |
1.2113 |
1.4610 |
1.5041 |
1.3915 |
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Activo
Circulante / Rev.Técnicas y
Matemàticas |
1.3220 |
1.9367 |
1.3022 |
2.1151 |
2.3864 |
1.8125 |
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Inversiones / Pasivo Circulante |
0.7266 |
1.4089 |
0.8205 |
0.8862 |
0.9874 |
0.9659 |
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Activo Disponible / Pasivo Circulante |
0.6860 |
1.4250 |
0.8688 |
0.9263 |
1.1452 |
1.0103 |
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SOLVENCIA Y APALANCAMIENTO |
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Activo Total / Pasivo Total |
1.2426 |
1.5928 |
1.1342 |
1.3690 |
1.4357 |
1.3549 |
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Pasivo
Circulante / Capital Contable |
3.6415 |
1.3273 |
6.0316 |
2.3061 |
2.0051 |
3.0623 |
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Capital Contable /
Pasivo Circulante |
0.2746 |
0.7534 |
0.1658 |
0.4336 |
0.4987 |
0.4252 |
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Apalancamiento Financiero |
0.6847 |
0.1981 |
0.4729 |
0.3418 |
0.1576 |
0.3710 |
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(Cap. Contable + Resv. Prev.) / ( Cap. Social Pagado. + Resv.
Prev.) |
1.7341 |
2.4711 |
1.3525 |
1.6323 |
1.5518 |
1.7484 |
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Resv. Prev. / Siniestros Retenidos |
0.1047 |
0.2092 |
0.1591 |
0.2764 |
1.0098 |
0.3518 |
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Inversiones Netas / (Resv.Técnicas y Mat. - Resv.a/c Reaseg.) |
0.9949 |
1.7147 |
1.0883 |
1.8864 |
1.7564 |
1.4881 |
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( Var. Reservas ) Bce.
/ Ingreso Neto Primas |
9.16% |
11.66% |
10.76% |
4.96% |
4.76% |
8.26% |
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RENDIMIENTO FINANCIERO |
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Utilidad o Pérdida de
Operaciones / Utilidad Neta despues IR |
26.44% |
3.21% |
21.64% |
9281.95% |
40.20% |
####### |
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(Prod.Financ. + Superavit) / [(Inver.(t) + Inver. (t-1))/2] |
6.16% |
7.57% |
6.47% |
8.02% |
5.02% |
6.65% |
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Productos y Gastos Financ. Netos / Utilidad Neta despues IR |
71.44% |
87.25% |
37.60% |
######## |
53.72% |
####### |
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RENTABILIDAD |
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(Utilidad Neta despues IR + Inc.Superavit + Inc.Resv.Cap) /
Activo Total |
4.82% |
6.97% |
4.51% |
0.02% |
6.23% |
4.51% |
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(Util.Neta(p) desp.IR + Inc.Superavit + Inc.Resv.Cap) / (Cap.
Contable - Util.Neta(p) desp.IR) |
31.45% |
21.74% |
60.96% |
0.06% |
24.92% |
27.83% |
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(Utilidad Neta desp. IR + Inc.Superavit + Inc.Resv.Cap) /
Ingreso Neto Primas |
3.91% |
7.76% |
7.39% |
0.02% |
5.27% |
4.87% |
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EFICIENCIA |
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[Primas por Cobrar (Netas) / Ingreso Neto Primas] x 365 dìas |
66 |
42 |
71 |
89 |
42 |
62 |
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CRECIMIENTO Y PARTICIPACION |
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[Ingreso Neto Primas ( t )] / [Ingreso Neto Primas ( t -1 )] |
20.63% |
57.78% |
8.44% |
14.81% |
26.47% |
25.63% |
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[Ingreso Neto Primas -> Cía.] / [Ingreso Neto ->
Industria] |
30.76% |
11.60% |
36.70% |
10.50% |
10.43% |
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Incre. : [Ingreso Neto Primas -> Cía.] /
[Ingreso Neto Prima -> Industria] |
33.08% |
26.70% |
17.97% |
8.52% |
13.73% |
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Incre. : [Primas Retenidas -> Cìa.] / [Primas
Retenidas -> Industria] |
30.84% |
40.83% |
21.19% |
3.17% |
3.97% |
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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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