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| Superintendencia de Bancos y Otras Instituciones Financieras |
| Intendencia de Seguros |
| RAZONES TECNICAS y FINANCIERAS - INDUSTRIA
ASEGURADORA |
| AL 31 DE MAYO DE 2016 |
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| CONCEPTO |
AMERICA |
LAFISE |
INISER |
ASSA |
MAPFRE |
INDUSTRIA |
| INDICES
NORMATIVOS |
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| Inversión
Mínima |
1.1536 |
1.1753 |
1.3754 |
1.3350 |
1.1706 |
1.2420 |
| Margen de Solvencia |
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|
#¡DIV/0! |
| Límites
de Endeudamiento |
3.4989 |
1.0718 |
1.1196 |
1.0798 |
1.7821 |
1.7104 |
| Límites
de Retención |
2.3266 |
1.0759 |
0.7725 |
1.0221 |
1.0322 |
1.2459 |
| Suficiencia
de Reaseguro Catastrófico (Patrimonio)* |
1.2204 |
1.9300 |
1.1850 |
1.4600 |
1.3646 |
1.4320 |
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| SUFICIENCIA
DE PRIMAS ( Estructura de Costo ) |
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| Costo
de Adquisición |
11.44% |
14.32% |
16.75% |
17.19% |
16.66% |
14.70% |
| Costo
de Administración |
13.69% |
17.76% |
22.63% |
12.81% |
16.19% |
16.78% |
| Costo
de Siniestralidad |
37.93% |
37.87% |
38.63% |
29.65% |
70.24% |
39.35% |
| Costo
de Exceso de Pérdida |
1.74% |
6.53% |
2.88% |
3.72% |
2.50% |
3.39% |
| Rentabilidad
de Emisión |
6.51% |
11.06% |
-2.06% |
3.92% |
6.14% |
4.89% |
| Ratio
Combinado de Suficiencia de Primas Netas |
53.35% |
62.15% |
64.14% |
46.18% |
88.93% |
59.52% |
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| REASEGURO |
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| Ratio
de Cesión |
50.18% |
18.47% |
20.69% |
40.69% |
37.87% |
33.88% |
| Ratio
de Comisiones de Reaseguro |
29.08% |
44.79% |
12.71% |
18.21% |
29.23% |
26.27% |
| Siniestralidad
Recuperada |
27.33% |
13.74% |
15.39% |
15.06% |
110.80% |
28.54% |
| Resultado
Técnico de Reaseguro |
55.44% |
46.83% |
26.55% |
31.74% |
138.22% |
52.42% |
| Costo
de Reaseguro |
51.92% |
25.00% |
23.57% |
44.41% |
40.37% |
37.27% |
| Utilidad
del Reasegurador |
44.56% |
53.17% |
73.45% |
68.26% |
-38.22% |
47.58% |
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| SUFICIENCIA
DE RETENCION |
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| Ratio
de Retención |
49.82% |
81.53% |
79.31% |
59.31% |
62.13% |
66.12% |
| Costo
de Operación |
53.92% |
47.35% |
53.29% |
56.86% |
56.90% |
52.73% |
| Siniestralidad
Retenida |
47.65% |
42.24% |
44.14% |
38.72% |
41.06% |
43.43% |
| Ratio
Combinado de Suficiencia de Retención |
72.27% |
79.44% |
94.11% |
83.09% |
80.14% |
82.70% |
| Costo
por Exceso de Pérdidas |
3.49% |
8.01% |
3.63% |
6.27% |
4.02% |
5.12% |
| Variación
de Reservas por Retención |
8.44% |
6.25% |
9.80% |
10.45% |
10.00% |
8.70% |
| Costo
Neto por Reaseguros |
23.13% |
13.29% |
17.31% |
30.32% |
-15.43% |
17.73% |
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| LIQUIDEZ |
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| Liquidez
corriente |
2.0229 |
3.5408 |
4.2258 |
1.8236 |
1.7738 |
2.5554 |
| Respaldo
de Reservas Técnicas |
0.6314 |
0.5959 |
0.3602 |
0.7243 |
0.7543 |
0.5323 |
| Liquidez
Financiera |
3.6472 |
8.9344 |
16.3369 |
3.7664 |
3.6159 |
6.6198 |
| Prueba
de ácido |
0.1624 |
0.2517 |
0.7585 |
0.0121 |
0.5252 |
0.2882 |
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| SOLVENCIA
Y APALANCAMIENTO |
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| Total
Obligaciones con Total Recursos |
1.2643 |
1.5764 |
1.4216 |
1.4600 |
1.4403 |
1.4220 |
| Endeudamiento
de Capital (número de veces) |
0.8049 |
0.2081 |
0.1610 |
0.5383 |
0.5852 |
0.3538 |
| Soporte
de Capital |
1.2424 |
4.8045 |
6.2100 |
1.8576 |
1.7087 |
2.8267 |
| Apalancamiento
Financiero |
0.4052 |
0.1602 |
0.1675 |
0.1677 |
0.3353 |
0.2399 |
| Adecuación
de Capital |
2.3714 |
1.8203 |
4.1522 |
1.8684 |
1.3668 |
2.2792 |
| Margen
para Desviaciones de Siniestralidad |
0.0945 |
0.1338 |
0.1638 |
0.6657 |
0.5445 |
0.2319 |
| Respaldo
de Reservas Netas con Inversiones en Valores |
1.0530 |
1.4626 |
1.3906 |
1.5339 |
1.7597 |
1.3682 |
| Variación
de Reservas |
7.82% |
11.11% |
9.46% |
6.31% |
8.60% |
8.72% |
| Capacidad
de Retención Potencial |
2.2167 |
1.3579 |
1.1521 |
1.1284 |
1.1654 |
1.3498 |
| Suficiencia
de Capital |
2.7966 |
1.9536 |
5.8193 |
2.9024 |
1.5697 |
2.8538 |
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| RENDIMIENTO
FINANCIERO |
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| Utilidad
Técnica |
82.96% |
56.68% |
-24.97% |
51.46% |
66.55% |
46.95% |
| Rendimiento
de la Actividad Financiera |
6.98% |
6.24% |
5.57% |
4.78% |
4.30% |
5.74% |
| Rendimientos
de Inversiones en Valores |
6.35% |
6.42% |
5.21% |
4.24% |
4.06% |
5.44% |
| Utilidad
Financiera |
41.49% |
30.71% |
99.35% |
41.57% |
36.75% |
48.23% |
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| RENTABILIDAD |
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| Rendimiento
de Activo |
8.96% |
13.82% |
4.54% |
7.56% |
8.35% |
8.17% |
| Rendimiento
de Capital |
70.00% |
58.31% |
17.60% |
30.15% |
35.66% |
36.51% |
| Rendimiento
sobre Primas |
8.67% |
20.94% |
9.65% |
8.94% |
10.77% |
11.65% |
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| EFICIENCIA |
|
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| Cobranza
(( Primas por Cobrar (Netas) /Primas Netas Emitidas)) x365 |
94 |
112 |
91 |
107 |
71 |
97 |
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| CRECIMIENTO
Y PARTICIPACION |
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| Crecimiento
de Primas |
26.40% |
17.81% |
7.74% |
1.06% |
-6.39% |
11.78% |
| Participación
de Mercado |
28.41% |
21.76% |
24.12% |
16.94% |
8.77% |
- |
| Participación
en el Crecimiento de la Industria |
56.33% |
31.23% |
16.44% |
1.69% |
-5.69% |
- |
| Participación
en el Crecimiento de la Industria por Retención |
24.36% |
28.09% |
19.65% |
20.44% |
7.46% |
- |
| T/Cambio 31/05/2016: 28.4999 |
| Las cuentas de Balance General son promediadas 13 meses. |
| Las cuentas de Resultados son anualizadas 12 meses. |
| *
Anual (Calculado a Diciembre 2015) |
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