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RAMO 2012 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017
Diversos 12,332,664 14,000,000 15,400,000 16,940,000 18,634,000 20,497,400 97,508,717 110,400,634 125,471,161 139,998,987 156,345,619
Incendio 34,329,420 40,508,716 49,420,634 59,304,760 68,200,474 78,430,546
Agrícola y de Animales
Responsabilidad Civil y Riesgos Profesionales 57,701,693 62,000,000 68,200,000 75,020,000 82,522,000 90,774,200
Marítimo y Transportes 39,850,547 43,000,000 45,580,000 49,226,400 53,164,512 57,417,673
Terremoto y Otros Riesgos Catastróficos 59,665,806 70,491,284 85,999,366 103,199,240 118,679,126 136,480,994
RAMO 2012 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017
Diversos 12,302,626 13,930,000 15,246,000 16,770,600 18,447,660 20,292,426 97,021,173 109,296,628 124,216,449 138,598,997 154,782,163
Incendio 34,271,681 40,306,173 48,926,427 58,711,713 67,518,470 77,646,240
Agrícola y de Animales
Responsabilidad Civil y Riesgos Profesionales 57,328,944 61,690,000 66,836,000 73,519,600 80,871,560 88,958,716
Marítimo y Transportes 39,587,802 42,785,000 45,124,200 48,734,136 52,632,867 56,843,497
Terremoto y Otros Riesgos Catastróficos 59,567,140 70,138,827 85,139,373 102,167,247 117,492,334 135,116,184
RAMO 2012 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017
Diversos 30,037 70,000 154,000 169,400 186,340 204,974 487,544 1,104,006 1,254,712 1,399,990 1,563,456
Incendio 57,739 202,544 494,206 593,048 682,005 784,305
Agrícola y de Animales PRIMA RETENIDA DE TEV E HIDRO
Responsabilidad Civil y Riesgos Profesionales 372,748 310,000 1,364,000 1,500,400 1,650,440 1,815,484
Marítimo y Transportes 262,745 215,000 455,800 492,264 531,645 574,177 2013 2014 2015 2016 2017
Terremoto y Otros Riesgos Catastróficos 98,666 352,456 859,994 1,031,992 1,186,791 1,364,810 224,844 539,625 647,550 744,683 856,385 TEV
127,613 320,369 384,442 442,109 508,425 HIDRO
TOTAL 821,936 1,150,000 3,328,000 3,787,104 4,237,221 4,743,750 0 0 0 0 0
859,994 1,031,993 1,186,792 1,364,810
Porcentaje de Retención
2012 2013 2014 2015 2016 2017 SINIESTRALIDAD BRUTOS TEC, INC Y MYT
Diversos 0.2% 0.5% 1.0% 1.0% 1.0% 1.0%
Incendio 0.2% 0.5% 1.0% 1.0% 1.0% 1.0% 2013 2014 2015 2016 2017
Agrícola y de Animales 64,945,493 70,302,589 78,518,951 88,230,209 98,733,165
Responsabilidad Civil y Riesgos Profesionales 0.6% 0.5% 2.0% 2.0% 2.0% 2.0%
Marítimo y Transportes 0.7% 0.5% 1.0% 1.0% 1.0% 1.0% SINIESTRALIDAD RETENIDO TEC, INC Y MYT
Terremoto y Otros Riesgos Catastróficos 0.2% 0.5% 1.0% 1.0% 1.0% 1.0%
2013 2014 2015 2016 2017
TOTAL 0.40% 0.50% 1.26% 1.25% 1.24% 1.24% 324,727 703,026 785,190 882,302 987,332
RAMO 2012 2013 2014 2015 2016 2017 2013 2014 2015 2016 2017
Diversos 8,973,712 8,000,000 8,400,000 9,240,000 10,164,000 11,180,400 40,000 84,000 92,400 101,640 111,804
Incendio 1,463,033 21,945,493 25,152,589 28,853,951 33,598,709 38,638,515 109,727 251,526 288,540 335,987 386,385
Agrícola y de Animales 0 0 0 0 0
Responsabilidad Civil y Riesgos Profesionales -2,346,282 30,000,000 31,500,000 34,650,000 38,115,000 41,926,500 150,000 630,000 693,000 762,300 838,530
Marítimo y Transportes 30,402,638 35,000,000 36,750,000 40,425,000 44,467,500 48,914,250 175,000 367,500 404,250 444,675 489,143
Terremoto y Otros Riesgos Catastróficos 0 33,054,507 37,847,411 43,146,048 50,049,416 57,556,828 165,273 378,474 431,460 500,494 575,568
TOTAL 38,493,101 128,000,000 139,650,000 156,315,000 176,394,625 198,216,494 640,000 1,711,500 1,909,650 2,145,096 2,401,430
PRIMA RETENIDA
Circular modificada 22/12 de la CUS Anexo 16.35.2
2013 2014 2015 2016 2017 PRODUCTOS FINANCIEROS
Diversos 59,500 130,900 143,990 158,389 174,228
Incendio 172,162 420,075 504,090 579,704 666,660 AÑO 1 AÑO 2 AÑO 3 AÑO 4 AÑO 5
Agrícola y de Animales 0 0 0 0 0 SEGURO DE DAÑOS
Responsabilidad Civil y Riesgos Profesionales 229,400 1,009,360 1,110,296 1,221,326 1,343,458 M. NACIONAL 4.22% 4.18% 4.14% 4.09% 4.05%
Marítimo y Transportes 197,800 419,336 452,883 489,114 528,243 M. EXTRANJERA 4.47% 4.29% 4.11% 3.94% 3.76%
Terremoto y Otros Riesgos Catastróficos 313,686 765,394 918,473 1,056,244 1,214,681 INDEZADOS A INF 2.39% 2.37% 2.35% 2.33% 2.31%
Hidro 0 0 0 0 0
TOTAL 972,548 2,745,066 3,129,733 3,504,776 3,927,269
2013 2014 2015 2016 2017 2013 2014 2015 2016 2017
Diversos 13,120,000.00 13,776,000.00 15,153,600.00 16,668,960.00 18,335,856.00 Diversos 65,600 137,760 151,536 166,690 183,359
Incendio 44,549,349.98 51,059,756.34 58,573,521.17 68,205,379.41 78,436,186.32 Incendio 222,747 510,598 585,735 682,054 784,362
Agrícola y de Animales Agrícola y de Animales
Responsabilidad Civil y Riesgos Profesionales 57,900,000.00 60,795,000.00 66,874,500.00 73,561,950.00 80,918,145.00 Responsabilidad Civil y 289,500 1,215,900 1,337,490 1,471,239 1,618,363
Marítimo y Transportes 58,800,000.00 61,740,000.00 67,914,000.00 74,705,400.00 82,175,940.00 Marítimo y Transportes 294,000 617,400 679,140 747,054 821,759
Terremoto y Otros Riesgos Catastróficos 165,272,536 90,455,312 103,119,055 119,618,104 137,560,820 Terremoto y Otros Riesgo 826,363 904,553 1,031,191 1,196,181 1,375,608
TOTAL 339,641,886 277,826,068 311,634,677 352,759,794 397,426,947 TOTAL 1,698,209 3,386,211 3,785,092 4,263,217 4,783,451
SINIESTRALIDAD BRUTA
GASTO DE OPERACIÓN NETO
2013 2014 2015 2016 2017
2013 2014 2015 2016 2017 TEC, INC y MYT 116,469,350 126,575,756 141,641,121 159,579,739 178,947,982
Diversos 729,815 802,797 883,077 953,723 1,030,020
Incendio 2,318,351 2,550,186 2,805,205 3,029,621 3,271,991 COSTO DE SINIESTRALIDAD RETENIDO
Agrícola y de Animales
Responsabilidad Civil y Riesgos Profesionales 5,423,253 5,965,578 6,562,136 7,087,107 7,654,075 2013 2014 2015 2016 2017
Marítimo y Transportes 2,064,129 2,270,542 2,497,597 2,697,404 2,913,197 TEC, INC y MYT 582,347 1,265,758 1,416,411 1,595,797 1,789,480
Terremoto y Otros Riesgos Catastróficos 3,728,826 4,101,708 4,511,879 4,872,829 5,262,656
PRIMA RETENIDA
CONCEPTO 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Año Utilidad 1.819487 1.667654 1.588650 1.505308 1.426338
2013 2,069
+ Primas Directas Emitidas 230,000.00 264,600.00 303,690.40 341,200.11 383,600.81 431,558.12 485,831.12 547,285.82 616,910.49 695,833.29 2014 2,026 0.9788064256
- Primas Cedidas 228,850.00 261,272.00 299,903.30 336,962.89 378,857.06 426,244.02 479,874.44 540,604.76 609,412.36 687,413.03 2015 2,660 1.3134234193
2016 3,315 1.2284664768
= Primas de Retención 1,150.00 3,328.00 3,787.10 4,237.22 4,743.75 5,314.10 5,956.68 6,681.06 7,498.13 8,420.26 2017 4,073 1.2284664768
- Inc. Neto a las Rva. De Riesgos en Curso 1,258.55 1,132.69 1,019.42 917.48 825.73 743.16 668.84 601.96 541.76 487.59 2018 $ 5,590.15 1.3725281155
2019 $ 6,366.43 1.1388660667
= Prima Devengada de Retención - 108.55 2,195.31 2,767.68 3,319.74 3,918.02 4,570.94 5,287.84 6,079.10 6,956.37 7,932.67 2020 $ 8,503.82 1.3357280119
- Primas Pagadas en Exceso Perdida - - - - - - - - - - 2021 $ 10,824.50 1.2728985291 ###
2022 $ 13,460.26 1.2434995193
= Ingreso Neto de Prima - 108.55 2,195.31 2,767.68 3,319.74 3,918.02 4,570.94 5,287.84 6,079.10 6,956.37 7,932.67
- Costo Neto de Adquisición - 13,089.70 - 12,897.20 - 14,805.81 - 16,636.28 - 18,705.67 - 21,046.50 - 23,695.89 - 26,696.18 - 30,095.71 - 33,949.64
- Costo Neto de Siniestralidad 640.00 1,711.50 1,909.65 2,145.10 2,401.43 2,689.67 3,013.95 3,378.95 3,790.00 4,253.12
Reserva de Dividendos - - - - - - - - - -
Inc. Neto R.S.O.N.R. Y G.A.A.S. 82.39 95.02 108.95 122.21 137.08 153.76 172.46 193.45 216.98 243.38
Inc. Neto Reserva de Riesgos Catastróficos 55.85 57.74 56.79 54.43 54.43 52.64 55.33 56.79 54.43 54.43
- Inc. Neto Otras Reservas Técnicas 138.23 152.76 165.75 176.64 191.50 206.40 227.80 250.24 271.41 297.81
Utilidad de la compañía
13,500
= Utilidad A/De Costos de Operación 12,202.92 13,228.25 15,498.10 17,634.29 20,030.75 22,721.37 25,741.98 29,146.10 32,990.67 37,331.38
Utilidad [$]
- Costo de Operación 12,225.28 13,447.81 14,792.59 15,976.00 17,254.08 18,634.40 20,125.16 21,735.17 23,473.98 25,351.90 12,500
11,500
= Utilidad de Operación - 22.36 - 219.56 705.50 1,658.29 2,776.67 4,086.96 5,616.82 7,410.93 9,516.69 11,979.48 10,500
+ Productos Financieros Netos 3,471.38 3,595.49 3,728.52 3,867.41 4,011.47 4,160.89 4,315.89 4,476.65 4,643.41 4,816.38
9,500
8,500
= Resultados Patrimoniales 3,449.03 3,375.93 4,434.02 5,525.70 6,788.14 8,247.86 9,932.71 11,887.58 14,160.10 16,795.86
7,500
= Utilidad (Pérdida) A/ISR y PTU 3,449.03 3,375.93 4,434.02 5,525.70 6,788.14 8,247.86 9,932.71 11,887.58 14,160.10 16,795.86 6,500
- Provisión ISR y PTU 1,379.61 1,350.37 1,773.61 2,210.28 2,715.26 2,657.71 3,566.28 3,383.76 3,335.60 3,335.60
5,500
4,500
= UTILIDAD (PERDIDA) NETA 2,069.42 2,025.56 2,660.41 3,315.42 4,072.88 5,590.15 6,366.43 8,503.82 10,824.50 13,460.26
3,500
2,500
1,500
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Años
PROYECCIÓN DE ESTADO DE RESULTADOS DEL ESCENARIO ESTATUTARIO 1 DE LA PRUEBA DE SOLVENCIA DINÁMIC
2013
PROYECCIONES
CONCEPTO 2017 2018 2019
Reserva de Dividendos - - -
Inc. Neto R.S.O.N.R. Y G.A.A.S. 137.08 153.76 172.46
Inc. Neto Reserva de Riesgos Catastróficos 54.43 52.64 55.33
- Inc. Neto Otras Reservas Técnicas 191.50 206.40 227.80
PROYECCIONES
2020 2021 2022
Año
465,268.60 524,771.01 592,263.16 2013
459,721.84 518,539.82 585,258.70 2014
2015
5,546.76 6,231.19 7,004.46 2016
601.96 541.76 487.59 2017
2018
4,944.80 5,689.43 6,516.87 2019
- - - 2020
2021
4,944.80 5,689.43 6,516.87 2022
- 22,708.75 - 25,615.43 - 28,912.71
3,378.95 3,790.00 4,253.12
- - -
193.45 216.98 243.38
56.79 54.43 54.43
250.24 271.41 297.81
2,289.19
4,476.65
3,769.47
4,643.41
5,526.75
4,816.38
Utilida
7,500
Utilidad [$]
7,000
6,765.85 8,412.88 10,343.13
6,500
6,000
6,765.85 8,412.88 10,343.13
3,383.76 3,335.60 3,335.60 5,500
5,000
3,382.08 5,077.28 7,007.53 4,500
4,000
3,500
3,000
2,500
2,000
1,500
1,000
2012 2013 2014 2015
$ 57,936.24 $ 65,042.84
$ 47,984.61 $ 45,939.90
1.819487 1.667654
Utilidad
2,069
2,026 0.978806426
2,660 1.313423419
3,315 1.228466477
4,073 1.228466477
$ 1,515.68 0.372140055
$ 1,799.53 1.187273017
$ 3,382.08 1.879425194
$ 5,077.28 1.501228094
$ 7,007.53 1.380174656
13 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
Años
$ 70,673.78 $ 77,693.99 $ 85,411.54
$ 45,433.20 $ 44,746.27 $ 44,069.73
1.588650 1.505308 1.426338
1 2022 2023
PROYECCIÓN DE ESTADO DE RESULTADOS DEL ESCENARIO ESTATUTARIO 6 DE LA PRUEBA DE SOLVENCIA DINÁMIC
2013
PROYECCIONES
CONCEPTO 2017 2018 2019
Reserva de Dividendos - - -
Inc. Neto R.S.O.N.R. Y G.A.A.S. 137.08 153.76 172.46
Inc. Neto Reserva de Riesgos Catastróficos 54.43 52.64 55.33
- Inc. Neto Otras Reservas Técnicas 191.50 206.40 227.80
PROYECCIONES
2020 2021 2022 431558.11811205 485831.12173
426244.020735727 479874.4427
547,285.82 616,910.49 695,833.29 5314.0973763233 5956.679032
540,604.76 609,412.36 687,413.03 743.1584186257 668.84257676
4570.9389576976 5287.8364552
6,681.06 7,498.13 8,420.26 0 0
601.96 541.76 487.59 4570.9389576976 5287.8364552
-21046.4961679702 -23695.88818
6,079.10 6,956.37 7,932.67 7097.3627237196 6030.9722487
- - - 0 0
153.7574004809 172.46460213
6,079.10 6,956.37 7,932.67 52.641157403 55.332696807
- 26,696.18 - 30,095.71 - 33,949.64 206.3985578839 227.79729893
6,776.90 7,618.84 8,569.61 18313.6738440644 22724.955091
21742.4939601099 23481.893477
- - - -3428.8201160456 -756.9383861
193.45 216.98 243.38 4160.8946860487 4315.8880131
56.79 54.43 54.43 732.0745700031 3558.949627
250.24 271.41 297.81 732.0745700031 3558.949627
2657.7096359734 3566.2803046
25,748.15 29,161.83 33,014.89 -1925.6350659703 -7.33067753
25,360.44 27,389.28 29,580.42
$ 47,984.61 $ 45,939.90
547285.82 616910.48677 695833.29457 1.819487 1.667654
540604.7572 609,412 687413.03406
6681.0627962 7,498 8420.2605071
601.95831909 542 487.58623846 Año Utilidad
6079.1044771 6,956 7932.6742686 2013 2,069
0 0 0 2014 2,026
6079.1044771 $ 6,956.37 7932.6742686 2015 2,660
-26696.18472 -$ 30,095.71 -33949.63868 2016 3,315
6776.8974939 $ 7,618.84 8569.6134704 2017 4,073
0 $ - 0 2018 -$ 1,925.64
193.44785287 $ 216.98 243.38387397 2019 -$ 7.33
56.791934 54.425603417 54.425603417 2020 $ 1,480.60
250.23978687 271.4096762 297.80947739 2021 $ 3,080.36
25748.151917 29161.82964 33014.889999 2022 $ 4,915.24
25360.444955 27389.280551 29580.422996
387.70696154 1772.5490883 3434.467003
4476.6548416 4643.4102344 4816.3772657
4864.3618031 6415.9593227 8250.8442686
4864.3618031 6415.9593227 8250.8442686
3383.7640701 3335.6004899 3335.6004899
1480.597733 3080.358833 4915.243779
$ 70,673.78 $ 77,693.99 $ 85,411.54
0.978806426
1.313423419
1.228466477
1.228466477
-0.47279406
0.003806888
-201.972836
2.080483283
1.595672467