Indicadores Financieros

Page 1

Vaz Seguros

Topseg

Sul América

Oriente

Olumpus

El Fénix

Confianza

Condor

Colonial

Colón

Centroseguros

Balboa

Aseguradora del Sur

Alianza

COMPAÑÍAS QUE OPERAN EXCLUSIVAMENTE EN SEGUROS GENERALES Al 31 de Diciembre 2008 SWEADEN

SUCRE

UNIDOS

SEGUROS DEL PICHINCHA

ROCAFUERTE

RIO GUAYAS

PORVENIR

PANAMERICANA

MEMOSER

MAPFRE

LA UNION

INTEROCEANICA

HISPANA

GENERALI

EQUINOCCIAL

ECUATORIANO SUIZA

COOPSEGUROS

CERVANTES

BOLIVAR

ATLAS

COMPAÑÍAS QUE OPERAN EXCLUSIVAMENTE EN SEGUROS DE VIDA Al 31 de Diciembre 2008

AIG METROPOLITANA

ACE

Sud América

Primma

Pan American Life

LLS Seguros

Equivida

Colvida

Bmi

Bupa

Compañías del Mercado COMPAÑÍAS QUE OPERAN EN SEGUROS DE VIDA Y GENERALES (MIXTAS) Al 31 de Diciembre 2008

COMPAÑÍAS PARTÍCIPES EN EL SISTEMA DE SEGUROS PRIVADOS Al 31 de Diciembre 2008


Primas por ramo Mercado Ecuatoriano Seguros de Vida y Generales Miles US D贸lares

Ramos

2008 Primas Share

2007 Primas Share

2006 Primas Share

2005 Primas Share

2004 Primas Share

2003 Primas Share

2002 Primas Share

Veh铆culos

223,667 25%

197,768 29%

179,712 29%

149,299 27%

117,299 25%

133,369 27%

110,864 28%

Incendio y aliadas

91,159

10%

94,732

14%

87,366

14%

82,262

15%

80,015

17%

84,385

17%

74,585

19%

Fianzas

79,287

9%

44,664

7%

35,580

6%

37,682

7%

53,486

11%

58,386

12%

38,207

9%

Transporte

54,136

6%

44,578

7%

43,134

7%

37,957

7%

34,265

7%

35,313

7%

31,953

8%

Ramos tecnicos

43,147

5%

27,529

4%

20,845

3%

32,827

6%

18,229

4%

22,587

5%

17,223

4%

Otros Ramos

111,709 13%

103,576 15%

111,975 18%

83,967

15%

70,687

15%

73,530

15%

66,865

17%

Vida en Grupo

126,047 14%

95,786

14%

73,375

12%

63,494

12%

51,958

11%

43,781

9%

30,834

8%

Vida individual

14,766

2%

10,794

2%

12,641

2%

7,405

1%

6,191

1%

6,160

1%

3,703

1%

Asistencia medica

20,829

2%

17,744

3%

13,063

2%

12,939

2%

19,116

4%

22,345

4%

16,925

4%

Accidentes personales

53,944

6%

41,283

6%

38,793

6%

35,138

6%

26,055

5%

20,017

4%

11,930

3%

SOAT

65,101

7%

Total

883,792 100%

678,454 100%

616,484 100%

542,970 100%

477,301 100%

499,873 100%

403,089 100%


Primas del Mercado Ecuatoriano 31 Diciembre 2008 Seguros de Vida - Top ten Miles US Dólares

RK

Compañía

Primas

Patrimonio

EQUIVIDA SEGUROS DEL PICHINCHA PAN AMERICAN LIFE INSURANCE PANAMERICANA DEL ECUADOR COLVIDA INTEROCEANICA AIG METROPOLITANA RIO GUAYAS ROCAFUERTE COOPSEGUROS

2008 25,268,622 24,181,330 22,300,600 8,819,048 7,768,142 6,979,364 6,458,168 6,393,161 6,266,556 5,538,858

% 16% 15% 14% 5% 5% 4% 4% 4% 4% 3%

2008 5,350,464 7,236,326 6,587,757 1,496,907 1,459,871 817,187 381,487 2,266,017 -1,486,703 89,258

% 14% 18% 17% 4% 4% 2% 1% 6% -4% 0%

17

Aseguradoras

42,556,086

26%

15,186,563

39%

27

TOTAL SISTEMA

2008 1 2 3 4 5 6 7 8 9 10

162,529,936 100%

39,385,135 100%

Resultados Netos RK 3 1 2 9 10 14 20 4 27 26

2008 % 2,200,764 31% 2,545,249 36% 506,936 7% 505,227 7% 179,086 3% 279,736 4% 198,430 3% 256,199 4% -1,987,550 -28% -317,523 -4% 2,703,881

38%

7,070,435 100%

RK 2008 2 1 6 7 14 10 13 12 27 25

ROE 2008 41% 35% 8% 34% 12% 34% 52% 11% 134% -356%


Primas por Ramo Mercado Ecuatoriano Seguros de Vida - Miles US Dólares

2008 Share

2004 Share

2005 Share

2006 Share

2007 Share

Vida en Grupo

51,958 50%

63,494 53%

73,375 53%

95,786 58%

126,047 58%

32%

Vida individual

6,191

7,405

14,766

7%

37%

Asistencia médica

% Inc.

6%

12,641

9%

10,794

19,116 19%

12,939 11%

13,063

9%

17,744 11%

20,829 10%

17%

Accidentes personales

26,055 25%

35,138 30%

38,793 28%

41,283 25%

53,944 25%

31%

Total

103,320 100%

118,976 100%

137,872 100%

165,607 100%

215,586 100%

30%

6%

7%

Evolucion Primas Mercado Ecuatoriano 120,000 100,000

Vida en Grupo

Primas

80,000

Vida individual

60,000

Asistencia médica

40,000

Accidentes personales

20,000 2004

2005

2006 Años

2007


Siniestralidad por Ramo Ecuatoriano Seguros de Vida

2004

2005

2006

2007

2008

Vida en Grupo

51.7%

52.3%

49.7%

49.8%

54.0%

Vida individual

31.2%

40.4%

32.5%

47.4%

46.0%

Asistencia medica

70.6%

78.0%

76.7%

77.8%

74.9%

Accidentes personales

39.8%

43.4%

38.9%

39.5%

35.4%

SOAT

23.8%

Total

50.7%

51.8%

49.1%

53.7%

49.7%

Loss Ratio

Siniestralidad por Ramo 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

2004 2005 2006 2007 2008

Vida en Grupo

Vida individual

Asistencia mĂŠdica

Accidentes personales

Ramos

SOAT

Total


Indicadores del Mercado 2007 Seguros de Vida - Cifras en miles US Dólares

RK RK 2006 2007

Compañía

Primas 2007 %

Patrimonio 2007 % RK

Resultado Técnico 2007 % RK

Resultado Netos RK 2007 % 2007

2007

ROE

2006

1

1

PAN AMERICAN LIFE

20,388

16%

6,261

18%

1

163

1%

15

542

6%

5

9%

7%

2

2

EQUIVIDA

17,250

14%

4,379

12%

3

2,750

23%

2

1,919

20%

2

44%

60%

3

3

PICHINCHA

16,269

13%

5,279

15%

2

2,909

25%

1

1,953

20%

1

37%

42%

4

4

BOLIVAR

7,947

6%

725

2%

13

262

2%

13

41

0%

22

6%

2%

6

5

PANAMERICANA

7,076

6%

1,100

3%

9

363

3%

11

382

4%

9

35%

25%

5

6

ROCAFUERTE

6,720

5%

458

1%

20

-582

-5%

25

-584

-6%

27

-128%

8%

7

7

COLVIDA

5,617

4%

1,281

4%

8

354

3%

12

267

3%

13

21%

17%

8

8

RIO GUAYAS

5,275

4%

2,074

6%

5

1,319

11%

4

537

6%

7

26%

24%

11

9

INTEROCEANICA

5,016

4%

599

2%

16

532

4%

7

511

5%

8

85%

-105%

13

10

AIG METROPOLITANA

4,721

4%

233

1%

24

-738

-6%

26

178

2%

15

77%

-102%

9

11

COOPSEGUROS

4,229

3%

407

1%

21

31

0%

22

-93

-1%

26

-23%

-15%

12

12

GENERALI

3,827

3%

2,441

7%

4

578

5%

6

577

6%

4

24%

15%

10

13

BMI

3,737

3%

1,776

5%

6

118

1%

17

223

2%

14

13%

15%

19

14

PORVENIR

2,826

2%

1,363

4%

7

2,421

20%

3

1,036

11%

3

76%

72%

14

15

HISPANA

2,382

2%

160

0%

27

152

1%

16

79

1%

19

50%

101%

15

16

SEGUROS UNIDOS

2,231

2%

947

3%

12

646

5%

5

538

6%

6

57%

112%

16

17

BUPA

1,969

2%

513

1%

18

32

0%

21

13

0%

25

3%

18

18

SUCRE

1,928

2%

957

3%

11

421

4%

9

317

3%

12

33%

17

19

SUD AMERICA

1,808

1%

977

3%

10

-54

0%

24

21

0%

23

2%

2%

21

20

CERVANTES

1,002

1%

649

2%

15

386

3%

10

325

3%

11

50%

43%

22

21

ECUATORIANO SUIZA

900

1%

468

1%

19

461

4%

8

358

4%

10

76%

76%

23

22

MEMOSER

822

1%

581

2%

17

28

0%

23

14

0%

24

2%

12%

20

23

ACE

585

0%

695

2%

14

163

1%

14

158

2%

16

23%

42%

24

24

ATLAS

468

0%

172

0%

26

92

1%

18

90

1%

17

52%

68%

25

25

PRIMMA

363

0%

324

1%

22

-1,118

-9%

27

54

1%

20

17%

18%

27

26

EQUINOCCIAL

104

0%

231

1%

25

82

1%

19

82

1%

18

35%

-22%

26

27

LA UNION

91

0%

317

1%

23

50

0%

20

49

1%

21

16%

12%

125,552

100%

35,366

100%

11,824

100%

9,589

100%

TOTAL SISTEMA

50%


Indicadores del Mercado 2008 Seguros de Vida - Cifras en miles US Dólares

RK RK 2007 2008

Compañía

Primas 2008 %

Patrimonio % RK 2008

Resultado Técnico 2008 % RK

Resultado Netos RK RK ROE 2008 % 2008 2007 2008 2007

2

1

EQUIVIDA

25,269

16%

5,350

14%

3

3,805

32%

2

2,201

31%

2

2

41%

44%

3

2

PICHINCHA

24,181

15%

7,236

18%

1

5,158

43%

1

2,545

36%

1

1

35%

37%

1

3

PAN AMERICAN LIFE

22,301

14%

6,588

17%

2

262

2%

13

507

7%

6

5

8%

9%

5

4

PANAMERICANA

8,819

5%

1,497

4%

9

601

5%

7

505

7%

7

9

34%

35%

7

5

COLVIDA

7,768

5%

1,460

4%

10

303

3%

12

179

3%

14

13

12%

21%

9

6

INTEROCEANICA

6,979

4%

817

2%

14

523

4%

9

280

4%

10

8

34%

85%

10

7

AIG METROPOLITANA

6,458

4%

381

1%

20

-1,748

-15%

25

198

3%

13

15

52%

77%

8

8

RIO GUAYAS

6,393

4%

2,266

6%

4

708

6%

6

256

4%

12

7

11%

26%

6

9

ROCAFUERTE

6,267

4%

-1,487

-4%

27

-1,830

-15%

27

-1,988

-28%

27

27

134%

-128%

11

10

COOPSEGUROS

5,539

3%

89

0%

26

-13

0%

22

-318

-4%

25

26

-356%

-23%

12

11

GENERALI

5,006

3%

2,198

6%

5

549

5%

8

546

8%

5

4

25%

24%

14

12

PORVENIR

4,771

3%

1,762

4%

7

2,968

25%

3

470

7%

8

3

27%

76%

4

13

BOLIVAR

4,603

3%

679

2%

16

-1,311

-11%

24

-1,296

-18%

26

22

-191%

6%

13

14

BMI

3,899

2%

1,817

5%

6

113

1%

17

178

3%

15

14

10%

13%

15

15

HISPANA

3,527

2%

246

1%

24

145

1%

15

115

2%

18

19

47%

50%

16

16

SEGUROS UNIDOS

3,387

2%

1,604

4%

8

1,272

11%

4

823

12%

3

6

51%

57%

19

17

SUD AMERICA

3,303

2%

996

3%

12

-77

-1%

23

19

0%

24

23

2%

2%

17

18

BUPA

2,818

2%

625

2%

17

212

2%

14

143

2%

16

25

23%

3%

22

19

MEMOSER

2,792

2%

586

1%

18

48

0%

21

34

0%

22

24

6%

2%

18

20

SUCRE

2,365

1%

1,402

4%

11

746

6%

5

594

8%

4

12

42%

33%

24

21

ATLAS

1,658

1%

148

0%

25

104

1%

18

97

1%

19

17

65%

52%

20

22

CERVANTES

1,311

1%

892

2%

13

506

4%

10

454

6%

9

11

51%

50%

21

23

ECUATORIANO SUIZA

1,302

1%

423

1%

19

412

3%

11

262

4%

11

10

62%

76%

23

24

ACE

952

1%

799

2%

15

140

1%

16

139

2%

17

16

17%

23%

25

25

PRIMMA

568

0%

342

1%

22

-1,751

-15%

26

25

0%

23

20

7%

17%

27

26

LA UNION

165

0%

346

1%

21

48

0%

20

48

1%

21

21

14%

16%

26

27

EQUINOCCIAL

128

0%

322

1%

23

51

0%

19

55

1%

20

18

17%

35%

162,530

100%

39,385

100%

11,944

100%

7,070

100%

TOTAL SISTEMA


Indicadores del Mercado 2008 Seguros de Vida - US Dólares

RK RK 2007 2008

Compañía

Primas 2008 %

Patrimonio % RK 2008

Resultado Técnico 2008 % RK

Resultado Netos RK RK 2008 % 2008 2007

2008

ROE

2007

2

1

EQUIVIDA

25,268,622

15547%

5,350,464 13585%

3

3,805,006

31858%

2

2,200,764

31126%

2

2

41%

44%

3

2

SEGUROS DEL PICHINCHA

24,181,330

14878%

7,236,326 18373%

1

5,157,702

43183%

1

2,545,249

35998%

1

1

35%

37%

1

3

PAN AMERICAN LIFE INSURANCE 22,300,600

13721%

6,587,757 16727%

2

262,440

2197%

13

506,936

7170%

6

5

8%

9%

5

4

PANAMERICANA DEL ECUADOR

8,819,048

5426%

1,496,907

3801%

9

600,973

5032%

7

505,227

7146%

7

9

34%

35%

7

5

COLVIDA

7,768,142

4780%

1,459,871

3707% 10

302,727

2535%

12

179,086

2533%

14

13

12%

21%

9

6

INTEROCEANICA

6,979,364

4294%

817,187

2075% 14

523,281

4381%

9

279,736

3956%

10

8

34%

85%

10

7

AIG METROPOLITANA

6,458,168

3974%

381,487

969% 20

77%

8

8

RIO GUAYAS

6,393,161

3934%

2,266,017

6

9

ROCAFUERTE

6,266,556

3856% -1,486,703

11

10

COOPSEGUROS

5,538,858

3408%

89,258

12

11

GENERALI

5,006,161

3080%

2,198,424

5582%

5

14

12

PORVENIR

4,771,208

2936%

1,762,341

4475%

7

2,967,685

24847%

3

4

13

BOLIVAR

4,603,025

2832%

678,518

1723% 16

-1,310,582

-10973%

24

13

14

BMI

3,899,480

2399%

1,816,621

6

113,194

948%

17

177,926

15

15

HISPANA

3,526,916

2170%

245,782

624% 24

144,512

1210%

15

16

16

SEGUROS UNIDOS

3,387,280

2084%

1,603,806

8

1,272,499

10654%

19

17

SUD AMERICA

3,303,142

2032%

996,494

2530% 12

-77,472

-649%

17

18

BUPA

2,817,600

1734%

625,147

1587% 17

211,991

1775%

22

19

MEMOSER ANTES MEMORIAS

2,791,840

1718%

585,527

1487% 18

48,031

18

20

SUCRE

2,365,044

1455%

1,401,971

3560% 11

745,534

24

21

ATLAS

1,657,531

1020%

147,719

375% 25

20

22

CERVANTES

1,310,990

807%

892,210

2265% 13

21

23

ECUATORIANO SUIZA

1,301,538

801%

423,177

23

24

ACE

952,387

586%

25

25

PRIMMA

568,499

27

26

LA UNION

165,093

26

27

EQUINOCCIAL

128,352

TOTAL SISTEMA

-1,747,790

-14633%

25

198,430

2806%

13

15

52%

4

708,343

5931%

6

256,199

3624%

12

7

11%

26%

-3775% 27

-1,829,622

-15319%

27

-1,987,550 -28111%

27

27

134%

-128%

-12,876

-108%

22

-317,523

-4491%

25

26

-356%

-23%

548,940

4596%

8

545,740

7719%

5

4

25%

24%

469,717

6643%

8

3

27%

76%

-1,296,259 -18334%

26

22

-191%

6%

2516%

15

14

10%

13%

114,726

1623%

18

19

47%

50%

4

822,558

11634%

3

6

51%

57%

23

19,389

274%

24

23

2%

2%

14

142,778

2019%

16

25

23%

3%

402%

21

33,953

480%

22

24

6%

2%

6242%

5

593,907

8400%

4

12

42%

33%

103,662

868%

18

96,502

1365%

19

17

65%

52%

505,610

4233%

10

453,510

6414%

9

11

51%

50%

1074% 19

412,012

3450%

11

262,199

3708%

11

10

62%

76%

798,835

2028% 15

140,221

1174%

16

138,943

1965%

17

16

17%

23%

350%

342,045

868% 22

-1,751,152

-14662%

26

24,769

350%

23

20

7%

17%

102%

345,599

877% 21

48,345

405%

20

48,377

684%

21

21

14%

16%

79%

322,347

818% 23

50,593

424%

19

55,146

780%

20

18

17%

35%

5753%

227% 26

4612% 4072%

162,529,936 100000% 39,385,135 100000%

11,943,808 100000%

7,070,435 100000%


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