Cifras del Mercado Asegurador Dominicano Primer Trimestre 2021

Page 1

CIFRAS 1ER TRIMESTRE 2021

Villa_man CADOAR www.cadoar.org.do


Informe Ejecutivo Mercado Asegurador Dominicano Al 31 de marzo del 2021 Para el primer trimestre del 2021, las empresas

Mercado Asegurador Dominicano

aseguradoras del mercado presentan primas

Primas Suscritas Del 1ero. De Enero al 31 de marzo del En millones de RD$

suscritas de RD$19,714.4 millones de pesos, experimentando un crecimiento de 5.1% con respecto al mismo período del año anterior. Los ramos que aportan el 90.6% del mercado muestran

el

siguiente

comportamiento:

Incendio, Salud Colectivo y Automóvil

2021 Seguros de Personas Seguros Generales Incendio y Lineas Aliadas Vehiculos de motor y R. C. Demas

2020

Composicion

Variacion

8,283.6

42.0%

8,191.8

43.7%

1.1%

5,418.2

27.5%

4,826.1

25.7%

12.3%

4,391.9

22.3%

4,147.7

22.1%

5.9%

1,239.6

6.3%

1,252.5

6.7%

-1.0%

56.0% 10,226.3

11,049.7

Fianzas

Composicion

381.1 19,714.4

54.5%

8.1%

341.2

1.8%

11.7%

100.0% 18,759.3

100.0%

5.1%

1.9%

exhiben un crecimiento de 12.3%, 1.8%, 1.4% y 5.9% respectivamente. Para el período antes mencionado, los resultados antes de Impuestos Sobre la Renta ascienden a RD$1,220.1 millones de pesos, que al ser comparado con el mismo período del año anterior, muestra una importante reducción de un 39.3%. Las razones de dicha reducción se atribuyen a un aumento de 6 puntos porcentuales de los costos combinados como consecuencia del aumento de la siniestralidad de 5.3 puntos porcentuales. El Estado de Situación al 31 de marzo del 2021 comparado con el 31 de diciembre del 2020 – último cierre-, muestra un crecimiento en los Activos de 15.0%, donde se destaca un aumento de 28.5 en la partida de deudores por Reaseguro y Coaseguro, Fondo de Garantía y otras inversiones con un 25.2%.

Al finalizar el trimestre, las inversiones consolidadas experimentaron un

crecimiento de 19.5% Por otro lado, los Pasivos muestran un crecimiento de 14.5%, mientras que el Patrimonio muestra un ligero crecimiento de 16.3%


MERCADO ASEGURADOR DOMINICANO PRIMAS SUSCRITAS-DIRECTAS Del 1ero. De Enero al 31 de marzo del En millones de RD$

Compañías de Seguros 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Universal Humano Mapfre Reservas Colonial Sura Worldwide Crecer General Pepin Dominicana Monumental Patria Banesco Atlantica Angloamericana Internacional Coopseguros Cuna Mutual Atrio BMI BUPA APS Multiseguros SU Ademi Confedom Amigo Autoseguros Yunen Midas Unit Hylseg

TOTALES

Personas Participacion

2,142.8 2,860.1 551.9 596.4 187.5 154.3 585.2 492.2 275.5 0.1 2.3 1.6 0.0 18.0 0.8 9.5 0.0 44.0 101.4 40.9 96.3 77.8 6.0 1.7 29.5 0.7 2.0 0.0 3.6 1.5 0.1 0.0 8,283.6

2021 Daños Participacion

25.9% 3,350.8 34.5% 265.6 6.7% 1,718.5 7.2% 1,621.3 2.3% 1,469.1 1.9% 961.9 7.1% 0.0 5.9% 68.6 3.3% 95.8 0.0% 318.3 0.0% 276.3 0.0% 259.8 0.0% 192.7 0.2% 144.1 0.0% 150.4 0.1% 104.6 0.0% 111.1 0.5% 64.6 1.2% 6.4 0.5% 58.8 1.2% 0.0 0.9% 0.0 0.1% 67.1 0.0% 53.3 0.4% 9.5 0.0% 22.4 0.0% 20.3 0.0% 17.3 0.0% 0.0 0.0% 0.3 0.0% 1.2 0.0% 0.8 100.0% 11,430.7

Totales

29.3% 5,493.6 2.3% 3,125.7 15.0% 2,270.4 14.2% 2,217.7 12.9% 1,656.6 8.4% 1,116.2 0.0% 585.2 0.6% 560.8 0.8% 371.3 2.8% 318.4 2.4% 278.6 2.3% 261.3 1.7% 192.7 1.3% 162.1 1.3% 151.2 0.9% 114.1 1.0% 111.1 0.6% 108.6 0.1% 107.8 0.5% 99.6 0.0% 96.3 0.0% 77.8 0.6% 73.0 0.5% 55.0 0.1% 39.0 0.2% 23.1 0.2% 22.3 0.2% 17.3 0.0% 3.6 0.0% 1.8 0.0% 1.4 0.0% 0.8 100.0% 19,714.4

Participacion Personas

Participa cion

Daños

27.9% 2,251.6 27.5% 3,029.0 15.9% 2,848.6 34.8% 204.7 11.5% 616.7 7.5% 1,733.2 11.2% 623.0 7.6% 1,548.4 8.4% 164.2 2.0% 1,243.4 5.7% 160.7 2.0% 1,003.2 3.0% 541.6 6.6% 0.0 2.8% 334.8 4.1% 49.2 1.9% 269.6 3.3% 143.9 1.6% 0.1 0.0% 253.4 1.4% 2.1 0.0% 204.8 1.3% 0.2 0.0% 269.1 1.0% 0.0 0.0% 187.0 0.8% 11.5 0.1% 130.9 0.8% 2.0 0.0% 120.1 0.6% 4.7 0.1% 76.8 0.6% 0.0 0.0% 81.0 0.6% 44.5 0.5% 56.9 0.5% 87.0 1.1% 5.1 0.5% 21.1 0.3% 63.0 0.5% 90.0 1.1% 0.0 0.4% 79.2 1.0% 0.0 0.4% 3.5 0.0% 52.9 0.3% 0.0 0.0% 18.7 0.2% 32.0 0.4% 14.0 0.1% 0.3 0.0% 48.2 0.1% 2.8 0.0% 12.2 0.1% 0.0 0.0% 15.0 0.0% 0.0 0.0% 0.0 0.0% 0.0 0.0% 3.0 0.0% 0.1 0.0% 0.1 0.0% 0.0 0.0% 0.5 100.0% 8,191.8 100.0% 10,567.5

2020 Participacion Totales Participacion Variacion

28.7% 1.9% 16.4% 14.7% 11.8% 9.5% 0.0% 0.5% 1.4% 2.4% 1.9% 2.5% 1.8% 1.2% 1.1% 0.7% 0.8% 0.5% 0.0% 0.6% 0.0% 0.0% 0.5% 0.2% 0.1% 0.5% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 100.0%

5,280.6 3,053.3 2,349.9 2,171.4 1,407.6 1,163.9 541.6 384.0 413.5 253.5 206.9 269.3 187.0 142.3 122.1 81.5 81.0 101.4 92.1 84.1 90.0 79.2 56.4 18.7 46.0 48.5 15.1 15.0 0.0 3.0 0.1 0.5 18,759.3

28.1% 4.0% 16.3% 2.4% 12.5% -3.4% 11.6% 2.1% 7.5% 17.7% 6.2% -4.1% 2.9% 8.1% 2.0% 46.0% 2.2% -10.2% 1.4% 25.6% 1.1% 34.7% 1.4% -3.0% 1.0% 3.1% 0.8% 13.9% 0.7% 23.9% 0.4% 40.0% 0.4% 37.2% 0.5% 7.1% 0.5% 17.1% 0.4% 18.5% 0.5% 7.1% 0.4% -1.8% 0.3% 29.4% 0.1% 194.2% 0.2% -15.4% 0.3% -52.4% 0.1% 47.9% 0.1% 15.4% 0.0% #DIV/0! 0.0% -37.8% 0.0% 851.9% 0.0% 67.5% 100.0% 5.1%


Mercado Asegurador ESTADO DE RESULTADO TECNICOS

Del 1ero. De Enero al 31 de marzo del Millones de RD$

2020

TOTAL GENERAL

INGRESOS

INDIVIDUAL

COLECTIVO

AP Y SALUD

TOTAL VIDA

NAVES INCENDIO Y ALIADOS MARITIMAS Y AREAS

TRANSPORTE DE VEHICULOS DE MOTOR CARGA

FIANZAS

OTROS SEGUROS

TOTAL SEGUROS GENERALES

18,759.3 1.1

Primas suscritas Reaseguros aceptados

19,714.4 7.2

76.2 -

2,875.1 -

5,332.4 -

8,283.6 -

5,418.2 5.7

100.2 -

252.4 0.0

4,391.9 -

381.1 0.3

887.1 1.2

11,430.7 7.2

18,760.4

TOTAL DE INGRESOS

19,721.6

76.2

2,875.1

5,332.4

8,283.6

5,423.9

100.2

252.4

4,391.9

381.3

888.3

11,438.0

6,958.2 2,044.6 7,100.5 179.9

24.5 8.6 24.6 (33.8)

512.1 184.5 1,239.6 136.3

786.6 735.3 3,506.5 20.9

1,323.1 928.4 4,770.8 123.3

4,481.8 278.7 58.8 (60.7)

66.5 6.3 26.5 (1.6)

147.7 25.1 (472.2) 1.1

240.0 655.1 2,600.8 116.9

126.9 68.1 54.3 3.5

572.2 82.9 61.5 (2.6)

5,635.1 1,116.2 2,329.8 56.6

16,283.3

23.9

2,072.5

5,049.2

7,145.6

4,758.6

97.8

(298.4)

3,612.9

252.8

714.0

9,137.7

3,438.3 17.4%

52.3 68.6%

802.7 27.9%

283.1 5.3%

1,138.0 13.7%

665.3 12.3%

2.4 2.4%

550.8 218.2%

779.0 17.7%

128.5 33.7%

174.2 19.6%

2,300.2 20.1%

COSTO DE OPERACIONES Costo de los Negocios de Seguros y Reaseguros :

6,126.4 1,878.6 6,409.8 203.3 14,618.0 4,142.3 22.1%

Costo de Reaseguros Neto Comisiones y otros costos de Adquisición Siniestros y otras prestaciones incurridas, Netos Aumento (disminucion) de las reservas de seguros Total costos de los Negocios de Seguros y Reaseguros RESULTADOS TECNICOS antes de gastos Administrativos Margen Tecnico

3,219.9 Gastos Generales y Administrativos 922.4 RESULTADOS TECNICOS Despues 4.92% 1,508.7 Intereses sobre Inversiones y Otros (419.4) Costos del dinero y otros gastos 1,089.3 Resultados Financieros

y Administrativos

3,216.4 221.9 1.13% 1,813.0 (814.8) 998.2

2,011.7 -

Beneficios (pérdidas) del período Impuesto sobre la renta

1,220.1 -

2,011.7

Beneficios (pérdidas) después del impuesto sobre la renta

1,220.1

44.5% TOTAL 26.5% REASEGUROS 53.6% NETO

45.5% 22.9% 58.7%

29.7% 31.8% 29.0%

54.2% 41.4% 57.8%

73.7% 45.1% 79.7%

66.5% 43.4% 72.0%

15.4% 15.8% 10.0%

26.8% 13.3% 156.8%

-172.1% 29.1% -647.9%

62.6% 22.0% 65.3%

19.2% 10.3% 25.4%

17.8% 36.4% 10.4%

29.9% 17.1% 42.6%

10.4% COSTO DE ADQUISICION

10.6%

7.7%

6.7%

13.8%

11.3%

5.4%

3.5%

10.2%

15.4%

18.7%

10.0%

10.1%

17.2% COSTO DE EXPLOTACION

16.3%

11.6% COMPENSACION A LOS GASTOS

11.6%

2.3%

13.5%

13.5%

13.3%

9.4%

11.2%

17.8%

19.3%

24.8%

15.7%

11.1%


PRIMAS SUSCRITAS

2021 SEGUROS DE PERSONAS

Cias de Seguros 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Universal Humano Mapfre Banreservas Colonial Sura Worldwide Crecer General Pepin Dominicana Monumental Patria Banesco Atlantica

16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Angloamericana Internacional Coopseguros Cuna Mutual Atrio BMI BUPA APS Multiseguros SU Ademi Confedom Amigo Autoseguros Yunen Midas Unit Hylseg TOTALES

Vida individual Vida individual Colectivo de primer año renovación vida

Accidentes personales

discapacidad y sobrevivencia

6.9 0.7 8.3 9.9 0.1 2.9 22.1 (0.0) 2.4 0.1 0.2 0.0

10.0 10.5 0.4 0.3 0.5 -

637.3 64.3 221.5 353.2 48.6 87.7 4.3 71.9 1.2 0.1 1.4 12.4 0.8

80.6 3.3 28.8 10.5 6.6 7.6 4.6 0.2 0.0 0.0 0.0 5.0 -

6.3 230.8 185.9 268.0 265.1 -

0.0 0.0 0.1 -

0.0 0.4 0.4 -

9.5 44.0 101.4 36.7 3.7 3.9 1.7 29.5 0.1 1.6 0.0 1.5 -

0.0 0.0 0.1 0.1 0.0 0.0 0.1 0.1 0.0 -

-

53.7

22.5

1,738.3

147.6

956.2

SEGUROS GENERALES Salud

Otros seguros de personas

SUB-TOTAL

Incendio y líneas Naves aliadas marítimas

Naves aéreas

Transporte marítimo, terrestre y aereo

Vehículos de motor y Responsabilidad Ramos responsabilidad civil general técnicos civil

Otros seguros

Fianzas de fidelidad

Fianzas de construcción

Fianzas aduanales

Fianzas judiciales

Otras Fianzas

SUB-TOTAL

TOTALES

1,388.5 2,775.1 62.4 36.9 129.1 56.1 558.7 1.2 (0.2) -

19.6 (0.1) 0.0 2.7 3.2 7.5 0.0 -

2,142.8 2,860.1 551.9 596.4 187.5 154.3 585.2 492.2 275.5 0.1 2.3 1.6 18.0 0.8

2,305.2 65.3 1,046.6 675.0 752.1 373.9 38.8 13.4 0.9 6.9 27.7 1.0 44.8 3.0

6.7 0.3 1.2 1.8 20.6 16.0 0.3 0.1 0.2 0.0 0.2

3.4 23.7 3.8 7.4 9.2 0.6 (0.2) (0.0) 1.0 -

95.8 3.4 32.0 27.3 40.6 35.3 0.2 0.8 6.3 0.1 1.0 1.6 3.2 0.0

674.7 176.1 480.7 673.4 445.0 380.5 53.2 303.3 179.4 220.4 186.0 83.5 146.0

156.3 4.7 97.0 63.1 135.0 57.0 0.5 4.9 5.7 3.1 7.5 0.8 3.1 0.9

7.9 37.8 84.7 22.9 48.6 1.3 4.2 2.9 0.8 0.0 3.1 0.2

53.8 2.1 1.4 9.8 27.8 0.3 0.1 0.0 0.0 -

48.4 6.9 14.9 18.5 33.7 19.1 0.6 0.0 0.0 0.4 0.2 5.3 0.1

0.4 0.6 47.2 1.0 7.5 8.6 0.2 50.2 1.7 1.8 0.0 -

0.0 2.4 0.9 2.7 0.0 0.0 0.5 0.0 2.5 -

0.1 0.8 6.1 0.5 0.9 2.4 0.1 0.0

6.4 0.5 3.2 3.5 8.4 3.5 0.0 0.2 0.8 29.8 0.5 (1.3) 0.1 0.0

3,350.8 265.6 1,718.5 1,621.3 1,469.1 961.9 68.6 95.8 318.3 276.3 259.8 192.7 144.1 150.4

5,493.6 3,125.7 2,270.4 2,217.7 1,656.6 1,116.2 585.2 560.8 371.3 318.4 278.6 261.3 192.7 162.1 151.2

4.2 89.4 77.8 2.0 0.0 0.1 3.5 0.1 -

3.0 0.0 -

9.5 44.0 101.4 40.9 96.3 77.8 6.0 1.7 29.5 0.7 2.0 3.6 1.5 0.1 -

20.5 16.6 8.4 4.0 1.8 8.8 3.6 (0.0) -

0.2 (1.3) 0.3 -

0.5 4.5 (0.3) -

0.3 0.0 0.3 3.1 0.2 0.8 -

58.6 111.1 44.4 40.4 39.0 45.9 0.2 11.4 19.8 17.3 0.0 1.0 0.7

17.3 0.7 0.8 2.1 3.6 0.3 1.6 0.1 -

0.9 1.2 2.9 (0.4) 0.4 0.0 4.3 -

0.3 0.3 0.0 0.0 0.1 0.4 0.3 -

3.8 1.2 6.4 0.2 0.0 0.1 0.1 0.3 -

0.1 1.0 4.1 0.0 0.2 -

7.2 0.0 0.5 -

0.0 1.6 0.0 -

2.1 0.0 8.1 1.2 0.1

104.6 111.1 64.6 6.4 58.8 67.1 53.3 9.5 22.4 20.3 17.3 0.3 1.2 0.8

114.1 111.1 108.6 107.8 99.6 96.3 77.8 73.0 55.0 39.0 23.1 22.3 17.3 3.6 1.8 1.4 0.8

5,184.7

35.9

8,283.6

5,418.2

46.5

53.6

252.4

4,391.9

566.3

223.9

96.8

160.4

124.5

16.7

12.5

66.9

11,430.7

19,714.4


Estado de Beneficios y Beneficios Acumulados POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE MARZO DEL 2021 En Millones de RD$

Aumento TOTAL DE Costo de Comisiones y Siniestros Participacio (disminucion) Aseguradoras INGRESOS Reaseguros otros costos incurridos, n reservas de PRIMAS Neto de Adquisición Netos Primas 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Universal Humano Mapfre Banreservas Colonial Sura Worldwide Scotia Seguros General Pepin Dominicana Monumental Patria BANESCO Atlantica Angloamericana Internacional Coopseguros Cuna Mutual Federal BMI BUPA APS Multiseguros Ademi Confedom Amigo Autoseguros Yunen MIDAS Unit Hylseg Totales

5,493.6 27.9% 3,125.7 15.8% 2,270.4 11.5% 2,217.7 11.2% 1,656.6 8.4% 1,116.2 5.7% 585.2 3.0% 560.8 2.8% 371.3 1.9% 318.4 1.6% 278.6 1.4% 261.3 1.3% 192.7 1.0% 162.1 0.8% 151.2 0.8% 121.3 0.6% 111.1 0.6% 108.6 0.6% 107.8 0.5% 99.6 0.5% 96.3 0.5% 77.8 0.4% 73.0 0.4% 55.0 0.3% 39.0 0.2% 23.1 0.1% 22.3 0.1% 17.3 0.1% 3.6 0.0% 1.8 0.0% 1.4 0.0% 0.8 0.0% 19,721.6 100.0%

2,265.6 310.4 1,008.8 726.2 815.1 493.5 446.6 332.2 225.2 8.6 80.0 25.0 1.6 44.7 8.1 55.7 17.3 38.3 6.0 22.3 0.9 2.6 12.6 10.0 0.1 0.5 0.2 0.0 0.1 6,958.2

383.9 459.1 131.6 249.7 166.0 153.2 97.3 13.1 20.9 41.7 53.1 43.2 32.8 27.5 22.7 27.0 17.2 15.7 23.0 20.3 15.5 11.6 7.2 0.9 2.7 3.5 3.0 0.3 0.5 0.0 0.1 2,044.6

1,841.0 2,396.4 618.7 700.1 479.9 301.1 3.9 135.5 40.4 33.7 54.9 67.2 44.6 42.0 63.0 0.9 50.4 42.2 40.9 22.6 54.2 17.4 2.3 29.5 4.7 4.7 4.6 1.4 1.2 0.1 1.0 0.2 7,100.5

12.1 18.2 -30.1 -37.8 22.6 -4.0 -11.5 141.8 -15.8 25.7 8.8 0.0 3.0 -1.1 11.8 4.0 12.1 2.0 1.2 -1.7 6.0 -0.3 3.9 13.1 -0.3 -8.7 3.3 0.9 0.7 -1.0 0.5 0.3 179.9

Total Costos

Margen Tecnico

Gtos Grales y Adm.

4,502.6 3,184.2 1,729.1 1,638.2 1,483.6 943.8 536.3 622.6 270.8 109.7 196.8 135.3 82.0 113.2 105.6 87.6 79.6 77.3 42.1 82.1 86.5 54.9 18.7 52.4 17.9 8.7 11.5 5.4 2.8 (0.1) 1.5 0.7 16,283.3

991.1 (58.5) 541.3 579.5 173.1 172.4 48.9 (61.8) 100.5 208.8 81.8 126.0 110.7 48.9 45.6 33.7 31.5 31.3 65.7 17.5 9.8 22.9 54.3 2.6 21.0 14.4 10.8 11.9 0.8 1.9 (0.1) 0.1 3,438.3

615.1 413.3 446.7 436.6 237.4 198.6 43.0 46.3 60.8 111.0 68.6 68.6 68.7 49.4 49.3 27.8 11.7 35.6 27.1 27.0 14.8 8.7 40.8 26.3 23.1 9.0 5.4 10.9 4.5 2.0 26.0 2.2 3,216.4

18.0% -1.9% 23.8% 26.1% 10.4% 15.4% 8.4% -11.0% 27.1% 65.6% 29.4% 48.2% 57.4% 30.2% 30.2% 27.8% 28.3% 28.8% 60.9% 17.6% 10.2% 29.4% 74.4% 4.7% 54.0% 62.4% 48.3% 68.8% 22.3% 105.5% -8.0% 6.8% 17.4%

11.2% 13.2% 19.7% 19.7% 14.3% 17.8% 7.4% 8.3% 16.4% 34.8% 24.6% 26.3% 35.6% 30.5% 32.6% 22.9% 10.5% 32.8% 25.1% 27.1% 15.3% 11.2% 55.9% 47.7% 59.3% 39.0% 24.2% 63.3% 126.6% 110.7% 1893.6% 288.1% 16.3%

RESULTADOS TECNICOS Despues de Gtos. Admtvos. 376.0 (471.8) 94.6 142.9 (64.3) (26.2) 5.9 (108.1) 39.7 97.8 13.1 57.4 42.0 (0.5) (3.7) 5.9 19.8 (4.3) 38.6 (9.5) (4.9) 14.2 13.5 (23.7) (2.1) 5.4 5.4 0.9 (3.7) (0.1) (26.1) (2.1) 221.9

Intereses sobre Costos del Resultados Inversiones y dinero y otros Financieros Otros gastos 201.4 87.3 421.4 364.0 55.1 81.6 31.9 463.0 14.8 25.9 0.0 14.9 0.9 2.3 5.3 7.2 3.4 11.1 2.2 5.4 3.6 1.8 1.8 0.1 2.0 3.3 1.0 0.0 0.1 0.1 0.2 0.0 1,813.0 -

(81.3) (75.2) (290.6) (125.5) (31.0) (71.7) (11.6) (57.4) (16.8) (4.9) (3.7) (3.5) (1.9) (5.1) (2.3) (0.9) (0.4) (1.3) (6.2) (1.2) (3.2) (16.2) (0.6) (1.1) (0.7) (0.0) (0.2) (0.3) (0.1) (0.0) (0.2) (0.0) 814.8

120.1 12.1 130.8 238.5 24.1 9.9 20.4 405.6 (1.9) 21.0 (3.7) 11.4 (0.9) (2.7) 3.0 6.3 3.0 9.8 (4.0) 4.2 0.4 (14.4) 1.1 (1.0) 1.3 3.2 0.8 (0.2) (0.0) 0.1 (0.0) 0.0 998.2

Beneficios (pérdidas) del período ANTES de ISLR

496.1 (459.7) 225.4 381.4 (40.1) (16.3) 26.3 297.5 37.8 118.8 9.5 68.8 41.0 (3.2) (0.7) 12.2 22.8 5.5 34.6 (5.3) (4.5) (0.2) 14.6 (24.7) (0.7) 8.6 6.1 0.7 (3.8) 0.0 (26.1) (2.1) 1,220.1


Resultados Tecnicos, Netos 1ero. de Enero del 31 de marzo 2021 En Millones de RD$

Aseguradoras 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

Primas Suscritas

Primas Cedidas

Primas retenidas

Siniestros incurridos, Netos

Comisiones Incurridas, Netas

Costos de Aumento Exceso de (Disminucion Perdida de Rvas)

Total Costos

Resultados Margen Gastos Grales Resultados y Tecnicos, antes Tecnico Adminitrativos Tecnicos de Gastos 376.0 991.1 18.0% 615.1 -471.8 -1.9% -58.5 413.3 94.6 541.3 23.8% 446.7 142.9 579.5 26.1% 436.6

5,493.6 3,125.7 2,270.4 2,217.7

2,050.2 75.4 838.4 789.2

3,443.4 3,050.3 1,432.0 1,428.5

1,841.0 2,396.4 618.7 700.1

221.6 444.4 67.7 86.3

377.6 249.7 234.3 100.5

12.1 18.2 -30.1 -37.8

2,452.4 3,108.8 890.6 849.0

Coopseguros

1,656.6 1,116.2 585.2 560.8 371.3 318.4 278.6 261.3 192.7 162.1 151.2 121.3 111.1 108.6

861.1 535.1 549.0 323.8 261.4 9.9 80.0 25.1 0.0 14.1 0.0 83.7 0.0 2.3

479.9 301.1 3.9 135.5 40.4 33.7 54.9 67.2 44.6 42.0 63.0 0.9 50.4 42.2

36.6 50.6 -5.0 1.7 -32.8 39.8 53.1 43.0 32.8 26.6 22.7 4.8 17.2 15.7

83.4 61.0 0.0 19.9 17.6 0.6 0.0 0.0 1.6 31.5 8.1 -5.9 0.0 15.0

22.6 -4.0 -11.5 141.8 -15.8 25.7 8.8 0.0 3.0 -1.1 11.8 4.0 12.1 2.0

Cuna Mutual

107.8

0.0

40.9

0.0

0.0

1.2

99.6 96.3 77.8 73.0 55.0 39.0 23.1

52.0 6.0 35.0 0.9 2.0 18.4 9.3

795.6 581.1 36.2 237.0 109.9 308.5 198.6 236.2 192.7 148.0 151.2 37.6 111.1 106.2 107.8 47.7 90.3 42.8 72.1 53.0 20.6 13.8

22.6 54.2 17.4 2.3 29.5 4.7 4.7

4.3 20.2 2.4 11.6 6.9 -5.9 0.9

5.0 0.0 0.4 0.0 0.9 1.0 2.5

-1.7 6.0 -0.3 3.9 13.1 -0.3 -8.7

622.5 408.7 -12.7 298.8 9.4 99.8 116.8 110.2 82.0 99.1 105.6 3.9 79.6 74.9 42.1 30.1 80.5 19.9 17.8 50.4 -0.5 -0.6

173.1 172.4 48.9 -61.8 100.5 208.8 81.8 126.0 110.7 48.9 45.6 33.7 31.5 31.3 65.7 17.5 9.8 22.9 54.3 2.6 21.0 14.4

10.4% 15.4% 8.4% -11.0% 27.1% 65.6% 29.4% 48.2% 57.4% 30.2% 30.2% 27.8% 28.3% 28.8% 60.9% 17.6% 10.2% 29.4% 74.4% 4.7% 54.0% 62.4%

237.4 198.6 43.0 46.3 60.8 111.0 68.6 68.6 68.7 49.4 49.3 27.8 11.7 35.6 27.1 27.0 14.8 8.7 40.8 26.3 23.1 9.0

22.3

0.0

22.3

4.6

3.5

0.1

3.3

11.5

10.8

48.3%

17.3 3.6 1.8 1.4 0.8 0.0

0.0 0.0 0.0 0.0 0.1 0.0

17.3 3.6 1.8 1.3 0.7 0.0

1.4 1.2 0.1 1.0 0.2 0.0

3.0 0.3 0.5 0.0 0.1 0.0

0.0 0.5 0.2 0.0 0.0 0.0

0.9 0.7 -1.0 0.5 0.3 0.0

5.4 2.8 -0.1 1.4 0.6 0.0

11.9 0.8 1.9 -0.1 0.1 0.0

19,721.6

6,622.6

13,099.0

7,100.5

1,174.7

1,205.5

179.9

9,660.7

3,438.3

68.8% 22.3% 105.5% -8.0% 6.8% 100.0% 17.4%

Universal Humano Mapfre Reservas Colonial Sura Worldwide Crecer General Pepin Dominicana Monumental Patria BANESCO Atlantica Angloamericana Internacional

Federal BMI BUPA APS Multiseguros SU, S.A. Ademi Confedom

27 28 Autoseguros 29 Yunen 30 MIDAS 31 Unit 32 Hylseg 33 AGRODOSA Totales Amigo

Costos de Gtos Adtvos

Siniestralidad, Costo de Exceso de Neta (1) Adquisicion (2)

sobre primas Perdida retenidas 11.0% 17.9%

60.3%

6.4%

86.1%

14.6%

8.2%

13.6%

50.4%

4.7%

16.4%

31.2%

51.3%

6.0%

7.0%

30.6%

-64.3

69.6%

4.6%

10.5%

29.8%

-26.2

57.5%

8.7%

10.5%

34.2%

Primas Retenidas 62.7% 97.6% 63.1% 64.4%

-4.9

64.4%

22.4%

0.0%

16.4%

14.2

40.8%

5.6%

0.9%

20.4%

13.5

3.3%

16.2%

0.0%

56.6%

-23.7

75.8%

13.0%

1.7%

49.6%

-2.1

23.5%

-28.6%

5.0%

112.3%

5.4

23.3%

6.8%

17.9%

65.5%

48.0% 52.1% 6.2% 42.3% 29.6% 96.9% 71.3% 90.4% 100.0% 91.3% 100.0% 31.0% 100.0% 97.8% 100.0% 47.8% 93.7% 55.0% 98.7% 96.3% 52.8% 59.6%

5.4

5.4

24.5%

15.8%

0.4%

24.2%

100.0%

10.9 4.5 2.0 26.0 2.2 0.0

0.9

8.7%

17.7%

0.0%

63.3%

-3.7

51.5%

9.6%

15.3%

126.6%

100.0% 100.0% 97.4% 97.3% 91.8% 100.0% 66.4%

868.7

5.9

8.1%

-13.8%

0.0%

118.8%

-108.1

179.9%

0.7%

8.4%

19.5%

39.7

37.4%

-29.9%

16.0%

55.3%

97.8

11.9%

12.9%

0.2%

36.0%

13.1

28.9%

26.7%

0.0%

34.6%

57.4

28.4%

18.2%

0.0%

29.1%

42.0

23.7%

17.0%

0.8%

35.6%

-0.5

35.7%

18.0%

21.3%

33.4%

-3.7

48.0%

15.0%

5.4%

32.6%

5.9

2.3%

12.9%

-15.6%

74.0%

19.8

50.8%

15.5%

0.0%

10.5% 33.5%

-4.3

47.3%

14.8%

14.1%

38.6

38.4%

0.0%

0.0%

25.1%

-9.5

50.8%

9.0%

10.5%

56.7%

-0.1

3.9%

30.1%

9.1%

113.7%

-26.1

112.3%

0.1%

0.0%

1946.3%

-2.1

57.8%

13.4%

1.4%

313.8%

0.0

0.0%

0.0%

0.0%

0.0%

170.7

60.6%

9.0%

9.2%

6.6%


COMPAÑIAS ASEGURADORAS ESTADO DE SITUACION CONSOLIDADO (En millones RD$ pesos)

Detalle

31 de Diciembre del 2019 31 de marzo del 2021 Crec. Comp. Comp. Monto

Monto

INVERSION DE LAS RESERVAS

47,150.2

EFECTIVO EN CAJA Y BANCO

3,355.2

19.5% 51.7% 14.6%

39,471.4

49.8%

3.0%

2,927.5

3.7%

PRIMAS, CTAS Y DOCS POR COBRAR

24,754.4

9.7% 33.4%

22,563.6

28.5%

OTROS ACTIVOS

15,970.9

11.4% 14.4%

14,342.0

18.1%

91,230.6

15.0% 100.0%

79,304.5

100.0%

3,113.7 8,718.1 19,214.1 31,045.8

7.5% 3.4% 3.6% 9.6% 17.1% 21.1% 12.0% 34.0%

2,896.9 8,416.2 16,408.3 27,721.4

3.7% 10.6% 20.7% 35.0%

REASEGUROS, CTAS, DOCS Y ACUM POR PAGAR

17,089.1

18.8% 18.7%

14,379.2

18.1%

OTROS PASIVOS Total Pasivos

14,503.4 62,638.3

15.1% 15.9% 14.5% 68.7%

12,602.8 54,703.4

15.9% 69.0%

PATRIMONIO DE LOS ACCIONISTAS CAPITAL PAGADO RESERVAS Y BENEFICIOS ACUMULADOS

14,320.4

7.3% 15.7%

13,350.1

16.8%

TOTAL PATRIMONIO

3,461.8 443.8 8,365.1 2,001.2 28,592.3

16.5% 3.8% 94.4% 0.5% 22.6% 9.2% 64.6% 2.2% 16.3% 31.3%

2,970.5 228.3 6,823.2 1,215.5 24,587.6

3.7% 0.3% 8.6% 1.5% 31.0%

TOTAL PASIVO Y PATRIMONIO

91,230.6

15.1% 100.0%

79,291.0

100.0%

TOTAL ACTIVOS RESERVAS DE SEGUROS MATEMATICAS Y TECNICAS - RAMO DE PERSONAS PRIMAS NO DEVENGADAS - RAMOS GRALES ESPECIFICAS

Sub-Total

Reservas de Prevision Otras Reservas libres Beneficios Acumulados Revaluación por inflación


Incendio y Aliados POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE MARZO DEL 2021

Siniestralidad

En Millones de RD$

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21

Aumento TOTAL DE Costo de Comisiones y Siniestros Participacio (disminucion) Aseguradoras INGRESOS Reaseguros otros costos incurridos, n reservas de PRIMAS Neto de Adquisición Netos Primas

Universal Mapfre Colonial Reservas Sura Humano BANESCO Crecer Monumental Angloamericana Coopseguros General Ademi Atrio Dominicana APS Confedom Atlantica Multiseguros Patria Pepin Totales

2,305.2 1,046.6 752.1 675.0 373.9 65.3 44.8 38.8 27.7 26.3 16.6 13.4 8.8 8.4 6.9 4.0 3.6 3.0 1.8 1.0 0.9

42.5% 19.3% 13.9% 12.4% 6.9% 1.2% 0.8% 0.7% 0.5% 0.5% 0.3% 0.2% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 5,423.9 100.0%

2,016.4 848.6 583.1 535.1 322.4 57.3 22.8 37.4 2.7 16.1 10.1 13.3 4.6 3.9 4.4 1.2 1.4 0.0 0.9 4,481.7

88.2 34.3 47.5 58.8 22.3 6.0 5.6 3.3 4.1 2.1 1.5 1.4 0.3 0.9 1.3 0.3 0.4 0.3 0.1 0.1 0.0 278.7

42.3 28.3 14.4 28.1 11.3 7.2 1.5 0.7 (76.5) (2.9) (0.0) 2.3 0.3 0.1 1.5 0.2 0.0 (0.0) 0.0 58.8 -

-4.2 -11.1 7.6 -39.3 -6.9 -0.7 -6.1 -1.1 0.0 2.0 -0.2 -1.1 -0.1 0.9 -1.2 1.2 -0.5 -0.0 0.2 -0.2 0.1 60.6

Total Costos 2,142.8 900.1 652.6 582.7 349.2 69.8 23.8 40.4 (69.6) 17.3 11.4 15.9 5.2 5.8 1.5 1.7 4.3 1.5 1.6 (0.1) 1.0 4,758.7

Margen Tecnico

162.4 146.6 99.5 92.2 24.8 (4.5) 21.0 (1.6) 97.3 9.0 5.3 (2.5) 3.6 2.6 5.3 2.3 (0.7) 1.4 0.1 1.0 (0.1) 665.2

7.0% 14.0% 13.2% 13.7% 6.6% -6.9% 46.8% -4.0% 351.5% 34.1% 31.7% -18.3% 41.1% 30.7% 77.4% 58.1% -19.1% 47.6% 7.7% 108.8% -12.1% 12.3%

Neta 21.4% 16.5% 18.7% 54.6% 144.3% 0.0% 5.2% 37.7% -308.3% -54.5% -0.7% 105.6% 103.9% 1.6% 18.2% 6.3% -1.8% -0.2% 13.5% 0.0% 0.0% 10.0%

COSTO DE ADQUISICION

4.0% 3.4% 6.7% 9.7% 5.7% 0.0% 12.2% 8.8% 15.0% 11.1% 9.1% 10.0% 2.8% 10.1% 15.4% 10.6% 9.8% 11.4% 7.9% 5.2% 3.4% 5.4%

Vehiculos de Motor POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE MARZO DEL 2021

Siniestralidad

En Millones de RD$

Aseguradoras 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

Universal Reservas Mapfre Colonial Sura Pepin Monumental Patria Dominicana Humano Atlantica Internacional BANESCO Angloamericana General Multiseguros SU Coopseguros Atrio APS Amigo Autoseguros Confedom Unit Hylseg Ademi MIDAS Totales

Costo de Comisiones y TOTAL DE Participacio Reaseguros otros costos de INGRESOS n Neto Adquisición PRIMAS 674.7 15.4% 673.4 15.3% 480.7 10.9% 445.0 10.1% 380.5 8.7% 303.3 6.9% 220.4 5.0% 186.0 4.2% 179.4 4.1% 176.1 4.0% 146.0 3.3% 111.1 2.5% 83.5 1.9% 58.6 1.3% 53.2 1.2% 45.9 1.0% 44.4 1.0% 40.4 0.9% 39.0 0.9% 19.8 0.5% 17.3 0.4% 11.4 0.3% 1.0 0.0% 0.7 0.0% 0.2 0.0% 0.0 0.0% 4,391.9 100.0%

2.9 (0.3) 20.7 31.1 6.5 4.6 21.6 1.5 60.0 2.5 5.5 12.1 27.2 13.9 0.1 3.1 25.3 0.5 0.0 0.9 0.1 0.2 240.0

94.7 102.8 61.3 67.7 61.6 40.4 37.1 29.9 32.6 25.5 22.0 17.2 13.1 5.6 10.8 5.8 6.3 6.3 6.1 3.3 3.0 1.7 0.0 0.1 0.0 0.1 655.1

Siniestros incurridos, Netos 350.7 347.5 372.4 225.9 219.3 504.9 149.8 44.6 44.2 112.8 63.0 50.4 33.6 1.3 11.7 28.8 20.0 2.6 2.1 8.6 1.4 4.4 0.4 0.2 0.1 2,600.8

Aumento (disminucion) reservas de Primas 29.7 -8.3 -21.9 6.0 5.9 25.3 0.0 9.8 8.9 17.3 12.1 12.1 3.2 0.9 -0.4 12.2 2.7 -4.3 1.4 3.5 0.9 -0.4 0.4 0.3 0.0 -0.4 116.9

Total Costos 478.1 441.7 432.5 330.8 293.3 575.3 208.5 85.8 145.8 158.1 102.7 79.6 62.0 34.9 36.0 46.8 32.0 29.9 10.1 15.5 5.4 6.6 0.8 0.7 0.0 0.0 3,612.9

Margen Tecnico

196.7 231.7 48.2 114.2 87.2 (272.0) 11.9 100.2 33.7 18.0 43.3 31.5 21.4 23.7 17.2 (0.9) 12.4 10.5 28.9 4.3 11.9 4.8 0.2 0.0 0.2 (0.0) 779.0

29.1% 34.4% 10.0% 25.7% 22.9% -89.7% 5.4% 53.9% 18.8% 10.2% 29.7% 28.3% 25.7% 40.5% 32.4% -2.1% 28.0% 26.5% 74.1% 21.7% 68.8% 42.0% 16.8% 0.9% 85.9% -98.1% 17.7%

Neta 54.7% 50.9% 77.8% 55.7% 59.6% 185.4% 75.4% 25.5% 40.0% 72.4% 49.1% 50.8% 49.3% 8.0% 40.6% 85.5% 51.6% 102.6% 5.6% 53.0% 8.7% 0.4 0.7 0.6 65.3%

COSTO DE ADQUISICION

14.7% 15.1% 12.2% 15.5% 16.5% 14.5% 16.8% 16.9% 21.4% 16.2% 16.4% 17.4% 16.6% 10.0% 19.9% 17.2% 15.1% 15.4% 16.3% 20.5% 18.7% 14.7% 0.0% 27.3% 10.5% 18.5% 15.4%


Colectivo POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE MARZO DEL 2021

Siniestralidad

En Millones de RD$ Aseguradoras 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 4

Universal Reservas Crecer Mapfre General Cuna Mutual Sura Humano Colonial Coopseguros Atrio Ademi BANESCO Angloamericana BMI Worldwide APS Multiseguros SU Amigo MIDAS Monumental Atlantica Confedom Pepin Dominicana Yunen Totales

Costo de Comisiones y Siniestros TOTAL DE Participacio Reaseguros otros costos incurridos, n INGRESOS Neto de Adquisición Netos 656.9 539.2 487.6 452.3 273.8 101.4 87.7 70.5 51.3 44.0 36.7 29.5 12.4 9.5 6.9 4.3 3.9 1.7 1.6 1.5 1.4 0.8 0.1 0.1 0.0 0.0

22.8% 18.8% 17.0% 15.7% 9.5% 3.5% 3.0% 2.5% 1.8% 1.5% 1.3% 1.0% 0.4% 0.3% 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0%

13.3 24.4 269.7 2.5 168.6 9.6 1.6 4.4 2.7 0.1 7.6 0.1 1.5 1.9 2.9 0.7 0.4 0.0 0.0 -

2,875.1

100.0%

512.1

12.7 57.4 7.4 11.5 0.3 34.6 23.1 4.0 7.6 14.4 0.6 5.2 1.7 1.5 1.0 0.5 0.5 0.0 0.3 0.3 0.2 0.0 (0.0) (0.0) 0.0 184.5

Variacion reservas de Primas

Total Costos

429.8 294.8 135.6 169.7 25.9 40.9 19.4 56.2 18.4 22.1 18.5 4.4 1.0 1.0 0.1 1.6 0.0 (0.0) 0.2

-2.1 -2.2 141.6 -2.2 -0.4 0.7 -0.6 -0.9 -0.2 -0.0 0.8 -0.2 2.2 0.1 -0.2 0.0 0.1 0.1 -0.0 0.1 0.0 -0.6 0.0 -0.0 -0.0 0.0

453.7 374.4 554.4 181.6 194.4 41.6 63.0 80.0 26.6 32.3 33.8 12.3 8.5 4.3 3.3 3.9 0.6 0.6 (0.0) 0.4 2.6 (0.0) 0.0 0.0 (0.0) 0.2

1,239.6

136.3

2,072.5

Salud

Margen Tecnico

203.2 30.9% 164.8 30.6% (66.7) -13.7% 270.7 59.9% 79.4 29.0% 59.8 59.0% 24.6 28.1% (9.6) -13.6% 24.7 48.2% 11.7 26.5% 2.9 7.8% 17.1 58.1% 3.9 31.8% 5.2 55.1% 3.6 52.4% 0.4 9.8% 3.3 84.8% 1.1 66.5% 1.6 100.0% 1.2 76.0% (1.1) -77.7% 0.8 101.2% 0.1 92.7% 0.1 76.4% 0.0 129.1% (0.2) -1089.9% 802.7

NETA

COSTO DE ADQUISICION

68.4% 57.0% 204.0% 37.6% 40.5% 40.6% 27.7% 80.6% 40.0% 53.4% 51.9% 22.7% 9.7% 12.6% 1.5% 0.0% 0.0% 0.0% 0.0% 0.0% 216.4% 2.6% 0.0% -22.0% 0.0% 0.0%

1.9% 10.6% 2.0% 2.5% 0.1% 0.0% 39.2% 31.5% 7.8% 17.3% 40.0% 1.9% 51.1% 17.8% 21.4% 22.2% 12.5% 30.0% 1.4% 20.0% 18.9% 15.1% 3.7% 0.0% -19.2% 0.0%

57.8%

6.7%

27.9%

POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE MARZO DEL 2021

Siniestralidad

En Millones de RD$

Costo de Comisiones y Siniestros Variacion TOTAL DE Participacio Aseguradoras Reaseguros otros costos incurridos, reservas de n INGRESOS Neto de Adquisición Netos Primas 1 2 3 4 5 6 7 8 9 10 11 12 13 31 4 33 14 15 16 34 17 18 19

Humano Universal Worldwide Colonial Mapfre BMI BUPA Sura Reservas BANESCO Crecer Atrio Yunen APS General Confedom Amigo Unit Monumental Multiseguros SU Ademi Pepin Coopseguros Angloamericana Dominicana Totales

2,778.4 52.1% 1,469.1 27.6% 558.7 10.5% 135.7 2.5% 91.2 1.7% 89.5 1.7% 77.8 1.5% 63.7 1.2% 47.3 0.9% 5.0 0.1% 4.6 0.1% 4.2 0.1% 3.5 0.1% 2.1 0.0% 1.4 0.0% 0.1 0.0% 0.1 0.0% 0.1 0.0% 0.0 0.0% 0.0 0.0% 0.0 0.0% 0.0 0.0% 0.0 0.0% 0.0% (0.2) 0.0% 5,332.4 100.0%

231.7 11.7 436.5 18.1 14.9 4.1 22.3 20.8 18.2 0.0 3.9 3.6 0.5 0.0 0.1 (0.0) 0.1 786.6

399.8 156.0 93.8 23.3 8.0 18.8 15.5 10.5 5.7 2.0 0.5 0.6 0.3 0.3 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (0.0) 735.3

2,216.4 967.6 3.9 197.0 30.0 54.1 17.4 10.5 9.6 0.4 (1.5) 1.0 0.0 0.1 3,506.5

1.1 -2.9 -4.3 9.3 4.6 6.2 -0.3 2.0 4.1 0.2 0.3 0.0 0.7 -0.0 -0.3 0.0 -0.0 0.0 0.0 0.0 -0.0 -0.0 -0.0 0.1 -0.1 20.9

Total Costos 2,849.1 1,132.4 529.9 247.7 57.4 83.2 54.9 43.8 37.7 2.7 3.1 4.2 2.5 0.3 (0.2) 0.1 0.1 0.0 0.0 0.0 0.1 (0.0) 0.0 0.1 (0.0) 5,049.2

Margen Tecnico

(70.7) -2.5% 336.7 22.9% 28.9 5.2% (112.0) -82.5% 33.8 37.1% 6.2 7.0% 22.9 29.4% 19.9 31.2% 9.6 20.3% 2.3 46.6% 1.5 31.6% (0.1) -1.3% 1.0 28.4% 1.8 85.8% 1.5 111.2% 0.0 5.3% 0.0 27.5% 0.1 97.8% 0.0 85.0% 0.0 78.1% (0.1) -1141.9% 0.0 175.9% 0.0 98.0% (0.1) #DIV/0! (0.1) 77.0% 283.1 5.3%

NETO 87.1% 66.3% 15.1% 184.3% 42.5% 68.2% 40.8% 30.5% 38.8% 9.1% -620.1% 57.8% 42.3% 0.0% 0.0% 0.0% 31.9% 0.0% 0.0% 112.3% 38.4% 0.0% 0.0% 0.0% -41.0% 79.7%

COSTO DE ADQUISICION

14.4% 10.6% 16.7% 18.5% 8.5% 22.5% 19.7% 17.4% 13.9% 42.3% 10.5% 24.1% 76.7% 14.2% 3.8% 16.3% 45.8% 0.0% 15.0% 0.6% 0.0% 0.0% 4.5% -0.1% 31.6% 13.8%