Cifras del Mercado Asegurador Dominicano 2019

Page 1

Cifras del Mercado Asegurador Dominicano Año 2019

Miguel Villaman


Informe Ejecutivo Del 1ro. de enero al 31 de diciembre del 2019 Al cierre del año 2019, el consolidado de las 31 aseguradoras autorizadas por la Superintendencia de Seguros facturaron primas netas por valor de RD$69,459.7 millones de pesos, representando un crecimiento fue de 14.8%, el cual fue liderado por Salud 23.5%, Incendio y Líneas Aliadas 17.1%, Colectivo 15.2% y Vehículos de Motor 4.4% Salud estuvo liderando la cartera de prima de este segmento con un 26.6%, seguido de Incendio y líneas aliadas con un 24.0%, vehículos de motor un 23.5% y colectivo un 15.7%. Los beneficios después de Impuestos sobre la Renta, ascendieron a RD$49,962.3 millones de pesos que en comparación con el 2018 muestran un crecimiento de un 24.3%. El comportamiento de los resultados del período antes mencionado, muestra que los resultados técnicos después de Gastos Administrativos experimentaron un ligero aumento, al pasar de 2.67% en el 2018 a 2.98% en el 2019. Los Costos combinados se mantienen en niveles similares al 2018 con una pequeña reducción de 0.4 puntos porcentuales, en donde la composición de dichos costos, no muestran variaciones significativas. Por otro lado, los resultados financieros productos de las inversiones y el costo del dinero aportaron el 67.2% de los beneficios antes de Impuestos Sobre la Renta. Los Activos consolidados terminaron en RD$ 77,228.3 millones de pesos, mostrando un crecimiento de un 8.2%, donde las inversiones totales que representan 1.7% de crecimiento. Los Pasivos muestran un aumento de 4.5% y el Patrimonio de los accionistas presenta un 17.7%, lo que constituye un fortalecimiento del Patrimonio al cierre del período antes indicado.


Seguros de Personas Del 1ero. De Enero al 31 de diciembre del

2019 Composicion 2018 317.1 276.3 0.5% 10,882.2 15.7% 9,443.4 18,480.7 26.6% 14,962.2 726.7 601.9 1.0%

Indiv idual Colectiv o Salud Personales

30,406.8

Composicion

43.8% 25,283.8

Variacion

0.5% 15.6% 24.7% 1.0%

14.8% 15.2% 23.5% 20.7%

41.8%

20.3%

Primas Suscritas, Fianzas y demas Ramos Del 1ero. De Enero al 31 de diciembre del En millones de RD$

2019

Composicion

2018

Composicion

Variacion

DEMAS RAMOS Naves marítimas

201.3

4.2%

181.3

4.0%

Naves aéreas

185.1

3.9%

191.7

4.2%

-3.5%

Agricola y Pecuario

566.7

11.9%

699.4

15.3%

-19.0%

Transporte marítimo, terrestre y aereo 800.7

16.8%

758.5

16.6%

5.6%

1,632.8

34.3%

1,428.1

31.3%

14.3%

Ramos técnicos

908.2

19.1%

928.1

20.4%

-2.1%

Otros seguros

461.9

9.7%

370.3

8.1%

24.7%

4,756.7

100.0%

4,557.5

0.0%

4.4%

Fianzas de fidelidad

520.6

39.9%

493.3

36.5%

5.5%

Fianzas de construcción

389.5

29.8%

482.7

35.7%

-19.3%

Fianzas aduanales

37.4

2.9%

34.9

2.6%

7.1%

Fianzas judiciales

18.1

1.4%

21.7

1.6%

-16.6%

340.0

26.0%

318.1

23.5%

6.9%

1,305.6

100.0%

1,350.7

0.0%

-3.3%

Responsabilidad civil general

Totales

11.0%

FIANZAS

Otras Fianzas Totales


Mercado Asegurador Dominicano

Mercado Asegurador Dominicano

ESTADO DE BENEFICIOS Y BENEFICIOS ACUMULADOS Del 1ero. De Enero al 31 de diciembre del

Crecimiento

En Millones de RD$

2019 INGRESOS Primas Suscritas Reaseguros Aceptados Total de Primas Suscritas y Aceptadas Intereses sobre Inversiones y Otros

2018

14.8% -14.3%

69,471.3 60,516.7

14.8%

6,055.2

5,032.5

20.3%

75,526.5 65,549.2

15.2%

GASTOS DE OPERACIONES COSTOS DE LOS NEGOCIOS DE SEGUROS Y REASEGUROS Costos de reaseguro, neto 21,846.2 19,075.4 Comisiones y otros costos de adquisición 7,132.5 6,159.4 Siniestros y otras prestaciones incurridas, netos 25,130.5 21,868.4 Aumento ( disminución ) de las reservas de seguros 891.4 825.3

14.5% 15.8% 14.9% 8.0%

TOTAL DE INGRESOS

Total costos seguros y reaseguros

55,000.6 47,928.4

Referidos a las primas suscritas

Costos del dinero y otros gastos

79.2%

79.2%

1,909.9

14.8%

1,778.2

7.4% 12.9%

Referidos a las primas suscritas

12,304.0 10,894.4 17.71% 18.00%

Sub-total

14,213.9 12,672.6

12.2%

69,214.4 60,601.1

14.2%

Gastos generales y administrativos

Total gastos de operaciones Beneficios ( pérdida) del período Referidos a los ingresos totales

Impuesto sobre la renta Beneficios (pérdidas) netos despues del ISR Referidos a los ingresos totales

6,312.1

4,948.1

8.4%

7.5%

1,349.7

959.9

4,962.3

3,988.3

6.6%

6.1%

27.6%

24.4%

Primas suscritas y Beneficios Del 1ero. De Enero al 31 de Diciembre del Valores en millones de RD$

Primas Suscritas Crecimiento

2015

2016

2017

2018

2019

35,540.6

40,727.4

50,922.2

60,503.1

69,459.7

8.4%

4.3%

9.6%

18.8%

14.8%

Resultados despues de ISLR Crecimiento

2,067.1

2,113.8

2,127.8

3,988.3

4,962.3

34.2%

2.3%

0.7%

87.4%

24.4%

Beneficios Referidos a las primas

5.8%

5.2%

4.2%

6.6%

7.1%

25.0%

18.8%

14.8%

2015

2016

2017

2018

2019

Primas Suscritas

35,540.6

40,735.9

50,927.4

60,516.7

69,471.3

Primas Cedidas

12,867.7 22,673.0

13,868.2 26,867.6

16,617.5 34,309.9

18,701.6 21,204.7 41,815.1 48,266.6

10,566.0 1,419.2

13,289.8 1,707.2

18,172.5 2,317.2

21,868.4 3,164.7

2,798.8 554.2 15,338.2 7,334.8 6,972.7 362.1 2,227.5 585.1 2,004.6

2,541.4 1,025.5 18,563.8 8,303.8 8,207.0 96.9 2,555.2 584.9 2,067.2

3,099.6 1,426.4 25,015.8 9,294.1 9,505.5 (211.5) 3,060.1 747.3 2,101.4

3,368.5 3,791.9 825.3 891.4 29,226.9 33,795.8 12,588.3 14,470.8 10,894.4 12,306.0 1,693.9 2,164.8 3,254.3 4,145.5 959.9 1,348.7 3,988.3 4,961.7

Variacion

69,459.7 60,503.1 11.6 13.6

Beneficios, Neto 6.3% 14.6%

Primas retenidas Siniestros incurridos, Netos Comisiones Incurridas, Netas Costos de Exceso de Perdida Aumento (Disminucion de Rvas) Total Costos Resultados Tecnicos Gastos Adminitrativos Resultados Tecnicos, Despues de Gastos Ingresos financieros, netos Impuesto sobre la renta Resultados despues de ISRL

25,130.5 3,982.0

Costos Combinados 2015

Siniestralidad,Neta (1) Costo de Adquisicion (2) Gastos Adminitrativos (3) Costos de Exceso de Perdida

2016

2017

2018

2019

47.8% 6.3% 31.5% 12.7%

51.4% 6.4% 31.8% 9.8%

55.3% 6.8% 28.9% 9.4%

53.4% 7.6% 26.6% 8.2%

53.0% 8.3% 26.0% 8.0%

98.2%

99.4%

100.4%

95.7%

95.3%


Incendio y Lineas Aliadas Resultados Tecnicos, Neto Crecimiento

-1.0%

Primas Suscritas

10,899.1

11,221.6

12,408.0

14,260.6

16,700.6

Primas Cedidas

6,958.7

7,273.6

8,324.2

9,662.7

11,768.4

3,940.4

3,948.0

396.5

492.6

(197.2)

(299.4)

Costos de Exceso de Perdida 2,386.7

14.1% 2017

12.7% 2018

8.2% 2019

Primas Suscritas Primas Cedidas Primas retenidas Siniestros incurridos, Netos Comisiones Incurridas, Netas Costos de Exceso de Perdida Aumento (Disminucion de Rvas) Total Costos

10,235.3 562.1 9,673.3 5,726.0

11,717.9 683.2 11,034.6 6,842.9

13,368.4 803.5 12,565.0 7,175.5

15,060.3 779.6 14,280.8 7,796.4

16,295.0 756.9 15,538.2 8,598.5

1,368.8

1,540.2

1,747.5

1,945.8

2,193.0

101.8 459.8

98.9 551.3

140.4 570.3

114.7 674.2

252.3 434.0

7,656.4

9,033.3

9,633.7

10,531.2

11,477.9

2,016.9

2,001.3

2,931.3

3,749.6

4,060.3

19.7%

17.1%

21.9%

21.9%

24.9%

62.8% 13.4%

65.9% 13.1%

60.5% 13.1%

0.0% 12.9%

57.9% 13.5%

Resultados Tecnicos, antes de Gastos Margen Tecnico Siniestralidad,Neta (1) Costo de Adquisicion (2)

(380.1)

4,597.9 771.1 (412.9)

4,932.2 631.2 (396.0)

2,037.2

1,916.9

2,115.3

188.6

120.2

217.8

2,636.3

2,419.0

2,741.6

2,691.2

1,942.3

1,304.0 Resultados Tecnicos, antes de Gastos 12.0% Margen Tecnico

1,529.1

1,342.2

1,906.6

2,989.9

13.6%

10.8%

13.4%

17.9%

Total Costos

14.5% 2016

4,083.8 1,084.7

2019

50.3

Aumento (Disminucion de Rvas)

4.2% 2015

17.1%

2018

Comisiones, Netas

Crecimiento

14.9%

2017

Siniestros incurridos, Netos

Del 1ero. De enero al 31 de diciembre del Resultados Tecnicos, Neto

10.6%

2016

Primas retenidas

Vehiculos de Motor y Responsabilidad Civil

3.0%

2015

1,640.8 66.4


Salud

Vida Colectivo

Resultados Tecnicos, Neto

Resultados Tecnicos, Neto

4.3% 2015

Primas Suscritas Primas Cedidas Primas retenidas Siniestros incurridos, Netos

Comisiones Incurridas, Netas Costos de Exceso de Perdida Aumento (Disminucion de Rvas) Total Costos Resultados Tecnicos, antes de Gastos Margen Tecnico Siniestralidad, Neta

76.6% 2016

23.5% Crecimiento

99.1% 2017

46.4% 2018

2019

2,908.3 775.9 2,132.4 1,408.1 229.0 159.2

5,134.7 10,221.5 1,175.1 1,823.6 3,959.7 8,397.9 2,645.7 5,383.5 441.1 955.3 230.4 867.9

14,962.2 2,106.3 12,856.0 8,528.3 1,712.3 955.2

18,480.7 2,479.6 16,001.1 11,210.3 1,990.8 824.7

-22.2 1,774.1

230.4 3,547.6

449.4 7,656.1

-115.9 11,080.0

14,248.0

358.4 12.3%

412.1 8.0%

741.8 7.3%

1,776.0 11.9%

70.6%

75.6%

76.0%

71.0%

Primas Suscritas Primas Cedidas Primas retenidas

2016

10.3% 2018

6,514.5

7,607.6

8,559.8

9,443.4

1,459.2

1,744.8

1,836.1

2,214.7

75.0% Siniestralidad,Neta

46.5%

3,332.4

3,849.0

3,561.1

130.3

171.0

132.4

370.1

56.9

44.4

50.0

48.2%

50.6%

4,115.6 4,568.3

42.0% 41.9%

Resultados Tecnicos, Neto

2.22% 2017

12.76% 2018

Del 1ero. De enero al 31 de diciembre del

5.54%

4.6%

2019

19.2%

16.7%

(9.6)

(7.5)

-6.9

-10.4

4.7

20.6

9.2

6.6

3.4

(2.8)

8.7

7.7

152.0

178.9

177.6

183.3

Resultados Tecnicos, antes de Gastos 51.8 11.4% % de RTAG 78.7 Gastos Administrativos Resultados Tecnicos, Despues de Gastos(26.9) Siniestralidad,Neta (1) 78.5%

37.1 8.7%

50.4

62.2

11.5%

12.6%

78.7 (41.5)

78.7 (28.3)

79.7 (17.4)

2015 2016 2017 521.7 545.6 650.1 Primas Suscritas 246.4 268.6 347.9 Primas Cedidas 275.4 277.0 302.2 (6.4) Primas retenidas 4.1 Siniestros incurridos, Netos 74.1 82.9 73.5 16.1 Comisiones Incurridas, Netas 3.2 1.9 -0.3 183.7 Costos de Exceso de Perdida 48.3 31.6 29.0 88.7 Aumento (Disminucion de Rvas) -6.2 2.9 4.2 17.0% 119.4 119.4 106.4 Total Costos 103.5 Admtvos. 157.6 195.7 (14.8) Resultados Tecnicos Antes de Gtos 155.9

85.1%

79.3%

77.6%

67.4% Margen tecnico

Total Costos

54.0%

64.0 120.4

Transporte de Carga

493.3 247.8 245.5 179.3

Aumento (Disminucion de Rvas)

2,198.3 8,683.9

2,782.7

437.5 209.5 228.0 166.7

455.2 251.5 203.8 153.5

10,882.2

5,055.3 5,862.8 6,723.8 7,228.7

428.0 212.0 216.0 168.6

Primas Suscritas Primas Cedidas Primas retenidas Siniestros incurridos, Netos Comisiones Incurridas, Netas Costos de Exceso de Perdida

15.2% 2019

2,527.2 2,855.8 3,088.1 3,151.0 Resultados Tecnicos, antes de Gastos 1,753.1 Margen Tecnico 38.8% 37.5% 36.1% 33.4% 9.5%

Resultados Tecnicos, Neto 2015

12.5% 2017

27.5 37.1 87.8 46.3 Aumento (Disminucion de Rvas) 222.1 T otal Costos 2,528.2 3,007.0 3,635.6 4,077.7

Del 1ero. De Enero al 31 de Diciembre del

-5.98%

16.8% 2016

Siniestros incurridos, Netos 2,317.6 140.7 Comisiones Incurridas, Netas 42.3 Costos de Exceso de Perdida

Fidelidad

11.7%

20.4% 2015

520.7 248.2 272.4 169.9

29.9%

28.9%

5.6%

2018 2019 758.9 801.3 478.6 493.7 280.3 307.6 90.9 123.1 -25.0 -25.9 28.3 10.2 1.9 2.2 96.1 109.6 184.2 198.0

30.1%

24.3%

24.7%

Tasa de rendimiento de las inversiones 2015

2016

2017

2018

2019

25,293.1

28,295.4

29,264.9

34,711.3

38,900.8

Redimiento sobre la inversiones

2,909.0

2,652.6

2,841.1

3,176.3

3,400.7

Tasa

11.5%

9.4%

9.7%

9.2%

8.7%

Inversiones promedio*


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

Detalle

31 de Diciembre del 2019 31 de Diciembre del 2018 Crec. Comp. Comp. Monto Monto

INVERSION DE LAS RESERVAS

38,143.6

EFECTIVO EN CAJA Y BANCO

3,371.0

9.2% 49.4% 32.7%

34,939.3

49.0%

3.0%

2,540.7

3.6%

PRIMAS, CTAS Y DOCS POR COBRAR

20,558.2

10.8% 33.4%

18,555.9

26.0%

OTROS ACTIVOS

15,145.4

-1.2% 14.4%

15,329.9

21.5%

77,218.2

8.2% 100.0%

71,365.7

100.0%

2,827.7 8,269.1 15,957.6 27,054.5

19.2% 3.7% 7.2% 10.7% 13.9% 20.7% 12.3% 35.0%

2,371.8 7,713.4 14,005.9 24,091.1

3.3% 10.8% 19.6% 33.8%

REASEGUROS, CTAS, DOCS Y ACUM POR PAGAR

14,327.2

-11.0% 18.6%

16,102.5

22.6%

OTROS PASIVOS Total Pasivos

12,113.3 53,495.0

10.1% 15.7% 4.5% 69.3%

11,006.6 51,200.2

15.4% 71.7%

PATRIMONIO DE LOS ACCIONISTAS CAPIT AL PAGADO RESERVAS Y BENEFICIOS ACUMULADOS

12,416.0

15.8% 16.1%

10,726.5

15.0%

TOTAL PATRIMONIO

3,003.0 324.5 6,407.2 1,572.5 23,723.2

15.6% 3.9% 51.8% 0.4% 23.3% 8.3% 10.0% 2.0% 17.6% 30.7%

2,596.9 213.8 5,198.5 1,429.8 20,165.5

3.6% 0.3% 7.3% 2.0% 28.3%

TOTAL PASIVO Y PATRIMONIO

77,218.2

8.2% 100.0%

71,365.7

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


MERCADO ASEGURADOR DOMINICANO PRIMAS SUSCRITAS-DIRECTAS Del 1ero. De Enero al 31 de diciembre 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 30 28

Universal Humano Banreservas Mapfre Colonial Sura Worldwide Scotia Seguros General Monumental Pepin Dominicana Patria Angloamericana Agrodosa Atlantica Banesco Coopseguros Bmi Internacional Bupa Cuna Mutual Atrio APS Ademi Amigo Confedom Multiseguros SU, S.A. Autoseguros

29 Hylseg 29 Unit

TOTALES

2019 Personas

Participacion

Daños

Variacion

2018 Participacion

Totales

7,199.6 10,543.2 2,351.6 2,347.4 1,193.8 629.0 2,153.5 1,365.8 1,001.7 1.6 1.2 9.3 0.0 133.0 34.7 5.2 36.2 162.7 407.9 0.0 318.4 312.1 2.5 9.4 109.1 76.2 1.5 0.0 0.0 0.0 0.1

23.7% 34.7% 7.7% 7.7% 3.9% 2.1% 7.1% 4.5% 3.3% 0.0% 0.0% 0.0% 0.0% 0.4% 0.1% 0.0% 0.1% 0.5% 1.3% 0.0% 1.0% 1.0% 0.0% 0.0% 0.4% 0.3% 0.0% 0.0% 0.0% 0.0% 0.0%

8,778.1 642.2 6,559.1 6,242.4 4,602.9 4,357.5 0.0 192.5 510.0 1,188.3 1,025.5 702.6 705.4 500.8 566.7 550.8 491.4 254.4 0.0 319.2 0.0 5.1 244.6 197.5 66.7 54.7 112.1 96.1 70.2 5.1 0.1

22.5% 15,977.7 1.6% 11,185.4 16.8% 8,910.7 16.0% 8,589.7 11.8% 5,796.7 11.2% 4,986.4 0.0% 2,153.5 0.5% 1,558.3 1.3% 1,511.6 3.0% 1,189.9 2.6% 1,026.6 1.8% 711.9 1.8% 705.4 1.3% 633.8 1.5% 601.3 1.4% 556.1 1.3% 527.6 0.7% 417.1 0.0% 407.9 0.8% 319.2 0.0% 318.4 0.0% 317.2 0.6% 247.1 0.5% 206.9 0.2% 175.9 0.1% 130.9 0.3% 113.6 0.2% 96.1 0.2% 70.2 0.0% 5.1 0.0% 0.1

30,406.7

100.0%

39,041.8

100.0% 69,448.5

Participacion

23.0% 16.1% 12.8% 12.4% 8.3% 7.2% 3.1% 2.2% 2.2% 1.7% 1.5% 1.0% 1.0% 0.9% 0.9% 0.8% 0.8% 0.6% 0.6% 0.5% 0.5% 0.5% 0.4% 0.3% 0.3% 0.2% 0.2% 0.1% 0.1% 0.0% 0.0%

Personas

5,053.4 9,046.0 1,937.8 2,141.2 1,067.7 525.5 1,949.5 1,287.6 933.2 2.1 1.0 4.4 0.0 59.2 37.1 7.6 24.4 145.7 265.0 0.0 275.6 269.4 2.3 6.0 99.2 140.9 1.5 0.4 0.0 0.0 0.0

100.0% 25,283.8

Participacion

20.0% 35.8% 7.7% 8.5% 4.2% 2.1% 7.7% 5.1% 3.7% 0.0% 0.0% 0.0% 0.0% 0.2% 0.1% 0.0% 0.1% 0.6% 1.0% 0.0% 1.1% 1.1% 0.0% 0.0% 0.4% 0.6% 0.0% 0.0% 0.0% 0.0% 0.0%

Daños

Participacion

Totales

8,119.3 180.7 6,123.3 5,526.1 4,324.5 3,701.1 0.0 186.6 527.4 1,095.0 999.8 575.4 580.8 315.5 699.4 614.5 430.7 218.4 0.0 297.1 0.0 4.6 227.6 121.4 49.9 75.3 116.8 42.9 64.1 0.0 0.0

23.1% 13,172.7 0.5% 9,226.7 17.4% 8,061.1 15.7% 7,667.3 12.3% 5,392.3 10.5% 4,226.6 0.0% 1,949.5 0.5% 1,474.2 1.5% 1,460.6 3.1% 1,097.2 2.8% 1,000.8 1.6% 579.8 1.6% 580.8 0.9% 374.7 2.0% 736.5 1.7% 622.1 1.2% 455.1 0.6% 364.2 0.0% 265.0 0.8% 297.1 0.0% 275.6 274.0 0.6% 229.9 0.3% 127.4 0.1% 149.1 0.2% 216.2 0.3% 118.4 0.1% 43.3 0.2% 64.1 0.0% 0.0%

100.0% 35,218.3

100.0% 60,502.0

Participacion

21.8% 21.3% 15.3% 21.2% 13.3% 10.5% 12.7% 12.0% 8.9% 7.5% 7.0% 18.0% 3.2% 10.5% 2.4% 5.7% 2.4% 3.5% 1.8% 8.4% 1.7% 2.6% 1.0% 22.8% 1.0% 21.5% 0.6% 69.1% 1.2% -18.3% 1.0% -10.6% 0.8% 15.9% 0.6% 14.5% 0.4% 54.0% 0.5% 7.4% 0.5% 15.5% 0.5% 15.8% 0.4% 7.5% 0.2% 62.5% 0.2% 18.0% 0.4% -39.4% 0.2% -4.1% 0.1% 122.0% 0.1% 9.5% 0.0% #DIV/0! 0.0% #DIV/0! 100.0%

14.8%


Estado de Beneficios y Beneficios Acumulados POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019 En Millones de RD$

Aseguradoras

1 Universal 2 Humano 3 Banreservas 4 Mapfre 5 Colonial 6 Sura 7 Worldwide 8 Scotia Seguros 9 General 10 Monumental 11 Pepin 12 Dominicana 13 Patria 14 Angloamericana 15 AGRODOSA 16 Atlantica 17 BANESCO 18 Coopseguros 19 BMI 20 Internacional 21 BUPA 22 Cuna Mutual 23 Federal 24 APS 25 Ademi 26 Amigo 27 Confedom 28 Multiseguros SU 29 Autoseguros 30 MIDAS 31 Hylseg 32 Unit

Totales

Aumento TOTAL DE Costo de Comisiones y Siniestros Participacio (disminucion) INGRESOS Reaseguros otros costos de incurridos, n reservas de PRIMAS Neto Adquisición Netos Primas 15,977.7 23.0% 4,980.6 11,185.4 16.1% 1,032.2 8,910.7 12.8% 3,013.6 8,589.7 12.4% 2,877.8 5,796.7 8.3% 2,311.8 4,986.4 7.2% 2,299.8 2,153.5 3.1% 1,670.8 1,558.3 2.2% 1,231.7 1,511.6 2.2% 854.9 1,189.9 1.7% 109.5 1,026.6 1.5% 19.6 711.9 1.0% 144.7 705.4 1.0% 8.0 644.2 0.9% 286.0 601.3 0.9% 293.3 556.1 0.8% 9.6 527.6 0.8% 109.0 417.1 0.6% 70.6 407.9 0.6% 104.2 319.2 0.5% 318.4 0.5% 94.7 317.2 0.5% 248.4 0.4% 113.7 206.9 0.3% (0.0) 175.9 0.3% 77.7 130.9 0.2% 59.2 113.6 0.2% 47.8 96.1 0.1% 22.5 70.2 0.1% 11.2 0.0% 1.5 5.1 0.0% 1.5 0.1 0.0% 69,471.3 100.0% 21,846.2

1,253.9 1,481.1 848.8 547.2 636.6 672.4 336.4 25.9 80.4 191.5 150.4 146.6 104.6 94.4 95.0 83.1 58.7 81.9 52.0 57.6 39.7 40.8 5.0 10.0 13.5 11.7 12.2 0.9 0.0 7,132.5

6,630.7 7,189.2 2,943.1 2,335.0 1,652.6 1,087.0 13.8 316.1 202.1 476.0 386.9 129.8 201.2 132.4 108.4 306.8 135.5 118.7 138.7 188.7 91.4 153.8 57.1 33.8 19.8 16.9 35.1 23.5 4.0 1.4 0.8 0.1 25,130.5

Total Costos

Margen Tecnico

147.9 13,013.0 2,964.6 195.0 9,897.6 1,287.8 99.9 6,905.4 2,005.3 146.3 5,906.2 2,683.5 40.5 4,641.5 1,155.2 104.4 4,163.6 822.8 35.9 2,056.9 96.6 -18.0 1,555.6 2.6 -3.3 1,134.0 377.6 31.9 808.9 380.9 15.2 572.2 454.5 32.7 454.0 258.0 49.2 363.0 342.4 18.1 530.9 113.3 -25.8 375.9 225.4 14.2 425.6 130.5 40.3 367.9 159.7 14.6 262.6 154.5 17.9 342.7 65.2 8.8 249.5 69.7 9.3 253.0 65.3 2.3 156.2 161.0 -18.3 192.2 56.1 14.4 89.0 117.9 1.5 103.9 71.9 -10.5 75.7 55.2 -3.6 92.7 20.8 18.3 76.0 20.1 2.4 18.6 51.5 3.2 6.9 4.3 1.4 3.8 1.3 0.0 0.1 0.0 986.3 55,095.5 14,375.9

18.6% 11.5% 22.5% 31.2% 19.9% 16.5% 4.5% 0.2% 25.0% 32.0% 44.3% 36.2% 48.5% 17.6% 37.5% 23.5% 30.3% 37.0% 16.0% 21.8% 20.5% 50.8% 22.6% 57.0% 40.9% 42.2% 18.3% 20.9% 73.5% 38.1% 25.8% 28.5% 20.7%

Gtos Grales y Adm.

2,461.0 15.4% 1,388.9 12.4% 1,467.2 16.5% 1,710.3 19.9% 1,023.4 17.7% 681.1 13.7% 136.0 6.3% 92.6 5.9% 284.5 18.8% 289.7 24.3% 423.7 41.3% 234.0 32.9% 294.9 41.8% 131.1 20.4% 170.9 28.4% 277.3 49.9% 177.8 33.7% 133.2 31.9% 49.4 12.1% 55.8 17.5% 40.6 12.8% 85.9 27.1% 101.1 40.7% 118.7 57.4% 52.4 29.8% 41.8 31.9% 38.6 34.0% 101.0 105.1% 45.8 65.2% 10.3 92.3% 7.4 145.2% 177.3 166869.4% 12,304.0 17.7%

RESULTADOS TECNICOS Despues de Gtos. Admtvos. 503.6 (101.1) 538.2 973.2 131.7 141.7 (39.4) (90.0) 93.1 91.3 30.8 23.9 47.5 (17.9) 54.5 (146.9) (18.1) 21.3 15.8 13.9 24.7 75.1 (45.0) (0.8) 19.6 13.5 (17.8) (80.9) 5.8 (6.1) (6.1) (177.3) 2,071.9

Intereses Costos del sobre dinero y Resultados Inversiones y otros Financieros Otros gastos 1,296.0 (394.0) 902.0 375.7 (148.8) 227.0 1,775.2 (483.3) 1,291.9 884.0 (152.7) 731.3 266.9 (119.5) 147.4 263.3 (105.0) 158.3 134.3 (40.4) 93.9 422.3 (122.7) 299.6 61.9 (73.1) (11.1) 79.0 (17.3) 61.8 116.5 (16.6) 99.9 1.1 (13.6) (12.5) 15.6 (10.4) 5.2 47.1 (3.5) 43.5 10.3 (10.3) 0.1 57.4 (13.1) 44.3 85.3 (14.9) 70.4 51.5 (2.4) 49.1 12.3 (7.7) 4.5 12.2 (1.2) 11.0 14.2 (43.3) (29.1) 11.0 9.7 20.7 7.7 (6.3) 1.4 16.4 (4.9) 11.5 4.7 (1.0) 3.7 6.6 (4.8) 1.8 21.8 (0.1) 21.8 1.7 (2.1) (0.4) 1.9 (5.1) (3.2) 0.6 (0.0) 0.6 0.1 (0.1) (0.0) 0.5 (6.9) (6.5) 6,055.2 -1,815.0 4,240.2

Beneficios (pérdidas) del período ANT ES de ISLR

Beneficios Impuestos (pérdidas) del sobre la período Renta DESPUES de ISLR

1,405.6 285.0 125.9 38.9 1,830.1 319.4 1,704.6 376.0 279.2 71.0 300.0 44.4 54.5 17.1 209.6 18.4 82.0 21.3 153.1 31.5 130.7 27.5 11.4 3.1 52.7 13.2 25.7 7.1 54.6 7.8 (102.5) 4.7 52.3 6.1 70.3 20.3 4.6 24.9 6.7 (4.4) 2.7 95.8 27.7 (43.5) 10.7 1.1 23.3 6.6 15.2 3.7 4.0 1.1 (81.3) 1.2 2.6 0.7 (5.4) 0.3 (6.1) (183.8) 1.1 6,312.1 1,349.7

1,120.6 87.0 1,510.7 1,328.5 208.2 255.7 37.4 191.2 60.7 121.5 103.3 8.4 39.5 18.6 46.8 (107.2) 46.3 70.3 15.8 18.2 (7.0) 68.1 (43.5) 9.6 16.8 11.6 2.9 (82.5) 1.9 (5.8) (6.1) (184.8) 4,962.3

Beneficios Ingresos Reservas Beneficios Reservas acumulados al (gastos) de Dividendos acumulados al libres principio de años previsión final de año año anteriores 1,133.1 112.1 422.7 8.7 823.5 251.1 2,813.4 197.5 50.0 225.6 25.6 77.0 3.7 568.1 80.0 6.1 240.6 12.2 203.3 13.6 0.8 51.1 3.9 75.2 1.9 (146.5) 4.7 (1,145.8) (579.3) 4.6 28.3 7.0 (42.3) 1.6 37.7 1.8 (109.5) 383.9 6.8 (56.4) (20.0) 1.0 26.3 1.7 (14.1) 0.6 0.3 0.3 (83.0) (3.8) 0.2 (1.3) (1.0) 5,198.5 506.2

423.3 823.5 1,260.0 (2.5) 150.0 450.0 6.1 35.9 40.0 2.6 13.0 15.9 26.3 16.6 3,227.5

(40.2) (0.3) (0.2) 38.6 3.7 8.0 (4.1) (2.3) 3.3

1,758.5 501.1 1,259.6 2,881.9 208.5 455.7 110.9 309.3 134.6 269.5 266.5 17.4 86.7 91.9 (104.3) (1,253.0) (540.3) 54.8 (28.2) 58.1 (116.5) 445.2 (100.0) (9.0) 15.1 (3.1) 2.9 (165.5) (2.1) (7.0) (7.1) (184.8) 6,407.2

Siniestralidad, Neta

COST O DE ADQUISICION

COST O DE EXPLOT ACION

62.4% 72.4% 55.1% 43.0% 52.2% 46.8% 8.9% 105.6% 46.3% 45.2% 39.3% 24.5% 31.0% 54.9% 44.6% 58.8% 37.3% 35.8% 48.7% 60.8% 55.7% 48.9% 55.0% 17.6% 26.4% 26.4% 60.3% 44.5% 5.9% 0.0% 37.3% 62.3% 55.6%

8.0% 13.6% 9.8% 6.6% 11.3% 14.3% 15.9% 1.7% 5.3% 16.5% 14.8% 22.2% 16.0% 16.6% 0.0% 16.2% 16.6% 14.6% 21.2% 16.8% 19.1% 0.0% 16.4% 21.2% 3.0% 3.0% 11.5% 15.7% 18.0% 0.0% 1.1% 0.0% 10.6%

15.4% 12.4% 16.5% 19.9% 17.7% 13.7% 6.3% 5.9% 18.8% 24.3% 41.3% 32.9% 41.8% 20.4% 28.4% 49.9% 33.7% 31.9% 12.1% 17.5% 12.8% 27.1% 40.7% 57.4% 29.8% 29.8% 34.0% 105.1% 65.2% 0.0% 145.2% ######## 17.7%


ESTADO DE SITUACION CONSOLIDADO Al 31 de diciembre del 2019 (En millones RD$ pesos)

ACTIVOS

PASIVOS

PATRIMONIO DE LOS ACCIONISTAS

RESERVAS DE SEGUROS Aseguradoras

PRIMAS, CUENTAS Y INVERSION DE EFECTIVO EN DOCUMENTOS LAS RESERVAS CAJA Y BANCO POR COBRAR Y DEUDORES POR REASEGUROS

1

Universal

10,408.9

1,180.4

5,025.4

2

Banreservas

8,405.8

213.6

3

Mapfre

4 5

Colonial

7,146.3 2,305.6

260.1 379.2

Humano

2,072.9

6

Sura

1,553.8

7

Scotia Seguros

8 9

Pepin General

FIANZA DE PROPIEDADES, GARANTIA Y EQUIPOS Y OTRAS DEP. INVERSIONES ACUMULADA

Total de Activos

RESERVAS RESERVAS DE RESERVAS MATEMATICAS PRIMAS NO ESPECIFICAS Y TECNICAS DEVENGADAS

REASEGUROS, PAGOS TOTAL CTAS, RECIBIDOS RESERVAS DE DOCUMENTOS Y POR SEGUROS ACUMULACIONES ADELANTADO POR PAGAR

OTROS PASIVOS

Sub-Total

Total de pasivos

CAPITAL PAGADO

Reservas de Prevision

Otras Reservas libres

Beneficios Revaluación por inflaciónTOTALES Acumulados

TOTAL PASIVO Y PATRIMONIO DE LOS ACCIONISTAS

3,043.7

331.0

19,989.3

1,168.6

1,455.7

4,582.4

7,206.7

3,216.1

374.6

4,485.2

4,859.7

15,282.4

1,492.2

756.9

-

1,758.5

699.3

4,706.9

19,989.3

2,969.3

900.0

227.2

12,715.9

261.3

1,341.1

3,197.0

4,799.3

2,202.0

298.1

731.0

1,029.1

8,030.4

2,579.4

746.4

100.0

1,259.6

-

4,685.5

12,715.9

3,220.5 2,210.8

1,188.8 578.6

72.9 57.3

11,888.8 5,531.5

180.3 232.7

1,427.1 804.7

3,656.6 657.2

5,264.0 1,694.6

1,707.5 1,455.1

79.5 259.3

949.9 406.0

1,029.4 665.3

8,000.9 3,814.9

500.0 900.0

506.0 450.0

43.9

2,881.9 208.5

114.2

3,887.9 1,716.6

11,888.8 5,531.5

114.4

886.8

1,704.1

579.1

5,357.2

486.1

165.0

1,273.2

1,924.2

739.9

137.9

117.1

255.0

2,919.2

1,870.0

67.0

-

501.1

-

2,438.1

5,357.2

174.0

2,446.4

393.1

31.5

4,598.8

65.0

715.1

608.1

1,388.2

1,221.8

10.5

777.8

788.4

3,398.4

636.2

108.6

0.0

455.7

-

1,200.4

4,598.8

574.0

139.5

208.7

2,559.1

1.7

3,483.1

40.7

9.3

484.4

534.4

271.8

-

2,328.3

2,328.3

3,134.5

26.2

13.1

-

309.3

-

348.6

3,483.1

1,073.0 391.1

93.4 28.4

387.9 250.1

75.3 855.2

44.2 105.9

1,673.8 1,630.8

0.3 14.6

398.8 75.4

497.3 268.6

896.3 358.6

125.3 782.2

3.8

47.2 58.3

47.2 62.1

1,068.8 1,202.9

49.3 214.0

36.7 30.6

20.0 21.8

266.5 134.6

232.5 26.9

605.0 427.9

1,673.8 1,630.8

451.1

303.3

754.6

203.5

10.7

67.4

78.2

1,036.3

131.4

60.4

30.3

269.5

77.3

568.8

1,605.1

-

13.5

192.8

369.5

18.8

299.8

318.6

880.9

121.6

16.1

-

110.9

5.3

253.9

1,134.8

-104.3 17.4

92.4

224.0 166.3

792.9 778.2

10

Monumental

897.4

29.6

325.5

101.8

250.7

1,605.1

0.3

11

Worldwide

242.9

90.0

438.1

345.1

18.7

1,134.8

179.3

12 13

AGRODOSA Dominicana

188.3 252.1

33.8 18.2

508.4 193.8

55.2 306.5

7.3 7.6

792.9 778.2

1.7 0.5

72.9 222.5

33.8 6.4

108.5 229.3

331.6 262.1

128.5 16.6

0.4 103.9

128.9 120.5

568.9 611.9

169.5 50.0

62.7 6.5

96.2 -

14

Angloamericana

476.6

36.0

183.5

35.4

13.7

745.1

6.1

54.5

152.5

213.2

358.5

-

25.4

25.4

597.1

30.0

10.6

-

91.9

15.5

148.1

745.1

15

Cuna Mutual

330.5

216.2

38.9

25.4

3.9

614.9

15.6

2.0

14.0

31.7

21.5

1.1

5.0

6.1

59.4

60.0

50.4

-

445.2

-

555.5

614.9

16

BANESCO

17 18

Atlantica

205.2 312.4

10.8 21.4

248.5 115.9

147.7 125.6

2.1 11.4

614.3 586.8

9.6 0.5

147.8 212.1

45.5 38.1

203.0 250.8

224.2 66.0

1.3 3.2

53.7 81.3

55.0 84.5

482.2 401.3

667.5 1,410.1

5.0 1.2

0.9

-540.3 -1,253.0

26.3

132.1 185.5

614.3 586.8

Coopseguros

270.8

31.8

115.0

84.3

5.0

506.9

7.1

82.4

10.2

99.7

42.0

0.3

16.6

16.9

158.6

253.4

24.1

11.5

54.8

4.4

348.2

506.9

19

Internacional

188.2

52.7

129.4

58.6

4.3

433.3

0.0

128.2

43.0

171.2

24.7

21.1

36.8

58.0

254.0

36.0

12.6

-

58.1

72.6

179.3

433.3

20

Confedom

21 22

BUPA

117.0 103.0

21.8 28.6

50.3 62.2

23.0 74.8

91.2 1.9

303.2 270.5

8.0 69.4

24.7 -

15.2 4.8

47.9 74.2

18.8 102.5

0.0 8.6

13.2 3.2

13.2 11.8

79.8 188.5

90.5 198.1

11.3 0.4

-

8.6 -116.5

113.0 -

223.4 82.0

303.2 270.5

APS

89.0

5.6

65.5

87.7

4.5

252.2

0.5

78.4

1.5

80.4

63.7

2.5

12.3

14.9

158.9

100.0

1.3

-

-9.0

1.0

93.3

252.2

23

Autoseguros

34.1

2.2

68.5

108.4

35.3

248.5

-

28.1

1.1

29.2

126.7

29.0

11.6

40.5

196.4

30.0

2.8

-

-2.1

21.3

52.1

248.5

24

Federal

27.7

31.4

98.6

50.2

6.8

214.6

0.0

32.9

17.1

50.0

93.4

1.7

18.7

20.4

163.7

144.8

-

-

-100.0

6.0

50.9

214.6

25 26

BMI

106.5 4.3

26.6 33.1

43.9 45.3

27.5 36.4

0.8 3.2

205.3 122.4

74.0 0.0

31.7

14.9 6.0

88.9 37.7

44.5 26.7

1.1 1.5

11.1 11.0

12.2 12.5

145.6 76.9

84.5 211.0

3.3 -

-

-28.2 -165.5

-

59.6 45.5

205.3 122.4

27

Ademi

14.5

13.6

30.5

51.5

3.5

113.7

3.7

2.4

2.1

8.2

35.0

1.3

4.8

6.1

49.2

43.7

5.6

-

15.1

-

64.4

113.7

28

Patria

0.5

34.8

2.6

66.2

4.2

108.3

0.0

0.0

-

0.0

93.2

-

-

-

93.2

200.0

-

-

-184.8

-

15.2

108.3

29 30 31

Unit

0.5 32.5 1.4 37,827.0

34.8 14.0 2.3 3,372.5

2.6 23.2 19.8 20,416.0

66.2 12.6 1.4 13,189.4

4.2 2.4 1.5 1,934.9

108.3 84.8 26.5 76,739.8

0.0 1.8 2,827.7

0.0 21.0 1.4 7,986.5

0.0 25.9 2.2 26,766.0

93.2 19.9 5.9 14,348.7

-184.8 -3.1 -7.1 6,148.3

2.3 1,510.5

15.2 30.2 17.9 23,528.1 #

108.3 84.8 26.5 76,739.8

Multiseguros

Amigo Hylseg Totales

3.1 0.8 15,951.8

5.4 3.2 0.4 1,416.5 10,680.5

8.7 0.4 12,096.9

93.2 200.0 54.5 30.0 8.5 25.0 53,211.6 12,554.2

1.0 2,990.6

324.5


PRIMAS SUSCRITAS

2019

SEGUROS DE PERSONAS

Cias de Seguros

Vida individual primer año

Universal Humano Banreservas Mapfre Colonial Sura Worldwide Scotia Seguros General Monumental Pepin Dominicana Patria Angloamericana AGRODOSA

29.5 28.4 59.0 33.3 0.3 13.6 86.8 0.1 0.1 3.0 0.0 -

37.0 18.3 2.3 0.3 0.0 -

2,641.7 289.8 1,296.3 891.6 213.8 387.3 11.5 171.6 5.8 0.9 1.2 5.0 133.0 34.7

405.9 13.1 53.0 156.5 25.7 43.5 14.5 0.9 0.5 (0.0) 0.1 (0.0) -

Atlantica Banesco Coopseguros BMI Internacional BUPA Cuna Mutual Atrio APS

0.2 0.2 0.0 -

1.2 -

4.7 22.6 162.7 14.1 312.1 1.1 6.9

12.2 0.0 0.4 0.0 0.4 (0.0)

Ademi Amigo

(0.0) -

2.4

109.1 3.0

0.0 -

0.0 0.0 254.7

1.0 62.4

0.5 6,720.9

0.1 726.7

Confedom Multiseguros SU, S.A. Autoseguros Hylseg Unit TOTALES

Vida individual Colectivo de vida renovación

Accidentes personales

Invalidez

-

SEGUROS GENERALES

dis capacidad y sobrevivencia

Salud

4,002.2 17.6 10,158.3 786.9 156.4 950.3 315.7 937.9 184.5 2,055.2 1,108.0 968.6 6.8 0.8 -

Otros seguros de personas

SUB-TOTAL

79.4 7,199.6 17.7 10,543.2 2,351.6 2,347.4 13.8 1,193.8 629.0 2,153.5 71.7 1,365.8 19.1 1,001.7 1.6 1.2 0.4 9.3 133.0 34.7

Transporte Vehículos de Incendio y líneas marítimo, motor y Agrícola y Responsabilidad Naves marítimas Naves aéreas aliadas terrestre y responsabilidad pecuario civil general aereo civil

5,201.2 200.7 3,163.8 3,065.0 2,237.1 1,998.3 132.5 94.9 146.7 4.0 14.1 3.5 44.9 -

57.0 1.3 10.4 16.0 39.9 51.3 11.8 0.6 0.7 0.2 0.0 3.8 -

9.3 59.5 3.3 10.8 16.8 65.9 5.7 (0.1) 0.3 0.9 -

324.8 2.9 80.2 54.8 130.3 147.9 2.7 9.6 19.4 0.5 3.5 0.4 -

2,248.0 391.1 2,513.9 2,583.7 1,625.5 1,518.1 206.1 966.2 979.0 449.1 615.5 377.2 566.7

Ramos técnic os

Otros seguros

Fianzas de fidelidad

Fianzas de construcción

Fianzas aduanales

Fianzas Otras Fianzas judiciales

SUB-TOTAL

TOTALES

415.3 19.2 171.3 187.6 318.0 320.7 41.4 37.1 14.6 2.6 2.1 50.3 -

15.6 317.1 208.8 140.8 152.4 0.1 10.5 5.2 10.9 0.1 5.0 -

337.8 12.0 6.0 35.8 59.8 0.6 0.1 0.1 5.3 0.1 0.2 -

132.3 8.3 110.6 88.2 71.3 73.6 2.6 3.5 0.6 0.0 0.3 4.9 -

1.9 94.1 5.5 10.3 14.8 70.8 6.8 2.3 153.4 4.8 -

0.6 0.4 2.7 0.4 0.8 0.6 0.0 2.4 2.0 -

0.6 1.4 0.4 1.8 0.1 1.4 5.8 1.2 -

52.4 0.1 24.4 20.8 18.4 25.7 1.7 6.3 3.4 58.4 72.2 13.3 -

8,778.1 642.2 6,559.1 6,242.4 4,602.9 4,357.5 192.5 510.0 1,188.3 1,025.5 702.6 705.4 500.8 566.7

15,977.7 11,185.4 8,910.7 8,589.7 5,796.7 4,986.4 2,153.5 1,558.3 1,511.6 1,189.9 1,026.6 711.9 705.4 633.8 601.3

0.7 -

-

0.4 269.5 318.4 1.0 2.5

(0.0) 123.3 -

5.2 36.2 162.7 407.9 0.0 318.4 312.1 2.5 9.4

8.6 194.5 56.6 0.0 17.6 6.2

2.0 1.5 1.3 -

1.4 2.6 -

0.1 7.3 0.4 9.1 2.3

535.3 250.2 175.3 319.1 197.5 105.4

-

2.6 11.6 3.2 0.1 9.9 8.0

0.8 17.8 4.5 1.5 1.0

0.7 0.7 0.0 0.3 0.0

0.2 5.8 8.5 5.1 0.6 0.4

0.4 5.0 3.5 14.8

0.0 0.0 24.2

0.0 0.6 -

0.5 1.0 (0.0) 0.2 35.2

550.8 491.4 254.4 319.2 5.1 244.6 197.5

556.1 527.6 417.1 407.9 319.2 318.4 317.2 247.1 206.9

-

-

0.0 70.9

-

109.1 76.2

51.1 0.3

1.0

7.6 -

2.2 -

0.2 41.0

-

2.5 -

1.5 4.8

0.8 -

0.8 0.0

1.1

1.6

4.8

0.0 -

66.7 54.7

175.9 130.9

1.5 0.0 0.1 325.4 30,406.7

41.4 10.1 16,693.2

(0.0) 2.6 201.3

1.0 185.1

1.8 52.5 4.5 0.5 61.3 10.1 70.2 5.1 800.7 16,286.2 566.7 1,632.8

8.9 1.1 908.2

0.8 0.8 0.1 461.9

2.1 0.8 520.6

0.1 389.5

1.5 37.4

0.0 18.1

112.1 6.0 96.1 70.2 5.1 0.1 340.0 39,041.8

113.6 96.1 70.2 5.1 0.1 69,448.5

0.7

0.0 0.0 3,831.4 18,480.7


Gastos Generales y Administrativos Del 1ero. De Enero al 31 de diciembre del En millones de RD$

Sueldos y compensaciones Energia, comunicaciones y otros Alquiler y mantenimiento Depreciacion y Amortizacion Servicios profesionales Intrermediarios Representacion y Viajes Demas gastos

Costos de explotacion

2019 5,941.0 402.3 807.8 758.6 600.9 837.4 217.7 2,728.0 12,293.6 17.7%

Part. 48.3% 3.3% 6.6% 6.2% 4.9% 6.8% 1.8% 22.2% 100.0%

2018 5,406.7 379.6 742.7 564.3 436.4 697.9 189.5 2,475.3 10,892.4 18.0%

Part. 49.6% 3.5% 6.8% 5.2% 4.0% 6.4% 1.7% 22.7% 100.0%

Variacion 9.9% 6.0% 8.8% 34.4% 37.7% 20.0% 14.9% 10.2% 12.9%


ESTADO DE SITUACION CONSOLIDADO Al 31 de diciembre del 2019 (En millones RD$ pesos)

ACTIVOS

PASIVOS

PATRIMONIO DE LOS ACCIONISTAS

RESERVAS DE SEGUROS Aseguradoras

1

Universal

2 3 4 5 6 7

Banreservas Mapfre Colonial Humano Sura Scotia Seguros

8 9 10 11 12 13

Pepin

14 15 16 17 18

Angloamericana

19 20 21 22 23 24

Internacional

25 26 27 28 29 30 31

BMI

General Monumental Worldwide AGRODOSA Dominicana

Cuna Mutual BANESCO Atlantica Coopseguros

Confedom BUPA APS Autoseguros Federal

Multiseguros Ademi Patria Unit Amigo Hylseg Totales

PRIMAS, CUENTAS Y INVERSION DE EFECTIVO EN DOCUMENTOS LAS RESERVAS CAJA Y BANCO POR COBRAR Y DEUDORES POR REASEGUROS

FIANZA DE PROPIEDADES, GARANTIA Y EQUIPOS Y OTRAS DEP. INVERSIONES ACUMULADA

Total de Activos

RESERVAS RESERVAS DE RESERVAS MATEMATICAS PRIMAS NO ESPECIFICAS Y TECNICAS DEVENGADAS

REASEGUROS, PAGOS TOTAL CTAS, RECIBIDOS RESERVAS DE DOCUMENTOS Y POR SEGUROS ACUMULACIONES ADELANTADO POR PAGAR

OTROS PASIVOS

Sub-Total

Total de pasivos

CAPITAL PAGADO

Reservas de Prevision

Otras Reservas libres

Beneficios Revaluación por inflaciónTOTALES Acumulados

TOTAL PASIVO Y PATRIMONIO DE LOS ACCIONISTAS

10,408.9 8,405.8

1,180.4 213.6

5,025.4 2,969.3

3,043.7 900.0

331.0 227.2

19,989.3 12,715.9

1,168.6 261.3

1,455.7 1,341.1

4,582.4 3,197.0

7,206.7 4,799.3

3,216.1 2,202.0

374.6 298.1

4,485.2 731.0

4,859.7 1,029.1

15,282.4 8,030.4

1,492.2 2,579.4

756.9 746.4

100.0

1,758.5 1,259.6

699.3 -

4,706.9 4,685.5

19,989.3 12,715.9

7,146.3 2,305.6 2,072.9 1,553.8 574.0 1,073.0

260.1 379.2 114.4 174.0 139.5 93.4

3,220.5 2,210.8 886.8 2,446.4 208.7 387.9

1,188.8 578.6 1,704.1 393.1 2,559.1 75.3

72.9 57.3 579.1 31.5 1.7 44.2

11,888.8 5,531.5 5,357.2 4,598.8 3,483.1 1,673.8

180.3 232.7 486.1 65.0 40.7 0.3

1,427.1 804.7 165.0 715.1 9.3 398.8

3,656.6 657.2 1,273.2 608.1 484.4 497.3

5,264.0 1,694.6 1,924.2 1,388.2 534.4 896.3

1,707.5 1,455.1 739.9 1,221.8 271.8 125.3

79.5 259.3 137.9 10.5 -

949.9 406.0 117.1 777.8 2,328.3 47.2

1,029.4 665.3 255.0 788.4 2,328.3 47.2

8,000.9 3,814.9 2,919.2 3,398.4 3,134.5 1,068.8

500.0 900.0 1,870.0 636.2 26.2 49.3

506.0 450.0 67.0 108.6 13.1 36.7

43.9 0.0 20.0

2,881.9 208.5 501.1 455.7 309.3 266.5

114.2 232.5

3,887.9 1,716.6 2,438.1 1,200.4 348.6 605.0

11,888.8 5,531.5 5,357.2 4,598.8 3,483.1 1,673.8

391.1 897.4 242.9 188.3 252.1 476.6

28.4 29.6 90.0 33.8 18.2 36.0

250.1 325.5 438.1 508.4 193.8 183.5

855.2 101.8 345.1 55.2 306.5 35.4

105.9 250.7 18.7 7.3 7.6 13.7

1,630.8 1,605.1 1,134.8 792.9 778.2 745.1

14.6 0.3 179.3 1.7 0.5 6.1

75.4 451.1 72.9 222.5 54.5

268.6 303.3 13.5 33.8 6.4 152.5

358.6 754.6 192.8 108.5 229.3 213.2

782.2 203.5 369.5 331.6 262.1 358.5

3.8 10.7 18.8 128.5 16.6 -

58.3 67.4 299.8 0.4 103.9 25.4

62.1 78.2 318.6 128.9 120.5 25.4

1,202.9 1,036.3 880.9 568.9 611.9 597.1

214.0 131.4 121.6 169.5 50.0 30.0

30.6 60.4 16.1 62.7 6.5 10.6

21.8 30.3 96.2 -

134.6 269.5 110.9 -104.3 17.4 91.9

26.9 77.3 5.3 92.4 15.5

427.9 568.8 253.9 224.0 166.3 148.1

1,630.8 1,605.1 1,134.8 792.9 778.2 745.1

330.5 205.2 312.4 270.8 188.2

216.2 10.8 21.4 31.8 52.7

38.9 248.5 115.9 115.0 129.4

25.4 147.7 125.6 84.3 58.6

3.9 2.1 11.4 5.0 4.3

614.9 614.3 586.8 506.9 433.3

15.6 9.6 0.5 7.1 0.0

2.0 147.8 212.1 82.4 128.2

14.0 45.5 38.1 10.2 43.0

31.7 203.0 250.8 99.7 171.2

21.5 224.2 66.0 42.0 24.7

1.1 1.3 3.2 0.3 21.1

5.0 53.7 81.3 16.6 36.8

6.1 55.0 84.5 16.9 58.0

59.4 482.2 401.3 158.6 254.0

60.0 667.5 1,410.1 253.4 36.0

50.4 5.0 1.2 24.1 12.6

0.9 11.5 -

445.2 -540.3 -1,253.0 54.8 58.1

26.3 4.4 72.6

555.5 132.1 185.5 348.2 179.3

614.9 614.3 586.8 506.9 433.3

117.0 103.0 89.0 34.1 27.7 106.5

21.8 28.6 5.6 2.2 31.4 26.6

50.3 62.2 65.5 68.5 98.6 43.9

23.0 74.8 87.7 108.4 50.2 27.5

91.2 1.9 4.5 35.3 6.8 0.8

303.2 270.5 252.2 248.5 214.6 205.3

8.0 69.4 0.5 0.0 74.0

24.7 78.4 28.1 32.9 -

15.2 4.8 1.5 1.1 17.1 14.9

47.9 74.2 80.4 29.2 50.0 88.9

18.8 102.5 63.7 126.7 93.4 44.5

0.0 8.6 2.5 29.0 1.7 1.1

13.2 3.2 12.3 11.6 18.7 11.1

13.2 11.8 14.9 40.5 20.4 12.2

79.8 188.5 158.9 196.4 163.7 145.6

90.5 198.1 100.0 30.0 144.8 84.5

11.3 0.4 1.3 2.8 3.3

-

8.6 -116.5 -9.0 -2.1 -100.0 -28.2

113.0 1.0 21.3 6.0 -

223.4 82.0 93.3 52.1 50.9 59.6

303.2 270.5 252.2 248.5 214.6 205.3

4.3 14.5 0.5 0.5 32.5 1.4 37,827.0

33.1 13.6 34.8 34.8 14.0 2.3 3,372.5

45.3 30.5 2.6 2.6 23.2 19.8 20,416.0

36.4 51.5 66.2 66.2 12.6 1.4 13,189.4

3.2 3.5 4.2 4.2 2.4 1.5 1,934.9

122.4 113.7 108.3 108.3 84.8 26.5 76,739.8

0.0 3.7 0.0 0.0 1.8 2,827.7

31.7 2.4 0.0 0.0 21.0 1.4 7,986.5

6.0 2.1 3.1 0.8 15,951.8

37.7 8.2 0.0 0.0 25.9 2.2 26,766.0

26.7 35.0 93.2 93.2 19.9 5.9 14,348.7

1.5 11.0 1.3 4.8 5.4 3.2 0.4 1,416.5 10,680.5

12.5 6.1 8.7 0.4 12,096.9

76.9 211.0 49.2 43.7 93.2 200.0 93.2 200.0 54.5 30.0 8.5 25.0 53,211.6 12,554.2

5.6 1.0 2,990.6

-165.5 15.1 -184.8 -184.8 -3.1 -7.1 6,148.3

2.3 1,510.5

45.5 64.4 15.2 15.2 30.2 17.9 23,528.1 #

122.4 113.7 108.3 108.3 84.8 26.5 76,739.8

324.5


Mercado Asegurador ESTADO DE RESULTADO TECNICOS

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

2018

TOTAL GENERAL

INGRESOS

INDIVIDUAL

COLECT IVO

AP Y SALUD

TOTAL VIDA

INCENDIO Y ALIADOS

NAVES MARIT IMAS Y AREAS

T RANSPORT E DE CARGA

VEHICULOS DE MOT OR

FIANZAS

OT ROS SEGUROS

TOT AL SEGUROS GENERALES

60,503.1 13.6

Primas suscritas Reaseguros aceptados

69,459.7 11.6

317.1 -

10,882.2 0.0

19,207.4 -

30,406.8 0.0

16,693.4 7.2

386.4 0.0

800.7 0.6

16,293.8 1.2

1,308.7 1.3

3,569.9 1.3

39,052.9 11.6

60,516.7

TOTAL DE INGRESOS

69,471.3

317.1

10,882.2

19,207.4

30,406.8

16,700.6

386.4

801.3

16,295.0

1,310.0

3,571.2

39,064.6

Aumento (disminucion) de las reservas de seguros

7,132.5 25,130.5 986.3

74.4 72.0 82.8 99.5

1,990.9 641.5 3,561.1 120.4

3,000.1 2,418.4 11,463.8 229.4

5,065.4 3,132.0 15,107.7 449.3

11,961.9 1,051.2 631.2 66.4

1,130.6 17.2 18.9 (0.4)

393.9 84.2 123.1 2.2

803.8 2,398.5 8,598.5 434.0

430.3 168.3 210.3 24.5

2,060.4 281.1 440.9 10.4

16,780.8 4,000.5 10,022.8 537.0

Total costos de los Negocios de Seguros y Reaseguros

55,095.5

328.8

6,313.9

17,111.7

23,754.4

13,710.7

1,166.2

603.3

12,234.8

833.4

2,792.8

31,341.1

14,375.9 20.7%

(11.7) -3.7%

4,568.3 42.0%

2,095.7 10.9%

6,652.4 21.9%

2,989.9 17.9%

(779.8) -201.8%

198.0 24.7%

4,060.3 24.9%

476.6 36.4%

778.5 21.8%

7,723.5 19.8%

COSTO DE OPERACIONES

19,075.4 6,159.4 21,868.4 905.4 48,008.5

Costo de los Negocios de Seguros y Reaseguros : Costo de Reaseguros Neto 21,846.2 Comisiones y otros costos de Adquisición Siniestros y otras prestaciones incurridas, Netos

12,508.2 RESULTADOS TECNICOS antes de gastos 20.7% Margen Tecnico 10,894.4 Gastos Generales y Administrativos 1,613.8 RESULTADOS TECNICOS Despues 2.67% 5,032.5 Intereses sobre Inversiones y Otros (1,698.2) Costos del dinero y otros gastos 3,334.3 Resultados Financieros

Administrativos

y Administrativos

12,304.0 2,071.9 2.98% 6,055.2 (1,815.0) 4,240.2

4,948.1 959.9

Beneficios (pérdidas) del período Impuesto sobre la renta

6,312.1 1,349.7

3,988.3

Beneficios (pérdidas) después del impuesto sobre la renta

4,962.3

71.1% TOTAL 96.9% REASEGUROS 56.5% NETO

55.5% 52.8% 55.6%

53.3% 34.2% 68.1%

43.1% 47.8% 41.9%

72.4% 67.1% 73.5%

61.7% 59.0% 62.4%

47.0% 53.7% 19.0%

27.2% 7.2% -2.4%

39.3% 37.8% 41.7%

56.5% 34.6% 57.9%

18.2% 5.1% 29.8%

56.8% 87.9% -2.6%

50.5% 50.8% 47.4%

10.4% COSTO DE ADQUISICION

10.6%

33.4%

6.0%

12.8%

10.5%

6.7%

4.5%

10.6%

15.2%

12.7%

8.0%

10.6%

18.0% COSTO DE EXPLOTACION

17.7%

14.0% COMPENSACION A LOS GASTOS

13.2%

22.9%

12.1%

11.5%

11.9%

11.7%

4.0%

22.0%

21.0%

24.0%

20.2%

13.6%


Resultados Tecnicos, Netos POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DICIEMBRE DEL 2019 En Millones de RD$

Primas Suscritas Universal

15,977.7

Humano

Primas Cedidas

Siniestros

Primas incurridos, retenidas Netos

Resultados Comisiones Costos de Aumento Resultados Margen Gastos Grales y Siniestralidad Costo de T ecnicos despues Incurridas, Exceso de (Disminucion Total Costos T ecnicos, antes T ecnico Administrativos , Neta (1) Adquisicion (2) de gastos Netas Perdida de Rvas) de Gastos 503.6

64.4%

6.2%

8.3%

15.4%

71.3%

1,388.9

(101.1)

72.4%

13.5%

5.8%

12.4%

96.1%

1,467.2

538.2

56.0%

5.3%

7.8%

16.5%

65.2%

1,710.3

973.2

43.7%

5.1%

11.9%

19.9%

72.5%

1,023.4

131.7

30.5%

8.7%

8.7%

17.7%

58.0%

681.1

141.7

50.7%

9.6%

7.2%

13.7%

48.5%

136.0

(39.4)

8.9%

23.1%

0.0%

6.3%

8.8%

14,375.9 29.8%

12,304.0

6,630.7

702.8

941.7

147.9

8,423.1

2,964.6

435.6

10,749.8

7,189.2

1,449.5

628.3

195.0

9,462.0

1,287.8

8,910.7

3,101.3

5,809.5

2,943.1

305.7

455.4

99.9

3,804.1

2,005.3

Mapf re

8,589.7

2,362.9

6,226.8

2,335.0

319.9

742.2

146.3

3,543.3

2,683.5

Colonial

5,796.7

2,437.1

3,359.6

1,652.6

220.4

290.9

40.5

2,204.4

1,155.2

Sura

4,986.4

2,565.8

2,420.6

1,087.0

232.1

174.3

104.4

1,597.8

822.8

Worldw ide

2,153.5

1,963.3

190.3

13.8

43.9

0.0

35.9

93.6

96.6

Scotia Seguros

1,558.3

1,226.2

332.1

316.1

(19.6)

51.0

(18.0)

329.5

2.6

General

1,511.6

996.2

515.4

202.1

(148.6)

87.7

(3.3)

137.8

377.6

Monumental

1,189.9

79.2

1,110.7

476.0

191.5

30.3

31.9

729.7

380.9

Pepin

1,026.6

25.2

1,001.5

386.9

143.3

1.5

15.2

547.0

454.5

Dominicana

711.9

106.5

605.4

129.8

142.3

42.6

32.7

347.5

258.0

Patria

705.4

0.6

704.8

201.2

104.5

7.5

49.2

362.4

342.4

Angloamericana

644.2

295.7

348.5

132.4

(4.7)

89.3

18.1

235.2

113.3

AGRODOSA

601.3

384.4

217.0

108.4

(91.0)

0.0

(25.8)

(8.4)

225.4

Atlantica

556.1

(0.5)

556.6

306.8

83.0

22.1

14.2

426.1

130.5

BANESCO (SDS)

527.6

56.2

471.5

135.5

65.4

70.6

40.3

311.7

159.7

Coopseguros

417.1

12.5

404.6

118.7

58.1

58.7

14.6

250.1

154.5

BMI

407.9

105.3

302.6

138.7

80.8

0.0

17.9

237.4

65.2

Internacional

319.2

0.0

319.2

188.7

52.0

0.0

8.8

249.5

69.7

BUPA

318.4

143.3

175.1

91.4

7.4

1.6

9.3

109.8

65.3

Cuna Mutual

317.2

0.0

317.2

153.8

0.0

0.0

2.3

156.2

161.0

Federal

248.4

148.8

99.5

57.1

(12.5)

17.1

(18.3)

43.4

56.1

APS

206.9

(0.0)

206.9

33.8

40.8

0.0

14.4

89.0

117.9

Ademi

175.9

96.9

79.0

19.8

(18.0)

3.8

1.5

7.0

71.9

Amigo

130.9

0.0

130.9

16.9

10.0

59.2

(10.5)

75.7

55.2

Conf edom

1.0

5.7

(3.6)

38.2

20.8

113.6

54.5

59.0

35.1

Multiseguros Mehr, S.A.

96.1

16.6

79.5

23.5

8.9

8.7

18.3

59.4

20.1

Autoseguros

70.2

0.0

70.2

4.0

12.2

0.0

2.4

18.6

51.5

MIDAS

11.2

0.6

10.6

1.4

0.8

0.9

3.2

6.3

4.3

Hylseg

5.1

0.7

4.5

0.8

0.0

0.9

1.4

3.1

1.3

Unit

0.1

0.0

0.1

0.1

0.0

0.0

0.0

0.1

0.0

21,204.7 48 ,266.6

25,130.5

3,982.0 3,791.9

986.3 33, 890.7

Primas retenidas

2,461.0

11,387.7

11,185.4

69,471.3

Gastos Generales y Administrativos

26.0% 12.0% 34.5% 43.1% 34.4% 34.0% 50.8% 0.8% 73.3% 34.3% 45.4% 42.6% 48.6% 32.5% 103.9% 23.4% 33.9% 38.2% 21.5% 21.8% 37.3% 50.8% 56.4% 57.0% 91.1% 42.2% 35.3% 25.3% 73.5% 40.3% 29.6% 28.5%

4,590.0

Banreservas

To ta les

Costos de Exceso de Perdida

92.6

(90.0)

105.7%

-5.9%

15.4%

5.9%

21.3%

284.5

93.1

46.9%

-28.8%

17.0%

18.8%

34.1%

289.7

91.3

45.4%

17.2%

2.7%

24.3%

93.3%

423.7

30.8

39.3%

14.3%

0.2%

41.3%

97.5%

234.0

23.9

24.5%

23.5%

7.0%

32.9%

85.0%

294.9

47.5

31.0%

14.8%

1.1%

41.8%

99.9%

131.1

(17.9)

54.9%

-1.3%

25.6%

20.4%

54.1%

170.9

54.5

44.6%

-42.0%

0.0%

28.4%

36.1%

277.3

(146.9)

59.0%

14.9%

4.0%

49.9%

100.1%

177.8

(18.1)

37.6%

13.9%

15.0%

33.7%

89.4%

133.2

21.3

35.8%

14.4%

14.5%

31.9%

97.0%

49.4

15.8

48.7%

26.7%

0.0%

12.1%

74.2%

55.8

13.9

60.8%

16.3%

0.0%

17.5%

100.0%

40.6

24.7

55.7%

4.2%

0.9%

12.8%

55.0% 100.0%

85.9

75.1

48.9%

0.0%

0.0%

27.1%

101.1

(45.0)

56.7%

-12.5%

17.1%

40.7%

40.1%

118.7

(0.8)

17.6%

19.7%

0.0%

57.4%

100.0%

52.4

19.6

26.8%

-22.8%

4.8%

29.8%

44.9%

41.8

13.5

20.6%

7.7%

45.2%

31.9%

100.0%

38.6

(17.8)

61.6%

1.7%

9.7%

34.0%

52.0%

101.0

(80.9)

44.7%

11.2%

11.0%

105.1%

82.7%

45.8

5.8

5.9%

17.4%

0.0%

65.2%

100.0%

10.3

(6.1)

22.0%

7.8%

8.5%

92.3%

94.7%

7.4

(6.1)

37.3%

0.7%

19.2%

145.2%

87.0%

177.3

(177.3)

62.3%

0.0%

0.0%

166869.4%

100.0%

2,071.9

57.8%

8.3%

7.9%

17.7%

69.5%


Incendio y Aliados POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$

Aseguradoras 1 Universal 2 Banreservas 3 Mapfre 4 Colonial 5 Sura 6 Humano 7 BANESCO 8 Monumental 9 Scotia Seguros 10 General 11 Coopseguros 12 Angloamericana 13 Ademi 14 Confedom 15 Federal 16 Dominicana 17 Multiseguros SU 18 Atlantica 19 APS 20 Pepin 21 Patria 22 Amigo 23 MIDAS Totales

TOTAL DE INGRESOS PRIMAS

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

5,201.2 31.1% 3,199.7 3,163.8 18.9% 2,412.7 3,065.0 18.4% 2,267.0 2,237.1 13.4% 1,754.2 1,998.3 12.0% 1,663.4 200.7 164.7 1.2% 194.5 1.2% 62.0 146.7 0.9% 46.4 132.5 0.8% 119.0 94.9 0.6% 86.7 56.6 0.3% 33.9 52.0 28.1 0.3% 51.1 38.9 0.3% 41.4 0.2% 30.8 17.6 0.1% 15.5 14.1 0.1% 26.2 10.1 0.1% 8.2 8.6 0.1% 2.6 6.2 0.0% 4.0 1.8 0.0% 3.5 0.0 0.0% 0.3 0.0% 0.2 0.2 0.0% 16,700.6 100.0% 11,961.9

310.6 228.4 141.7 138.2 133.9 13.7 22.0 20.9 8.7 9.6 4.8 5.7 1.8 3.7 1.9 2.0 1.0 0.8 1.1 0.4 0.4 0.0 0.0 1,051.2

163.8 164.4 214.3 38.4 15.3 9.0 4.3 (0.2) 0.2 12.2 1.0 (2.4) 0.0 0.0 0.3 7.3 (0.6) 3.8 0.2 (0.2) 0.0 631.2

Total Costos

39.0 3,713.2 21.9 2,827.3 41.3 2,664.3 -44.2 1,886.7 3.6 1,816.2 4.4 191.9 25.8 114.1 11.4 78.5 -28.0 99.9 -5.8 102.7 2.7 42.3 -0.3 31.1 0.6 41.4 -0.2 34.4 -1.9 15.8 -6.4 29.0 0.3 8.8 2.2 9.4 -1.2 0.1 0.3 2.3 0.6 1.1 0.1 0.1 0.0 66.4 13,710.5

Total

Margen Tecnico

1,488.1 336.5 400.7 350.4 182.1 8.8 80.4 68.3 32.6 (7.8) 14.3 20.9 9.7 7.1 1.8 (14.9) 1.3 (0.8) 6.1 1.7 2.4 0.2

28.6% 10.6% 13.1% 15.7% 9.1% 4.4% 41.3% 46.5% 24.6% -8.2% 25.3% 40.1% 19.0% 17.1% 10.5% -106.3% 13.0% -9.3% 98.5% 43.7% 69.5% 53.2%

2,989.9

17.9%

REASEGUR OS

COST O DE A DQUISICIO N

Neta

103.8% 148.9% 19.6% 16.1% 7.5% 0.0% 33.1% 36.3% 22.8% 23.0% 0.0% 0.0% 3.4% 2.1% -0.2% 0.0% 0.9% 1.1% 88.3% 84.1% 1.8% 0.0% 19.2% 38.2% 3.1% 3.1% 5.5% 5.8% 1.7% 0.0% 59.0% 1.4% -17.4% -10.5% 51.6% -0.4% 2.8% #DIV/0! 15.5% 31.1% 0.0% 0.0% 1.6% 0.0% 0.0% 0.0% 47.0% 53.7%

10.1% 41.6% 34.3% 13.1% 19.0% 0.0% 4.7% -0.3% 0.5% 130.3% 4.9% -13.9% 3.1% 1.0% 8.6% -109.6% 492.3% 99.7% 2.8% -15.2% 0.0% 1.6% 0.0% 19.0%

6.2% 7.9% 5.0% 6.4% 7.1% 0.0% 12.1% 14.9% 6.6% 9.3% 8.9% 12.1% 3.9% 9.0% 10.9% 15.3% 10.9% 10.3% 14.8% 8.4% 12.2% 9.3% 4.5% 6.7%

Vehiculos de Motor POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$

Aseguradoras 1 Mapfre 2 Banreservas 3 Universal 4 Colonial 5 Sura 6 Pepin 7 Monumental 8 Patria 9 Atlantica 10 Dominicana 11 Humano 12 Angloamericana 13 Internacional 14 BANESCO 15 General 16 Federal 17 Coopseguros 18 APS 19 Autoseguros 20 Multiseguros SU 21 Confedom 22 Amigo 23 MIDAS 24 Hylseg 25 Ademi Totales

TOTAL DE INGRESOS PRIMAS 2,583.7 2,513.9 2,248.0 1,625.5 1,518.1 979.0 966.2 615.5 535.3 449.1 391.1 377.2 319.1 250.2 206.1 198.8 175.3 105.4 70.2 61.3 52.5 41.0 7.6 5.1 0.2

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

Total Costos 1,904.2 2,192.5 1,701.1 1,217.9 1,126.1 542.0 674.5 341.3 411.0 304.0 400.3 336.2 249.7 193.9 161.3 151.0 125.7 65.6 18.6 45.8 43.0 19.2

REASEGUR OS

Margen Tecnico

Total

26.3% 12.8% 24.3% 25.1% 25.8% 44.6% 30.2% 44.6% 23.2% 32.3% -2.4% 10.9% 21.8% 22.5% 21.7% 24.0% 28.3% 37.8% 73.5% 26.5% 18.1% 53.2% 100.0% 25.8% 59.9%

58.9% 0.8% 71.6% 10.0% 60.4% 22.7% 53.0% 9.5% 54.3% -0.5% 38.7% 23.8% 46.0% 0.0% 34.1% 0.0% 60.1% 65.2% 29.7% 1.3% 0.0% 0.0% 73.6% 64.7% 60.8% #DIV/0! 48.8% 1.1% 48.3% 37.6% 64.7% 67.4% 47.4% -2.1% 34.4% #DIV/0! 5.9% 0.0% 39.5% 0.0% 59.1% 15.9% 40.0% 0.0% 31.4% 0.0% 26.3% 0.0% 22.3% #DIV/0!

25.0%

15.9% 15.4% 13.8% 10.0% 9.3% 6.0% 5.9% 3.8% 3.3% 2.8% 2.4% 2.3% 2.0% 1.5% 1.3% 1.2% 1.1% 0.6% 0.4% 0.4% 0.3% 0.3% 0.0% 0.0% 0.0%

87.3 1.5 37.3 89.6 24.5 10.5 58.7 6.6 4.6 59.3 3.9 219.4 32.9 57.6 80.7 13.2 5.3 6.2 2.1 1.1 1.5 -

266.2 399.3 314.2 256.5 245.6 145.6 160.5 96.7 92.4 89.1 48.6 34.1 52.0 42.0 39.9 34.5 24.4 19.2 12.2 7.8 7.9 8.9 0.8 0.0 0.0

1,469.2 1,821.9 1,346.0 833.5 790.9 369.2 435.5 195.0 302.4 119.2 232.4 71.6 188.7 118.2 65.4 52.2 78.9 30.9 4.0 18.6 31.6 21.1 1.4 0.8 0.0

81.6 -30.2 3.6 38.4 65.1 16.7 19.9 43.0 11.7 36.4 115.4 11.1 9.0 0.8 -1.5 -16.4 9.2 15.4 2.4 14.1 -2.6 -13.0 2.6 1.4 0.0

3.8 0.1

679.4 321.4 546.8 407.5 392.0 437.0 291.6 274.2 124.3 145.1 (9.2) 41.0 69.4 56.2 44.8 47.8 49.6 39.8 51.5 15.5 9.5 21.8 7.6 1.3 0.1

16,295.0 100.0%

803.8

2,398.5

8,598.5

434.0 12,228.8

4,066.3

56.5%

34.6%

Neta

COSTO DE ADQUISICION

60.9% 71.7% 61.1% 56.0% 55.4% 38.9% 49.1% 34.5% 59.6% 34.0% 0.0% 107.1% 60.8% 54.6% 58.8% 61.3% 51.6% 34.4% 5.9% 44.7% 64.6% 40.8% 36.8% 37.3% 22.3%

10.7% 15.7% 14.0% 16.1% 16.9% 15.1% 17.0% 16.9% 16.4% 22.1% 0.0% 10.8% 16.8% 17.3% 18.1% 17.6% 14.7% 21.4% 18.0% 16.5% 14.3% 16.8% 18.5% 1.1% 10.8%

57.9%

15.2%


Colectivo POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Universal 2 Banreservas 3 Mapfre 4 Scotia Seguros 5 General 6 Sura 7 Humano 8 Cuna Mutual 9 Colonial 10 Coopseguros 11 BMI 12 Angloamericana 13 Ademi 14 AGRODOSA 15 BANESCO 16 Worldwide 17 APS 18 Dominicana 19 Atlantica 20 Amigo 21 Pepin 22 Federal 23 Monumental 24 Confedom Totales

TOTAL DE INGRESOS

Participacio n

2,725.1 2,083.2 1,841.9 1,351.3 993.5 387.3 325.1 312.1 227.6 162.7 138.0 133.0 109.1 34.7 22.6 11.5 6.9 5.4 4.6 3.0 1.2 1.1 0.9 0.5

25.0% 19.1% 16.9% 12.4% 9.1% 3.6% 3.0% 2.9% 2.1% 1.5% 1.3% 1.2% 1.0% 0.3% 0.2% 0.1% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

10,882.2 100.0%

Costo de Comisiones y Siniestros Reaseguros otros costos de incurridos, Neto Adquisición Netos

Variacion reservas de Primas

Total Costos

Margen Tecnico

Total

NETA

REASEGUROS

COSTO DE ADQUISICION

48.7 (47.0) 7.1 1,054.9 615.4 49.0 95.5 5.3 21.0 92.8 10.1 26.5 1.8 8.0 0.5 0.6 0.3 0.0

68.2 127.9 45.9 16.0 1.3 160.3 119.9 17.8 27.7 27.3 13.9 2.1 10.2 0.8 1.0 0.3 0.5 0.1 0.1 0.2 0.1 0.0

1,452.2 760.8 516.2 319.0 118.0 74.9 41.0 153.3 30.6 34.3 5.4 7.6 19.6 16.9 7.6 0.2 0.2 0.2 0.1 0.8 1.1 0.1 0.4

3.7 75.3 10.4 7.7 -0.1 1.7 3.9 2.1 8.2 0.8 0.4 4.5 0.5 -0.1 2.6 -1.1 0.1 0.3 -0.5 0.1 0.1 -0.0 -0.0 -0.0

1,572.8 917.0 579.6 1,397.6 734.7 285.9 260.3 155.4 61.8 83.8 125.9 36.2 48.8 16.8 22.1 7.9 1.1 0.7 0.2 0.3 1.5 1.8 0.5 0.5

1,152.3 1,166.2 1,262.3 (46.3) 258.9 101.4 64.8 156.7 165.8 79.0 12.1 96.8 60.3 17.9 0.4 3.6 5.8 4.7 4.5 2.7 (0.3) (0.7) 0.4 0.0

42.3% 56.0% 68.5% -3.4% 26.1% 26.2% 19.9% 50.2% 72.9% 48.5% 8.8% 72.8% 55.3% 51.7% 1.9% 31.2% 84.1% 86.4% 95.9% 91.1% -25.1% -63.5% 48.3% 3.6%

53.7% 40.0% 28.2% 55.3% 59.5% 33.9% 25.2% 49.5% 14.3% 15.8% 4.5% 19.4% 41.4% 48.5% 38.0% 15.1% 0.0% 0.0% 0.0% 3.9% 369.9% 97.0% 9.4% 87.5%

11.8% -180.6% 0.0% 38.4% 62.5% 67.1% 42.0% #DIV/0! 6.4% -42.1% 0.9% 176.2% 68.5% #DIV/0! 3.1% 15.4% 0.0% 0.0% 0.0% #DIV/0! 603.8% 0.0% 0.0% 0.0%

54.7% 37.3% 28.3% 127.4% 49.8% 24.8% 18.2% 49.5% 14.9% 24.4% 12.3% 6.4% 27.4% 48.5% 41.9% 11.8% 0.0% 0.0% 0.0% 3.9% 146.2% 199.8% 13.4% 92.4%

2.5% 6.3% 2.5% 1.2% 0.1% 41.6% 37.5% 0.0% 8.1% 17.1% 19.9% 10.9% 2.0% #DIV/0! 50.9% 6.6% 14.7% 5.5% 0.0% 3.4% 8.9% 14.3% 13.5% 4.2%

1,990.9

641.5

3,560.5

120.4

6,313.3

4,569.0

42.0%

43.1%

47.8%

41.9%

6.0%

Salud POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Humano 2 Universal 3 Worldwide 4 Colonial 5 Mapfre 6 BUPA 7 BMI 8 Sura 9 Banreservas 10 Amigo 11 Scotia Seguros 12 BANESCO (SDS) 13 General 14 APS 15 Federal 16 Dominicana 17 Monumental 18 Atlantica 19 Confedom 20 Ademi 21 Multiseguros SU 22 Unit 23 MIDAS 24 25 26 27

Internacional Constitucion Angloamericana Pepin Totales

Costo de Comisiones y Siniestros Variacion TOTAL DE Participacio Reaseguros otros costos de incurridos, reservas de n INGRESOS Neto Adquisición Netos Primas 10,171.4 4,408.0 2,055.2 963.6 472.2 318.4 270.0 228.0 209.4 70.9 14.5 12.2 7.6 2.5 1.4 0.9 0.5 0.4 0.1 0.0 0.0 0.0 0.0 0.0 (0.0) (0.0) 19,207.4

53.0% 22.9% 10.7% 5.0% 2.5% 1.7% 1.4% 1.2% 1.1% 0.4% 0.1% 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% 0.0% 0.0% 0.0% 100.0%

726.6 56.3 1,635.1 71.1 154.4 94.7 11.4 73.8 104.5 57.1 12.2 0.2 0.2 0.7 (0.0) 0.3 0.0 1.3 0.0 (0.0) 3,000.1

1,282.0 447.6 321.3 150.9 35.0 57.6 54.6 42.3 20.8 0.1 1.1 3.5 0.2 0.4 0.3 0.3 0.1 0.5 0.0 0.0 0.0 0.0 0.0 2,418.4

6,894.9 3,462.8 13.6 697.1 67.6 91.4 133.3 71.0 32.3 (3.8) 0.7 0.2 0.0 0.2 (0.2) 2.2 11,461.1

Total Costos

68.3 8,971.8 90.2 4,056.9 -11.7 1,958.4 30.3 949.4 0.5 257.4 9.3 253.0 17.5 216.8 18.5 205.5 7.0 164.6 -2.0 55.2 -0.3 9.3 1.7 6.0 0.1 0.8 0.1 0.4 0.0 1.0 0.0 0.3 0.0 0.1 0.8 1.6 -0.0 0.1 0.0 0.1 -0.0 1.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -1.1 1.2 -0.0 (0.0) 230.4 17,110.0

Margen Tecnico

1,199.6 11.8% 351.1 8.0% 96.8 4.7% 14.3 1.5% 214.8 45.5% 65.3 20.5% 53.1 19.7% 22.5 9.9% 44.8 21.4% 15.8 22.2% 5.2 35.6% 6.3 51.2% 6.9 90.0% 2.1 83.3% 0.4 27.8% 0.6 64.7% 0.4 81.6% -1.2 -312.2% -0.1 -135.5% -0.0 -23.9% -1.2 -2971.5% 0.0 95.0% 0.0 60.0% 0.0 94.9% 0.0 #DIV/0! -1.2 1218525.0% -0.0 48.3% 2,097.4 10.9%

Total 71.6% 81.1% 75.5% 78.8% 21.1% 60.1% 76.3% 72.2% 34.9% 0.0% 3.8% 6.3% 2.7% 0.0% 26.3% 1.6% 0.0% 9.0% 0.0% 48.9% 62.3% 0.0% 0.0% 0.0% 0.0% 205.7% 0.0% 72.4%

REASEGUROS

47.1% 64.2% 80.3% 49.2% 19.3% 65.4% 719.1% 87.8% 34.4% 0.0% 35.7% 0.0% 0.0% #DIV/0! 0.0% 0.0% #DIV/0! 0.0% 43.1% #DIV/0! #DIV/0! #DIV/0! 0.0% #DIV/0! 0.0% -119.0% 0.0% 67.1%

NETO 73.5% 81.3% 9.6% 81.5% 22.1% 55.7% 55.3% 60.3% 35.5% 0.0% -174.1% 6.4% 2.8% 0.0% 37.3% 1.6% 0.0% -51.7% 49.8% 48.9% 62.3% 0.0% 0.0% 0.0% 0.0% 209.7% 0.0% 73.5%

COSTO DE ADQUISICION

12.7% 10.4% 15.5% 16.2% 7.5% 19.1% 21.9% 20.4% 10.1% 0.1% 8.0% 32.8% 2.7% 14.5% 1.1% 33.2% 15.2% 22.4% 16.9% 0.0% 0.0% 0.0% 0.0% 0.1% 0.0% 4.2% 0.0% 12.8%


Individual POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Worldwide

Costo de Comisiones y Siniestros Variacion TOTAL DE Participacio Reaseguros otros costos de incurridos, reservas de n INGRESOS Neto Adquisición Netos Primas 86.8 27.4% 66.5 21.0% 59.0 18.6% 46.7 14.7% 33.3 10.5% 13.6 4.3% 3.0 1.0% 2.5 0.8% 2.4 0.7% 1.5 0.5% 1.0 0.3% 0.5 0.2% 0.2 0.1% 0.1 0.0% 0.0 0.0% 0.0 0.0% 0.0 0.0% 317.1 100.0%

2 Universal 3 Banreservas 4 Humano 5 Mapfre 6 Sura 7 Dominicana 8 Colonial 9 Amigo 10 BANESCO (SDS) 11 Confedom 12 General 13 Atlantica 14 Monumental 15 Angloamericana 16 Unit 17 Federal Totales

27.6 14.9 16.8 9.6 0.3 2.8 0.8 0.5 1.0 0.1 0.0 0.0 74.4

14.3 7.9 1.5 12.1 2.3 2.2 0.9 0.1 0.2 0.1 0.0 0.1 0.0 0.0 30.2 0.0 72.0

16.3 6.6 5.6 5.3 0.9 0.3 1.8 0.8 1.8 0.0 44.5 83.8

48.7 12.6 37.4 -0.5 1.4 1.4 -0.1 -0.9 0.8 0.1 -0.5 0.0 -0.8 -0.1 0.0 0.0 -0.0 99.5

Total Costos 90.6 51.8 62.2 26.7 9.3 7.4 1.1 1.8 1.8 0.7 2.4 0.3 (0.8) (0.1) 74.7 0.0 0.0 329.8 -

Margen Tecnico

(3.8) -4.4% 14.7 22.1% (3.2) -5.4% 19.9 42.7% 24.0 72.2% 6.2 45.8% 1.9 63.7% 0.7 29.4% 0.6 24.3% 0.7 51.4% (1.4) -147.5% 0.2 47.0% 1.0 480.9% 0.2 202.5% (74.7) -159196.3% 0.0 80.7% 0.0 62.9% 12.7 -4.0%

Total

REASEGUROS

67.4% 30.3% 64.3% 12.5% 16.7% 7.6% 8.8% 54.9% 52.6% 0.0% 127.8% 0.0% 0.0% 0.0% 98580.1% 0.0% 0.0% 53.3%

NETO

93.0% 0.0% 0.0% 54.3% 22.7% -90.4% 3.5% 14.9% 0.0% 16.8% 0.0% 10.0% #DIV/0! 8.8% 0.0% 73.6% #DIV/0! 52.6% 0.0% 0.0% 1.1% 424.8% 0.0% 0.0% 0.0% 0.0% #DIV/0! 0.0% 0.0% 292504.8% #DIV/0! 0.0% 0.0% 0.0% 34.2% 68.1%

COSTO DE ADQUISICION

37.5% 14.7% 7.6% 25.5% 7.1% 18.4% 28.7% 4.4% 10.8% 7.6% 3.1% 25.6% 0.0% 5.6% ####### 0.0% 18.9% 33.4%

Transporte POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Universal 2 Sura 3 Colonial 4 Banreservas 5 Mapfre 6 Pepin 7 Monumental 8 Federal 9 BANESCO (SDS) 10 Patria 11 Humano 12 General 13 APS 14 Ademi 15 Confedom 16 Angloamericana 17 Dominicana 18 Multiseguros SU 19 Coopseguros 20 Atlantica Totales

Costo de Comisiones y Siniestros Variacion TOTAL DE Participacio Reaseguros otros costos de incurridos, reservas de n INGRESOS Neto Adquisición Netos Primas 324.8 147.9 130.3 80.2 54.8 19.4 9.6 9.1 7.3 3.5 2.9 2.7 2.3 2.2 1.8 1.0 0.5 0.5 0.4 0.1

Total Costos

Margen Tecnico

40.5% 18.5% 16.3% 10.0% 6.8% 2.4% 1.2% 1.1% 0.9% 0.4% 0.4% 0.3% 0.3% 0.3% 0.2% 0.1% 0.1% 0.1% 0.1% 0.0%

133.2 88.4 75.0 45.7 30.8 6.3 0.8 8.0 0.6 0.0 1.1 0.2 1.8 0.6 0.3 0.2 0.1 0.7

29.9 19.4 12.6 9.3 6.5 2.1 1.1 0.1 0.9 0.5 0.3 0.4 0.2 0.1 0.2 0.2 0.1 0.1 0.1 0.0

69.4 13.3 9.2 4.3 6.4 13.0 3.9 (0.1) 1.9 0.0 0.4 0.7 (0.0) 0.5 0.1 0.1 0.0 -

0.4 0.5 1.6 -0.1 -0.1 0.2 -0.2 0.2 0.9 0.0 0.2 -0.1 -1.2 -0.0 -0.0 0.0 0.0 0.0 0.0 -0.2

233.0 121.5 98.4 59.1 43.6 21.6 5.6 8.1 4.3 0.6 2.1 1.2 (1.0) 1.9 1.3 0.6 0.2 0.3 0.2 0.6

91.8 26.3 32.0 21.0 11.2 (2.2) 4.0 0.9 3.0 2.9 0.8 1.5 3.4 0.3 0.5 0.4 0.3 0.2 0.2 (0.5)

28.3% 17.8% 24.5% 26.3% 20.5% -11.5% 41.6% 10.1% 40.7% 82.3% 27.4% 55.1% 142.8% 13.2% 27.4% 38.0% 57.3% 42.2% 53.9% -507.3%

801.3 100.0%

393.9

84.2

123.1

2.2

603.3

198.0

24.7%

Total

REASEGUROS

48.2% 55.7% 39.0% 37.9% 26.3% 25.1% 24.0% 22.9% 37.2% 34.8% 78.0% 25.2% 40.0% 0.0% -1.5% 0.0% 57.3% 164.7% 1.0% 0.0% 36.0% 36.8% 38.4% 32.3% 0.0% #DIV/0! 9.4% 9.4% 44.2% 37.2% 12.4% 10.0% 23.5% #DIV/0! 0.0% 0.0% 11.1% 0.0% 0.0% 0.0% 39.3%

37.8%

NETO

COSTO DE ADQUISICION

41.3% 42.8% 30.2% 28.8% 43.7% 146.1% 43.7% -17.1% 33.8% 1.0% 35.2% 43.9% 0.0% -11.6% 51.4% 14.4% 23.5% 0.0% 13.7% 0.0%

9.3% 13.4% 9.7% 11.5% 11.9% 10.4% 10.9% 1.9% 13.8% 15.1% 13.4% 13.6% 5.9% 5.5% 12.5% 20.3% 15.0% 15.0% 13.0% 0.0%

41.7%

10.6%


Naves maritimas y Aereas POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 General 2 Banreservas 3 Sura 4 Universal 5 Colonial 6 Mapfre 7 Ademi 8 Monumental 9 Angloamericana 10 Federal 11 Multiseguros Mehr, S.A. 12 BANESCO (SDS) 13 Atlantica 14 Humano 15 Amigo 16 Pepin 17 Patria 18 Dominicana Totales

Aumento Costo de Comisiones y Siniestros TOTAL DE Participacio (disminucion) Total Reaseguros otros costos de incurridos, n INGRESOS reservas de Costos Neto Adquisición Netos Primas 77.7 70.0 68.0 66.3 50.8 19.3 7.6 6.4 4.7 3.8 3.6 2.9 2.0 1.3 1.0 0.7 0.3 0.1

Margen Tecnico

20.1% 18.1% 17.6% 17.2% 13.1% 5.0% 2.0% 1.6% 1.2% 1.0% 0.9% 0.7% 0.5% 0.3% 0.3% 0.2% 0.1% 0.0%

67.0 40.4 51.6 911.6 33.9 11.3 6.7 0.8 2.0 2.5 1.3 1.2 (0.0) 0.4 0.0 -

2.1 3.3 2.5 2.9 2.0 1.7 0.4 1.1 0.4 0.0 0.2 0.2 0.2 0.1 0.0 0.1 0.0 (0.1)

2.8 0.1 2.5 0.4 3.8 6.6 1.5 0.3 0.8 0.0 0.1 (0.1) -

-1.0 2.3 -0.3 -2.4 0.4 0.1 0.0 -1.7 -0.1 0.1 0.7 0.5 0.2 0.2 0.4 -0.2 -0.0 0.6

70.9 46.2 56.3 912.4 40.1 19.7 7.1 1.8 2.5 2.7 3.0 1.8 0.5 0.5 0.5 (0.1) 0.0 0.5

6.8 23.8 11.7 (846.2) 10.7 (0.4) 0.5 4.6 2.2 1.2 0.6 1.1 1.6 0.8 0.6 0.8 0.3 (0.4)

8.8% 34.0% 17.3% -1276.5% 21.1% -2.1% 6.8% 72.0% 46.5% 30.3% 16.8% 37.0% 77.3% 60.9% 57.1% 117.4% 98.0% -371.4%

386.4 100.0%

1,130.6

17.2

18.9 -

0.4

1,166.2 -

779.8

-201.8%

Total

REASEGUROS

10.7% 7.7% 23.6% 24.9% 82.8% 119.3% 1.4% 0.0% 33.4% 31.7% 112.1% 102.2% 0.0% 0.0% 18.6% 0.0% 23.2% 35.4% 0.0% 0.0% 33.1% 0.0% 4.9% 5.8% 0.0% 0.0% -7.9% 0.0% 0.0% #DIV/0! 0.0% #DIV/0! 0.0% 0.0% 0.0% #DIV/0! 27.2%

7.2%

NETO

COSTO DE ADQUISICION

33.9% 2.3% 23.4% 0.0% 41.4% 144.8% #DIV/0! 20.7% 12.6% 0.0% 53.1% 2.6% 0.0% -13.1% 0.0% 0.0% 0.0% 0.0%

2.9% 2.8% 8.8% 5.2% 3.7% 8.6% 6.8% 14.1% 9.3% 1.5% 9.0% 5.4% 0.0% 5.1% 4.8% 7.0% 14.4% 15.2%

-2.4%

4.5%

Fianzas POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Banreservas 2 Dominicana 3 Universal 4 Mapfre 5 Sura 6 Colonial 7 Patria 8 General 9 APS 10 Angloamericana 11 Monumental 12 Coopseguros 13 Humano 14 Multiseguros Mehr, S.A. 15 Pepin 16 Amigo 17 BANESCO (SDS) 18 Cuna Mutual 19 Federal 20 MIDAS 21 Confedom 22 Ademi 23 Atlantica Totales

TOTAL DE INGRESOS 230.9 220.1 184.8 117.3 116.3 100.5 80.5 76.0 74.6 19.4 17.1 13.5 11.5 8.4 7.7 7.5 7.1 5.1 4.8 3.1 2.1 0.8 0.7

Participacio n

Costo de Comisiones y Siniestros Reaseguros otros costos de incurridos, Neto Adquisición Netos

Aumento (disminucion) reservas de Primas

Total Costos

Margen Tecnico

Total

REASEGUROS

NETO

COSTO DE ADQUISICION

17.6% 16.8% 14.1% 9.0% 8.9% 7.7% 6.1% 5.8% 5.7% 1.5% 1.3% 1.0% 0.9% 0.6% 0.6% 0.6% 0.5% 0.4% 0.4% 0.2% 0.2% 0.1% 0.1%

115.9 57.6 77.5 67.1 35.7 46.3 1.3 7.0 6.5 0.9 1.1 5.7 2.7 0.5 2.6 0.6 0.2 0.8 0.0 0.2

15.6 51.6 15.3 10.3 12.0 11.1 6.7 17.2 17.8 3.4 1.7 0.7 1.2 1.1 0.9 0.4 0.5 0.6 0.2 0.1 0.1

46.4 2.7 50.3 4.4 51.0 9.1 4.9 0.3 2.5 9.5 20.1 2.5 5.2 1.0 2.3 (5.1) 2.1 0.6 0.1 0.3 0.1 0.1

5.8 -0.3 -2.6 -0.4 1.3 -0.1 6.0 9.0 0.3 -1.3 0.4 1.8 1.3 1.8 -2.4 1.6 1.3 0.2 0.5 0.4 -0.2 0.2 0.2

183.8 111.6 140.4 81.3 100.0 66.4 18.9 33.5 20.6 18.1 23.1 6.1 13.4 6.6 1.2 (3.2) 6.6 0.7 1.8 0.6 1.2 0.3 0.5

47.1 108.5 44.3 36.0 16.3 34.1 61.6 42.5 54.0 1.4 (5.9) 7.4 (1.9) 1.9 6.5 10.7 0.5 4.3 3.0 2.5 0.9 0.5 0.2

20.4% 49.3% 24.0% 30.7% 14.0% 33.9% 76.5% 55.9% 72.4% 7.0% -34.5% 54.9% -16.1% 22.2% 84.6% 142.2% 7.0% 85.4% 63.1% 80.0% 44.2% 59.2% 24.3%

22.8% 1.1% 52.4% -86.4% 60.5% 23.2% 6.6% 0.8% 3.4% 197.8% 119.7% 21.5% 130.6% 17.9% 22.3% -86.3% 66.3% 11.5% 1.9% 0.0% 66.5% 24.4% 13.2%

8.0% -0.6% 48.5% -124.2% 31.1% 21.2% 0.0% 0.7% #DIV/0! 314.4% 0.0% 0.0% 108.4% 0.0% 0.0% #DIV/0! 55.7% #DIV/0! 0.0% 0.0% 82.4% 79.4% 0.0%

60.3% 1.7% 56.6% 13.4% 94.1% 27.4% 6.7% 0.9% 3.4% 86.2% 126.5% 23.6% 163.7% 27.8% 23.8% -86.3% 86.5% 11.5% 2.6% 0.0% 38.2% 13.3% 23.2%

5.7% 23.4% 8.2% 8.7% 10.3% 10.9% 9.0% 27.2% 23.9% 15.6% 10.2% 5.9% 15.3% 18.6% 8.5% 6.6% 7.1% 0.0% 12.0% 0.0% 9.5% 8.8% 13.8%

1,310.0 100.0%

430.3

168.3

210.3

24.5

833.4

476.6

36.4%

18.2%

5.1%

29.9%

12.7%


Demas Ramos POR EL PERIODO COMPRENDIDO DESDE EL 1ERO DE ENERO AL 31 DE DICIEMBRE DEL 2019

Siniestralidad

En Millones de RD$ Aseguradoras 1 Universal 2 AGRODOSA 3 Sura 4 Banreservas 5 Colonial 6 Mapfre 7 Scotia Seguros 8 Angloamericana 9 General 10 Monumental 11 Humano 12 BANESCO (SDS) 13 Dominicana 14 Pepin 15 Confedom 16 Multiseguros Mehr, S.A. 17 Federal 18 APS 19 Coopseguros 20 Ademi 21 Amigo 22 Atlantica 23 Patria 24 MIDAS 25 Internacional 26 Unit Totales

TOTAL DE INGRESOS 753.0 566.7 508.9 500.4 458.7 402.3 60.0 56.8 52.5 42.3 34.8 29.4 18.8 14.7 14.2 12.1 11.7 9.0 8.5 4.8 4.8 4.1 2.2 0.2 0.1 0.1

Aumento Costo de Comisiones y Siniestros Participacio (disminucion) Reaseguros otros costos de incurridos, n reservas de Neto Adquisición Netos Primas 21.1% 15.9% 14.2% 14.0% 12.8% 11.3% 1.7% 1.6% 1.5% 1.2% 1.0% 0.8% 0.5% 0.4% 0.4% 0.3% 0.3% 0.3% 0.2% 0.1% 0.1% 0.1% 0.1%

Total Costos

Margen Tecnico

0.0% 0.0%

501.3 293.3 310.7 323.1 235.6 252.6 45.5 19.4 20.6 1.6 24.8 7.3 1.7 (0.0) 8.0 3.3 5.0 (0.0) 1.4 3.7 1.4 0.0 0.0 -

57.4 54.1 42.6 47.4 37.7 0.1 6.5 9.6 6.0 3.2 3.7 2.5 1.3 1.3 1.6 2.1 1.1 1.0 0.4 0.4 0.5 0.3 0.0 0.0 -

69.4 91.5 67.2 106.3 29.2 45.0 0.7 (0.9) 2.5 15.1 0.7 0.6 0.1 1.8 0.7 3.6 3.6 0.2 1.9 0.0 0.1 1.3 0.1

3.3 -25.7 12.6 -19.3 6.9 11.5 2.5 5.3 -4.0 2.3 1.9 6.6 2.2 0.5 -0.2 1.5 -0.7 0.9 0.2 0.1 1.5 0.6 -0.4 0.1 0.0 0.0

631.4 359.1 444.6 452.8 319.1 346.8 48.8 30.3 28.7 25.1 30.6 18.3 6.5 3.7 9.9 10.1 10.0 2.2 4.5 4.3 1.9 2.6 1.2 0.1 0.0 0.1

121.6 207.5 64.2 47.6 139.7 55.5 11.1 26.5 23.8 17.3 4.3 11.2 12.2 11.1 4.4 2.0 1.7 6.7 4.0 0.5 2.9 1.5 1.0 0.1 0.1 (0.0)

16.1% 36.6% 12.6% 9.5% 30.4% 13.8% 18.6% 46.7% 45.3% 40.8% 12.3% 38.0% 65.2% 75.1% 30.6% 16.7% 14.5% 75.2% 46.9% 10.9% 60.3% 36.4% 45.7% 54.5% 76.7% -35.3%

3,571.2 100.0%

2,060.4

281.1

440.9

10.4

2,792.8

778.5

21.8%

Total

REASEGUROS

64.6% 147.6% 78.4% 95.8% 134.4% 310.8% 35.1% 21.4% 22.3% 34.9% 23.0% 21.2% 8.6% 8.3% -2.0% -0.3% 17.6% 26.5% 37.8% 0.0% 9.5% 8.2% 5.3% 7.0% 0.6% 0.0% 13.0% 12.7% 24.7% 29.3% 43.5% 26.3% 30.9% 0.0% 2.4% 0.0% 23.7% 0.0% 5.0% 7.4% 0.0% #DIV/0! 6.3% 18.7% 49.6% 0.0% 0.0% 0.0% 0.0% #DIV/0! 158.8% #DIV/0! 56.8%

87.9%

NETO

COSTO DE ADQUISICION

15.7% 44.0% 23.2% 57.4% 11.7% 25.5% 11.0% -3.9% 9.1% 39.0% 14.9% 4.1% 0.6% 13.0% 15.0% 50.9% 39.3% 2.4% 27.0% 0.7% 0.0% 3.4% 49.7% 0.0% 0.0% 158.8%

8.2% 0.0% 11.5% 8.8% 10.3% 8.9% 0.1% 13.3% 17.8% 15.1% 13.4% 14.4% 15.8% 8.7% 9.3% 16.2% 18.3% 13.8% 12.9% 10.3% 11.1% 12.7% 11.3% 6.5% 7.1% 0.0%

-2.6%

8.0%




Primas Retenidas 2015 19,874,197,053

Primas Retenidas Sobre primas suscritas

2016 24,326,273,381

55.9%

2017 31,210,288,999

59.7%

2018 38,446,671,049

61.3%

2019 44,474,662,431

63.5%

64.0%

Resultados Tecnicos , Despues de Gastos Administrativos Del 1ero. De Enero al 31 de Diciembre del Valores en millones de RD$

2015 Resultados Tecnicos % sobre las primas suscritas

2016

2017

2018

2019

362.10

96.87

-211.47

1,693.87

2,166.8

1.0%

0.2%

-0.4%

2.8%

3.1%

Gastos Administrativos sobre primas suscritas totales Del 1ero. De Enero al 31 de Diciembre del Valores en millones de RD$

2015 Gastos Administrativos % sobre las primas suscritas

2016

6,972.70

8,206.97

19.6%

20.2%

2017

2018

9,505.53 10,894.39 18.7%

2019 12,304.0

18.0%

17.7%

Siniestros Incurridos totales Del 1ero. De Enero al 31 de Diciembre del Valores en millones de RD$

Siniestros Incurridos

2015 12,846.40

2016 13,420.42

2017 17,633.73

2018 41,905.43

2019 37,358.2

6.7%

4.5%

31.4%

137.6%

-10.9%

Resultados Tec nic os antes de Gas tos Del 1ero. De Enero al 31 de Diciembre del Valores en millones de RD$

2015 Margen Tecnico % sobre las primas suscritas

2016

2017

2018

2019

7,397.3

8,350.5

20.8%

20.5%

9,320.5

12,588.3

14,470.8

18.3%

20.8%

20.8%