Vaz Seguros
Topseg
Sul América
Oriente
Olumpus
El Fénix
Confianza
Condor
Colonial
Colón
Centroseguros
Balboa
Aseguradora del Sur
Alianza
COMPAÑÍAS QUE OPERAN EXCLUSIVAMENTE EN SEGUROS GENERALES Al 31 de Diciembre 2008 SWEADEN
SUCRE
UNIDOS
SEGUROS DEL PICHINCHA
ROCAFUERTE
RIO GUAYAS
PORVENIR
PANAMERICANA
MEMOSER
MAPFRE
LA UNION
INTEROCEANICA
HISPANA
GENERALI
EQUINOCCIAL
ECUATORIANO SUIZA
COOPSEGUROS
CERVANTES
BOLIVAR
ATLAS
COMPAÑÍAS QUE OPERAN EXCLUSIVAMENTE EN SEGUROS DE VIDA Al 31 de Diciembre 2008
AIG METROPOLITANA
ACE
Sud América
Primma
Pan American Life
LLS Seguros
Equivida
Colvida
Bmi
Bupa
Compañías del Mercado COMPAÑÍAS QUE OPERAN EN SEGUROS DE VIDA Y GENERALES (MIXTAS) Al 31 de Diciembre 2008
COMPAÑÍAS PARTÍCIPES EN EL SISTEMA DE SEGUROS PRIVADOS Al 31 de Diciembre 2008
Primas por ramo Mercado Ecuatoriano Seguros de Vida y Generales Miles US D贸lares
Ramos
2008 Primas Share
2007 Primas Share
2006 Primas Share
2005 Primas Share
2004 Primas Share
2003 Primas Share
2002 Primas Share
Veh铆culos
223,667 25%
197,768 29%
179,712 29%
149,299 27%
117,299 25%
133,369 27%
110,864 28%
Incendio y aliadas
91,159
10%
94,732
14%
87,366
14%
82,262
15%
80,015
17%
84,385
17%
74,585
19%
Fianzas
79,287
9%
44,664
7%
35,580
6%
37,682
7%
53,486
11%
58,386
12%
38,207
9%
Transporte
54,136
6%
44,578
7%
43,134
7%
37,957
7%
34,265
7%
35,313
7%
31,953
8%
Ramos tecnicos
43,147
5%
27,529
4%
20,845
3%
32,827
6%
18,229
4%
22,587
5%
17,223
4%
Otros Ramos
111,709 13%
103,576 15%
111,975 18%
83,967
15%
70,687
15%
73,530
15%
66,865
17%
Vida en Grupo
126,047 14%
95,786
14%
73,375
12%
63,494
12%
51,958
11%
43,781
9%
30,834
8%
Vida individual
14,766
2%
10,794
2%
12,641
2%
7,405
1%
6,191
1%
6,160
1%
3,703
1%
Asistencia medica
20,829
2%
17,744
3%
13,063
2%
12,939
2%
19,116
4%
22,345
4%
16,925
4%
Accidentes personales
53,944
6%
41,283
6%
38,793
6%
35,138
6%
26,055
5%
20,017
4%
11,930
3%
SOAT
65,101
7%
Total
883,792 100%
678,454 100%
616,484 100%
542,970 100%
477,301 100%
499,873 100%
403,089 100%
Primas del Mercado Ecuatoriano 31 Diciembre 2008 Seguros de Vida - Top ten Miles US Dólares
RK
Compañía
Primas
Patrimonio
EQUIVIDA SEGUROS DEL PICHINCHA PAN AMERICAN LIFE INSURANCE PANAMERICANA DEL ECUADOR COLVIDA INTEROCEANICA AIG METROPOLITANA RIO GUAYAS ROCAFUERTE COOPSEGUROS
2008 25,268,622 24,181,330 22,300,600 8,819,048 7,768,142 6,979,364 6,458,168 6,393,161 6,266,556 5,538,858
% 16% 15% 14% 5% 5% 4% 4% 4% 4% 3%
2008 5,350,464 7,236,326 6,587,757 1,496,907 1,459,871 817,187 381,487 2,266,017 -1,486,703 89,258
% 14% 18% 17% 4% 4% 2% 1% 6% -4% 0%
17
Aseguradoras
42,556,086
26%
15,186,563
39%
27
TOTAL SISTEMA
2008 1 2 3 4 5 6 7 8 9 10
162,529,936 100%
39,385,135 100%
Resultados Netos RK 3 1 2 9 10 14 20 4 27 26
2008 % 2,200,764 31% 2,545,249 36% 506,936 7% 505,227 7% 179,086 3% 279,736 4% 198,430 3% 256,199 4% -1,987,550 -28% -317,523 -4% 2,703,881
38%
7,070,435 100%
RK 2008 2 1 6 7 14 10 13 12 27 25
ROE 2008 41% 35% 8% 34% 12% 34% 52% 11% 134% -356%
Primas por Ramo Mercado Ecuatoriano Seguros de Vida - Miles US Dólares
2008 Share
2004 Share
2005 Share
2006 Share
2007 Share
Vida en Grupo
51,958 50%
63,494 53%
73,375 53%
95,786 58%
126,047 58%
32%
Vida individual
6,191
7,405
14,766
7%
37%
Asistencia médica
% Inc.
6%
12,641
9%
10,794
19,116 19%
12,939 11%
13,063
9%
17,744 11%
20,829 10%
17%
Accidentes personales
26,055 25%
35,138 30%
38,793 28%
41,283 25%
53,944 25%
31%
Total
103,320 100%
118,976 100%
137,872 100%
165,607 100%
215,586 100%
30%
6%
7%
Evolucion Primas Mercado Ecuatoriano 120,000 100,000
Vida en Grupo
Primas
80,000
Vida individual
60,000
Asistencia médica
40,000
Accidentes personales
20,000 2004
2005
2006 Años
2007
Siniestralidad por Ramo Ecuatoriano Seguros de Vida
2004
2005
2006
2007
2008
Vida en Grupo
51.7%
52.3%
49.7%
49.8%
54.0%
Vida individual
31.2%
40.4%
32.5%
47.4%
46.0%
Asistencia medica
70.6%
78.0%
76.7%
77.8%
74.9%
Accidentes personales
39.8%
43.4%
38.9%
39.5%
35.4%
SOAT
23.8%
Total
50.7%
51.8%
49.1%
53.7%
49.7%
Loss Ratio
Siniestralidad por Ramo 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%
2004 2005 2006 2007 2008
Vida en Grupo
Vida individual
Asistencia mĂŠdica
Accidentes personales
Ramos
SOAT
Total
Indicadores del Mercado 2007 Seguros de Vida - Cifras en miles US Dólares
RK RK 2006 2007
Compañía
Primas 2007 %
Patrimonio 2007 % RK
Resultado Técnico 2007 % RK
Resultado Netos RK 2007 % 2007
2007
ROE
2006
1
1
PAN AMERICAN LIFE
20,388
16%
6,261
18%
1
163
1%
15
542
6%
5
9%
7%
2
2
EQUIVIDA
17,250
14%
4,379
12%
3
2,750
23%
2
1,919
20%
2
44%
60%
3
3
PICHINCHA
16,269
13%
5,279
15%
2
2,909
25%
1
1,953
20%
1
37%
42%
4
4
BOLIVAR
7,947
6%
725
2%
13
262
2%
13
41
0%
22
6%
2%
6
5
PANAMERICANA
7,076
6%
1,100
3%
9
363
3%
11
382
4%
9
35%
25%
5
6
ROCAFUERTE
6,720
5%
458
1%
20
-582
-5%
25
-584
-6%
27
-128%
8%
7
7
COLVIDA
5,617
4%
1,281
4%
8
354
3%
12
267
3%
13
21%
17%
8
8
RIO GUAYAS
5,275
4%
2,074
6%
5
1,319
11%
4
537
6%
7
26%
24%
11
9
INTEROCEANICA
5,016
4%
599
2%
16
532
4%
7
511
5%
8
85%
-105%
13
10
AIG METROPOLITANA
4,721
4%
233
1%
24
-738
-6%
26
178
2%
15
77%
-102%
9
11
COOPSEGUROS
4,229
3%
407
1%
21
31
0%
22
-93
-1%
26
-23%
-15%
12
12
GENERALI
3,827
3%
2,441
7%
4
578
5%
6
577
6%
4
24%
15%
10
13
BMI
3,737
3%
1,776
5%
6
118
1%
17
223
2%
14
13%
15%
19
14
PORVENIR
2,826
2%
1,363
4%
7
2,421
20%
3
1,036
11%
3
76%
72%
14
15
HISPANA
2,382
2%
160
0%
27
152
1%
16
79
1%
19
50%
101%
15
16
SEGUROS UNIDOS
2,231
2%
947
3%
12
646
5%
5
538
6%
6
57%
112%
16
17
BUPA
1,969
2%
513
1%
18
32
0%
21
13
0%
25
3%
18
18
SUCRE
1,928
2%
957
3%
11
421
4%
9
317
3%
12
33%
17
19
SUD AMERICA
1,808
1%
977
3%
10
-54
0%
24
21
0%
23
2%
2%
21
20
CERVANTES
1,002
1%
649
2%
15
386
3%
10
325
3%
11
50%
43%
22
21
ECUATORIANO SUIZA
900
1%
468
1%
19
461
4%
8
358
4%
10
76%
76%
23
22
MEMOSER
822
1%
581
2%
17
28
0%
23
14
0%
24
2%
12%
20
23
ACE
585
0%
695
2%
14
163
1%
14
158
2%
16
23%
42%
24
24
ATLAS
468
0%
172
0%
26
92
1%
18
90
1%
17
52%
68%
25
25
PRIMMA
363
0%
324
1%
22
-1,118
-9%
27
54
1%
20
17%
18%
27
26
EQUINOCCIAL
104
0%
231
1%
25
82
1%
19
82
1%
18
35%
-22%
26
27
LA UNION
91
0%
317
1%
23
50
0%
20
49
1%
21
16%
12%
125,552
100%
35,366
100%
11,824
100%
9,589
100%
TOTAL SISTEMA
50%
Indicadores del Mercado 2008 Seguros de Vida - Cifras en miles US Dólares
RK RK 2007 2008
Compañía
Primas 2008 %
Patrimonio % RK 2008
Resultado Técnico 2008 % RK
Resultado Netos RK RK ROE 2008 % 2008 2007 2008 2007
2
1
EQUIVIDA
25,269
16%
5,350
14%
3
3,805
32%
2
2,201
31%
2
2
41%
44%
3
2
PICHINCHA
24,181
15%
7,236
18%
1
5,158
43%
1
2,545
36%
1
1
35%
37%
1
3
PAN AMERICAN LIFE
22,301
14%
6,588
17%
2
262
2%
13
507
7%
6
5
8%
9%
5
4
PANAMERICANA
8,819
5%
1,497
4%
9
601
5%
7
505
7%
7
9
34%
35%
7
5
COLVIDA
7,768
5%
1,460
4%
10
303
3%
12
179
3%
14
13
12%
21%
9
6
INTEROCEANICA
6,979
4%
817
2%
14
523
4%
9
280
4%
10
8
34%
85%
10
7
AIG METROPOLITANA
6,458
4%
381
1%
20
-1,748
-15%
25
198
3%
13
15
52%
77%
8
8
RIO GUAYAS
6,393
4%
2,266
6%
4
708
6%
6
256
4%
12
7
11%
26%
6
9
ROCAFUERTE
6,267
4%
-1,487
-4%
27
-1,830
-15%
27
-1,988
-28%
27
27
134%
-128%
11
10
COOPSEGUROS
5,539
3%
89
0%
26
-13
0%
22
-318
-4%
25
26
-356%
-23%
12
11
GENERALI
5,006
3%
2,198
6%
5
549
5%
8
546
8%
5
4
25%
24%
14
12
PORVENIR
4,771
3%
1,762
4%
7
2,968
25%
3
470
7%
8
3
27%
76%
4
13
BOLIVAR
4,603
3%
679
2%
16
-1,311
-11%
24
-1,296
-18%
26
22
-191%
6%
13
14
BMI
3,899
2%
1,817
5%
6
113
1%
17
178
3%
15
14
10%
13%
15
15
HISPANA
3,527
2%
246
1%
24
145
1%
15
115
2%
18
19
47%
50%
16
16
SEGUROS UNIDOS
3,387
2%
1,604
4%
8
1,272
11%
4
823
12%
3
6
51%
57%
19
17
SUD AMERICA
3,303
2%
996
3%
12
-77
-1%
23
19
0%
24
23
2%
2%
17
18
BUPA
2,818
2%
625
2%
17
212
2%
14
143
2%
16
25
23%
3%
22
19
MEMOSER
2,792
2%
586
1%
18
48
0%
21
34
0%
22
24
6%
2%
18
20
SUCRE
2,365
1%
1,402
4%
11
746
6%
5
594
8%
4
12
42%
33%
24
21
ATLAS
1,658
1%
148
0%
25
104
1%
18
97
1%
19
17
65%
52%
20
22
CERVANTES
1,311
1%
892
2%
13
506
4%
10
454
6%
9
11
51%
50%
21
23
ECUATORIANO SUIZA
1,302
1%
423
1%
19
412
3%
11
262
4%
11
10
62%
76%
23
24
ACE
952
1%
799
2%
15
140
1%
16
139
2%
17
16
17%
23%
25
25
PRIMMA
568
0%
342
1%
22
-1,751
-15%
26
25
0%
23
20
7%
17%
27
26
LA UNION
165
0%
346
1%
21
48
0%
20
48
1%
21
21
14%
16%
26
27
EQUINOCCIAL
128
0%
322
1%
23
51
0%
19
55
1%
20
18
17%
35%
162,530
100%
39,385
100%
11,944
100%
7,070
100%
TOTAL SISTEMA
Indicadores del Mercado 2008 Seguros de Vida - US Dólares
RK RK 2007 2008
Compañía
Primas 2008 %
Patrimonio % RK 2008
Resultado Técnico 2008 % RK
Resultado Netos RK RK 2008 % 2008 2007
2008
ROE
2007
2
1
EQUIVIDA
25,268,622
15547%
5,350,464 13585%
3
3,805,006
31858%
2
2,200,764
31126%
2
2
41%
44%
3
2
SEGUROS DEL PICHINCHA
24,181,330
14878%
7,236,326 18373%
1
5,157,702
43183%
1
2,545,249
35998%
1
1
35%
37%
1
3
PAN AMERICAN LIFE INSURANCE 22,300,600
13721%
6,587,757 16727%
2
262,440
2197%
13
506,936
7170%
6
5
8%
9%
5
4
PANAMERICANA DEL ECUADOR
8,819,048
5426%
1,496,907
3801%
9
600,973
5032%
7
505,227
7146%
7
9
34%
35%
7
5
COLVIDA
7,768,142
4780%
1,459,871
3707% 10
302,727
2535%
12
179,086
2533%
14
13
12%
21%
9
6
INTEROCEANICA
6,979,364
4294%
817,187
2075% 14
523,281
4381%
9
279,736
3956%
10
8
34%
85%
10
7
AIG METROPOLITANA
6,458,168
3974%
381,487
969% 20
77%
8
8
RIO GUAYAS
6,393,161
3934%
2,266,017
6
9
ROCAFUERTE
6,266,556
3856% -1,486,703
11
10
COOPSEGUROS
5,538,858
3408%
89,258
12
11
GENERALI
5,006,161
3080%
2,198,424
5582%
5
14
12
PORVENIR
4,771,208
2936%
1,762,341
4475%
7
2,967,685
24847%
3
4
13
BOLIVAR
4,603,025
2832%
678,518
1723% 16
-1,310,582
-10973%
24
13
14
BMI
3,899,480
2399%
1,816,621
6
113,194
948%
17
177,926
15
15
HISPANA
3,526,916
2170%
245,782
624% 24
144,512
1210%
15
16
16
SEGUROS UNIDOS
3,387,280
2084%
1,603,806
8
1,272,499
10654%
19
17
SUD AMERICA
3,303,142
2032%
996,494
2530% 12
-77,472
-649%
17
18
BUPA
2,817,600
1734%
625,147
1587% 17
211,991
1775%
22
19
MEMOSER ANTES MEMORIAS
2,791,840
1718%
585,527
1487% 18
48,031
18
20
SUCRE
2,365,044
1455%
1,401,971
3560% 11
745,534
24
21
ATLAS
1,657,531
1020%
147,719
375% 25
20
22
CERVANTES
1,310,990
807%
892,210
2265% 13
21
23
ECUATORIANO SUIZA
1,301,538
801%
423,177
23
24
ACE
952,387
586%
25
25
PRIMMA
568,499
27
26
LA UNION
165,093
26
27
EQUINOCCIAL
128,352
TOTAL SISTEMA
-1,747,790
-14633%
25
198,430
2806%
13
15
52%
4
708,343
5931%
6
256,199
3624%
12
7
11%
26%
-3775% 27
-1,829,622
-15319%
27
-1,987,550 -28111%
27
27
134%
-128%
-12,876
-108%
22
-317,523
-4491%
25
26
-356%
-23%
548,940
4596%
8
545,740
7719%
5
4
25%
24%
469,717
6643%
8
3
27%
76%
-1,296,259 -18334%
26
22
-191%
6%
2516%
15
14
10%
13%
114,726
1623%
18
19
47%
50%
4
822,558
11634%
3
6
51%
57%
23
19,389
274%
24
23
2%
2%
14
142,778
2019%
16
25
23%
3%
402%
21
33,953
480%
22
24
6%
2%
6242%
5
593,907
8400%
4
12
42%
33%
103,662
868%
18
96,502
1365%
19
17
65%
52%
505,610
4233%
10
453,510
6414%
9
11
51%
50%
1074% 19
412,012
3450%
11
262,199
3708%
11
10
62%
76%
798,835
2028% 15
140,221
1174%
16
138,943
1965%
17
16
17%
23%
350%
342,045
868% 22
-1,751,152
-14662%
26
24,769
350%
23
20
7%
17%
102%
345,599
877% 21
48,345
405%
20
48,377
684%
21
21
14%
16%
79%
322,347
818% 23
50,593
424%
19
55,146
780%
20
18
17%
35%
5753%
227% 26
4612% 4072%
162,529,936 100000% 39,385,135 100000%
11,943,808 100000%
7,070,435 100000%