| Estados Financieros Comparados |
Actualizado al 17 de marzo de 2026 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Seguros/INSURANCE
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
Rímac Seguros y Reaseg.
|
Vivir Seguros
|
|
|
|
|
CIIU
|
6603-6
|
66010
|
|
|
|
|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
31/12/2025
|
31/12/2024
|
31/12/2025
|
31/12/2024
|
|
|
|
|
|
|
|
Efectivo y Equivalente de Efectivo / CASH AND DEPOSITS
|
650,862
|
673,565
|
96,439
|
50,927
|
|
|
|
|
|
|
|
Inversiones financieras (neto) / Financial Investments (Net)
|
1,868,749
|
1,648,762
|
125,961
|
63,216
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Operaciones de Seguros (neto) / Accounts receivable from insurance transact.(net)
|
2,179,777
|
2,384,311
|
83,246
|
47,926
|
|
|
|
|
|
|
|
Menos: Cargas Aplicadas Sobre Polizas / Less: Charges applied to policies
|
-275,488
|
-306,243
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Operaciones Sujetas a Riesgo Crediticio (neto) / Accounts receivable from transactions subject to credit risk
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar a Reaseguradores y Coaseguradores (neto) / Accounts receivable from reinsurers and coinsurers (net)
|
275,185
|
330,901
|
3,347
|
3,657
|
|
|
|
|
|
|
|
Activo por Reservas Técnicas a Cargo de Reaseguradoras
|
1,784,631
|
1,726,873
|
4,943
|
7,347
|
|
|
|
|
|
|
|
Cuentas por Cobrar Diversas (neto) / Sundry accounts receivable (net)
|
111,433
|
128,305
|
1,224
|
980
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Productos Financieros Derivados para Negociación / Accounts receivable from financial derivatives for trading purposes
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar Productos Financieros Derivados con Fines de Cobertura / Accounts receivable from financial derivatives for hedging purposes
|
0
|
0
|
5,281
|
1,446
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Macro-coberturas / Accounts receivable from macro-hedging
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Gastos Contrados por Adelantado / Prepaid expenses
|
236,662
|
264,292
|
7
|
8
|
|
|
|
|
|
|
|
TOTAL ACTIVO CORRIENTE / TOTAL CURRENT ASSETS
|
6,831,811
|
6,850,766
|
320,448
|
175,507
|
|
|
|
|
|
|
|
Activos por Reservas Técnicas a cargo de reaseguradores
|
672,107
|
793,159
|
0
|
0
|
|
|
|
|
|
|
|
Inversiones Financieras (neto) / Financial Investments (Net)
|
12,761,455
|
12,385,677
|
1,324,356
|
945,694
|
|
|
|
|
|
|
|
Inversiones en Inmuebles (neto) / Investments in immovable property (net)
|
1,003,289
|
828,942
|
73,242
|
25,366
|
|
|
|
|
|
|
|
Inmuebles, Muebles y Equipo (neto) / Property, furniture and equipment (net)
|
378,846
|
402,183
|
2,121
|
1,807
|
|
|
|
|
|
|
|
Activos Intangibles (Neto) / Intangible assets (net)
|
252,439
|
218,321
|
2,065
|
2,015
|
|
|
|
|
|
|
|
Activo por Impuesto a las ganancias / Deferred income tax assets
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Activo no Corrientes Mantenidos para la Venta (neto)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Otros Activos / Other assets
|
28,120
|
34,428
|
25,958
|
3,383
|
|
|
|
|
|
|
|
TOTAL ACTIVO / TOTAL ASSETS
|
21,928,067
|
21,513,476
|
1,748,190
|
1,153,772
|
|
|
|
|
|
|
|
Tributos, Participaciones y Ctas. por Pagar Diversas / Taxes, profit sharing and other accounts payable
|
260,894
|
298,377
|
7,383
|
5,265
|
|
|
|
|
|
|
|
Cuentas por Pagar por Productos Financieros Derivados para Negociación / Accounts payable due to financial derivatives for trading purposes
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar por Productos Financieros Derivados con Fines de Cobertura / Accounts payable due to financial derivatives for hedging purposes
|
215
|
6,359
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar por Macro-Coberturas / Accounts payable due to macro-hedging
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Obligaciones Financieras / Financial liabilities
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Intermediarios, Comercializadores y Auxiliares / Accounts payable to brokers and assistants
|
230,106
|
202,226
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Asegurados / Accounts payable to insured
|
314,685
|
435,851
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Reaseguradores y Coaseguradores (neto) / Accounts payable to reinsurers and coinsurers (net)
|
1,303,428
|
1,452,704
|
7,904
|
10,488
|
|
|
|
|
|
|
|
Reservas Técnicas por Siniestros / Technical reserves for claims
|
3,095,041
|
3,027,013
|
325,646
|
129,114
|
|
|
|
|
|
|
|
TOTAL PASIVO CORRIENTE / TOTAL CURRENT LIABILITIES
|
5,204,369
|
5,422,530
|
340,933
|
144,867
|
|
|
|
|
|
|
|
Obligaciones Financieras / Financial liabilities
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas Técnicas por Siniestros / Technical reserves for claims
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas Técnicas por Primas / Technical reserves for premiums
|
13,009,896
|
12,610,360
|
1,075,031
|
825,875
|
|
|
|
|
|
|
|
Otros Pasivos (neto) / Other provisions (net)
|
17,656
|
60,806
|
2,633
|
2,467
|
|
|
|
|
|
|
|
Pasivos Diferidos / Deferred profits
|
391,264
|
360,858
|
936
|
1,091
|
|
|
|
|
|
|
|
Pasivo por Impuesto a las Ganancias Diferido / Deferred income tax liabilities
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
TOTAL PASIVO / TOTAL LIABILITIES
|
18,623,185
|
18,454,554
|
1,419,533
|
974,300
|
|
|
|
|
|
|
|
Capital Social / Capital stock
|
2,190,000
|
2,052,000
|
165,698
|
163,822
|
|
|
|
|
|
|
|
Capital Adicional / Additional capital
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas / Reserves
|
446,767
|
401,987
|
2,341
|
1,291
|
|
|
|
|
|
|
|
Acciones en Tesorería / Treasury shares
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Instrumentos Financieros Compuestos
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Ajustes al patrimonio / Equity adjustments
|
-57,196
|
-72,143
|
17,712
|
3,856
|
|
|
|
|
|
|
|
Resultados Acumulados / Retained earnings
|
284,575
|
229,280
|
9,044
|
-85,124
|
|
|
|
|
|
|
|
Resultado del Ejercicio / Period's results
|
440,736
|
447,798
|
133,862
|
95,627
|
|
|
|
|
|
|
|
TOTAL PATRIMONIO / TOTAL EQUITY
|
3,304,882
|
3,058,922
|
328,657
|
179,472
|
|
|
|
|
|
|
|
TOTAL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND EQUITY
|
21,928,067
|
21,513,476
|
1,748,190
|
1,153,772
|
|
|
|
|
|
|
|
ESTADO DE RESULTADOS / INCOME STATEMENT
|
31/12/2025
|
31/12/2024
|
31/12/2025
|
31/12/2024
|
|
|
|
|
|
|
|
Primas de Seguros (Neto) / Insurance premiums (net)
|
6,835,023
|
6,208,642
|
793,090
|
483,407
|
|
|
|
|
|
|
|
Reaseguro Aceptado (Neto) / Accepted reinsurance (net)
|
36,484
|
35,322
|
0
|
0
|
|
|
|
|
|
|
|
Ajuste de Reservas Técnicas de Primas de Seg. y Reaseg. Aceptado / Adjustments to technical reserves for accepted insurance and re-insurance premiums
|
-975,368
|
-948,715
|
-265,179
|
-187,936
|
|
|
|
|
|
|
|
TOTAL PRIMAS NETAS DEL EJERCICIO / TOTAL NET PREMIUMS FOR FISCAL YEAR
|
5,896,139
|
5,295,249
|
527,911
|
295,471
|
|
|
|
|
|
|
|
Primas Cedidas Netas / Ceded premiums (net)
|
-2,019,924
|
-2,027,486
|
-1,180
|
-599
|
|
|
|
|
|
|
|
Ajuste de Reservas Técnicas de Primas Cedidas / Adjustment to technical reserves for ceded premiums
|
-57,457
|
52,613
|
0
|
0
|
|
|
|
|
|
|
|
TOTAL PRIMAS CEDIDAS NETAS DEL EJERCICIO / TOTAL CEDED PREMIUMS
|
-2,077,381
|
-1,974,873
|
-1,180
|
-599
|
|
|
|
|
|
|
|
PRIMAS GANADAS NETAS / NET PREMIUMS EARNED
|
3,818,758
|
3,320,376
|
526,731
|
294,872
|
|
|
|
|
|
|
|
Siniestros de primas de seguros (netos) / Insurance premium claims (net)
|
-2,808,823
|
-2,655,483
|
-414,491
|
-202,573
|
|
|
|
|
|
|
|
Siniestros de reaseguros aceptados (netos) / Accepted reinsurance claims (net)
|
-32,833
|
-35,397
|
0
|
0
|
|
|
|
|
|
|
|
Siniestros de primas cedidas (netos) / Ceded premiums claims
|
773,299
|
812,636
|
-408
|
-1,021
|
|
|
|
|
|
|
|
Recuperos y Salvamentos / Recovery and salvage
|
26,548
|
24,870
|
0
|
0
|
|
|
|
|
|
|
|
SINIESTROS INCURRIDOS (NETOS) / CLAIMS INCURRED (NET)
|
-2,041,809
|
-1,853,374
|
-414,899
|
-203,594
|
|
|
|
|
|
|
|
Ajuste de Reservas para Riesgos Catastróficos / Adjustment to reserves for catastrophe risk
|
6,287
|
1,177
|
-7,904
|
-3,443
|
|
|
|
|
|
|
|
RESULTADO TECNICO BRUTO / GROSS TECHNICAL PROFTIS
|
1,783,236
|
1,468,179
|
103,928
|
87,835
|
|
|
|
|
|
|
|
Comisiones sobre Primas de Seguros (netas) / Commissions on insurance premiums (net)
|
-803,769
|
-772,874
|
-1,645
|
-5,705
|
|
|
|
|
|
|
|
Comisiones sobre Reaseguro Aceptado (netas) / Commissions on accepted reinsurance (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Comisiones de Primas Cedidas (netas) / Commissions of ceded premiums (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
COMISIONES (NETAS) / FEES (NET)
|
-803,769
|
-772,874
|
-1,645
|
-5,705
|
|
|
|
|
|
|
|
Ingresos Técnicos Diversos / Sundry technical income
|
22,719
|
26,809
|
908
|
1,272
|
|
|
|
|
|
|
|
Gastos Técnicos Diversos / Sundry technical expenses
|
-617,556
|
-446,301
|
-11,230
|
-9,099
|
|
|
|
|
|
|
|
Ingresos (Egresos) Diversos, neto / Sundry income (expenses), net
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
RESULTADO TÉCNICO / TECHNICAL PROFITS
|
384,630
|
275,813
|
91,961
|
74,303
|
|
|
|
|
|
|
|
Ingresos de Inversiones y Otros Ingresos Financieros / Investment income and other financial income
|
1,190,127
|
1,034,554
|
90,664
|
61,680
|
|
|
|
|
|
|
|
Gastos de inversiones y financieros. / Investment expenses and other financial expenses
|
-312,764
|
-186,266
|
-5,258
|
-2,365
|
|
|
|
|
|
|
|
Provisiones para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Diferencia de Cambio (neto) / Exchange rate difference (net)
|
-88,445
|
7,161
|
-3,517
|
629
|
|
|
|
|
|
|
|
RESULTADO DE INVERSIONES / INVESTMENTS PROFITS
|
788,918
|
855,449
|
81,889
|
59,944
|
|
|
|
|
|
|
|
Gastos de Administración (Neto de Ingresos por Servicios y Otros) / Administrative expenses (net of service income and others)
|
-732,812
|
-683,464
|
-32,024
|
-31,523
|
|
|
|
|
|
|
|
RESULTADO DE OPERACIÓN ANTES DE IMPUESTO / RESULT BEFORE INCOME TAX
|
440,736
|
447,798
|
141,826
|
102,724
|
|
|
|
|
|
|
|
Impuesto a las Ganancias / Income Tax
|
0
|
0
|
-7,964
|
-7,097
|
|
|
|
|
|
|
|
UTILIDAD (PÉRDIDA) NETA DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
440,736
|
447,798
|
133,862
|
95,627
|
|
|
|
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/12/2025
|
31/12/2025
|
|
|
|
|
Liquidez / Liquid Ratio
|
1.31
|
|
0.94
|
|
|
|
|
|
Liquidez Efectiva
|
0.13
|
|
0.28
|
|
|
|
|
|
Siniestralidad Total
|
0.41
|
|
0.52
|
|
|
|
|
|
Apalancamiento
|
0.85
|
|
0.81
|
|
|
|
|
|
Solvencia / Solvency
|
0.18
|
|
0.23
|
|
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
2.01
|
|
7.66
|
|
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
13.34
|
|
40.73
|
|
|
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|