INTEGRANTES

ALTAMIRANO EVELYN

ARELLANO CECILIA

CHIGUANO RICARDO

GUTIERREZ ANDRES

MATERIA

GESTIÓN INTREGRAL DE RIESGO

DOCENTE

INGENIERO: PABLO GUILLERMO PEÑAHERRERA MAFLA

GRUPO # 1

NRC: 8518

TEMA: TALLER GRUPAL

FECHA

9 DE NOVIEMBRE DEL 2022

SANGOLQUI
HERRERA MAFLA
 TASA DE VALOR
AÑO CANTIDAD DE CLIENTES SINIESTRALID PROMEDIO COSTO TOTAL DE SINIESTROS FACTOR COSTOS VALOR ACTUAL COSTOS
1 25,000.00 AD
0.00500 ASEGURADO
5,000.00 $625,000.00 1.04 $600,961.54
2 27,200.00 0.00500 5,500.00 $748,000.00 1.08 $691,568.05
3 28,000.00 0.00500 6,000.00 $840,000.00 1.12 $746,756.94
4 29,200.00 0.00500 6,800.00 $992,800.00 1.17 $848,649.60
5 31,400.00 0.00500 7,100.00 $1,114,700.00 1.22 $916,202.15
3,804,138.27

INTERES TECNICO 4.00%

 FACTOR VALOR ACTUAL USD PRIMA
VALOR PRIMAS INGRESOS PRIMAS TASA PRIMA PURA INGRESOS VA INGRESOS VAN
$125,000,000.00 1.00 $125,000,000.00 $24.04 $600,961.54 $600,961.54 0
$149,600,000.00 1.04 $143,846,153.85 $26.44 $719,230.77 $691,568.05 0
$168,000,000.00 1.08 $155,325,443.79 $28.85 $807,692.31 $746,756.94 0
$198,560,000.00 1.12 $176,519,116.98 $32.69 $954,615.38 $848,649.60 0
$222,940,000.00 1.17 $190,570,046.35 $34.13 $1,071,826.92 $916,202.15 0
$791,260,761.00 0.0048077 0
ACTIVOS PASIVOS
CARTERA DE CREDITO 25,000.00 CUENTAS CORRIENTES Y DE AHORROS
OTROS ACTIVOS 7,000.00 OTRAS INVERSIONES

PATRIMONIO
TOTAL ACTIVOS 32,000.00 TOTAL PASIVO Y PATRIMONIO

% CLIENTES
CAPITAL 25,000.00 CAPITAL
INTERES ANUAL 12.00% INTERES ANUAL
INTERES MENSUAL 1.00% INTERES MENSUAL
PERIODOS 48 PERIODOS
CUOTA 658.35 CUOTA

TABLA AMORTIZACIÓN-BANCO
PERIODO CAPITAL INICIAL INTERES AMORTIZACION CAPITAL
1 $17,280.00 $86.40 $1,400.83
2 $15,879.17 $79.40 $1,407.83
3 $14,471.34 $72.36 $1,414.87
4 $13,056.46 $65.28 $1,421.95
5 $11,634.51 $58.17 $1,429.06
6 $10,205.46 $51.03 $1,436.20
7 $8,769.25 $43.85 $1,443.38
8 $7,325.87 $36.63 $1,450.60
9 $5,875.27 $29.38 $1,457.85
10 $4,417.42 $22.09 $1,465.14
11 $2,952.27 $14.76 $1,472.47
12 $1,479.81 $7.40 $1,479.83

TABLA DE AMORTIZACIÓN - CLIENTES

PERIODO CAPITAL INICIAL INTERES AMORTIZACION CAPITAL
1 $25,000.00 $250.00 $408.35
2 $24,591.65 $245.92 $412.43
3 $24,179.22 $241.79 $416.56
4 $23,762.66 $237.63 $420.72
5 $23,341.94 $233.42 $424.93
6 $22,917.00 $229.17 $429.18
7 $22,487.82 $224.88 $433.47
8 $22,054.35 $220.54 $437.81
9 $21,616.55 $216.17 $442.18
10 $21,174.36 $211.74 $446.61
11 $20,727.76 $207.28 $451.07
12 $20,276.68 $202.77 $455.58
13 $19,821.10 $198.21 $460.14
14 $19,360.96 $193.61 $464.74
15 $18,896.22 $188.96 $469.39
16 $18,426.83 $184.27 $474.08
17 $17,952.75 $179.53 $478.82
18 $17,473.93 $174.74 $483.61
19 $16,990.32 $169.90 $488.45
20 $16,501.87 $165.02 $493.33
21 $16,008.54 $160.09 $498.26
22 $15,510.28 $155.10 $503.25
23 $15,007.03 $150.07 $508.28
24 $14,498.75 $144.99 $513.36
25 $13,985.39 $139.85 $518.50
26 $13,466.89 $134.67 $523.68
27 $12,943.21 $129.43 $528.92
28 $12,414.29 $124.14 $534.21
29 $11,880.08 $118.80 $539.55
30 $11,340.53 $113.41 $544.94
31 $10,795.59 $107.96 $550.39
32 $10,245.20 $102.45 $555.90
33 $9,689.30 $96.89 $561.46
34 $9,127.84 $91.28 $567.07
35 $8,560.77 $85.61 $572.74
36 $7,988.03 $79.88 $578.47
37 $7,409.56 $74.10 $584.25
38 $6,825.30 $68.25 $590.10
39 $6,235.21 $62.35 $596.00
40 $5,639.21 $56.39 $601.96
41 $5,037.25 $50.37 $607.98
42 $4,429.27 $44.29 $614.06
43 $3,815.21 $38.15 $620.20
44 $3,195.02 $31.95 $626.40
45 $2,568.62 $25.69 $632.66
46 $1,935.95 $19.36 $638.99
47 $1,296.96 $12.97 $645.38
48 $651.58 $6.52 $651.83
 27,200.00
1,600.00

3,200.00
32,000.00

60.00%
17,280.00
6.00%
0.50%
12
1,487.23

CUOTA CAPITAL FINAL

$1,487.23 $15,879.17
$1,487.23 $14,471.34
$1,487.23 $13,056.46
$1,487.23 $11,634.51
$1,487.23 $10,205.46
$1,487.23 $8,769.25
$1,487.23 $7,325.87
$1,487.23 $5,875.27
$1,487.23 $4,417.42
$1,487.23 $2,952.27
$1,487.23 $1,479.81
$1,487.23 -$0.03

CUOTA CAPITAL FINAL

$658.35 $24,591.65
$658.35 $24,179.22
$658.35 $23,762.66
$658.35 $23,341.94
$658.35 $22,917.00
$658.35 $22,487.82
$658.35 $22,054.35
$658.35 $21,616.55
$658.35 $21,174.36
$658.35 $20,727.76
$658.35 $20,276.68
$658.35 $19,821.10
$658.35 $19,360.96
$658.35 $18,896.22
$658.35 $18,426.83
$658.35 $17,952.75
$658.35 $17,473.93
$658.35 $16,990.32
$658.35 $16,501.87
$658.35 $16,008.54
$658.35 $15,510.28
$658.35 $15,007.03
$658.35 $14,498.75
$658.35 $13,985.39
$658.35 $13,466.89
$658.35 $12,943.21
$658.35 $12,414.29
$658.35 $11,880.08
$658.35 $11,340.53
$658.35 $10,795.59
$658.35 $10,245.20
$658.35 $9,689.30
$658.35 $9,127.84
$658.35 $8,560.77
$658.35 $7,988.03
$658.35 $7,409.56
$658.35 $6,825.30
$658.35 $6,235.21
$658.35 $5,639.21
$658.35 $5,037.25
$658.35 $4,429.27
$658.35 $3,815.21
$658.35 $3,195.02
$658.35 $2,568.62
$658.35 $1,935.95
$658.35 $1,296.96
$658.35 $651.58
$658.35 $0
ACTIVOS
CARTERA DE CREDITO 25,000.00
OTROS ACTIVOS 7,000.00

TOTAL ACTIVOS 32,000.00

CAPITAL 25,000.00
INTERES ANUAL 12.00%
INTERES MENSUAL -5.00%
PERIODOS 48
CUOTA 658.35

TABLA AMORTIZACIÓN-BANCO
PERIODO CAPITAL INICIAL INTERES
1 17,280.00 172.80
2 15,965.57 159.66
3 14,638.00 146.38
4 13,297.15 132.97
5 11,942.89 119.43
6 10,575.09 105.75
7 9,193.61 91.94
8 7,798.31 77.98
9 6,389.07 63.89
10 4,965.73 49.66
11 3,528.15 35.28
12 2,076.21 20.76

TABLA DE AMORTIZACIÓN - CLIENTES

PERIODO CAPITAL INICIAL INTERES
1 $25,000.00 -$1,250.00
2 $23,091.65 -$1,154.58
3 $21,278.72 -$1,063.94
4 $19,556.43 -$977.82
5 $17,920.26 -$896.01
6 $16,365.90 -$818.29
7 $14,889.25 -$744.46
8 $13,486.44 -$674.32
9 $12,153.77 -$607.69
10 $10,887.73 -$544.39
11 $9,684.99 -$484.25
12 $8,542.39 -$427.12
13 $7,456.92 -$372.85
14 $6,425.73 -$321.29
15 $5,446.09 -$272.30
16 $4,515.44 -$225.77
17 $3,631.31 -$181.57
18 $2,791.40 -$139.57
19 $1,993.48 -$99.67
20 $1,235.45 -$61.77
21 $515.33 -$25.77
22 -$168.78 $8.44
23 -$818.70 $40.93
24 -$1,436.11 $71.81
25 -$2,022.65 $101.13
26 -$2,579.87 $128.99
27 -$3,109.23 $155.46
28 -$3,612.12 $180.61
29 -$4,089.86 $204.49
30 -$4,543.72 $227.19
31 -$4,974.88 $248.74
32 -$5,384.49 $269.22
33 -$5,773.61 $288.68
34 -$6,143.28 $307.16
35 -$6,494.47 $324.72
36 -$6,828.10 $341.40
37 -$7,145.04 $357.25
38 -$7,446.14 $372.31
39 -$7,732.18 $386.61
40 -$8,003.92 $400.20
41 -$8,262.08 $413.10
42 -$8,507.32 $425.37
43 -$8,740.31 $437.02
44 -$8,961.64 $448.08
45 -$9,171.91 $458.60
46 -$9,371.66 $468.58
47 -$9,561.43 $478.07
48 -$9,741.71 $487.09
 PASIVOS
CUENTAS CORRIENTES Y DE AHORROS 27,200.00
OTRAS INVERSIONES 1,600.00

PATRIMONIO 3,200.00
TOTAL PASIVO Y PATRIMONIO 32,000.00

% CLIENTES 50.00%
CAPITAL 17,280.00
INTERES ANUAL 6.00%
INTERES MENSUAL 1.00%
PERIODOS 12
CUOTA 1,487.23

ACIÓN-BANCO
AMORTIZACION CAPITAL CUOTA CAPITAL FINAL
1,314.43 1,487.23 15,965.57
1,327.57 1,487.23 14,638.00
1,340.85 1,487.23 13,297.15
1,354.26 1,487.23 11,942.89
1,367.80 1,487.23 10,575.09
1,381.48 1,487.23 9,193.61
1,395.29 1,487.23 7,798.31
1,409.25 1,487.23 6,389.07
1,423.34 1,487.23 4,965.73
1,437.57 1,487.23 3,528.15
1,451.95 1,487.23 2,076.21
1,466.47 1,487.23 609.7

ACIÓN - CLIENTES
AMORTIZACION CAPITAL CUOTA CAPITAL FINAL
$1,908.35 $658.35 $23,091.65
$1,812.93 $658.35 $21,278.72
$1,722.29 $658.35 $19,556.43
$1,636.17 $658.35 $17,920.26
$1,554.36 $658.35 $16,365.90
$1,476.64 $658.35 $14,889.25
$1,402.81 $658.35 $13,486.44
$1,332.67 $658.35 $12,153.77
$1,266.04 $658.35 $10,887.73
$1,202.74 $658.35 $9,684.99
$1,142.60 $658.35 $8,542.39
$1,085.47 $658.35 $7,456.92
$1,031.20 $658.35 $6,425.73
$979.64 $658.35 $5,446.09
$930.65 $658.35 $4,515.44
$884.12 $658.35 $3,631.31
$839.92 $658.35 $2,791.40
$797.92 $658.35 $1,993.48
$758.02 $658.35 $1,235.45
$720.12 $658.35 $515.33
$684.12 $658.35 -$168.78
$649.91 $658.35 -$818.70
$617.42 $658.35 -$1,436.11
$586.54 $658.35 -$2,022.65
$557.22 $658.35 -$2,579.87
$529.36 $658.35 -$3,109.23
$502.89 $658.35 -$3,612.12
$477.74 $658.35 -$4,089.86
$453.86 $658.35 -$4,543.72
$431.16 $658.35 -$4,974.88
$409.61 $658.35 -$5,384.49
$389.13 $658.35 -$5,773.61
$369.67 $658.35 -$6,143.28
$351.19 $658.35 -$6,494.47
$333.63 $658.35 -$6,828.10
$316.95 $658.35 -$7,145.04
$301.10 $658.35 -$7,446.14
$286.04 $658.35 -$7,732.18
$271.74 $658.35 -$8,003.92
$258.15 $658.35 -$8,262.08
$245.25 $658.35 -$8,507.32
$232.98 $658.35 -$8,740.31
$221.33 $658.35 -$8,961.64
$210.27 $658.35 -$9,171.91
$199.75 $658.35 -$9,371.66
$189.77 $658.35 -$9,561.43
$180.28 $658.35 -$9,741.71
$171.26 $658.35 -$9,912.97
 SIN VARIACIÓN

ESTADO DE RESULTADOS
INTERES GANADO 2721.30
INTERES PAGADO 566.73
MARGEN 2154.57
% MARGEN 0.79

FLUJO DE CAJA
INGRESOS POR CUOTAS COBRADAS $7,900.20
EGRESOS POR CUOTAS PAGADAS $17,846.76
SALDO INMOVILIZADO DE CLIENTES 11520
SUPERAVIT/DEFICIT $1,573.44

Conclusión: Se puede evidenciar que en los valores con variación de un 50 % de clientes que se adhieren al seguro, hay un au
 CON VARIACIÓN

ESTADO DE RESULTADOS
INTERES GANADO -9642.88
INTERES PAGADO 1176.50
MARGEN -10819.37
% MARGEN 1.12

FLUJO DE CAJA
INGRESOS POR CUOTAS COBRADAS $7,900.20
EGRESOS POR CUOTAS PAGADAS 17,846.76
SALDO INMOVILIZADO DE CLIENTES 14400
SUPERAVIT/DEFICIT $4,453.44

un 50 % de clientes que se adhieren al seguro, hay un aumento de aproximadamente $2500.