NRP-39

TECHNICAL STANDARDS FOR THE SUBMISSION OF INFORMATION BY INSURANCE COMPANIES FOR THE PREPARATION OF STATISTICS ON INSURANCE ACTIVITY

Approval: 17/03/2023
Effective Date: 03/04/2023

THE COMMITTEE OF NORMS OF THE CENTRAL RESERVE BANK OF EL SALVADOR,

CONSIDERING:

I. That Article 86 of the Insurance Companies Law establishes that insurance companies must send to the Superintendent, at the times and in the manner specified by the latter, financial statements, summaries on the number and type of policies issued, net production, reinsurance, cessions, and, in general, any other information that is relevant or necessary to prepare statistics on insurance activity. Likewise, it shall send any information required by the Central Reserve Bank of El Salvador for the fulfillment of its functions.

II. That Article 3, letter c) of the Law on Supervision and Regulation of the Financial System establishes that it is the responsibility of the Superintendent of the Financial System to proactively monitor the risks of the members of the financial system and the manner in which they manage them, ensuring the prudent maintenance of their solvency and liquidity.

III. That Article 32, first paragraph, of the Law on Supervision and Regulation of the Financial System establishes that the Superintendent of the Financial System may require supervised entities direct access to all data, reports, or documents regarding their operations through the means and manner it defines.

IV. That Article 37 of the Law on Supervision and Regulation of the Financial System establishes that supervised entities must facilitate, upon request of the Superintendent of the Financial System, through the means it deems appropriate, without invoking confidentiality or reserve, the examination of their business, acts, operations, assets, books, accounts, files, documents, correspondence, databases, and information systems, in all matters pertinent to the Supervision activity.

V. That Article 88 of the Law on Supervision and Regulation of the Financial System establishes that the Superintendent shall issue a statistical bulletin at least twice a year, containing detailed information on the members of the financial system and the operations they carry out.

VI. That Article 89 of the Law on Supervision and Regulation of the Financial System establishes that the Superintendent of the Financial System must inform the public periodically, through the means it deems appropriate, the objectives and functioning of the financial markets, in order to create financial and pension culture among users.

VII. That Article 99, third paragraph, letters a) and b) of the Law on Supervision and Regulation of the Financial System establishes that it is the responsibility of the Committee of Norms of the Central Reserve Bank of El Salvador to approve technical standards for supervised entities regarding information transparency, as well as for members of the financial system to provide the public with sufficient and timely information on the legal, economic, and financial aspects of each, in accordance with the laws regulating them, as well as on the products and services they offer.

THEREFORE,

in virtue of the regulatory powers conferred by Article 99 of the Law on Supervision and Regulation of the Financial System,

AGREES to issue the following:

TECHNICAL STANDARDS FOR THE SUBMISSION OF INFORMATION BY INSURANCE COMPANIES FOR THE PREPARATION OF STATISTICS ON INSURANCE ACTIVITY

CHAPTER I

OBJECT, SUBJECTS, AND TERMS

Object
Art. 1.- These Standards aim to establish the conditions and requirements that obligated subjects must observe for the submission of information on insurance activity, which they must send periodically to the Superintendent of the Financial System.

Subjects
Art. 2.- The subjects obligated to comply with the provisions established in these Standards are:
a) Insurance companies incorporated in El Salvador; b) Branches of foreign insurance companies established and authorized in the country; and c) Cooperative associations providing insurance services incorporated in the country.

Terms
Art. 3.- For the purposes of these Standards, the terms indicated below have the following meaning:
a) Central Bank: Central Reserve Bank of El Salvador; b) Entity/entities: Subjects obligated as referred to in Article 2 of these Standards; and c) Superintendent: Superintendent of the Financial System.

CHAPTER II

ON THE REQUIRED INFORMATION

On the required information regarding insurance policies and bonds Art. 4.- Entities shall send to the Superintendent files with information related to insurance policies and bonds in accordance with what is established in Annex No. 1 of these Standards. This information must be sent monthly, within the first fifteen business days of each month, with the exception of information regarding the months of June and December, for which the deadline will be twenty and twenty-five business days respectively. (1)

On the required information for the preparation of the insurance statistical yearbook Art. 5.- Entities shall send to the Superintendent files with information related to annual data on premiums, claims, sums insured, mortality, contractual obligations, investments, premiums receivable, commissions, reserves, expenses, among others, in accordance with what is established in Annex No. 2 of these Standards. This information must be sent annually, within the first fifteen business days of the month of March of each year. (1)

On the certification signed by the internal auditor Art. 6.- Additionally, entities must send to the Superintendent a Certification signed by the Internal Auditor of the entity, in which it is verified that the information corresponding to the insurance yearbook has been reconciled with the balances of the Financial Statements that the entity submits for the Statistical Accounting System (SCOES) corresponding to December 31 of each year. This information must be sent annually, within the first ten business days of the month of March of each year.

CHAPTER III

ON THE SUBMISSION OF INFORMATION

Means of information submission
Art. 7.- The submission of information referred to in Articles 4, 5, and 6 of these Standards must be in electronic format through the means determined by the Superintendent, in order to streamline communication with entities and thus offer better quality and ease in the information reception service.

Responsible for sending information
Art. 8.- Entities must appoint a delegate, who will be responsible for the submission of information to the Superintendent, in accordance with what is provided in these Standards. This person will also serve as the liaison with the Superintendent to resolve errors, omissions, and irregularities in the submitted information.

Such designation, as well as any modification thereof, must be officially communicated to the Superintendent within a maximum period of five business days from the date of appointment.

In any case, the entity may appoint a substitute delegate, so that, in the absence of the principal delegate, the activities regulated in these Standards can continue to be carried out. Their appointment shall be made in the same manner as the principal delegate.

The Superintendent will notify entities of the means by which communication with the delegates selected by each entity will be carried out, and will provide the necessary credentials for access to the means defined for the electronic submission of information, within a period of eight business days from the receipt of the communication of the delegates by the entity.

Correction of information
Art. 9.- In the event that there are errors in the information sent to the Superintendent, it may warn entities to correct the deficiencies found. Entities will have a period of five business days counted from the day following the notification to correct the deficiencies or to present the documentation and information required by the Superintendent. Furthermore, if the entity becomes aware of the error, it must communicate it immediately and will have, at most, the same period to correct it.

CHAPTER IV

OTHER PROVISIONS AND EFFECTIVE DATE

Technical details of information submission Art. 10.- The Superintendent will send to the entities, with a copy to the Central Bank, the technical details related to the mechanisms for the submission of the information required in these Standards, which will be communicated within a maximum period of thirty days following the entry into force of these Standards.

The information requests will be limited to the collection of information as regulated in these Standards.

Art. 11.- Entities must implement the necessary mechanisms for the submission of information from Annex No. 1 within a maximum period of thirty days and for the information from Annex No. 2 within a maximum period of ninety days; both periods will be counted from the day following receipt of the technical details from the Superintendent, as referred to in the first paragraph of Article 10 of these Standards.

Art. 12.- The Superintendent will send to the Central Bank, within a period not exceeding ten business days after the deadline established in Article 4 of these Standards, the monthly report on files with information related to insurance policies and bonds, duly processed, in order to generate statistics on financial inclusion.

Sanctions
Art. 13.- Non-compliance with the provisions contained in these Standards will be sanctioned in accordance with what is established in the Law on Supervision and Regulation of the Financial System.

Transitory
Art. 14.- The first submission of the information required in Annex No. 1 of these Standards must be made within the first ten business days of the month of June of the year 2023, with reference to May 31, 2023.

The first submission of the information required in Annex No. 2 of these Standards must be made within the first ten business days of the month of August of the year 2023, and must contain information from January 1, 2022, to December 31, 2022.

Regarding the Internal Auditor's certification referred to in Article 6 of these Standards, the first submission must be made within the first ten business days of the month of August of the year 2023, and must be related to information from January 1, 2022, to December 31, 2022.

Unforeseen Aspects
Art. 15.- Aspects not provided for in the regulatory matter of these Standards will be resolved by the Central Bank through its Committee of Norms.

Effective Date
Art. 16.- These Standards will enter into force on April 3, 2023.

Modifications:
(1) Modifications in Articles 4 and 5, approved by the Central Bank through its Committee of Norms, in Session No. CN-10/2025 of December 17, 2025, with effect from January 2, 2026.

Annex No. 1

XML FILE STRUCTURE

Below is the structure of the XML data files to be submitted by entities for data corresponding to policies.

File 1. Person Information (persona.xml)

No	Column Name	Description
1.1	numero_documento	Document number of the policyholder or insured.
1.2	tipo_documento	Type of identity document of the policyholder or insured (DUI, NIT, Passport, Resident Card).
1.3	numero_cliente	Unique number by which the client is identified.
1.4	tipo_persona	Type of person (natural or legal).
1.5	NIT (which will be required in cases defined by the Tax Administration)	Tax Identification Number. (which will be required in cases defined by the Tax Administration).
1.6	Genero	Gender of the person.
1.7	Nacionalidad	Nationality of the policyholder or insured (Value table will be sent).
1.8	fecha_nacimiento	Date of birth or incorporation of the policyholder or insured.
1.9	primer_apellido	First surname of the policyholder or insured.
1.10	segundo_apellido	Second surname of the policyholder or insured.
1.11	apellido_casada	Married surname of the policyholder or insured.
1.12	primer_nombre	First name of the policyholder or insured.
1.13	segundo_nombre	Second name of the policyholder or insured.
1.14	nombre_sociedad	Name of the legal person policyholder or insured.

File 2. Policy Information (poliza.xml)

No	Column Name	Description
2.1	num_poliza	Policy number.
2.2	tipo_poliza	Type of policy.
2.3	tipo_operacion	Type of operation (I. Initial and R. Renewal).
2.4	tipo_seguro	Type of insurance.
2.5	codigo_comercializador_masivo	Code of the Registry Entry granted by the Superintendent of the Financial System.
2.6	fecha_inicio_vigencia	Policy validity start date.
2.7	fecha_vencimiento_vigencia	Policy expiration date.
2.8	suma_asegurada	Value of the sum insured.
2.9	periodicidad_prima	Periodicity in which the premium is paid.
2.10	valor_prima	Value of the annual premium.
2.11	descripcion_riesgo_cubierto	Brief description of covered risks.
2.12	Primas_cobradas	Premiums collected in the reported period.
2.13	Reaseguro	It will be defined whether the policy has reinsurance or not (1. with Reinsurance and 2. Without Reinsurance).
2.14	valor_prima_pendiente_cobro	Value of premium pending collection.
2.15	valor_primas_vencidas	Value of overdue premiums.
2.16	dias_mora	Days in arrears.
2.17	provision_prima_vencida	Provision for overdue premiums.
2.18	intermediario	It will be defined whether the marketing method of the policy (D.Direct by Office and I.Insurance Intermediary).
2.19	codigo_intermediario_ssf	Code of the Registry Entry granted by the Superintendent of the Financial System.
2.20	valor_comision	Value of the commission paid to the Insurance Intermediary in the reported period.
2.21	monto_siniestros_pagados_mes	Amount of claims paid during the reported month.
2.22	monto_siniestros_pagados	Accumulated amount of claims paid.

File 3. Certificate Information (certificado.xml)

No	Column Name	Description
3.1	num_poliza	Policy number.
3.2	tipo_poliza	Type of policy.
3.3	tipo_seguro	Type of insurance.
3.4	num_certificado	Certificate number.
3.5	numero_documento	Document number of the insured.
3.6	tipo_documento	Type of identity document of the insured.
3.7	Genero	Gender of the insured person.
3.8	fecha_inicio_vigencia	Policy validity start date.
3.9	fecha_vencimiento_vigencia	Policy expiration date.
3.10	suma_asegurada	Value of the sum insured.
3.11	periodicidad_prima	Periodicity in which the premium is paid.
3.12	valor_prima	Value of the annual premium.
3.13	primas_cobradas	Premiums collected in the reported period.
3.14	valor_prima_pendiente_cobro	Value of premium pending collection.
3.15	valor_primas_vencidas	Value of overdue premiums.
3.16	dias_mora	Days in arrears.
3.17	provision_prima_vencida	Provision for overdue premiums.
3.18	monto_siniestros_pagados_mes	Amount of claims paid during the reported month by certificates.
3.19	monto_siniestros_pagados	Accumulated amount of claims paid by certificates.

File 4. Relationship File between Policies and Persons (poliza_persona.xml)

No	Column Name	Description
4.1	num_poliza	Policy number.
4.2	tipo_poliza	Type of policy.
4.3	tipo_seguro	Type of insurance.
4.4	numero_documento	Document number of the policyholder or insured.
4.5	tipo_documento	Type of identity document of the policyholder or insured.
4.6	rol	Role of the person (policyholder or insured).

Annex No. 2

XML FILE STRUCTURE

Below is the structure of the XML data files to be submitted by entities for data corresponding to the Insurance Yearbook.

File 1. Acquisition Expenses. Direct Insurance (gastos_adquisicion.xml)

No.	Column Name	Description
1.1	id_codigo_gasto	Expense code.
1.2	monto_gasto	Expense amount.

File 2. Monthly Report of Direct Insurance for the Lines of Damage and Bonds. (inf_mensual_daños_fianzas.xml)

No.	Column Name	Description
2.1	mes	Month corresponding to report.
2.2	id_codigo_ramo	Line code.
2.3	monto_primas	Premium amount.
2.4	monto_devoluciones	Refund amount.
2.5	numero_siniestros	Number of claims.
2.6	monto_siniestros	Claim amount.

File 3. Monthly Report of Direct Insurance. Personal Insurance (inf_mensual_seguro_personas.xml)

No.	Column Name	Description
3.1	mes	Month corresponding to report.
3.2	id_codigo_ramo	Line code.
3.3	monto_prima	Premium amount.
3.4	monto_devoluciones	Refund amount.
3.5	numero_siniestros	Number of claims.
3.6	monto_siniestros	Claim amounts.
3.7	monto_dotales_vencidas	Amount of mature endowments.
3.8	monto_rescates_pagados_efectivo	Amount of surrenders paid in cash.
3.9	monto_rescates_para_liquidar_prest	Amount of surrenders to settle loans.
3.10	monto_rehabilitacion_poliza	Amount of policy rehabilitation payments liquidated due to exhaustion of surrender value.

File 4. Annual Report of Policy and Sum Insured Movement (Direct Insurance), for the Lines of Personal Accident, Medical - Hospital and Temporary Decreasing (inf_mov_poliza_accidente_med_hosp_temp.xml)

No.	Column Name	Description
4.1	id_codigo_concepto_mov_poliza	Concept code.
4.2	no_poliza_accidente_personal	No. of policies for Personal Accident line.
4.3	no_certif_accidente_personal	No. of certificates for Personal Accident line.
4.4	monto_accidente_personal	Amount for Personal Accident line.
4.5	nopoliza_medico_hospitalario	No. of policies for Medical Hospital line.
4.6	no_certif_medico_hospitalario	No. of certificates for Medical Hospital line.
4.7	monto_medico_hospitalario	Amount for Medical Hospital line.
4.8	no_poliza_temporal_decrec	No. of policies for Temporary Decreasing line.
4.9	no_certif_temporal_decrec	No. of certificates for Temporary Decreasing line.
4.10	monto_temporal_decrec	Amount for Temporary Decreasing line.

File 5. Annual Report of Policy and Sum Insured Movement by Life Individual, Other Plans and Collective Life Line (inf_movimiento_poliza_vida.xml)

No.	Column Name	Description
5.1	id_codigo_ramo	Line code.
5.2	id_codigo_concepto_mov_poliza	Concept code.
5.3	numero_poliza_cartera_envigor	No. of policies for Portfolio in Force.
5.4	monto_suma_aseg_cartera_envigor	Amount of sums insured for Portfolio in Force.
5.5	numero_poliza_salidas_prorrogados	No. of policies for Exits and Extensions.
5.6	monto_suma_aseg_salida_prorrogados	Amount of sums insured for Exits and Extensions.
5.7	monto_suma_adicional	Amount of Additional Sum by dividends or additional benefits.
5.8	numero_poliza_doble_indemnizacion	No. of policies for Double Indemnity.
5.9	monto_doble_indemnizacion	Amount of Double Indemnity policies.
5.10	numero_contratos_cartera_envigor	No. contracts for Portfolio in Force.
5.11	numero_certificados_cartera_envigor	No. Certificates for Portfolio in Force.
5.12	monto_cartera_envigor	Amount for Portfolio in Force.
5.13	numero_contrato_doble_indemnizacion	No. contracts for Double Indemnity.
5.14	numero_certificado_doble_indemnizacion	No. Certificates for Double Indemnity.
5.15	monto_doble_indemnizacion_contrato	Amount of contracts for Double Indemnity.

File 6. Policy and Sum Insured Movements (Direct Insurance) of the Damage and Bonds Line (movimiento_polizas_suma_asegurada.xml)

No.	Column Name	Description
6.1	id_codigo_concepto_mov_poliza	Concept code.
6.2	numero_incendios	Number of fires and associated risks.
6.3	monto_incendios	Amount of fire and associated risks.
6.4	numero_automotores	No. Vehicles.
6.5	monto_automotores	Vehicle amount.
6.6	numero_transporte	No. of transports.
6.7	monto_transporte	Transport amount.
6.8	numero_otros	No. Corresponding to others.
6.9	monto_otros	Other amount.
6.10	numero_fianzas	Number of bonds.
6.11	monto_fianzas	Bond amount.

File 7. Pending Contractual Obligations Direct Insurance (obligacion_pdte_pago.xml)

No.	Column Name	Description
7.1	Tipo	Code for contractual obligations.
7.2	id_codigo_obligacion	Obligation code.
7.3	monto_obligacion	Obligation amount.

File 8. Net Direct Premiums by Type of Risk and Destination of Goods of the Fire and Risk Line (primas_directas_netas.xml)

No.	Column Name	Description
8.1	tipo_prima_siniestro	Code for claim premiums.
8.2	id_codigo_ramo	Line code.
8.3	id_codigo_detalle_ramo	Line detail code.
8.4	monto_incendio	Fire and lightning amount.
8.5	monto_terremoto	Earthquake, tremor or volcanic eruption amount.
8.6	monto_riesgos_anexos	Associated risks amount.

Annex No. 2
NRP-39
INSURANCE COMPANIES FOR THE PREPARATION OF
STATISTICS ON INSURANCE ACTIVITY
Approval: 17/03/2023
Validity: 03/04/2023

File 9. Premiums, Claims and Insured Sums (Direct Insurance) of the Fire and Allied Risks Branch (premiums_claims_branch.xml)

No.	Column Name	Description
9.1	id_branch_code	Branch code.
9.2	id_branch_detail_code	Branch detail code.
9.3	net_premium_value	Net direct premiums less returns and cancellations (including co-insurance).
9.4	number_claims	Number of direct claims, including co-insurance, without adjustments.
9.5	claim_amount	Amount of direct claims, including co-insurance, without adjustments.
9.6	number_insured_sums	Number of insured sums at the end of the fiscal year.
9.7	amount_insured_sums	Amount of insured sums at the end of the fiscal year.

File 10. Mortality by Branch and Age Groups by Cause (branch_mortality_by_age.xml)

No.	Column Name	Description
10.1	id_branch_code	Branch code.
10.2	id_cause_code	Cause code.
10.3	under21	Number of deceased under 21 years.
10.4	from21_to25	Number of deceased between 21 and 25 years.
10.5	from26_to30	Number of deceased between 26 and 30 years.
10.6	from31_to35	Number of deceased between 31 and 35 years.
10.7	from36_to40	Number of deceased between 36 and 40 years.
10.8	from41_to45	Number of deceased between 41 and 45 years.
10.9	from46_to50	Number of deceased between 46 and 50 years.
10.10	from51_to55	Number of deceased between 51 and 55 years.
10.11	from56_to60	Number of deceased between 56 and 60 years.
10.12	from61_to65	Number of deceased between 61 and 65 years.
10.13	from66_and_over	Number of deceased over 66.

File 11. Contains values by branch of: Dividends, Discounts, Premiums, Commissions, Returns, Reinsurance, Claims, Salvage and Claims (branch_value.xml)

No.	Column Name	Description
11.1	id_branch_code	Branch code.
11.2	Dividends	Amount of dividends.
11.3	Discounts	Amount of discounts.
11.4	Premium	Amount of premiums.
11.5	Commission	Amount of acquisition commissions.
11.6	reinsurance_ceded_local	Amount of Commissions for reinsurance ceded received from local societies.
11.7	reinsurance_ceded_ca	Amount of Commissions for reinsurance ceded received from Central American societies.
11.8	reinsurance_ceded_rm	Amount of Commissions for reinsurance ceded received from Rest of World societies.
11.9	reinsurance_taken_local	Amount of Commissions for reinsurance taken paid to local societies.
11.10	reinsurance_taken_ca	Amount of Commissions for reinsurance taken paid to Central American societies.
11.11	reinsurance_taken_rm	Amount of Commissions for reinsurance taken paid to Rest of World societies.
11.12	direct_premium_accrued	Amount of accrued direct premiums.
11.13	coinsurance_premium	Amount of co-insurance premiums.
11.14	return_cancellation	Amount of returns and cancellations.
11.15	direct_claim	Amount of direct claims.
11.16	coinsurance_claim	Amount of co-insurance claims.
11.17	claim_adjustment_expense	Amount of claim adjustment expenses.
11.18	mature_endowments	Amount of mature endowments.
11.19	premium_taken_local	Amount of premiums taken from local societies.
11.20	premium_taken_ca	Amount of premiums taken from Central American societies.
11.21	premium_taken_rm	Amount of premiums taken from Rest of World societies.
11.22	premium_ceded_local	Amount of premiums ceded to local societies.
11.23	premium_ceded_ca	Amount of premiums ceded to Central American societies.
11.24	premium_ceded_rm	Amount of premiums ceded to Rest of World societies.
11.25	direct_salvage	Amount of Salvages and recoveries (Direct Insurance).
11.26	reinsurance_taken_salvage	Amount of Salvages and recoveries (Reinsurance Taken).
11.27	claim_reinsurance_taken_local	Amount of Claims for reinsurance taken paid to local societies.
11.28	claim_reinsurance_taken_ca	Amount of Claims for reinsurance taken paid to Central American societies.
11.29	claim_reinsurance_taken_rm	Amount of Claims for reinsurance taken paid to Rest of World societies.
11.30	claim_reinsurance_ceded_local	Amount of Claims for reinsurance ceded recovered from local societies.
11.31	claim_reinsurance_ceded_ca	Amount of Claims for reinsurance ceded recovered from Central American societies.
11.32	claim_reinsurance_ceded_rm	Amount of Claims for reinsurance ceded recovered from Rest of World societies.
11.33	claim_mature_endowments	Amount of Mature Endowments.
11.34	claim_surrenders	Amount of surrenders.
11.35	claim_annuities	Amount of annuities.
11.36	claim_draws	Amount of draws.
11.37	claim_deaths	Amount of Deaths.

File 12. Net Direct Claims by Type of Risk and Destination of Goods from the Fire and Allied Risks Branch (net_direct_claims.xml)

No.	Column Name	Description
12.1	premium_claim_type	Identifies if it corresponds to premium or claim (2 for claim).
12.2	id_branch_code	Branch code.
12.3	id_branch_detail_code	Branch detail code for Fire and Allied Risks.
12.4	number_fires	Number of fires and lightning.
12.5	amount_fires	Amount of fires and lightning.
12.6	number_earthquakes	Number of earthquakes.
12.7	amount_earthquakes	Amount of earthquakes.
12.8	number_allied_risks	Number of allied risks.
12.9	amount_allied_risks	Amount of allied risks.

File 13. Insured Sums and Number of Policies by Destination of Goods from the Fire and Allied Risks Branch (insured_sum_policy_number.xml)

No.	Column Name	Description
13.1	id_branch_code	Branch code.
13.2	id_branch_detail_code	Branch detail code.
13.3	id_branch_detail_classification_code	Classification code by branch detail (Goods Destination).
13.4	number_fire	Number of fires and allied risks.
13.5	amount_fire	Amount of fires and allied risks.
13.6	number_earthquake	Number of earthquakes.
13.7	amount_earthquake	Amount of earthquakes.
13.8	number_explosions	Number of explosions.
13.9	number_strike	Amount of Strikes, Riots and Civil Commotions.
13.10	number_malicious_act	Number of Malicious Acts.
13.11	number_hurricane	Number of hurricanes, cyclones, hail, strong winds.
13.12	number_others	Number of others.

File 14. Persons Who Worked at the Company and Accrued Salaries (workers_and_salaries.xml)

No.	Column Name	Description
14.1	id_worker_type_code	Code of the type of worker to which the data corresponds.
14.2	total_men	No. Men working at the company.
14.3	salary_men	Men's salary amount.
14.4	total_women	No. Women working at the company.
14.5	salary_women	Women's salary amount.
14.6	total_brokers	No. Insurance brokers working at the company.
14.7	broker_commission	Amount of insurance broker commissions.

File 15. Net direct premiums, direct claims and insured sums by gender and geographic location (net_direct_premiums_geographic.xml)

No.	Column Name	Description
15.1	department_code	Department code.
15.2	id_branch_code	Branch code.
15.3	id_sub_branch_code	Sub-branch code.
15.4	id_person_type	Type of person.
15.5	gender	Gender of the person.
15.6	number_insured	Number of insured.
15.7	premium_amount	Amount of Premiums.
15.8	number_claims	Number of Claims.
15.9	claim_amount	Amount of Claims.
15.10	number_policies_in_force	Number of policies in force.
15.11	amount_insured_sum	Amount of the insured sum.

File 16. Net direct premiums, direct claims, insured sums by vehicle type (net_direct_premiums_vehicle_type.xml)

No.	Column Name	Description
16.1	id_vehicle_type	Vehicle Type.
16.2	number_insured_vehicles	Number of insured vehicles.
16.3	premium_amount	Amount of premiums.
16.4	number_claims_insured	Number of claims.
16.5	claim_amount	Amount of claims.
16.6	number_policies_in_force	Number of policies in force.
16.7	amount_insured_sums	Amount of Insured Sums.

File 17. Claims by branch
(claims.xml)

No.	Column Name	Description
17.1	id_branch_code	Branch code.
17.2	id_branch_accounting_detail	Branch detail according to accounting.
17.3	number_claims	Number of claims.
17.4	claim_amount	Amount of claims.
17.5	number_paid_claims	Number of paid claims.
17.6	amount_paid_insurer	Amount of claims paid by insurer.
17.7	amount_paid_reinsurer	Amount of claims paid by reinsurer.
17.8	total_paid_claims	Total paid claims.
17.9	number_claims_reserve	Number of claims in reserve.
17.10	amount_reserved_insurer	Amount of claims reserved by insurer.
17.11	amount_reserved_reinsurer	Amount of claims reserved by reinsurer.
17.12	total_claims_reserve	Total claims in reserve.
17.13	number_rejected_claims	Number of rejected claims.
17.14	amount_rejected_claims	Amount of rejected claims.