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Net income from insurance and pension plans (Tables)
 12 Months Ended
Dec. 31, 2017
Net income from insurance and pension plans (Tables) [Abstract]  
Net income from insurance and

11.  Net income from insurance and pension plans

 

 

R$ thousand

Years ended December 31

2017

2016

2015

Written premiums

65,864,591

62,470,571

55,920,681

Supplemental pension plan contributions

5,090,043

3,679,922

3,795,219

Granted coinsurance premiums

(49,715)

(70,862)

(88,612)

Refunded premiums

(667,196)

(746,244)

(522,309)

Net written premiums earned

70,237,723

65,333,387

59,104,979

Reinsurance premiums paid

(191,088)

(306,265)

(344,199)

Premiums retained from insurance and pension plans

70,046,635

65,027,122

58,760,780

 

 

 

 

Changes in the provision for insurance

(30,435,868)

(29,729,884)

(25,528,076)

Changes in the provision for private pension plans

(4,369,903)

(3,052,034)

(2,757,963)

Changes in the technical provisions for insurance and pension plans

(34,805,771)

(32,781,918)

(28,286,039)

 

 

 

 

Reported indemnities

(25,924,687)

(24,877,804)

(21,658,594)

Claims expenses

(36,068)

(119,201)

(69,599)

Recovery of ceded coinsurance

35,332

65,285

87,053

Recovery of reinsurance

116,913

141,711

407,195

Salvage recoveries

488,057

451,930

402,718

Changes in the IBNR provision

(274,509)

(204,354)

(892,816)

Retained claims

(25,594,962)

(24,542,433)

(21,724,043)

 

 

 

 

Commissions on premiums

(2,700,131)

(2,696,002)

(1,985,426)

Recovery of commissions

19,334

29,927

21,700

Fees

(403,835)

(489,279)

(1,201,216)

Brokerage expenses - private pension plans

(153,552)

(167,654)

(188,037)

Changes in deferred commissions

(167,728)

(224,000)

99,786

Selling expenses for insurance and pension plans

(3,405,912)

(3,547,008)

(3,253,193)

 

 

 

 

Net income from insurance and pension plans

6,239,990

4,155,763

5,497,505