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(In peso for June, 1990)*

1990 **

Personnel compensation

Compensation of the personnel of department of sales

Commercial expenses

The general operational expenses ***





* - Data is counted taking into account it

** - For the November, 1990, given are brought into accord with the prices at that point in time

*** - Figures this line exceed the sums higher, as in the table Is absent some articles of expenses, such as depreciation and amortisation

University (it)

The table gives the chance to be convinced that expenses on one insured

Have considerably decreased by 1987, and then, in a consequence of changes in

The legislation (such, as occurrence of the bill of voluntary savings, Change of rules of transition from one it in another, etc.), has occurred

Increase in expenses. However, as well as in the beginning of functioning of system, in

Dynamics of these expenses should expect certain stabilisation, which in

Combination to reduction under various articles of expenses will lead to decrease

Expenses on one insured.

*it) Structure of expenses *

Dynamics of structure of operational expenses (the basic articles) is shown in the table

2.6 also it is illustrated on the diagramme 2.3.

(In % from the general operational expenses)

1982 1983 1984 1985 1986 1987 1988 1989 1990*

Personnel compensation

25,0 31,0 28,8 28,0 30,4 38,3 18,2 19,8 21,2

Compensation of the personnel of department of sales

10,9 13,4 12,3 14,4 15,2 20,4 8,7 8,1 10,1

Commercial expenses

24,4 9,1 11,5 5,3 2,8 4,0 2,6 2,6 2,5

* - For June, 1990


___ chili_0203.gif (7771 bytes) - the Diagram 2.3

*it) the Parity of number of the personnel and insured *

Changes which are characterised by the relation of number occupied in it to To number insured (this parity represents an indirect indicator, Supplementing stated in the previous section) show that profitability Systems increases throughout 10 years.

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