| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,217,061.77 | 2,406,712.41 | 2,768,723.52 | 4,290,462.41 | 1,309,866.30 | 16,992,826.41 | | Efectivo y Equivalente al Efectivo | 185,511.98 | 62,222.06 | 118,740.83 | 86,592.73 | 155,224.76 | 608,292.36 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 69,118.84 | 0.00 | 0.00 | 0.00 | 69,118.84 | | Inversiones al valor razonable con cambios en otro resultado integral | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Cartera a costo amortizado | 5,393,269.23 | 1,017,334.75 | 1,437,165.42 | 3,247,089.06 | 866,722.26 | 11,961,580.71 | | Inversiones a costo amortizado | 4,846,588.83 | 1,012,084.61 | 1,378,015.92 | 3,091,484.97 | 866,722.26 | 11,194,896.59 | | Cartera de Creditos, Neta | 546,680.40 | 5,250.14 | 59,149.50 | 155,604.09 | 0.00 | 766,684.12 | | Primas por Cobrar (neto) | 386,794.80 | 504,295.87 | 580,667.69 | 616,868.88 | 215,554.26 | 2,304,181.49 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 77,506.06 | 443,918.33 | 222,369.47 | 148,693.23 | 5,717.67 | 898,204.76 | | Otras cuentas por cobrar | 42,455.47 | 2,717.54 | 9,475.83 | 25,465.55 | 10,648.30 | 90,762.70 | | Activos no corrientes mantenidos para la venta | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Bienes recibidos en recuperación de creditos | 0.00 | 0.00 | 601.63 | 0.00 | 0.00 | 601.63 | | Participaciones en acciones | 0.00 | 0.00 | 3,902.61 | 13,511.61 | 0.00 | 17,414.23 | | Activo material | 79,962.90 | 212,948.24 | 165,923.87 | 10,229.03 | 2,204.40 | 471,268.45 | | Activo intangible | 9,195.17 | 21,093.03 | 6,008.03 | 5,868.66 | 4,986.15 | 47,151.04 | | Activo fiscales | 2,063.31 | 0.00 | 48,105.51 | 31,629.49 | 15,155.35 | 96,953.66 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,290.30 | 0.00 | 15,290.30 | | Otros activos | 40,302.85 | 73,063.75 | 175,762.63 | 89,223.86 | 33,653.15 | 412,006.24 | | | | | | | | | PASIVOS | 2,928,329.52 | 1,743,909.88 | 1,843,855.04 | 2,413,100.83 | 979,342.89 | 9,908,538.17 | | Reservas tecnicas | 2,383,157.70 | 1,032,045.42 | 1,037,050.67 | 1,399,830.75 | 470,531.55 | 6,322,616.08 | | Reservas de Riesgo en Curso | 558,705.30 | 85,172.01 | 395,584.64 | 668,689.28 | 173,683.09 | 1,881,834.32 | | Reserva Matematica | 579,218.72 | 43,593.23 | 4,750.45 | 37,462.90 | 3,057.80 | 668,083.11 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 244,971.53 | 0.00 | 0.00 | 244,971.53 | | Reservas para siniestros pendientes de liquidación y/o pago | 372,509.93 | 362,176.04 | 205,387.91 | 206,748.98 | 37,724.77 | 1,184,547.64 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 18,629.70 | 18,108.80 | 10,270.52 | 10,337.49 | 1,886.24 | 59,232.76 | | Reservas de Contingencia | 108,710.72 | 380,919.43 | 51,287.83 | 86,959.56 | 166,787.18 | 794,664.71 | | Reservas para Riesgos Catastróficos | 745,383.32 | 142,075.91 | 124,797.79 | 389,632.53 | 87,392.47 | 1,489,282.02 | | Reservas de fondos por rentas y pensiones | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Reservas para obligaciones contractuales pendientes de pago | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Instituciones reaseguradoras y reafianzadoras | 114,941.31 | 384,864.22 | 420,048.50 | 238,880.95 | 114,294.48 | 1,273,029.47 | | Obligaciones por operaciones de seguro y fianzas | 233,145.27 | 116,438.42 | 104,090.07 | 152,582.75 | 283,654.35 | 889,910.86 | | Primas en deposito | 3,492.64 | 34,950.53 | 8,152.36 | 28,332.88 | 6,662.93 | 81,591.34 | | Deposito en garantia por fianzas expedidas | 150,646.43 | 48,578.86 | 42,574.13 | 70,761.35 | 255,705.98 | 568,266.75 | | Acreedores por Primas a devolver | 37,927.41 | 2,092.35 | 0.00 | 46.34 | 0.00 | 40,066.10 | | Comisiones a intermediarios de seguros | 41,078.78 | 30,816.67 | 53,363.58 | 53,442.19 | 21,285.44 | 199,986.67 | | Pasivos financieros a costo amortizado | 0.00 | 23,453.17 | 0.00 | 380,429.20 | 0.00 | 403,882.37 | | Obligaciones por emisión de deuda | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Operaciones con valores | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Obligaciones con instituciones financieras y por otros financiamientos | 0.00 | 23,453.17 | 0.00 | 380,429.20 | 0.00 | 403,882.37 | | Acreedores por contratos de arrendamiento financiero | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Pasivos financieros a valor razonable con cambios en resultados | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Pasivos fiscales | 43,013.96 | 129,049.56 | 154,463.78 | 116,406.07 | 39,247.58 | 482,180.95 | | Provisiones Laborales | 69,828.74 | 17,861.45 | 54,799.59 | 57,996.02 | 25,851.04 | 226,336.85 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 84,242.55 | 40,197.64 | 73,402.42 | 66,975.09 | 45,763.89 | 310,581.59 | | | | | | | | | PATRIMONIO | 3,288,732.25 | 662,802.53 | 924,868.48 | 1,877,361.57 | 330,523.40 | 7,084,288.24 | | Fondos propios | 3,247,610.30 | 644,432.83 | 889,356.07 | 1,877,819.36 | 330,523.40 | 6,989,741.96 | | Capital social pagado | 301,437.80 | 154,256.38 | 265,000.00 | 449,823.00 | 151,267.00 | 1,321,784.18 | | Aportes a capitalizar | 0.00 | 0.00 | 0.00 | 0.37 | 0.00 | 0.37 | | Superavit por revaluacion de propiedades, planta y equipo | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Obligaciones convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Reservas patrimoniales | 290,218.68 | 122,388.97 | 167,301.40 | 284,868.90 | 58,638.65 | 923,416.60 | | Resultados acumulados | 2,434,705.91 | 338,009.73 | 379,071.61 | 1,015,696.90 | 100,690.78 | 4,268,174.93 | | Resultados del ejercicio | 221,247.91 | 29,777.76 | 77,983.06 | 127,430.19 | 19,926.97 | 476,365.88 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -457.79 | 0.00 | -457.79 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,217,061.77 | 2,406,712.41 | 2,768,723.52 | 4,290,462.41 | 1,309,866.30 | 16,992,826.41 | | | | | | | | | Cuentas de orden | 600,370,470.60 | 744,138,587.26 | 1,230,059,951.87 | 455,643,925.37 | 361,065,827.73 | 3,391,278,762.83 | | Responsabilidades en vigor | 415,959,271.49 | 393,891,234.99 | 694,823,031.71 | 329,176,113.18 | 232,543,934.43 | 2,066,393,585.80 | | Riesgos cedidos en reaseguro | 180,827,149.95 | 348,073,058.81 | 528,138,309.27 | 124,514,813.54 | 123,973,972.96 | 1,305,527,304.53 | | Responsabilidad por fianzas otorgadas | 652,052.03 | 552,288.45 | 2,573,775.40 | 546,636.44 | 1,873,121.87 | 6,197,874.20 | | Afianzamiento y reafianzamiento cedido | 531,640.85 | 487,107.56 | 2,015,317.34 | 0.00 | 1,591,124.29 | 4,625,190.03 | | Garantias y contragarantias recibidas | 1,807,464.13 | 1,131,214.97 | 2,385,339.42 | 805,717.97 | 1,062,944.35 | 7,192,680.85 | | Documentos y valores en custodia | 334,132.01 | 0.00 | 0.00 | 0.00 | 0.00 | 334,132.01 | | Primas por cobrar retiradas del activo | 0.00 | 72.42 | 0.00 | 0.00 | 0.00 | 72.42 | | Cuentas de registro diversas | 258,760.14 | 3,610.05 | 124,178.74 | 600,644.24 | 20,729.82 | 1,007,922.99 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de éste estado financiero no ha sido auditada. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2023 C$ 36.4719 X US$ 1.00 | |
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