| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,414,816.41 | 2,431,728.72 | 2,609,217.23 | 4,253,589.53 | 1,248,083.86 | 16,957,435.75 | | Efectivo y Equivalente al Efectivo | 161,733.61 | 97,252.27 | 29,393.23 | 46,409.81 | 121,341.93 | 456,130.85 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 59,807.36 | 0.00 | 0.00 | 0.00 | 59,807.36 | | 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 | 5,586,587.80 | 1,024,343.01 | 1,528,093.81 | 3,386,147.88 | 905,245.29 | 12,430,417.80 | | Inversiones a costo amortizado | 4,996,484.11 | 1,019,054.93 | 1,474,501.85 | 3,234,236.35 | 905,245.29 | 11,629,522.53 | | Cartera de Creditos, Neta | 590,103.69 | 5,288.07 | 53,591.96 | 151,911.54 | 0.00 | 800,895.26 | | Primas por Cobrar (neto) | 392,775.19 | 489,983.25 | 434,368.44 | 501,851.53 | 152,006.92 | 1,970,985.33 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 88,803.84 | 443,734.00 | 178,665.73 | 149,737.94 | 4,719.52 | 865,661.03 | | Otras cuentas por cobrar | 43,771.91 | 2,847.73 | 33,668.60 | 21,787.48 | 10,369.86 | 112,445.57 | | 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 | 13,545.55 | 0.00 | 17,448.16 | | Activo material | 95,379.39 | 211,251.37 | 165,431.47 | 9,606.01 | 2,091.24 | 483,759.48 | | Activo intangible | 8,675.60 | 20,115.75 | 6,156.63 | 5,297.38 | 4,595.49 | 44,840.85 | | Activo fiscales | 2,767.94 | 0.00 | 66,529.85 | 48,952.17 | 20,111.52 | 138,361.48 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,333.42 | 0.00 | 15,333.42 | | Otros activos | 34,321.12 | 82,393.98 | 162,405.23 | 54,920.35 | 27,602.10 | 361,642.79 | | | | | | | | | PASIVOS | 3,021,821.71 | 1,775,258.39 | 1,664,918.94 | 2,355,827.18 | 916,136.30 | 9,733,962.52 | | Reservas tecnicas | 2,436,129.35 | 1,042,124.47 | 973,469.43 | 1,432,305.46 | 479,753.13 | 6,363,781.83 | | Reservas de Riesgo en Curso | 568,449.33 | 85,962.21 | 405,378.38 | 689,463.12 | 175,826.00 | 1,925,079.05 | | Reserva Matematica | 580,192.88 | 44,699.11 | 4,977.42 | 38,526.44 | 3,016.17 | 671,412.03 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 215,830.21 | 0.00 | 0.00 | 215,830.21 | | Reservas para siniestros pendientes de liquidación y/o pago | 409,285.66 | 358,534.19 | 157,920.42 | 205,056.50 | 34,525.10 | 1,165,321.87 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 20,466.24 | 17,926.71 | 7,897.03 | 10,252.87 | 1,726.25 | 58,269.11 | | Reservas de Contingencia | 106,429.47 | 390,038.36 | 54,455.21 | 90,390.60 | 175,688.98 | 817,002.62 | | Reservas para Riesgos Catastróficos | 751,305.76 | 144,963.88 | 127,010.75 | 398,615.93 | 88,970.62 | 1,510,866.94 | | 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 | 116,993.36 | 354,708.25 | 299,303.59 | 122,759.15 | 60,729.53 | 954,493.88 | | Obligaciones por operaciones de seguro y fianzas | 262,745.89 | 116,928.34 | 108,932.97 | 148,207.95 | 260,473.40 | 897,288.54 | | Primas en deposito | 3,214.26 | 35,715.09 | 6,635.67 | 32,887.92 | 6,816.66 | 85,269.60 | | Deposito en garantia por fianzas expedidas | 172,282.65 | 49,574.78 | 50,955.71 | 65,652.13 | 235,456.10 | 573,921.37 | | Acreedores por Primas a devolver | 37,651.02 | 1,955.30 | 0.00 | 0.00 | 0.00 | 39,606.32 | | Comisiones a intermediarios de seguros | 49,597.96 | 29,683.16 | 51,341.60 | 49,667.89 | 18,200.64 | 198,491.25 | | Pasivos financieros a costo amortizado | 0.00 | 13,526.24 | 0.00 | 393,882.64 | 0.00 | 407,408.88 | | 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 | 13,526.24 | 0.00 | 393,882.64 | 0.00 | 407,408.88 | | 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 | 44,514.25 | 172,770.15 | 148,778.55 | 118,289.95 | 37,948.64 | 522,301.55 | | Provisiones Laborales | 73,399.01 | 20,987.74 | 56,869.25 | 59,691.19 | 27,746.87 | 238,694.06 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 88,039.85 | 54,213.21 | 77,565.15 | 80,690.84 | 49,484.73 | 349,993.78 | | | | | | | | | PATRIMONIO | 3,392,994.70 | 656,470.32 | 944,298.30 | 1,897,762.34 | 331,947.56 | 7,223,473.22 | | Fondos propios | 3,351,872.75 | 638,100.63 | 908,785.89 | 1,898,220.13 | 331,947.56 | 7,128,926.95 | | 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 | 325,510.36 | 23,445.55 | 97,412.88 | 147,830.96 | 21,351.12 | 615,550.87 | | 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 | 6,414,816.41 | 2,431,728.72 | 2,609,217.23 | 4,253,589.53 | 1,248,083.86 | 16,957,435.75 | | | | | | | | | Cuentas de orden | 616,474,933.28 | 901,584,000.38 | 1,303,598,095.63 | 484,307,266.16 | 349,464,507.73 | 3,655,428,803.18 | | Responsabilidades en vigor | 425,543,952.86 | 473,041,824.20 | 733,094,964.46 | 348,591,225.78 | 219,624,941.76 | 2,199,896,909.06 | | Riesgos cedidos en reaseguro | 183,747,604.49 | 426,278,499.66 | 564,631,174.66 | 133,754,410.05 | 124,838,160.63 | 1,433,249,849.49 | | Responsabilidad por fianzas otorgadas | 691,457.56 | 568,231.71 | 2,051,801.85 | 529,090.99 | 2,117,937.40 | 5,958,519.52 | | Afianzamiento y reafianzamiento cedido | 571,995.36 | 498,520.26 | 1,538,910.32 | 0.00 | 1,753,949.14 | 4,363,375.08 | | Garantias y contragarantias recibidas | 1,944,853.77 | 1,189,999.65 | 2,154,683.09 | 825,099.33 | 1,110,077.89 | 7,224,713.73 | | Documentos y valores en custodia | 3,702,779.56 | 0.00 | 0.00 | 0.00 | 0.00 | 3,702,779.56 | | Primas por cobrar retiradas del activo | 0.00 | 72.60 | 0.00 | 1,612.76 | 0.00 | 1,685.37 | | Cuentas de registro diversas | 272,289.68 | 6,852.30 | 126,561.25 | 605,827.24 | 19,440.90 | 1,030,971.37 |
| | 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 OCTUBRE DE 2023 C$ 36.5635 X US$ 1.00 | |
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