| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,510,191.83 | 2,317,730.88 | 2,832,770.41 | 4,068,658.02 | 1,319,389.30 | 17,048,740.44 | | Efectivo y Equivalente al Efectivo | 185,567.72 | 53,654.92 | 119,053.49 | 63,953.80 | 144,245.95 | 566,475.88 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 61,966.10 | 0.00 | 0.00 | 0.00 | 61,966.10 | | 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 | 5,612,465.62 | 974,448.62 | 1,443,356.21 | 3,176,216.71 | 926,056.86 | 12,132,544.01 | | Inversiones a costo amortizado | 4,994,685.15 | 969,103.53 | 1,391,852.14 | 3,026,063.85 | 926,056.86 | 11,307,761.52 | | Cartera de Creditos, Neta | 617,780.47 | 5,345.09 | 51,504.07 | 150,152.87 | 0.00 | 824,782.50 | | Primas por Cobrar (neto) | 435,029.77 | 569,071.22 | 761,896.08 | 541,023.49 | 181,393.99 | 2,488,414.54 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 104,902.56 | 343,288.61 | 161,314.91 | 137,640.29 | 7,147.16 | 754,293.52 | | Otras cuentas por cobrar | 25,693.47 | 2,789.14 | 17,992.66 | 26,177.14 | 8,271.72 | 80,924.13 | | 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 | 1,535.43 | 13,568.07 | 0.00 | 15,103.50 | | Activo material | 100,284.66 | 209,853.55 | 164,264.61 | 9,090.02 | 2,254.22 | 485,747.06 | | Activo intangible | 8,399.51 | 19,364.19 | 6,545.92 | 4,434.82 | 4,378.52 | 43,122.96 | | Activo fiscales | 3,262.17 | 0.00 | 2,893.90 | 59,187.82 | 24,480.05 | 89,823.94 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,626.56 | 0.00 | 15,626.56 | | Otros activos | 34,586.36 | 83,294.54 | 153,315.56 | 21,739.30 | 21,160.84 | 314,096.60 | | | | | | | | | PASIVOS | 3,094,488.90 | 1,676,470.65 | 1,832,332.83 | 2,136,352.77 | 975,091.02 | 9,714,736.18 | | Reservas tecnicas | 2,470,713.13 | 964,675.41 | 943,537.70 | 1,470,351.08 | 483,733.84 | 6,333,011.16 | | Reservas de Riesgo en Curso | 576,812.14 | 86,487.68 | 380,578.58 | 706,921.83 | 177,491.43 | 1,928,291.64 | | Reserva Matematica | 578,341.38 | 45,450.78 | 5,075.84 | 40,537.30 | 3,110.60 | 672,515.90 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 200,234.04 | 0.00 | 0.00 | 200,234.04 | | Reservas para siniestros pendientes de liquidación y/o pago | 432,332.31 | 276,429.96 | 165,596.66 | 213,172.93 | 35,648.30 | 1,123,180.15 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 21,620.27 | 13,821.50 | 8,279.83 | 10,658.70 | 1,782.41 | 56,162.71 | | Reservas de Contingencia | 106,273.64 | 395,449.61 | 54,733.10 | 93,344.73 | 175,592.93 | 825,394.01 | | Reservas para Riesgos Catastróficos | 755,333.40 | 147,035.89 | 129,039.65 | 405,715.61 | 90,108.17 | 1,527,232.71 | | 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 | 113,838.69 | 298,520.15 | 481,264.32 | 104,682.31 | 70,583.72 | 1,068,889.18 | | Obligaciones por operaciones de seguro y fianzas | 285,552.17 | 159,016.93 | 131,524.87 | 146,696.21 | 296,304.17 | 1,019,094.35 | | Primas en deposito | 5,770.04 | 63,088.72 | 7,977.29 | 32,795.78 | 8,895.35 | 118,527.17 | | Deposito en garantia por fianzas expedidas | 181,656.19 | 50,018.10 | 47,746.63 | 59,030.23 | 267,406.59 | 605,857.74 | | Acreedores por Primas a devolver | 37,503.52 | 1,684.40 | 0.00 | 2.01 | 0.00 | 39,189.94 | | Comisiones a intermediarios de seguros | 60,622.42 | 44,225.71 | 75,800.95 | 54,868.20 | 20,002.24 | 255,519.51 | | Pasivos financieros a costo amortizado | 0.00 | 6,805.00 | 0.00 | 144,370.09 | 0.00 | 151,175.09 | | 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 | 6,805.00 | 0.00 | 144,370.09 | 0.00 | 151,175.09 | | 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 | 45,722.32 | 184,364.90 | 125,328.52 | 133,196.23 | 46,053.58 | 534,665.54 | | Provisiones Laborales | 48,176.75 | 18,718.96 | 46,202.24 | 51,436.57 | 23,164.91 | 187,699.44 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 130,485.85 | 44,369.30 | 104,475.19 | 85,620.28 | 55,250.80 | 420,201.41 | | | | | | | | | PATRIMONIO | 3,415,702.93 | 641,260.23 | 1,000,437.58 | 1,932,305.24 | 344,298.28 | 7,334,004.26 | | Fondos propios | 3,374,580.98 | 622,890.53 | 964,925.17 | 1,932,991.76 | 344,298.28 | 7,239,686.72 | | Capital social pagado | 301,437.80 | 154,256.38 | 337,699.60 | 449,823.00 | 151,267.00 | 1,394,483.78 | | 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 | 312,677.51 | 291,450.49 | 1,015,696.90 | 100,690.78 | 4,155,221.59 | | Resultados del ejercicio | 348,218.59 | 33,567.68 | 168,473.67 | 182,602.60 | 33,701.85 | 766,564.39 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -686.52 | 0.00 | -686.52 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,510,191.83 | 2,317,730.88 | 2,832,770.41 | 4,068,658.02 | 1,319,389.30 | 17,048,740.44 | | | | | | | | | Cuentas de orden | 618,394,405.55 | 983,943,665.19 | 1,536,787,007.00 | 489,315,872.24 | 357,207,478.72 | 3,985,648,428.70 | | Responsabilidades en vigor | 429,757,846.58 | 514,241,336.30 | 850,825,265.32 | 354,232,354.70 | 225,013,418.67 | 2,374,070,221.57 | | Riesgos cedidos en reaseguro | 181,589,168.84 | 467,613,753.80 | 680,545,822.30 | 133,222,181.85 | 126,540,874.17 | 1,589,511,800.95 | | Responsabilidad por fianzas otorgadas | 613,667.66 | 486,828.34 | 1,639,323.35 | 425,500.40 | 2,378,495.91 | 5,543,815.66 | | Afianzamiento y reafianzamiento cedido | 502,653.83 | 414,785.90 | 1,148,653.97 | 0.00 | 2,070,102.97 | 4,136,196.67 | | Garantias y contragarantias recibidas | 1,940,234.82 | 1,180,039.33 | 2,499,581.97 | 831,936.38 | 1,167,668.05 | 7,619,460.54 | | Documentos y valores en custodia | 3,706,651.77 | 0.00 | 0.00 | 0.00 | 0.00 | 3,706,651.77 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 284,182.06 | 6,848.80 | 128,360.09 | 602,268.12 | 36,918.96 | 1,058,578.03 |
| | 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 DICIEMBRE DE 2023 C$ 36.6243 X US$ 1.00 | |
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