| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,662,422.40 | 2,419,329.59 | 2,926,318.66 | 4,330,003.48 | 1,336,072.11 | 17,674,146.24 | | Efectivo y Equivalente al Efectivo | 177,741.50 | 98,264.85 | 95,891.57 | 115,011.88 | 151,148.75 | 638,058.56 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 64,774.24 | 0.00 | 0.00 | 0.00 | 64,774.24 | | 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 | 5,646,080.13 | 959,795.76 | 1,556,210.28 | 3,161,566.65 | 943,839.85 | 12,267,492.67 | | Inversiones a costo amortizado | 5,026,711.65 | 954,422.51 | 1,505,158.74 | 3,012,179.35 | 943,839.85 | 11,442,312.10 | | Cartera de Creditos, Neta | 619,368.48 | 5,373.25 | 51,051.54 | 149,387.30 | 0.00 | 825,180.57 | | Primas por Cobrar (neto) | 551,032.48 | 601,543.50 | 721,111.25 | 605,223.62 | 196,465.14 | 2,675,375.99 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 112,751.38 | 370,023.90 | 201,760.54 | 138,726.71 | 7,000.41 | 830,262.94 | | Otras cuentas por cobrar | 25,556.43 | 5,282.89 | 17,891.30 | 23,873.50 | 8,242.68 | 80,846.79 | | 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 | 104,433.99 | 209,963.15 | 163,841.67 | 8,916.27 | 2,224.65 | 489,379.73 | | Activo intangible | 8,261.46 | 19,281.97 | 6,583.69 | 8,578.85 | 4,268.53 | 46,974.49 | | Activo fiscales | 2,339.69 | 0.00 | 9,170.80 | 64,443.26 | 3,331.31 | 79,285.06 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,781.91 | 0.00 | 15,781.91 | | Otros activos | 34,225.35 | 90,399.33 | 151,720.50 | 174,312.75 | 19,550.80 | 470,208.72 | | | | | | | | | PASIVOS | 3,144,625.26 | 1,765,897.85 | 1,908,168.09 | 2,350,021.61 | 975,824.12 | 10,144,536.93 | | Reservas tecnicas | 2,497,087.05 | 970,540.32 | 925,955.77 | 1,493,338.23 | 490,194.04 | 6,377,115.41 | | Reservas de Riesgo en Curso | 582,425.18 | 86,658.30 | 371,284.66 | 717,908.71 | 181,013.39 | 1,939,290.23 | | Reserva Matematica | 576,225.53 | 45,176.68 | 5,001.46 | 41,993.80 | 3,102.28 | 671,499.75 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 188,090.45 | 0.00 | 0.00 | 188,090.45 | | Reservas para siniestros pendientes de liquidación y/o pago | 451,440.81 | 279,722.67 | 169,927.61 | 216,337.13 | 37,203.69 | 1,154,631.90 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 22,557.29 | 13,986.13 | 8,500.90 | 10,816.91 | 1,860.18 | 57,721.42 | | Reservas de Contingencia | 106,882.21 | 396,773.63 | 53,159.04 | 93,904.42 | 176,001.51 | 826,720.82 | | Reservas para Riesgos Catastróficos | 757,556.03 | 148,222.91 | 129,991.65 | 412,377.28 | 91,012.98 | 1,539,160.84 | | 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 | 164,854.81 | 364,029.60 | 527,427.25 | 265,819.83 | 75,094.74 | 1,397,226.24 | | Obligaciones por operaciones de seguro y fianzas | 299,742.57 | 156,068.40 | 134,304.25 | 170,299.25 | 298,976.09 | 1,059,390.56 | | Primas en deposito | 4,385.15 | 56,744.54 | 8,277.77 | 44,571.57 | 9,434.95 | 123,413.98 | | Deposito en garantia por fianzas expedidas | 189,953.57 | 50,092.37 | 54,460.31 | 63,659.95 | 268,592.11 | 626,758.31 | | Acreedores por Primas a devolver | 38,025.67 | 1,754.84 | 0.00 | 20.20 | 0.00 | 39,800.71 | | Comisiones a intermediarios de seguros | 67,378.17 | 47,476.65 | 71,566.17 | 62,047.52 | 20,949.04 | 269,417.56 | | Pasivos financieros a costo amortizado | 0.00 | 3,410.99 | 0.00 | 110,340.54 | 0.00 | 113,751.53 | | 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 | 3,410.99 | 0.00 | 110,340.54 | 0.00 | 113,751.53 | | 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 | 56,412.91 | 200,174.12 | 127,484.68 | 152,418.27 | 25,973.43 | 562,463.41 | | Provisiones Laborales | 49,565.87 | 20,642.49 | 48,222.71 | 50,994.94 | 23,914.54 | 193,340.56 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 76,962.05 | 51,031.92 | 144,773.43 | 106,810.55 | 61,671.28 | 441,249.23 | | | | | | | | | PATRIMONIO | 3,517,797.14 | 653,431.74 | 1,018,150.57 | 1,979,981.87 | 360,247.99 | 7,529,609.30 | | Fondos propios | 3,476,675.19 | 635,062.04 | 982,638.16 | 1,980,668.39 | 360,247.99 | 7,435,291.76 | | Capital social pagado | 438,418.39 | 154,256.38 | 410,399.20 | 449,823.00 | 151,267.00 | 1,604,163.97 | | 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 | 205,470.88 | 127,424.12 | 192,572.45 | 312,259.28 | 63,693.93 | 901,420.67 | | Resultados acumulados | 2,730,691.71 | 341,210.04 | 361,953.51 | 1,170,909.11 | 129,337.35 | 4,734,101.72 | | Resultados del ejercicio | 102,094.21 | 12,171.51 | 17,712.99 | 47,676.63 | 15,949.70 | 195,605.04 | | 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 | 6,662,422.40 | 2,419,329.59 | 2,926,318.66 | 4,330,003.48 | 1,336,072.11 | 17,674,146.24 | | | | | | | | | Cuentas de orden | 657,711,982.61 | 982,563,470.39 | 1,410,829,886.19 | 505,008,991.82 | 313,967,333.00 | 3,870,081,664.02 | | Responsabilidades en vigor | 449,558,402.41 | 513,485,560.53 | 784,758,733.66 | 365,218,023.81 | 203,336,615.74 | 2,316,357,336.15 | | Riesgos cedidos en reaseguro | 201,080,381.73 | 466,971,839.34 | 620,438,765.78 | 137,754,982.18 | 105,102,743.86 | 1,531,348,712.89 | | Responsabilidad por fianzas otorgadas | 612,785.99 | 495,607.57 | 1,737,482.11 | 561,730.74 | 2,324,639.34 | 5,732,245.75 | | Afianzamiento y reafianzamiento cedido | 499,116.74 | 420,931.36 | 1,226,743.79 | 0.00 | 2,020,404.87 | 4,167,196.77 | | Garantias y contragarantias recibidas | 1,939,900.14 | 1,185,359.48 | 2,539,075.27 | 870,639.73 | 1,146,821.85 | 7,681,796.46 | | Documentos y valores en custodia | 3,733,110.43 | 0.00 | 0.00 | 0.00 | 0.00 | 3,733,110.43 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 288,285.17 | 4,099.39 | 129,085.58 | 601,984.58 | 36,107.34 | 1,059,562.06 |
| | 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 ENERO DE 2024 C$ 36.6243 X US$ 1.00 | |
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