| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,662,326.14 | 2,279,066.99 | 2,819,771.20 | 4,311,293.10 | 1,334,000.83 | 17,406,458.25 | | Efectivo y Equivalente al Efectivo | 131,789.92 | 101,363.98 | 28,191.04 | 112,928.65 | 131,388.24 | 505,661.83 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 66,786.73 | 0.00 | 0.00 | 0.00 | 66,786.73 | | 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 | 5,725,804.75 | 955,598.31 | 1,581,119.13 | 3,200,003.34 | 962,124.37 | 12,424,649.89 | | Inversiones a costo amortizado | 5,095,008.34 | 950,157.56 | 1,530,531.01 | 3,051,589.05 | 962,124.37 | 11,589,410.34 | | Cartera de Creditos, Neta | 630,796.41 | 5,440.75 | 50,588.12 | 148,414.28 | 0.00 | 835,239.56 | | Primas por Cobrar (neto) | 509,061.35 | 578,981.73 | 632,291.46 | 615,665.07 | 194,592.25 | 2,530,591.86 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 110,318.56 | 313,167.05 | 225,426.74 | 143,039.12 | 7,860.73 | 799,812.19 | | Otras cuentas por cobrar | 31,120.45 | 5,380.04 | 17,534.04 | 23,724.28 | 8,136.66 | 85,895.47 | | 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 | 113,237.52 | 209,390.40 | 163,835.41 | 8,658.88 | 2,321.93 | 497,444.14 | | Activo intangible | 8,123.41 | 19,972.07 | 6,160.66 | 9,116.68 | 4,165.63 | 47,538.45 | | Activo fiscales | 2,271.47 | 0.00 | 16,352.27 | 7,362.22 | 5,543.62 | 31,529.58 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,788.45 | 0.00 | 14,788.45 | | Otros activos | 30,598.72 | 28,426.67 | 146,723.39 | 162,438.35 | 17,867.40 | 386,054.52 | | | | | | | | | PASIVOS | 3,110,284.48 | 1,623,390.14 | 1,784,495.00 | 2,313,650.75 | 966,686.89 | 9,798,507.26 | | Reservas tecnicas | 2,500,807.80 | 960,332.00 | 903,778.28 | 1,509,705.78 | 495,956.73 | 6,370,580.59 | | Reservas de Riesgo en Curso | 583,710.68 | 86,641.64 | 362,836.68 | 726,355.79 | 182,462.30 | 1,942,007.09 | | Reserva Matematica | 575,726.61 | 45,459.71 | 5,278.45 | 41,964.56 | 3,154.86 | 671,584.18 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 178,322.55 | 0.00 | 0.00 | 178,322.55 | | Reservas para siniestros pendientes de liquidación y/o pago | 457,613.49 | 264,569.78 | 165,892.35 | 223,200.59 | 37,654.14 | 1,148,930.36 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 22,900.42 | 13,228.49 | 8,294.49 | 11,160.09 | 1,882.71 | 57,466.19 | | Reservas de Contingencia | 102,108.89 | 401,096.30 | 52,604.14 | 92,121.98 | 179,209.71 | 827,141.02 | | Reservas para Riesgos Catastróficos | 758,747.71 | 149,336.09 | 130,549.62 | 414,902.77 | 91,593.01 | 1,545,129.19 | | 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 | 155,869.78 | 314,918.78 | 470,136.21 | 285,071.91 | 56,540.68 | 1,282,537.35 | | Obligaciones por operaciones de seguro y fianzas | 286,461.32 | 153,477.31 | 120,673.91 | 158,532.33 | 306,806.17 | 1,025,951.04 | | Primas en deposito | 3,703.54 | 60,041.93 | 6,976.81 | 34,357.15 | 7,979.17 | 113,058.60 | | Deposito en garantia por fianzas expedidas | 184,132.08 | 48,209.74 | 49,774.43 | 63,395.55 | 279,072.87 | 624,584.67 | | Acreedores por Primas a devolver | 37,695.38 | 1,904.78 | 0.00 | 0.44 | 0.00 | 39,600.60 | | Comisiones a intermediarios de seguros | 60,930.33 | 43,320.86 | 63,922.67 | 60,779.20 | 19,754.12 | 248,707.17 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 0.00 | 110,923.92 | 0.00 | 110,923.92 | | 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 | 0.00 | 0.00 | 110,923.92 | 0.00 | 110,923.92 | | 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 | 54,840.32 | 131,697.42 | 130,551.20 | 89,589.68 | 29,780.12 | 436,458.74 | | Provisiones Laborales | 51,839.35 | 21,598.38 | 49,486.68 | 51,629.13 | 24,483.71 | 199,037.26 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 60,465.90 | 41,366.25 | 109,868.73 | 108,197.98 | 53,119.48 | 373,018.35 | | | | | | | | | PATRIMONIO | 3,552,041.66 | 655,676.84 | 1,035,276.20 | 1,997,642.35 | 367,313.94 | 7,607,950.99 | | Fondos propios | 3,510,919.70 | 637,307.14 | 999,763.79 | 1,998,328.87 | 367,313.94 | 7,513,633.45 | | 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 | 136,338.72 | 14,416.61 | 34,838.62 | 65,337.11 | 23,015.66 | 273,946.72 | | 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 | 6,662,326.14 | 2,279,066.99 | 2,819,771.20 | 4,311,293.10 | 1,334,000.83 | 17,406,458.25 | | | | | | | | | Cuentas de orden | 659,118,756.10 | 948,495,998.70 | 1,509,118,996.78 | 512,218,519.93 | 319,112,626.79 | 3,948,064,898.30 | | Responsabilidades en vigor | 451,398,535.01 | 496,745,473.00 | 833,959,123.62 | 370,971,889.97 | 206,469,361.50 | 2,359,544,383.10 | | Riesgos cedidos en reaseguro | 200,467,219.04 | 449,653,590.04 | 669,407,130.82 | 139,665,749.92 | 106,895,455.50 | 1,566,089,145.33 | | Responsabilidad por fianzas otorgadas | 666,533.99 | 489,149.73 | 1,780,413.10 | 495,709.75 | 2,473,258.39 | 5,905,064.96 | | Afianzamiento y reafianzamiento cedido | 542,139.14 | 416,410.87 | 1,298,585.95 | 0.00 | 2,101,983.36 | 4,359,119.32 | | Garantias y contragarantias recibidas | 1,967,389.07 | 1,182,981.00 | 2,543,871.29 | 849,915.36 | 1,158,499.71 | 7,702,656.44 | | Documentos y valores en custodia | 3,784,935.20 | 0.00 | 0.00 | 0.00 | 0.00 | 3,784,935.20 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 292,004.64 | 8,321.33 | 129,872.00 | 233,624.14 | 14,068.34 | 677,890.45 |
| | 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 29 DE FEBRERO DE 2024 C$ 36.6243 X US$ 1.00 | |
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