| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,626,315.85 | 2,235,618.03 | 2,834,256.66 | 4,242,694.00 | 1,319,226.43 | 17,258,110.97 | | Efectivo y Equivalente al Efectivo | 160,424.61 | 29,934.68 | 55,699.11 | 80,811.14 | 135,023.56 | 461,893.10 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 69,594.86 | 0.00 | 0.00 | 0.00 | 69,594.86 | | 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 | 5,709,416.72 | 950,535.04 | 1,589,634.92 | 3,135,305.94 | 958,223.80 | 12,343,116.42 | | Inversiones a costo amortizado | 5,069,568.80 | 945,187.85 | 1,539,604.49 | 2,987,770.48 | 958,223.80 | 11,500,355.41 | | Cartera de Creditos, Neta | 639,847.93 | 5,347.19 | 50,030.43 | 147,535.46 | 0.00 | 842,761.01 | | Primas por Cobrar (neto) | 470,094.10 | 545,465.43 | 594,600.77 | 657,846.42 | 181,759.51 | 2,449,766.22 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 107,211.09 | 370,675.43 | 239,050.17 | 136,080.77 | 6,556.34 | 859,573.81 | | Otras cuentas por cobrar | 27,077.75 | 2,995.57 | 17,767.11 | 22,036.52 | 7,773.36 | 77,650.30 | | 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 | 115,672.44 | 209,066.49 | 164,057.65 | 8,506.85 | 2,375.35 | 499,678.78 | | Activo intangible | 7,985.36 | 20,846.07 | 6,010.29 | 8,672.71 | 4,055.64 | 47,570.07 | | Activo fiscales | 2,024.35 | 0.00 | 22,656.13 | 13,006.91 | 8,159.81 | 45,847.20 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,267.21 | 0.00 | 15,267.21 | | Otros activos | 26,409.44 | 36,504.46 | 142,643.45 | 151,591.44 | 15,299.07 | 372,447.87 | | | | | | | | | PASIVOS | 3,052,275.54 | 1,573,707.05 | 1,752,152.62 | 2,226,657.70 | 982,159.38 | 9,586,952.29 | | Reservas tecnicas | 2,523,802.06 | 993,846.48 | 912,129.91 | 1,525,405.22 | 505,343.54 | 6,460,527.21 | | Reservas de Riesgo en Curso | 584,922.10 | 86,499.02 | 353,935.92 | 723,123.37 | 182,963.87 | 1,931,444.27 | | Reserva Matematica | 576,337.67 | 46,022.05 | 5,419.37 | 42,863.94 | 3,221.13 | 673,864.16 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 173,310.86 | 0.00 | 0.00 | 173,310.86 | | Reservas para siniestros pendientes de liquidación y/o pago | 477,988.74 | 290,825.02 | 187,511.48 | 238,308.58 | 41,511.04 | 1,236,144.87 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 23,937.35 | 14,541.25 | 9,364.18 | 11,915.50 | 2,075.55 | 61,833.83 | | Reservas de Contingencia | 100,757.85 | 405,218.90 | 51,469.52 | 92,090.82 | 182,894.34 | 832,431.42 | | Reservas para Riesgos Catastróficos | 759,858.34 | 150,740.24 | 131,118.58 | 417,103.02 | 92,677.61 | 1,551,497.80 | | 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 | 88,269.97 | 251,421.08 | 412,334.88 | 288,964.94 | 62,648.38 | 1,103,639.25 | | Obligaciones por operaciones de seguro y fianzas | 275,757.48 | 127,779.15 | 113,723.34 | 150,873.83 | 301,804.80 | 969,938.60 | | Primas en deposito | 3,733.54 | 39,323.11 | 8,275.78 | 41,244.52 | 10,025.26 | 102,602.21 | | Deposito en garantia por fianzas expedidas | 174,198.70 | 47,795.77 | 47,679.82 | 49,124.76 | 272,377.82 | 591,176.87 | | Acreedores por Primas a devolver | 39,495.33 | 1,825.25 | 0.00 | 0.00 | 0.00 | 41,320.58 | | Comisiones a intermediarios de seguros | 58,329.91 | 38,835.01 | 57,767.74 | 60,504.54 | 19,401.73 | 234,838.93 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 55,189.75 | 0.00 | 0.00 | 55,189.75 | | Obligaciones por emisión de deuda | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Operaciones con valores | 0.00 | 0.00 | 55,189.75 | 0.00 | 0.00 | 55,189.75 | | Obligaciones con instituciones financieras y por otros financiamientos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 49,363.46 | 125,611.10 | 106,905.78 | 104,108.36 | 36,885.41 | 422,874.11 | | Provisiones Laborales | 52,596.90 | 23,370.87 | 51,702.91 | 53,516.92 | 24,990.57 | 206,178.17 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 62,485.67 | 51,678.38 | 100,166.05 | 103,788.43 | 50,486.68 | 368,605.20 | | | | | | | | | PATRIMONIO | 3,574,040.31 | 661,910.98 | 1,082,104.04 | 2,016,036.30 | 337,067.05 | 7,671,158.68 | | Fondos propios | 3,532,918.36 | 643,541.28 | 1,046,591.63 | 2,016,722.82 | 337,067.05 | 7,576,841.14 | | 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 | 390,136.09 | 1,170,909.11 | 111,337.35 | 4,744,284.30 | | Resultados del ejercicio | 158,337.37 | 20,650.75 | 53,483.89 | 83,731.06 | 10,768.77 | 326,971.84 | | 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 | 6,626,315.85 | 2,235,618.03 | 2,834,256.66 | 4,242,694.00 | 1,319,226.43 | 17,258,110.97 | | | | | | | | | Cuentas de orden | 645,711,008.00 | 936,271,757.73 | 1,626,309,072.18 | 511,630,195.23 | 360,035,617.12 | 4,079,957,650.26 | | Responsabilidades en vigor | 445,670,467.63 | 490,844,078.97 | 892,490,926.01 | 373,104,116.34 | 227,556,391.68 | 2,429,665,980.63 | | Riesgos cedidos en reaseguro | 192,873,264.33 | 443,318,995.84 | 727,978,667.37 | 137,134,549.44 | 126,672,150.57 | 1,627,977,627.55 | | Responsabilidad por fianzas otorgadas | 628,278.80 | 501,265.14 | 1,789,002.58 | 522,846.57 | 2,492,703.27 | 5,934,096.37 | | Afianzamiento y reafianzamiento cedido | 506,142.55 | 424,891.66 | 1,290,034.20 | 0.00 | 2,162,052.31 | 4,383,120.71 | | Garantias y contragarantias recibidas | 1,962,219.14 | 1,174,193.99 | 2,563,632.29 | 829,922.33 | 1,106,173.98 | 7,636,141.72 | | Documentos y valores en custodia | 3,777,939.77 | 0.00 | 0.00 | 0.00 | 0.00 | 3,777,939.77 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 292,695.79 | 8,259.40 | 196,809.73 | 37,129.76 | 46,145.32 | 581,040.00 |
| | 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 MARZO DE 2024 C$ 36.6243 X US$ 1.00 | |
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