| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,865,685.31 | 2,505,197.03 | 2,835,156.63 | 4,817,098.01 | 1,451,655.00 | 18,474,791.98 | | Efectivo y Equivalente al Efectivo | 182,729.19 | 186,116.06 | 46,606.87 | 87,081.29 | 172,529.18 | 675,062.58 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 66,927.14 | 0.00 | 0.00 | 0.00 | 66,927.14 | | 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 | 5,934,405.33 | 832,481.43 | 1,493,315.29 | 3,593,761.93 | 997,395.23 | 12,851,359.21 | | Inversiones a costo amortizado | 5,267,890.33 | 828,561.03 | 1,447,483.43 | 3,449,550.30 | 997,395.23 | 11,990,880.32 | | Cartera de Creditos, Neta | 666,514.99 | 3,920.40 | 45,831.86 | 144,211.64 | 0.00 | 860,478.89 | | Primas por Cobrar (neto) | 417,472.96 | 725,649.99 | 566,420.12 | 763,409.95 | 198,415.01 | 2,671,368.03 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 119,435.97 | 382,951.20 | 261,758.65 | 152,068.46 | 6,140.19 | 922,354.47 | | Otras cuentas por cobrar | 33,979.47 | 5,932.01 | 21,748.02 | 35,566.55 | 8,688.47 | 105,914.53 | | 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 | 0.00 | 0.00 | 0.00 | 0.00 | | Participaciones en acciones | 0.00 | 0.00 | 1,535.43 | 13,568.07 | 0.00 | 15,103.50 | | Activo material | 117,934.26 | 208,632.48 | 168,714.03 | 9,548.76 | 5,163.45 | 509,992.98 | | Activo intangible | 7,433.18 | 21,383.55 | 18,359.18 | 2,201.82 | 3,633.93 | 53,011.66 | | Activo fiscales | 2,768.69 | 0.00 | 51,888.25 | 39,034.06 | 20,618.52 | 114,309.52 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,408.91 | 5,573.24 | 20,982.15 | | Otros activos | 49,526.28 | 75,123.17 | 204,810.77 | 105,448.21 | 33,497.78 | 468,406.21 | | | | | | | | | PASIVOS | 3,228,390.83 | 1,917,483.62 | 1,775,630.39 | 2,769,653.32 | 1,077,587.61 | 10,768,745.76 | | Reservas tecnicas | 2,592,201.57 | 969,654.16 | 901,085.85 | 1,663,863.98 | 531,478.98 | 6,658,284.55 | | Reservas de Riesgo en Curso | 612,117.76 | 86,890.22 | 335,023.42 | 772,607.19 | 194,780.24 | 2,001,418.83 | | Reserva Matematica | 583,090.94 | 44,872.08 | 5,845.28 | 47,661.74 | 3,431.58 | 684,901.62 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 172,039.91 | 0.00 | 0.00 | 172,039.91 | | Reservas para siniestros pendientes de liquidación y/o pago | 497,197.39 | 257,370.04 | 190,642.98 | 294,444.74 | 48,586.08 | 1,288,241.23 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 24,897.39 | 12,868.50 | 9,531.70 | 14,722.29 | 2,429.30 | 64,449.18 | | Reservas de Contingencia | 106,822.62 | 412,777.23 | 54,334.10 | 105,864.17 | 188,918.17 | 868,716.29 | | Reservas para Riesgos Catastróficos | 768,075.49 | 154,876.09 | 133,668.45 | 428,563.85 | 93,333.61 | 1,578,517.49 | | 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 | 184,112.58 | 552,097.89 | 468,336.49 | 332,287.54 | 116,575.78 | 1,653,410.28 | | Obligaciones por operaciones de seguro y fianzas | 266,978.83 | 156,549.72 | 121,055.91 | 191,566.48 | 312,503.69 | 1,048,654.62 | | Primas en deposito | 4,885.79 | 68,519.26 | 7,950.02 | 61,263.90 | 7,311.34 | 149,930.31 | | Deposito en garantia por fianzas expedidas | 179,559.29 | 50,531.44 | 61,527.27 | 71,867.23 | 284,356.20 | 647,841.43 | | Acreedores por Primas a devolver | 38,888.86 | 2,702.71 | 0.00 | 9.59 | 0.00 | 41,601.17 | | Comisiones a intermediarios de seguros | 43,644.89 | 34,796.30 | 51,578.62 | 58,425.76 | 20,836.15 | 209,281.72 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 0.00 | 286,631.94 | 0.00 | 286,631.94 | | 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 | 286,631.94 | 0.00 | 286,631.94 | | 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 | 56,290.15 | 159,459.12 | 125,058.03 | 140,279.46 | 45,512.02 | 526,598.79 | | Provisiones Laborales | 58,369.18 | 23,695.91 | 53,908.54 | 59,623.73 | 29,034.98 | 224,632.34 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 70,438.52 | 56,026.82 | 106,185.57 | 95,400.18 | 42,482.16 | 370,533.25 | | | | | | | | | PATRIMONIO | 3,637,294.48 | 587,713.41 | 1,059,526.24 | 2,047,444.70 | 374,067.38 | 7,706,046.21 | | Fondos propios | 3,596,172.53 | 569,343.71 | 1,024,013.83 | 2,048,131.22 | 374,067.38 | 7,611,728.67 | | 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 | 249,649.29 | 316,887.49 | 1,170,909.11 | 111,337.35 | 4,579,474.95 | | Resultados del ejercicio | 221,591.55 | 38,013.93 | 104,154.68 | 115,139.45 | 47,769.10 | 526,668.72 | | 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 | 6,865,685.31 | 2,505,197.03 | 2,835,156.63 | 4,817,098.01 | 1,451,655.00 | 18,474,791.98 | | | | | | | | | Cuentas de orden | 657,665,700.85 | 745,271,914.62 | 1,281,663,262.31 | 520,356,885.80 | 358,444,881.77 | 3,563,402,645.34 | | Responsabilidades en vigor | 456,645,722.93 | 396,385,886.60 | 713,392,127.72 | 382,723,464.73 | 220,659,984.44 | 2,169,807,186.42 | | Riesgos cedidos en reaseguro | 193,340,575.15 | 347,228,102.16 | 562,639,455.06 | 135,714,743.78 | 132,263,293.10 | 1,371,186,169.24 | | Responsabilidad por fianzas otorgadas | 647,933.87 | 376,780.59 | 1,660,831.15 | 550,750.11 | 2,430,911.24 | 5,667,206.96 | | Afianzamiento y reafianzamiento cedido | 525,736.89 | 303,143.20 | 1,121,120.56 | 0.00 | 2,043,418.20 | 3,993,418.84 | | Garantias y contragarantias recibidas | 1,962,177.72 | 972,385.60 | 2,715,234.71 | 878,464.46 | 1,000,680.30 | 7,528,942.80 | | Documentos y valores en custodia | 4,242,474.21 | 0.00 | 0.00 | 0.00 | 0.00 | 4,242,474.21 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 301,080.09 | 5,543.74 | 134,493.11 | 487,831.93 | 46,594.50 | 975,543.37 |
| | 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 JULIO DE 2024 C$ 36.6243 X US$ 1.00 | |
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