| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,254,358.92 | 2,302,124.72 | 3,914,753.14 | 4,554,384.52 | 1,499,085.98 | 19,524,707.28 | | Efectivo y Equivalente al Efectivo | 211,049.55 | 149,252.59 | 157,242.88 | 67,238.58 | 190,383.59 | 775,167.18 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 68,986.43 | 0.00 | 0.00 | 0.00 | 68,986.43 | | 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 | 6,115,913.25 | 863,478.77 | 1,586,751.54 | 3,252,844.44 | 1,071,631.08 | 12,890,619.07 | | Inversiones a costo amortizado | 5,419,648.78 | 859,244.67 | 1,546,493.98 | 3,117,521.31 | 1,071,631.08 | 12,014,539.82 | | Cartera de Creditos, Neta | 696,264.47 | 4,234.10 | 40,257.55 | 135,323.14 | 0.00 | 876,079.25 | | Primas por Cobrar (neto) | 579,286.21 | 602,394.29 | 966,609.44 | 771,124.21 | 170,695.06 | 3,090,109.20 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 133,374.75 | 282,413.96 | 762,775.85 | 177,472.01 | 15,028.00 | 1,371,064.58 | | Otras cuentas por cobrar | 33,342.50 | 6,515.93 | 22,696.75 | 9,821.77 | 9,788.12 | 82,165.08 | | 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 | 1,017.00 | 13,568.07 | 0.00 | 14,585.08 | | Activo material | 135,461.35 | 208,941.87 | 170,944.45 | 21,321.73 | 5,152.84 | 541,822.23 | | Activo intangible | 6,604.89 | 20,599.35 | 100,656.73 | 10,669.36 | 3,045.01 | 141,575.35 | | Activo fiscales | 3,157.36 | 242.39 | 7,718.63 | 75,114.79 | 4,660.35 | 90,893.51 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,568.79 | 5,638.20 | 19,206.99 | | Otros activos | 36,169.07 | 99,299.15 | 138,339.86 | 141,640.76 | 23,063.74 | 438,512.57 | | | | | | | | | PASIVOS | 3,342,412.85 | 1,684,611.63 | 2,842,224.53 | 2,721,099.97 | 1,092,795.64 | 11,683,144.62 | | Reservas tecnicas | 2,655,939.57 | 912,009.52 | 1,212,387.22 | 1,850,004.29 | 562,590.64 | 7,192,931.24 | | Reservas de Riesgo en Curso | 653,248.27 | 88,056.42 | 301,338.13 | 857,935.78 | 201,410.94 | 2,101,989.54 | | Reserva Matematica | 583,369.55 | 47,231.75 | 6,141.30 | 51,906.17 | 3,788.92 | 692,437.70 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 179,551.82 | 0.00 | 0.00 | 179,551.82 | | Reservas para siniestros pendientes de liquidación y/o pago | 501,936.75 | 181,669.98 | 512,215.13 | 355,351.28 | 54,569.78 | 1,605,742.93 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 25,144.26 | 9,083.50 | 25,610.76 | 17,767.63 | 2,728.49 | 80,334.63 | | Reservas de Contingencia | 113,998.14 | 425,332.94 | 48,772.55 | 116,253.22 | 206,045.41 | 910,402.25 | | Reservas para Riesgos Catastróficos | 778,242.60 | 160,634.92 | 138,757.53 | 450,790.22 | 94,047.11 | 1,622,472.38 | | 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 | 170,569.95 | 361,212.83 | 946,503.99 | 262,705.20 | 90,249.23 | 1,831,241.20 | | Obligaciones por operaciones de seguro y fianzas | 311,383.32 | 148,407.78 | 179,066.00 | 237,142.70 | 328,734.62 | 1,204,734.42 | | Primas en deposito | 5,583.35 | 55,059.84 | 11,687.96 | 91,029.12 | 6,195.08 | 169,555.35 | | Deposito en garantia por fianzas expedidas | 198,385.75 | 48,612.27 | 80,235.15 | 75,935.65 | 303,438.22 | 706,607.04 | | Acreedores por Primas a devolver | 35,673.36 | 1,207.18 | 0.00 | 7.92 | 0.00 | 36,888.46 | | Comisiones a intermediarios de seguros | 71,740.87 | 43,528.49 | 87,142.89 | 70,170.00 | 19,101.31 | 291,683.56 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 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 | 63,964.76 | 182,155.37 | 135,710.10 | 197,687.31 | 29,274.08 | 608,791.62 | | Provisiones Laborales | 57,717.66 | 22,562.66 | 47,903.63 | 57,631.18 | 28,214.98 | 214,030.11 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 82,837.58 | 58,263.47 | 320,653.59 | 115,929.30 | 53,732.08 | 631,416.03 | | | | | | | | | PATRIMONIO | 3,911,946.07 | 617,513.10 | 1,072,528.61 | 1,833,284.55 | 406,290.34 | 7,841,562.66 | | Fondos propios | 3,870,824.11 | 599,143.40 | 1,037,016.20 | 1,834,226.85 | 406,290.34 | 7,747,500.90 | | Capital social pagado | 438,418.39 | 154,256.38 | 483,098.80 | 449,823.00 | 151,267.00 | 1,676,863.57 | | 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 | 264,981.83 | 136,163.05 | 224,203.04 | 346,023.28 | 72,907.09 | 1,044,278.29 | | Resultados acumulados | 3,067,920.41 | 299,169.91 | 318,420.37 | 980,148.92 | 163,545.24 | 4,829,204.86 | | Resultados del ejercicio | 99,503.48 | 9,554.06 | 11,293.99 | 58,231.27 | 18,571.01 | 197,153.81 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -942.30 | 0.00 | -942.30 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 7,254,358.92 | 2,302,124.72 | 3,914,753.14 | 4,554,384.52 | 1,499,085.98 | 19,524,707.28 | | | | | | | | | Cuentas de orden | 650,418,251.97 | 876,059,252.31 | 1,618,186,820.70 | 525,983,323.98 | 425,172,455.09 | 4,095,820,104.04 | | Responsabilidades en vigor | 455,071,031.85 | 463,146,471.06 | 878,998,293.14 | 405,013,414.10 | 256,868,787.53 | 2,459,097,997.68 | | Riesgos cedidos en reaseguro | 187,540,268.52 | 411,248,526.82 | 733,255,055.34 | 119,432,851.44 | 162,281,778.07 | 1,613,758,480.18 | | Responsabilidad por fianzas otorgadas | 704,598.93 | 400,878.55 | 1,457,766.37 | 543,775.39 | 2,717,042.14 | 5,824,061.38 | | Afianzamiento y reafianzamiento cedido | 574,626.38 | 284,397.62 | 827,041.54 | 0.00 | 2,222,701.72 | 3,908,767.25 | | Garantias y contragarantias recibidas | 2,029,086.27 | 976,052.06 | 3,512,696.02 | 929,656.51 | 1,038,027.67 | 8,485,518.53 | | Documentos y valores en custodia | 4,189,987.75 | 0.00 | 0.00 | 0.00 | 0.00 | 4,189,987.75 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 308,652.27 | 2,853.48 | 135,968.29 | 61,995.75 | 44,117.96 | 553,587.75 |
| | 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 2025 C$ 36.6243 X US$ 1.00 | |
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