| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 4,502,954.58 | 2,220,850.74 | 1,842,683.86 | 2,935,215.89 | 865,102.70 | 12,366,807.77 | | Efectivo y Equivalente al Efectivo | 131,799.20 | 138,006.31 | 28,801.02 | 43,822.85 | 50,026.23 | 392,455.61 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 3,712,595.68 | 940,355.57 | 766,366.78 | 2,208,115.21 | 629,338.15 | 8,256,771.39 | | Inversiones a costo amortizado | 3,354,693.54 | 937,298.04 | 661,103.43 | 1,954,197.69 | 629,338.15 | 7,536,630.86 | | Cartera de Creditos, Neta | 357,902.14 | 3,057.52 | 105,263.35 | 253,917.52 | 0.00 | 720,140.53 | | Primas por Cobrar (neto) | 382,317.70 | 394,945.51 | 468,061.66 | 443,674.01 | 110,487.05 | 1,799,485.94 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 135,380.36 | 405,681.37 | 32,773.60 | 87,311.19 | 16,630.24 | 677,776.76 | | Otras cuentas por cobrar | 38,852.93 | 16,806.05 | 10,129.12 | 40,361.15 | 17,060.59 | 123,209.84 | | 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 | 249,259.26 | 15,910.30 | 0.00 | 265,169.56 | | Activo material | 77,887.59 | 271,970.81 | 190,366.48 | 21,214.81 | 5,878.54 | 567,318.22 | | Activo intangible | 763.63 | 14,643.74 | 12,825.49 | 6,277.48 | 4,497.02 | 39,007.36 | | Activo fiscales | 1,612.81 | 0.00 | 33,003.61 | 30,241.22 | 10,345.13 | 75,202.76 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 7,300.74 | 0.00 | 7,300.74 | | Otros activos | 21,744.68 | 38,441.37 | 51,096.85 | 30,986.93 | 20,839.76 | 163,109.60 | | | | | | | | | PASIVOS | 2,546,119.92 | 1,487,640.11 | 1,170,477.91 | 1,451,813.89 | 629,815.88 | 7,285,867.71 | | Reservas tecnicas | 1,972,786.52 | 960,602.87 | 671,950.19 | 1,034,578.36 | 341,068.28 | 4,980,986.22 | | Reservas de Riesgo en Curso | 461,312.69 | 110,690.76 | 363,452.57 | 478,480.51 | 135,679.45 | 1,549,615.98 | | Reserva Matematica | 518,632.59 | 33,332.96 | 3,061.53 | 13,069.56 | 2,246.74 | 570,343.38 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 158,105.97 | 0.00 | 0.00 | 158,105.97 | | Reservas para siniestros pendientes de liquidación y/o pago | 261,369.96 | 405,374.65 | 5,464.07 | 180,739.31 | 36,127.32 | 889,075.30 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 13,645.54 | 20,268.72 | 273.18 | 9,037.00 | 1,806.37 | 45,030.80 | | Reservas de Contingencia | 92,522.55 | 281,282.20 | 51,724.28 | 74,301.60 | 108,879.24 | 608,709.88 | | Reservas para Riesgos Catastróficos | 625,303.19 | 109,653.59 | 89,868.59 | 278,950.39 | 56,329.16 | 1,160,104.91 | | 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 | 157,527.41 | 136,520.38 | 188,822.02 | 95,597.54 | 32,693.12 | 611,160.46 | | Obligaciones por operaciones de seguro y fianzas | 141,300.48 | 113,365.04 | 100,454.11 | 75,670.29 | 188,705.66 | 619,495.58 | | Primas en deposito | 4,529.86 | 37,266.45 | 8,930.69 | 12,477.84 | 4,752.30 | 67,957.14 | | Deposito en garantia por fianzas expedidas | 44,900.72 | 54,205.08 | 51,641.36 | 19,395.53 | 169,777.88 | 339,920.57 | | Acreedores por Primas a devolver | 49,384.87 | 0.00 | 0.00 | 62.19 | 328.05 | 49,775.11 | | Comisiones a intermediarios de seguros | 42,485.03 | 21,893.51 | 39,882.06 | 43,734.73 | 13,847.43 | 161,842.76 | | Pasivos financieros a costo amortizado | 0.00 | 87,324.79 | 0.00 | 0.00 | 0.00 | 87,324.79 | | 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 | 87,324.79 | 0.00 | 0.00 | 0.00 | 87,324.79 | | 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 | 48,417.28 | 100,953.73 | 106,647.10 | 116,914.31 | 24,300.23 | 397,232.65 | | Provisiones Laborales | 51,525.08 | 22,673.90 | 36,131.61 | 47,853.56 | 17,639.96 | 175,824.10 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 174,563.16 | 66,199.41 | 66,472.88 | 81,199.84 | 25,408.62 | 413,843.91 | | | | | | | | | PATRIMONIO | 1,956,834.66 | 733,210.63 | 672,205.95 | 1,483,402.00 | 235,286.82 | 5,080,940.06 | | Fondos propios | 1,928,174.15 | 714,840.93 | 642,160.23 | 1,483,402.00 | 235,286.82 | 5,003,864.13 | | Capital social pagado | 214,370.30 | 139,986.52 | 265,000.00 | 317,653.00 | 134,528.00 | 1,071,537.83 | | Aportes a capitalizar | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 154,107.30 | 97,529.63 | 114,024.19 | 280,787.60 | 42,433.69 | 688,882.42 | | Resultados acumulados | 1,193,559.52 | 383,458.24 | 206,101.08 | 570,223.95 | 41,893.61 | 2,395,236.40 | | Resultados del ejercicio | 366,137.03 | 93,866.52 | 57,034.96 | 314,737.46 | 16,431.52 | 848,207.49 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Ajustes de Transición | 28,660.51 | 18,369.70 | 30,045.72 | 0.00 | 0.00 | 77,075.93 | | Total pasivo mas capital | 4,502,954.58 | 2,220,850.74 | 1,842,683.86 | 2,935,215.89 | 865,102.70 | 12,366,807.77 | | | | | | | | | Cuentas de orden | 509,881,342.36 | 1,284,488,512.50 | 1,479,856,257.21 | 350,589,988.57 | 411,319,812.15 | 4,036,135,912.80 | | Responsabilidades en vigor | 362,639,520.88 | 697,207,164.74 | 828,301,388.10 | 253,673,827.11 | 293,957,580.78 | 2,435,779,481.62 | | Riesgos cedidos en reaseguro | 144,937,349.35 | 586,240,073.76 | 647,618,839.16 | 95,795,179.04 | 114,869,098.62 | 1,589,460,539.94 | | Responsabilidad por fianzas otorgadas | 507,491.58 | 171,496.27 | 1,352,796.26 | 350,335.87 | 1,004,978.57 | 3,387,098.56 | | Afianzamiento y reafianzamiento cedido | 367,541.79 | 118,345.64 | 958,379.99 | 97.13 | 793,116.99 | 2,237,481.55 | | Garantias y contragarantias recibidas | 925,601.55 | 748,352.03 | 1,573,392.02 | 745,191.71 | 677,400.58 | 4,669,937.89 | | Documentos y valores en custodia | 379,527.47 | 0.00 | 0.00 | 0.00 | 0.00 | 379,527.47 | | Primas por cobrar retiradas del activo | 0.00 | 67.02 | 0.00 | 0.00 | 0.00 | 67.02 | | Cuentas de registro diversas | 124,309.73 | 3,013.03 | 51,461.67 | 25,357.70 | 17,636.61 | 221,778.74 |
| | 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 30 DE NOVIEMBRE DE 2019 C$ 33.7532 X US$ 1.00 | |
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