| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 5,763,922.22 | 2,425,501.49 | 2,460,295.20 | 3,568,559.61 | 1,182,795.44 | 15,401,073.97 | | Efectivo y Equivalente al Efectivo | 255,296.67 | 81,333.36 | 119,174.33 | 337,909.06 | 117,687.06 | 911,400.48 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 61,896.62 | 0.00 | 0.00 | 0.00 | 61,896.62 | | 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 | 4,925,101.55 | 1,077,626.25 | 1,169,675.78 | 2,440,499.45 | 801,760.88 | 10,414,663.91 | | Inversiones a costo amortizado | 4,544,696.33 | 1,073,205.21 | 1,099,950.79 | 2,267,093.93 | 801,760.88 | 9,786,707.14 | | Cartera de Creditos, Neta | 380,405.22 | 4,421.05 | 69,724.99 | 173,405.51 | 0.00 | 627,956.77 | | Primas por Cobrar (neto) | 342,597.23 | 665,594.69 | 440,886.95 | 458,491.27 | 185,359.96 | 2,092,930.11 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 74,962.31 | 239,712.36 | 118,144.72 | 149,843.08 | 13,450.47 | 596,112.94 | | Otras cuentas por cobrar | 35,572.43 | 1,590.56 | 8,836.31 | 27,776.01 | 19,508.39 | 93,283.69 | | 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 | 1,203.26 | 0.00 | 0.00 | 1,203.26 | | Participaciones en acciones | 0.00 | 0.00 | 264,208.04 | 13,311.56 | 0.00 | 277,519.60 | | Activo material | 77,977.63 | 226,588.75 | 164,692.42 | 10,879.37 | 3,171.66 | 483,309.83 | | Activo intangible | 10,746.31 | 19,223.17 | 8,034.35 | 9,750.11 | 1,756.20 | 49,510.15 | | Activo fiscales | 1,405.95 | 0.00 | 24,511.23 | 29,763.37 | 10,179.46 | 65,860.02 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 12,821.72 | 0.00 | 12,821.72 | | Otros activos | 40,262.15 | 51,935.71 | 140,927.80 | 77,514.62 | 29,921.36 | 340,561.64 | | | | | | | | | PASIVOS | 2,857,387.11 | 1,677,272.33 | 1,528,922.66 | 1,866,506.44 | 875,521.28 | 8,805,609.82 | | Reservas tecnicas | 2,220,759.52 | 785,300.89 | 991,329.00 | 1,299,458.92 | 433,777.21 | 5,730,625.53 | | Reservas de Riesgo en Curso | 526,232.43 | 80,103.60 | 374,405.88 | 590,361.13 | 165,493.65 | 1,736,596.69 | | Reserva Matematica | 570,324.88 | 39,888.82 | 4,060.28 | 26,748.03 | 3,668.14 | 644,690.16 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 244,806.89 | 0.00 | 0.00 | 244,806.89 | | Reservas para siniestros pendientes de liquidación y/o pago | 295,636.60 | 177,825.97 | 188,810.70 | 225,830.48 | 40,932.64 | 929,036.39 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 15,881.58 | 8,891.30 | 9,441.78 | 11,291.56 | 2,046.63 | 47,552.86 | | Reservas de Contingencia | 97,039.29 | 345,832.14 | 54,880.40 | 79,129.79 | 140,749.99 | 717,631.61 | | Reservas para Riesgos Catastróficos | 715,644.74 | 132,759.04 | 114,923.07 | 366,097.92 | 80,886.16 | 1,410,310.93 | | 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 | 101,023.99 | 548,133.00 | 210,716.60 | 134,338.25 | 92,929.14 | 1,087,140.98 | | Obligaciones por operaciones de seguro y fianzas | 201,488.23 | 103,438.52 | 111,003.34 | 110,805.67 | 252,649.30 | 779,385.07 | | Primas en deposito | 2,819.60 | 36,333.48 | 7,592.19 | 20,237.68 | 10,103.16 | 77,086.11 | | Deposito en garantia por fianzas expedidas | 122,205.04 | 44,692.11 | 60,717.77 | 46,005.36 | 225,051.72 | 498,672.01 | | Acreedores por Primas a devolver | 32,264.09 | 1,455.98 | 0.00 | 3.31 | 0.00 | 33,723.39 | | Comisiones a intermediarios de seguros | 44,199.50 | 20,956.95 | 42,693.38 | 44,559.32 | 17,494.42 | 169,903.56 | | Pasivos financieros a costo amortizado | 0.00 | 61,076.88 | 0.00 | 0.00 | 0.00 | 61,076.88 | | 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 | 61,076.88 | 0.00 | 0.00 | 0.00 | 61,076.88 | | 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 | 39,302.49 | 119,161.75 | 108,351.55 | 103,078.88 | 31,512.59 | 401,407.26 | | Provisiones Laborales | 68,289.53 | 20,946.64 | 49,638.75 | 49,074.81 | 21,257.16 | 209,206.89 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 226,523.36 | 39,214.64 | 57,883.41 | 169,749.91 | 43,395.88 | 536,767.20 | | | | | | | | | PATRIMONIO | 2,906,535.10 | 748,229.16 | 931,372.54 | 1,702,053.17 | 307,274.17 | 6,595,464.14 | | Fondos propios | 2,865,413.15 | 729,859.46 | 895,860.13 | 1,701,162.83 | 307,274.17 | 6,499,569.74 | | Capital social pagado | 301,437.80 | 146,987.40 | 265,000.00 | 449,823.00 | 145,305.00 | 1,308,553.20 | | 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 | 237,108.05 | 120,185.94 | 153,107.25 | 263,319.99 | 55,448.76 | 829,169.98 | | Resultados acumulados | 2,133,745.68 | 415,606.08 | 423,393.17 | 893,586.44 | 102,976.69 | 3,969,308.05 | | Resultados del ejercicio | 193,121.62 | 47,080.05 | 54,359.72 | 94,433.03 | 3,543.72 | 392,538.14 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | 890.34 | 0.00 | 890.34 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 5,763,922.22 | 2,425,501.49 | 2,460,295.20 | 3,568,559.61 | 1,182,795.44 | 15,401,073.97 | | | | | | | | | Cuentas de orden | 548,405,909.30 | 685,871,303.42 | 1,152,749,872.65 | 451,031,043.77 | 344,832,161.26 | 3,182,890,290.39 | | Responsabilidades en vigor | 383,977,728.68 | 362,656,443.52 | 651,020,823.68 | 316,084,538.35 | 212,564,482.88 | 1,926,304,017.12 | | Riesgos cedidos en reaseguro | 160,610,986.86 | 321,001,932.11 | 495,774,328.29 | 133,875,852.78 | 128,508,351.63 | 1,239,771,451.68 | | Responsabilidad por fianzas otorgadas | 778,043.75 | 549,435.09 | 2,149,418.73 | 344,919.01 | 1,580,788.47 | 5,402,605.05 | | Afianzamiento y reafianzamiento cedido | 647,139.17 | 484,580.29 | 1,692,421.25 | 0.00 | 1,141,998.41 | 3,966,139.12 | | Garantias y contragarantias recibidas | 1,941,725.86 | 1,177,942.23 | 1,997,563.32 | 693,276.72 | 1,006,757.08 | 6,817,265.21 | | Documentos y valores en custodia | 324,927.57 | 0.00 | 0.00 | 0.00 | 0.00 | 324,927.57 | | Primas por cobrar retiradas del activo | 0.00 | 71.35 | 0.00 | 0.00 | 0.00 | 71.35 | | Cuentas de registro diversas | 125,357.40 | 898.84 | 115,317.37 | 32,456.90 | 29,782.80 | 303,813.31 |
| | 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 2022 C$ 35.9319 X US$ 1.00 | |
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