| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,197,268.85 | 2,394,226.10 | 2,660,269.09 | 4,364,669.10 | 1,311,299.59 | 16,927,732.73 | | Efectivo y Equivalente al Efectivo | 162,003.20 | 66,637.48 | 69,153.36 | 120,185.63 | 118,032.51 | 536,012.18 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 59,558.40 | 0.00 | 0.00 | 0.00 | 59,558.40 | | 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 | 5,348,139.54 | 1,028,504.37 | 1,500,533.04 | 3,298,238.58 | 855,487.87 | 12,030,903.42 | | Inversiones a costo amortizado | 4,843,648.09 | 1,023,296.75 | 1,440,514.01 | 3,137,590.11 | 855,487.87 | 11,300,536.84 | | Cartera de Creditos, Neta | 504,491.45 | 5,207.62 | 60,019.04 | 160,648.47 | 0.00 | 730,366.58 | | Primas por Cobrar (neto) | 443,018.08 | 434,358.46 | 535,531.51 | 582,541.50 | 207,006.44 | 2,202,455.98 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 88,269.62 | 455,536.27 | 211,336.47 | 157,539.53 | 91,165.25 | 1,003,847.14 | | Otras cuentas por cobrar | 47,463.93 | 4,930.11 | 8,809.60 | 26,015.71 | 9,453.05 | 96,672.39 | | 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 | 3,902.61 | 13,489.16 | 0.00 | 17,391.78 | | Activo material | 80,752.26 | 214,781.38 | 165,324.30 | 10,619.01 | 2,350.67 | 473,827.63 | | Activo intangible | 9,365.84 | 21,851.91 | 6,634.77 | 7,179.73 | 5,327.93 | 50,360.18 | | Activo fiscales | 2,429.49 | 0.00 | 34,241.31 | 20,785.64 | 12,255.37 | 69,711.80 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,840.45 | 0.00 | 14,840.45 | | Otros activos | 15,826.90 | 108,067.71 | 124,200.49 | 113,234.16 | 10,220.50 | 371,549.76 | | | | | | | | | PASIVOS | 2,901,098.80 | 1,673,906.58 | 1,776,782.57 | 2,515,136.77 | 997,518.47 | 9,864,443.20 | | Reservas tecnicas | 2,346,470.35 | 1,012,672.54 | 1,059,508.06 | 1,386,900.08 | 556,203.06 | 6,361,754.10 | | Reservas de Riesgo en Curso | 553,149.19 | 82,755.33 | 393,397.11 | 653,641.96 | 168,267.45 | 1,851,211.03 | | Reserva Matematica | 577,217.29 | 43,353.88 | 4,454.91 | 34,731.87 | 2,981.72 | 662,739.67 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 241,033.50 | 0.00 | 0.00 | 241,033.50 | | Reservas para siniestros pendientes de liquidación y/o pago | 349,957.86 | 348,043.35 | 233,908.30 | 215,270.67 | 130,834.79 | 1,278,014.96 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 17,496.84 | 17,402.17 | 11,696.54 | 10,763.57 | 6,541.74 | 63,900.86 | | Reservas de Contingencia | 106,908.79 | 381,215.42 | 51,655.06 | 88,616.24 | 160,423.00 | 788,818.50 | | Reservas para Riesgos Catastróficos | 741,740.39 | 139,902.41 | 123,362.64 | 383,875.77 | 87,154.37 | 1,476,035.57 | | 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 | 101,297.87 | 350,517.06 | 282,362.43 | 268,562.46 | 64,536.98 | 1,067,276.80 | | Obligaciones por operaciones de seguro y fianzas | 246,886.75 | 113,615.77 | 97,972.86 | 134,078.40 | 271,559.53 | 864,113.30 | | Primas en deposito | 3,838.77 | 34,129.90 | 8,370.53 | 28,259.26 | 9,796.92 | 84,395.37 | | Deposito en garantia por fianzas expedidas | 144,312.68 | 47,498.49 | 37,646.33 | 55,640.50 | 242,063.48 | 527,161.48 | | Acreedores por Primas a devolver | 45,857.10 | 1,750.98 | 0.00 | 23.91 | 0.00 | 47,631.99 | | Comisiones a intermediarios de seguros | 52,878.20 | 30,236.40 | 51,956.00 | 50,154.74 | 19,699.13 | 204,924.46 | | Pasivos financieros a costo amortizado | 0.00 | 29,971.60 | 80,197.15 | 485,656.98 | 0.00 | 595,825.73 | | Obligaciones por emisión de deuda | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Operaciones con valores | 0.00 | 0.00 | 80,197.15 | 0.00 | 0.00 | 80,197.15 | | Obligaciones con instituciones financieras y por otros financiamientos | 0.00 | 29,971.60 | 0.00 | 485,656.98 | 0.00 | 515,628.58 | | 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 | 52,339.66 | 101,890.85 | 129,076.53 | 117,468.00 | 35,813.93 | 436,588.96 | | Provisiones Laborales | 67,177.33 | 15,201.77 | 52,727.97 | 52,980.05 | 24,296.72 | 212,383.85 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 86,926.84 | 50,036.99 | 74,937.57 | 69,490.81 | 45,108.24 | 326,500.46 | | | | | | | | | PATRIMONIO | 3,296,170.05 | 720,319.52 | 883,486.52 | 1,849,532.33 | 313,781.11 | 7,063,289.53 | | Fondos propios | 3,255,048.10 | 701,949.82 | 847,974.11 | 1,849,990.11 | 313,781.11 | 6,968,743.25 | | Capital social pagado | 301,437.80 | 154,256.38 | 265,000.00 | 449,823.00 | 151,267.00 | 1,321,784.18 | | 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 | 290,218.68 | 122,388.97 | 167,301.40 | 284,868.90 | 58,638.65 | 923,416.60 | | Resultados acumulados | 2,434,705.91 | 420,820.94 | 379,071.61 | 1,015,696.90 | 100,690.78 | 4,350,986.14 | | Resultados del ejercicio | 228,685.71 | 4,483.54 | 36,601.10 | 99,600.94 | 3,184.68 | 372,555.97 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -457.79 | 0.00 | -457.79 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,197,268.85 | 2,394,226.10 | 2,660,269.09 | 4,364,669.10 | 1,311,299.59 | 16,927,732.73 | | | | | | | | | Cuentas de orden | 579,422,443.28 | 726,535,326.72 | 1,121,203,348.57 | 451,304,916.31 | 356,324,020.31 | 3,234,790,055.20 | | Responsabilidades en vigor | 403,191,828.35 | 384,457,499.27 | 638,946,713.74 | 325,581,651.95 | 228,721,627.19 | 1,980,899,320.50 | | Riesgos cedidos en reaseguro | 172,619,917.31 | 339,757,929.32 | 476,021,592.17 | 123,844,004.68 | 123,232,353.15 | 1,235,475,796.62 | | Responsabilidad por fianzas otorgadas | 687,498.09 | 600,850.30 | 2,184,921.44 | 484,566.30 | 1,815,294.89 | 5,773,131.02 | | Afianzamiento y reafianzamiento cedido | 562,573.02 | 536,130.04 | 1,690,185.59 | 0.00 | 1,532,071.09 | 4,320,959.75 | | Garantias y contragarantias recibidas | 1,772,667.47 | 1,179,241.20 | 2,238,299.52 | 790,431.27 | 1,001,998.55 | 6,982,638.00 | | Documentos y valores en custodia | 328,660.43 | 0.00 | 0.00 | 0.00 | 0.00 | 328,660.43 | | Primas por cobrar retiradas del activo | 0.00 | 72.30 | 0.00 | 0.00 | 0.00 | 72.30 | | Cuentas de registro diversas | 259,298.62 | 3,604.28 | 121,636.10 | 604,262.12 | 20,675.45 | 1,009,476.56 |
| | 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 MAYO DE 2023 C$ 36.4113 X US$ 1.00 | |
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