| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,295,625.71 | 2,407,424.33 | 2,675,165.61 | 4,217,606.60 | 1,281,498.25 | 16,877,320.50 | | Efectivo y Equivalente al Efectivo | 155,842.43 | 55,179.67 | 102,378.51 | 51,259.32 | 118,639.14 | 483,299.07 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 66,005.22 | 0.00 | 0.00 | 0.00 | 66,005.22 | | 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 | 5,502,265.47 | 1,025,311.81 | 1,474,764.77 | 3,302,709.31 | 885,692.85 | 12,190,744.21 | | Inversiones a costo amortizado | 4,936,769.00 | 1,020,094.16 | 1,420,358.47 | 3,148,198.16 | 885,692.85 | 11,411,112.65 | | Cartera de Creditos, Neta | 565,496.46 | 5,217.65 | 54,406.30 | 154,511.15 | 0.00 | 779,631.56 | | Primas por Cobrar (neto) | 376,805.03 | 582,723.85 | 515,130.02 | 522,806.17 | 199,264.18 | 2,196,729.24 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 85,842.85 | 371,777.44 | 175,240.74 | 148,057.57 | 4,812.02 | 785,730.61 | | Otras cuentas por cobrar | 40,747.37 | 2,596.42 | 9,537.19 | 24,807.74 | 17,539.80 | 95,228.52 | | 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 | 13,523.02 | 0.00 | 17,425.64 | | Activo material | 84,357.44 | 211,754.41 | 165,505.80 | 10,184.92 | 2,122.38 | 473,924.95 | | Activo intangible | 9,057.12 | 20,711.99 | 5,810.13 | 5,800.54 | 4,812.47 | 46,192.26 | | Activo fiscales | 1,859.47 | 0.00 | 51,636.20 | 36,996.12 | 17,234.01 | 107,725.80 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,944.38 | 0.00 | 14,944.38 | | Otros activos | 38,848.54 | 71,363.51 | 170,658.02 | 86,517.49 | 31,381.42 | 398,768.98 | | | | | | | | | PASIVOS | 2,985,857.45 | 1,741,058.53 | 1,739,908.25 | 2,336,559.05 | 952,427.09 | 9,755,810.37 | | Reservas tecnicas | 2,405,240.90 | 992,095.48 | 1,006,622.96 | 1,419,682.95 | 473,642.12 | 6,297,284.43 | | Reservas de Riesgo en Curso | 562,479.70 | 85,639.60 | 398,042.90 | 678,353.41 | 173,676.00 | 1,898,191.61 | | Reserva Matematica | 580,497.31 | 43,746.24 | 4,863.84 | 38,002.36 | 3,104.62 | 670,214.38 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 237,690.85 | 0.00 | 0.00 | 237,690.85 | | Reservas para siniestros pendientes de liquidación y/o pago | 387,516.13 | 319,002.34 | 180,699.19 | 208,987.76 | 35,810.74 | 1,132,016.16 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 19,377.01 | 15,950.12 | 9,036.06 | 10,449.43 | 1,790.54 | 56,603.15 | | Reservas de Contingencia | 107,532.77 | 384,701.09 | 50,734.32 | 90,828.60 | 170,781.22 | 804,577.99 | | Reservas para Riesgos Catastróficos | 747,837.98 | 143,056.09 | 125,555.80 | 393,061.40 | 88,479.01 | 1,497,990.29 | | 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 | 132,975.01 | 413,372.22 | 321,944.02 | 172,021.11 | 85,972.64 | 1,126,284.99 | | Obligaciones por operaciones de seguro y fianzas | 252,900.78 | 118,212.19 | 110,659.29 | 153,582.93 | 280,797.56 | 916,152.74 | | Primas en deposito | 3,272.64 | 37,825.27 | 7,953.26 | 30,092.85 | 6,099.96 | 85,243.98 | | Deposito en garantia por fianzas expedidas | 163,503.62 | 48,386.93 | 48,412.40 | 71,099.32 | 254,167.34 | 585,569.62 | | Acreedores por Primas a devolver | 43,862.47 | 2,294.77 | 0.00 | 15.80 | 0.00 | 46,173.04 | | Comisiones a intermediarios de seguros | 42,262.04 | 29,705.22 | 54,293.62 | 52,374.96 | 20,530.25 | 199,166.10 | | Pasivos financieros a costo amortizado | 0.00 | 20,165.70 | 0.00 | 339,377.76 | 0.00 | 359,543.46 | | 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 | 20,165.70 | 0.00 | 339,377.76 | 0.00 | 359,543.46 | | 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 | 44,612.77 | 141,163.63 | 152,341.62 | 117,117.08 | 39,091.31 | 494,326.41 | | Provisiones Laborales | 71,149.41 | 19,154.97 | 55,958.21 | 58,376.40 | 26,634.79 | 231,273.77 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 78,978.57 | 36,894.35 | 92,382.16 | 76,400.82 | 46,288.67 | 330,944.58 | | | | | | | | | PATRIMONIO | 3,309,768.26 | 666,365.80 | 935,257.36 | 1,881,047.54 | 329,071.16 | 7,121,510.13 | | Fondos propios | 3,268,646.31 | 647,996.10 | 899,744.95 | 1,881,505.33 | 329,071.16 | 7,026,963.85 | | 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 | 338,009.73 | 379,071.61 | 1,015,696.90 | 100,690.78 | 4,268,174.93 | | Resultados del ejercicio | 242,283.92 | 33,341.02 | 88,371.94 | 131,116.16 | 18,474.73 | 513,587.77 | | 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 | 6,295,625.71 | 2,407,424.33 | 2,675,165.61 | 4,217,606.60 | 1,281,498.25 | 16,877,320.50 | | | | | | | | | Cuentas de orden | 612,994,726.04 | 810,002,094.55 | 1,270,483,238.82 | 462,555,500.64 | 348,600,697.42 | 3,504,636,257.45 | | Responsabilidades en vigor | 423,425,909.89 | 427,135,557.24 | 712,672,796.27 | 334,259,070.40 | 220,241,976.56 | 2,117,735,310.37 | | Riesgos cedidos en reaseguro | 185,866,791.01 | 380,686,033.48 | 551,188,610.37 | 126,308,837.07 | 123,943,111.43 | 1,367,993,383.38 | | Responsabilidad por fianzas otorgadas | 731,496.20 | 555,983.67 | 2,336,789.86 | 574,242.85 | 1,794,767.79 | 5,993,280.37 | | Afianzamiento y reafianzamiento cedido | 604,085.36 | 489,779.09 | 1,790,099.77 | 0.00 | 1,504,027.27 | 4,387,991.49 | | Garantias y contragarantias recibidas | 1,773,569.31 | 1,128,566.58 | 2,370,040.57 | 810,558.14 | 1,095,187.17 | 7,177,921.78 | | Documentos y valores en custodia | 334,901.74 | 0.00 | 0.00 | 0.00 | 0.00 | 334,901.74 | | Primas por cobrar retiradas del activo | 0.00 | 72.48 | 0.00 | 0.00 | 0.00 | 72.48 | | Cuentas de registro diversas | 257,972.52 | 6,102.00 | 124,901.96 | 602,792.17 | 21,627.19 | 1,013,395.83 |
| | 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 AGOSTO DE 2023 C$ 36.5027 X US$ 1.00 | |
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