| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,921,182.13 | 2,135,089.46 | 2,826,066.87 | 4,130,797.61 | 1,427,157.17 | 17,440,293.25 | | Efectivo y Equivalente al Efectivo | 185,424.32 | 77,493.25 | 55,368.00 | 58,082.31 | 118,350.62 | 494,718.50 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 68,003.59 | 0.00 | 0.00 | 0.00 | 68,003.59 | | 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 | 5,955,081.96 | 851,697.09 | 1,526,324.97 | 3,057,055.93 | 1,052,841.18 | 12,443,001.12 | | Inversiones a costo amortizado | 5,268,340.81 | 847,587.75 | 1,483,877.41 | 2,915,384.38 | 1,052,841.18 | 11,568,031.52 | | Cartera de Creditos, Neta | 686,741.15 | 4,109.34 | 42,447.56 | 141,671.55 | 0.00 | 874,969.60 | | Primas por Cobrar (neto) | 460,225.85 | 494,849.49 | 454,730.27 | 668,976.05 | 163,610.59 | 2,242,392.26 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 108,008.93 | 313,332.02 | 355,596.89 | 165,052.23 | 11,835.41 | 953,825.47 | | Otras cuentas por cobrar | 36,444.91 | 6,355.88 | 22,797.27 | 16,946.33 | 10,757.42 | 93,301.81 | | 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 | 1,535.43 | 13,568.07 | 0.00 | 15,103.50 | | Activo material | 126,114.61 | 210,385.06 | 166,982.61 | 10,063.24 | 5,027.57 | 518,573.09 | | Activo intangible | 7,019.03 | 20,990.86 | 17,043.79 | 11,541.53 | 3,339.61 | 59,934.82 | | Activo fiscales | 4,852.08 | 31.31 | 71,056.72 | 56,155.46 | 29,642.18 | 161,737.75 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,427.94 | 5,646.36 | 19,074.30 | | Otros activos | 38,010.44 | 91,950.90 | 154,630.92 | 59,928.52 | 26,106.25 | 370,627.04 | | | | | | | | | PASIVOS | 3,114,803.41 | 1,535,721.19 | 1,837,529.36 | 2,422,000.28 | 1,058,433.64 | 9,968,487.89 | | Reservas tecnicas | 2,534,289.54 | 918,307.39 | 1,017,140.88 | 1,733,881.46 | 558,562.31 | 6,762,181.58 | | Reservas de Riesgo en Curso | 629,059.58 | 87,298.25 | 318,106.89 | 794,003.77 | 198,892.85 | 2,027,361.34 | | Reserva Matematica | 584,454.44 | 46,741.27 | 5,989.62 | 49,671.84 | 3,642.13 | 690,499.29 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 177,215.51 | 0.00 | 0.00 | 177,215.51 | | Reservas para siniestros pendientes de liquidación y/o pago | 417,341.65 | 198,075.03 | 313,768.19 | 329,026.89 | 57,153.29 | 1,315,365.05 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 20,935.59 | 9,903.75 | 15,682.83 | 16,451.41 | 2,857.66 | 65,831.25 | | Reservas de Contingencia | 110,106.74 | 418,835.61 | 50,650.30 | 108,848.56 | 200,738.94 | 889,180.15 | | Reservas para Riesgos Catastróficos | 772,391.54 | 157,453.48 | 135,727.53 | 435,879.00 | 95,277.43 | 1,596,728.99 | | 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 | 123,367.47 | 255,575.00 | 330,554.54 | 203,068.44 | 54,299.03 | 966,864.48 | | Obligaciones por operaciones de seguro y fianzas | 271,286.11 | 142,835.76 | 129,688.65 | 192,096.18 | 314,745.34 | 1,050,652.05 | | Primas en deposito | 3,425.08 | 61,605.80 | 8,241.65 | 62,877.10 | 8,447.96 | 144,597.59 | | Deposito en garantia por fianzas expedidas | 176,356.40 | 47,046.58 | 71,744.07 | 72,403.27 | 287,461.09 | 655,011.41 | | Acreedores por Primas a devolver | 37,547.59 | 2,436.09 | 0.00 | 0.00 | 0.00 | 39,983.68 | | Comisiones a intermediarios de seguros | 53,957.04 | 31,747.28 | 49,702.93 | 56,815.81 | 18,836.29 | 211,059.36 | | 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 | 54,780.35 | 147,150.63 | 120,904.88 | 143,147.85 | 48,687.77 | 514,671.49 | | Provisiones Laborales | 61,932.21 | 26,920.81 | 59,616.46 | 62,516.98 | 31,952.63 | 242,939.09 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 69,147.73 | 44,931.60 | 179,623.95 | 87,289.37 | 50,186.55 | 431,179.21 | | | | | | | | | PATRIMONIO | 3,806,378.72 | 599,368.27 | 988,537.51 | 1,708,797.33 | 368,723.53 | 7,471,805.37 | | Fondos propios | 3,765,256.77 | 580,998.57 | 953,025.10 | 1,709,483.85 | 368,723.53 | 7,377,487.83 | | Capital social pagado | 438,418.39 | 154,256.38 | 410,399.20 | 449,823.00 | 151,267.00 | 1,604,163.97 | | 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 | 205,470.88 | 127,424.12 | 192,572.45 | 312,259.28 | 63,693.93 | 901,420.67 | | Resultados acumulados | 2,730,691.71 | 249,649.29 | 208,603.60 | 788,819.59 | 111,337.35 | 4,089,101.54 | | Resultados del ejercicio | 390,675.79 | 49,668.79 | 141,449.85 | 158,581.62 | 42,425.24 | 782,801.29 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -686.52 | 0.00 | -686.52 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,921,182.13 | 2,135,089.46 | 2,826,066.87 | 4,130,797.61 | 1,427,157.17 | 17,440,293.25 | | | | | | | | | Cuentas de orden | 634,983,538.56 | 859,086,506.22 | 1,330,128,188.11 | 498,589,052.30 | 365,893,294.71 | 3,688,680,579.88 | | Responsabilidades en vigor | 445,670,626.86 | 454,238,326.60 | 734,262,408.37 | 378,360,183.49 | 223,585,800.54 | 2,236,117,345.86 | | Riesgos cedidos en reaseguro | 181,714,884.62 | 403,208,105.67 | 590,697,089.23 | 118,694,460.48 | 136,332,830.64 | 1,430,647,370.62 | | Responsabilidad por fianzas otorgadas | 695,647.57 | 410,595.69 | 1,427,035.96 | 548,838.60 | 2,655,820.23 | 5,737,938.05 | | Afianzamiento y reafianzamiento cedido | 572,003.55 | 319,093.58 | 832,061.24 | 0.00 | 2,212,988.63 | 3,936,147.00 | | Garantias y contragarantias recibidas | 1,945,147.33 | 904,223.88 | 2,775,143.85 | 917,648.26 | 1,072,206.55 | 7,614,369.87 | | Documentos y valores en custodia | 4,088,197.92 | 0.00 | 0.00 | 0.00 | 0.00 | 4,088,197.92 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 297,030.70 | 6,088.08 | 134,449.47 | 66,290.70 | 33,648.12 | 537,507.06 |
| | 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 OCTUBRE DE 2024 C$ 36.6243 X US$ 1.00 | |
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