| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,084,270.19 | 2,183,860.10 | 3,349,522.79 | 4,338,195.70 | 1,465,791.10 | 18,421,639.88 | | Efectivo y Equivalente al Efectivo | 203,338.87 | 100,608.11 | 177,522.16 | 73,666.66 | 141,663.67 | 696,799.48 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 67,254.75 | 0.00 | 0.00 | 0.00 | 67,254.75 | | 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 | 6,069,731.20 | 855,359.17 | 1,541,302.71 | 3,133,948.44 | 1,062,703.67 | 12,663,045.19 | | Inversiones a costo amortizado | 5,376,494.46 | 851,005.60 | 1,500,627.60 | 2,997,442.98 | 1,062,703.67 | 11,788,274.32 | | Cartera de Creditos, Neta | 693,236.74 | 4,353.56 | 40,675.11 | 136,505.46 | 0.00 | 874,770.87 | | Primas por Cobrar (neto) | 463,749.01 | 578,912.58 | 864,083.05 | 790,807.08 | 164,555.33 | 2,862,107.05 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 130,419.57 | 253,732.37 | 405,623.60 | 176,277.24 | 16,049.96 | 982,102.73 | | Otras cuentas por cobrar | 35,734.90 | 6,028.61 | 21,942.81 | 6,550.82 | 9,646.43 | 79,903.57 | | 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 | 1,017.00 | 13,568.07 | 0.00 | 14,585.08 | | Activo material | 135,440.15 | 208,741.48 | 171,282.84 | 21,713.47 | 5,151.56 | 542,329.50 | | Activo intangible | 6,742.94 | 20,412.80 | 22,919.46 | 11,034.89 | 3,144.46 | 64,254.55 | | Activo fiscales | 3,198.77 | 111.84 | 1,432.42 | 69,875.47 | 35,815.50 | 110,434.00 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,221.10 | 5,638.20 | 19,859.30 | | Otros activos | 35,914.77 | 92,698.39 | 142,396.74 | 26,532.47 | 21,422.33 | 318,964.69 | | | | | | | | | PASIVOS | 3,271,827.60 | 1,575,901.07 | 2,288,288.17 | 2,563,142.43 | 1,078,071.77 | 10,777,231.03 | | Reservas tecnicas | 2,605,689.45 | 900,102.03 | 1,083,824.47 | 1,823,244.33 | 561,439.17 | 6,974,299.45 | | Reservas de Riesgo en Curso | 644,655.08 | 87,725.57 | 306,967.30 | 839,558.09 | 201,333.42 | 2,080,239.46 | | Reserva Matematica | 582,727.16 | 47,934.90 | 6,246.29 | 51,353.11 | 3,757.46 | 692,018.92 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 178,295.17 | 0.00 | 0.00 | 178,295.17 | | Reservas para siniestros pendientes de liquidación y/o pago | 467,937.20 | 173,973.01 | 385,724.77 | 357,160.69 | 55,402.59 | 1,440,198.26 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 23,455.72 | 8,698.65 | 19,272.50 | 17,858.10 | 2,770.13 | 72,055.09 | | Reservas de Contingencia | 111,016.15 | 422,327.15 | 49,525.64 | 113,510.28 | 203,081.54 | 899,460.76 | | Reservas para Riesgos Catastróficos | 775,898.14 | 159,442.75 | 137,792.80 | 443,804.06 | 95,094.03 | 1,612,031.78 | | 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 | 113,382.79 | 275,452.61 | 641,589.52 | 198,158.01 | 58,231.51 | 1,286,814.43 | | Obligaciones por operaciones de seguro y fianzas | 296,194.06 | 158,272.44 | 172,867.20 | 221,355.97 | 320,754.89 | 1,169,444.55 | | Primas en deposito | 7,757.27 | 67,579.37 | 9,910.41 | 79,361.62 | 5,015.45 | 169,624.11 | | Deposito en garantia por fianzas expedidas | 190,194.00 | 47,738.13 | 81,177.48 | 79,066.28 | 298,078.77 | 696,254.66 | | Acreedores por Primas a devolver | 38,237.51 | 1,489.39 | 0.00 | 41.24 | 0.00 | 39,768.13 | | Comisiones a intermediarios de seguros | 60,005.28 | 41,465.55 | 81,779.31 | 62,886.83 | 17,660.67 | 263,797.66 | | 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 | 56,173.01 | 166,368.87 | 124,798.76 | 169,292.23 | 59,031.45 | 575,664.31 | | Provisiones Laborales | 56,255.19 | 21,773.79 | 45,173.49 | 54,293.13 | 27,560.35 | 205,055.95 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 144,133.10 | 53,931.33 | 220,034.74 | 96,798.75 | 51,054.40 | 565,952.33 | | | | | | | | | PATRIMONIO | 3,812,442.59 | 607,959.04 | 1,061,234.62 | 1,775,053.27 | 387,719.33 | 7,644,408.85 | | Fondos propios | 3,771,320.63 | 589,589.34 | 1,025,722.21 | 1,775,995.58 | 387,719.33 | 7,550,347.09 | | 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 | 211,879.96 | 788,819.59 | 111,337.35 | 4,092,377.90 | | Resultados del ejercicio | 396,739.65 | 58,259.56 | 210,870.59 | 225,093.34 | 61,421.05 | 952,384.19 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -942.30 | 0.00 | -942.30 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 7,084,270.19 | 2,183,860.10 | 3,349,522.79 | 4,338,195.70 | 1,465,791.10 | 18,421,639.88 | | | | | | | | | Cuentas de orden | 653,792,133.36 | 886,110,092.35 | 1,732,072,832.65 | 507,865,468.51 | 431,712,502.48 | 4,211,553,029.36 | | Responsabilidades en vigor | 458,339,001.03 | 468,091,612.68 | 938,272,996.77 | 391,880,904.33 | 255,363,643.78 | 2,511,948,158.59 | | Riesgos cedidos en reaseguro | 187,695,494.90 | 416,334,596.53 | 788,511,544.88 | 114,326,118.58 | 170,247,552.23 | 1,677,115,307.12 | | Responsabilidad por fianzas otorgadas | 680,702.91 | 424,651.55 | 1,451,264.61 | 623,855.70 | 2,778,103.51 | 5,958,578.28 | | Afianzamiento y reafianzamiento cedido | 554,656.41 | 298,798.68 | 825,698.98 | 0.00 | 2,262,513.90 | 3,941,667.97 | | Garantias y contragarantias recibidas | 2,040,244.72 | 957,473.41 | 2,875,768.73 | 974,788.28 | 1,027,123.67 | 7,875,398.80 | | Documentos y valores en custodia | 4,179,882.99 | 0.00 | 0.00 | 0.00 | 0.00 | 4,179,882.99 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 302,150.40 | 2,886.78 | 135,558.67 | 58,170.85 | 33,565.40 | 532,332.09 |
| | 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 DICIEMBRE DE 2024 C$ 36.6243 X US$ 1.00 | |
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