| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,260,889.38 | 2,143,901.92 | 4,027,855.49 | 4,512,650.08 | 1,488,847.91 | 19,434,144.78 | | Efectivo y Equivalente al Efectivo | 163,565.56 | 116,836.76 | 169,300.95 | 86,005.50 | 139,774.20 | 675,482.96 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 68,846.03 | 0.00 | 0.00 | 0.00 | 68,846.03 | | 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 | 6,237,865.59 | 873,066.50 | 1,539,578.84 | 3,262,981.04 | 1,114,788.61 | 13,028,280.58 | | Inversiones a costo amortizado | 5,539,638.90 | 868,812.49 | 1,499,748.11 | 3,134,844.66 | 1,114,788.61 | 12,157,832.77 | | Cartera de Creditos, Neta | 698,226.69 | 4,254.01 | 39,830.73 | 128,136.38 | 0.00 | 870,447.81 | | Primas por Cobrar (neto) | 515,618.05 | 602,786.45 | 971,391.41 | 792,362.72 | 167,961.77 | 3,050,120.40 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 131,747.82 | 216,351.35 | 974,344.95 | 160,982.13 | 13,045.85 | 1,496,472.10 | | Otras cuentas por cobrar | 34,340.38 | 6,313.74 | 22,479.78 | 12,839.14 | 10,603.04 | 86,576.08 | | 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 | 134,952.80 | 208,660.36 | 170,353.09 | 21,278.03 | 5,992.39 | 541,236.68 | | Activo intangible | 6,466.85 | 21,087.79 | 99,745.82 | 10,334.91 | 2,955.19 | 140,590.55 | | Activo fiscales | 3,118.29 | 344.48 | 17,121.66 | 12,065.15 | 7,595.19 | 40,244.77 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,971.68 | 5,638.20 | 19,609.87 | | Otros activos | 33,214.05 | 29,608.47 | 62,522.00 | 126,261.71 | 20,493.47 | 272,099.69 | | | | | | | | | PASIVOS | 3,346,940.28 | 1,524,986.21 | 2,941,780.03 | 2,655,399.78 | 1,074,564.39 | 11,543,670.69 | | Reservas tecnicas | 2,696,647.32 | 909,276.56 | 1,289,533.69 | 1,883,640.29 | 566,074.53 | 7,345,172.39 | | Reservas de Riesgo en Curso | 659,543.12 | 87,121.13 | 294,910.19 | 870,493.92 | 204,258.34 | 2,116,326.70 | | Reserva Matematica | 582,549.72 | 48,420.66 | 5,895.38 | 53,771.32 | 3,758.49 | 694,395.57 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 180,347.30 | 0.00 | 0.00 | 180,347.30 | | Reservas para siniestros pendientes de liquidación y/o pago | 532,292.65 | 174,311.10 | 592,701.75 | 368,942.36 | 52,711.99 | 1,720,959.86 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 26,660.65 | 8,715.56 | 29,670.15 | 18,447.19 | 2,635.60 | 86,129.14 | | Reservas de Contingencia | 116,116.98 | 429,039.15 | 46,777.42 | 118,327.14 | 208,245.64 | 918,506.33 | | Reservas para Riesgos Catastróficos | 779,484.19 | 161,668.96 | 139,231.50 | 453,658.36 | 94,464.47 | 1,628,507.48 | | 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 | 161,851.60 | 259,636.93 | 855,442.67 | 251,404.83 | 71,126.69 | 1,599,462.72 | | Obligaciones por operaciones de seguro y fianzas | 298,692.45 | 166,173.58 | 173,912.49 | 221,677.82 | 322,668.20 | 1,183,124.54 | | Primas en deposito | 4,492.82 | 72,051.45 | 14,330.54 | 79,889.31 | 6,118.28 | 176,882.41 | | Deposito en garantia por fianzas expedidas | 194,231.63 | 50,139.64 | 76,595.48 | 71,782.21 | 298,281.42 | 691,030.37 | | Acreedores por Primas a devolver | 36,154.50 | 1,478.07 | 0.00 | 0.59 | 0.00 | 37,633.17 | | Comisiones a intermediarios de seguros | 63,813.49 | 42,504.41 | 82,986.47 | 70,005.71 | 18,268.50 | 277,578.59 | | 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 | 61,243.05 | 116,999.59 | 130,319.78 | 118,590.23 | 32,913.86 | 460,066.51 | | Provisiones Laborales | 59,106.64 | 23,877.20 | 48,610.74 | 59,606.21 | 29,093.32 | 220,294.11 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 69,399.22 | 49,022.36 | 443,960.66 | 120,480.40 | 52,687.79 | 735,550.44 | | | | | | | | | PATRIMONIO | 3,913,949.10 | 618,915.70 | 1,086,075.46 | 1,857,250.31 | 414,283.52 | 7,890,474.09 | | Fondos propios | 3,872,827.14 | 600,546.00 | 1,050,563.05 | 1,858,192.61 | 414,283.52 | 7,796,412.33 | | Capital social pagado | 438,418.39 | 154,256.38 | 483,098.80 | 449,823.00 | 151,267.00 | 1,676,863.57 | | 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 | 264,981.83 | 136,163.05 | 224,203.04 | 346,023.28 | 72,907.09 | 1,044,278.29 | | Resultados acumulados | 3,067,920.41 | 299,169.91 | 318,420.37 | 980,148.92 | 163,545.24 | 4,829,204.86 | | Resultados del ejercicio | 101,506.51 | 10,956.66 | 24,840.84 | 82,197.04 | 26,564.19 | 246,065.24 | | 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 | 7,260,889.38 | 2,143,901.92 | 4,027,855.49 | 4,512,650.08 | 1,488,847.91 | 19,434,144.78 | | | | | | | | | Cuentas de orden | 651,904,093.40 | 892,559,877.69 | 1,572,262,225.83 | 536,782,288.66 | 406,067,130.22 | 4,059,575,615.79 | | Responsabilidades en vigor | 456,343,994.95 | 471,506,892.09 | 857,871,829.57 | 412,704,302.34 | 247,162,059.25 | 2,445,589,078.20 | | Riesgos cedidos en reaseguro | 187,719,926.40 | 419,195,059.85 | 708,401,734.13 | 122,551,777.52 | 153,160,723.38 | 1,591,029,221.28 | | Responsabilidad por fianzas otorgadas | 689,572.24 | 496,865.16 | 1,484,504.19 | 529,074.11 | 2,545,310.92 | 5,745,326.63 | | Afianzamiento y reafianzamiento cedido | 563,675.59 | 380,517.44 | 841,743.96 | 0.00 | 2,127,504.18 | 3,913,441.17 | | Garantias y contragarantias recibidas | 2,020,476.88 | 976,074.40 | 3,525,001.88 | 938,674.97 | 1,023,122.18 | 8,483,350.31 | | Documentos y valores en custodia | 4,255,605.53 | 0.00 | 0.00 | 0.00 | 0.00 | 4,255,605.53 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 310,841.80 | 4,396.02 | 137,412.09 | 56,828.94 | 48,410.31 | 557,889.16 |
| | 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 28 DE FEBRERO DE 2025 C$ 36.6243 X US$ 1.00 | |
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