| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,214,336.95 | 2,153,482.85 | 3,751,614.10 | 4,502,734.79 | 1,496,273.33 | 19,118,442.02 | | Efectivo y Equivalente al Efectivo | 167,414.33 | 112,427.03 | 170,781.51 | 68,323.95 | 131,126.58 | 650,073.40 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 67,675.97 | 0.00 | 0.00 | 0.00 | 67,675.97 | | 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 | 6,262,318.38 | 876,008.34 | 1,549,025.02 | 3,316,012.58 | 1,135,036.76 | 13,138,401.07 | | Inversiones a costo amortizado | 5,563,887.61 | 871,715.24 | 1,509,576.88 | 3,189,877.66 | 1,135,036.76 | 12,270,094.16 | | Cartera de Creditos, Neta | 698,430.77 | 4,293.09 | 39,448.13 | 126,134.92 | 0.00 | 868,306.91 | | Primas por Cobrar (neto) | 461,890.79 | 590,749.41 | 774,440.16 | 752,861.73 | 167,037.19 | 2,746,979.28 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 116,159.10 | 237,762.36 | 887,123.73 | 155,254.37 | 9,453.58 | 1,405,753.15 | | Otras cuentas por cobrar | 35,935.26 | 6,529.08 | 21,622.69 | 12,792.11 | 9,923.57 | 86,802.71 | | 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 | 133,807.39 | 207,730.44 | 169,813.17 | 20,766.46 | 5,912.08 | 538,029.55 | | Activo intangible | 6,328.80 | 20,797.77 | 98,399.34 | 11,429.49 | 2,855.75 | 139,811.14 | | Activo fiscales | 2,731.49 | 285.15 | 23,997.74 | 18,678.14 | 10,901.53 | 56,594.04 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,520.56 | 5,709.73 | 19,230.28 | | Otros activos | 27,751.41 | 33,517.30 | 55,393.74 | 119,527.33 | 18,316.57 | 254,506.35 | | | | | | | | | PASIVOS | 3,297,769.78 | 1,530,390.10 | 2,659,523.74 | 2,632,329.77 | 1,088,366.64 | 11,208,380.04 | | Reservas tecnicas | 2,727,479.32 | 905,520.54 | 1,238,447.13 | 1,920,587.26 | 583,441.58 | 7,375,475.83 | | Reservas de Riesgo en Curso | 664,924.20 | 86,961.66 | 290,093.23 | 877,255.13 | 213,120.49 | 2,132,354.70 | | Reserva Matematica | 583,036.44 | 48,646.71 | 5,889.57 | 54,910.28 | 3,895.54 | 696,378.54 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 175,695.84 | 0.00 | 0.00 | 175,695.84 | | Reservas para siniestros pendientes de liquidación y/o pago | 555,794.75 | 166,395.23 | 552,740.86 | 397,224.65 | 57,586.57 | 1,729,742.06 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 27,857.81 | 8,319.76 | 27,647.76 | 19,861.31 | 2,879.33 | 86,565.96 | | Reservas de Contingencia | 114,996.75 | 432,429.73 | 46,575.48 | 115,022.79 | 210,301.20 | 919,325.94 | | Reservas para Riesgos Catastróficos | 780,869.38 | 162,767.45 | 139,804.40 | 456,313.11 | 95,658.45 | 1,635,412.79 | | 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 | 97,330.53 | 259,426.49 | 850,086.44 | 209,857.70 | 60,626.23 | 1,477,327.39 | | Obligaciones por operaciones de seguro y fianzas | 289,559.26 | 162,933.36 | 154,781.22 | 203,510.10 | 319,406.09 | 1,130,190.03 | | Primas en deposito | 5,410.38 | 71,575.92 | 9,365.62 | 71,796.45 | 6,380.93 | 164,529.31 | | Deposito en garantia por fianzas expedidas | 186,421.09 | 47,056.79 | 76,473.18 | 62,933.94 | 294,074.09 | 666,959.09 | | Acreedores por Primas a devolver | 37,096.84 | 1,828.56 | 0.00 | 13.85 | 0.00 | 38,939.24 | | Comisiones a intermediarios de seguros | 60,630.95 | 42,472.09 | 68,942.41 | 68,765.86 | 18,951.08 | 259,762.39 | | 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 | 54,684.09 | 120,690.45 | 120,298.56 | 122,610.38 | 37,368.14 | 455,651.62 | | Provisiones Laborales | 60,955.93 | 25,135.62 | 49,838.75 | 61,055.62 | 31,042.81 | 228,028.72 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 67,760.66 | 56,683.65 | 246,071.64 | 114,708.72 | 56,481.79 | 541,706.45 | | | | | | | | | PATRIMONIO | 3,916,567.16 | 623,092.75 | 1,092,090.37 | 1,870,405.02 | 407,906.69 | 7,910,061.98 | | Fondos propios | 3,875,445.21 | 604,723.05 | 1,056,577.96 | 1,871,347.32 | 407,906.69 | 7,816,000.22 | | 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 | 104,124.58 | 15,133.71 | 30,855.75 | 95,351.74 | 20,187.36 | 265,653.13 | | 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 | 7,214,336.95 | 2,153,482.85 | 3,751,614.10 | 4,502,734.79 | 1,496,273.33 | 19,118,442.02 | | | | | | | | | Cuentas de orden | 654,216,723.33 | 887,950,284.94 | 1,701,587,851.00 | 557,609,643.21 | 406,144,728.68 | 4,207,509,231.15 | | Responsabilidades en vigor | 458,375,212.12 | 469,189,918.68 | 925,418,989.57 | 427,716,606.07 | 247,638,810.85 | 2,528,339,537.29 | | Riesgos cedidos en reaseguro | 187,880,402.30 | 416,960,512.73 | 769,244,187.89 | 128,386,828.46 | 152,612,574.30 | 1,655,084,505.67 | | Responsabilidad por fianzas otorgadas | 665,301.60 | 469,140.19 | 1,961,488.18 | 528,828.47 | 2,635,217.58 | 6,259,976.02 | | Afianzamiento y reafianzamiento cedido | 543,673.44 | 345,599.40 | 1,305,553.81 | 0.00 | 2,179,533.79 | 4,374,360.45 | | Garantias y contragarantias recibidas | 2,176,339.10 | 980,717.81 | 3,519,907.07 | 918,181.10 | 1,033,920.05 | 8,629,065.13 | | Documentos y valores en custodia | 4,263,784.63 | 0.00 | 0.00 | 0.00 | 0.00 | 4,263,784.63 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 312,010.13 | 4,323.40 | 137,724.48 | 57,568.33 | 44,672.11 | 556,298.46 |
| | 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 MARZO DE 2025 C$ 36.6243 X US$ 1.00 | |
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