| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,287,528.50 | 2,147,943.26 | 3,930,420.49 | 4,572,335.30 | 1,547,107.39 | 19,485,334.94 | | Efectivo y Equivalente al Efectivo | 140,130.62 | 125,146.45 | 192,629.15 | 334,536.56 | 144,858.37 | 937,301.15 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 64,353.02 | 0.00 | 0.00 | 0.00 | 64,353.02 | | 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 | 6,412,855.39 | 878,451.56 | 1,580,469.92 | 3,131,186.93 | 1,141,883.32 | 13,144,847.13 | | Inversiones a costo amortizado | 5,701,372.47 | 874,295.51 | 1,542,740.07 | 3,010,835.02 | 1,141,883.32 | 12,271,126.40 | | Cartera de Creditos, Neta | 711,482.92 | 4,156.05 | 37,729.85 | 120,351.92 | 0.00 | 873,720.73 | | Primas por Cobrar (neto) | 406,564.27 | 538,292.29 | 745,863.74 | 752,452.18 | 181,709.03 | 2,624,881.50 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 123,766.59 | 233,747.39 | 1,038,375.65 | 141,005.95 | 22,354.51 | 1,559,250.09 | | Otras cuentas por cobrar | 45,552.57 | 6,350.94 | 23,060.50 | 14,922.32 | 9,639.81 | 99,526.14 | | 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 | 129,589.83 | 205,913.83 | 168,686.28 | 21,667.39 | 5,805.24 | 531,662.57 | | Activo intangible | 6,052.70 | 22,209.79 | 95,376.29 | 14,735.24 | 2,660.06 | 141,034.09 | | Activo fiscales | 2,955.87 | 527.16 | 41,418.76 | 31,094.65 | 17,650.38 | 93,646.83 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,618.13 | 7,723.61 | 22,341.73 | | Otros activos | 20,060.65 | 72,950.82 | 43,523.20 | 102,547.88 | 12,823.06 | 251,905.61 | | | | | | | | | PASIVOS | 3,330,859.69 | 1,524,089.99 | 2,814,987.29 | 2,668,115.14 | 1,129,795.08 | 11,467,847.20 | | Reservas tecnicas | 2,768,711.14 | 940,782.08 | 1,295,870.54 | 1,990,242.51 | 609,004.05 | 7,604,610.32 | | Reservas de Riesgo en Curso | 666,052.24 | 86,933.90 | 280,042.94 | 875,682.21 | 214,981.78 | 2,123,693.07 | | Reserva Matematica | 584,764.96 | 49,409.79 | 6,097.44 | 57,925.48 | 4,085.76 | 702,283.43 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 178,160.93 | 0.00 | 0.00 | 178,160.93 | | Reservas para siniestros pendientes de liquidación y/o pago | 595,018.36 | 194,070.26 | 613,662.26 | 455,427.15 | 74,877.33 | 1,933,055.36 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 29,861.04 | 9,703.51 | 30,683.11 | 22,771.44 | 3,743.87 | 96,762.97 | | Reservas de Contingencia | 109,729.79 | 435,843.12 | 45,749.02 | 116,735.50 | 212,969.01 | 921,026.45 | | Reservas para Riesgos Catastróficos | 783,284.75 | 164,821.51 | 141,474.83 | 461,700.73 | 98,346.29 | 1,649,628.11 | | 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 | 91,289.48 | 218,036.69 | 881,851.47 | 171,206.13 | 64,758.83 | 1,427,142.60 | | Obligaciones por operaciones de seguro y fianzas | 276,598.65 | 160,486.81 | 187,204.46 | 206,842.90 | 340,787.86 | 1,171,920.67 | | Primas en deposito | 4,862.26 | 78,793.91 | 7,854.61 | 71,431.62 | 7,743.12 | 170,685.52 | | Deposito en garantia por fianzas expedidas | 181,262.97 | 43,256.32 | 76,587.88 | 67,432.58 | 314,718.75 | 683,258.49 | | Acreedores por Primas a devolver | 38,157.89 | 1,682.57 | 45,559.08 | 0.59 | 0.00 | 85,400.12 | | Comisiones a intermediarios de seguros | 52,315.53 | 36,754.00 | 57,202.89 | 67,978.11 | 18,326.00 | 232,576.53 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 73,313.71 | 0.00 | 0.00 | 73,313.71 | | 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 | 73,313.71 | 0.00 | 0.00 | 73,313.71 | | 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 | 48,666.02 | 132,474.10 | 126,904.03 | 136,178.93 | 44,172.80 | 488,395.88 | | Provisiones Laborales | 64,101.45 | 19,815.94 | 54,656.77 | 65,058.99 | 33,175.38 | 236,808.52 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 81,492.95 | 52,494.36 | 195,186.33 | 98,585.69 | 37,896.17 | 465,655.49 | | | | | | | | | PATRIMONIO | 3,956,668.80 | 623,853.27 | 1,115,433.20 | 1,904,220.16 | 417,312.31 | 8,017,487.74 | | Fondos propios | 3,915,546.85 | 605,483.57 | 1,079,920.79 | 1,905,162.46 | 417,312.31 | 7,923,425.98 | | Capital social pagado | 438,418.39 | 156,893.45 | 483,100.00 | 449,823.00 | 153,231.00 | 1,681,465.84 | | 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 | 296,532.84 | 318,420.37 | 980,148.92 | 161,581.24 | 4,824,603.78 | | Resultados del ejercicio | 144,226.22 | 15,894.23 | 54,197.38 | 129,166.89 | 29,592.98 | 373,077.69 | | 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 | 7,287,528.50 | 2,147,943.26 | 3,930,420.49 | 4,572,335.30 | 1,547,107.39 | 19,485,334.94 | | | | | | | | | Cuentas de orden | 640,221,748.93 | 761,555,132.48 | 1,607,084,863.65 | 570,326,016.54 | 409,554,743.46 | 3,988,742,505.05 | | Responsabilidades en vigor | 451,483,184.17 | 406,546,503.49 | 873,121,627.69 | 445,629,543.31 | 250,029,628.83 | 2,426,810,487.49 | | Riesgos cedidos en reaseguro | 180,428,292.11 | 353,237,826.88 | 727,323,078.27 | 123,191,498.06 | 153,260,787.50 | 1,537,441,482.82 | | Responsabilidad por fianzas otorgadas | 842,673.87 | 481,892.66 | 1,821,470.73 | 510,131.95 | 2,806,793.04 | 6,462,962.24 | | Afianzamiento y reafianzamiento cedido | 704,981.33 | 349,400.00 | 1,138,198.03 | 0.00 | 2,346,984.72 | 4,539,564.08 | | Garantias y contragarantias recibidas | 2,004,253.04 | 932,532.74 | 3,536,959.72 | 935,157.31 | 1,064,133.15 | 8,473,035.96 | | Documentos y valores en custodia | 4,439,473.26 | 0.00 | 0.00 | 0.00 | 0.00 | 4,439,473.26 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 318,891.14 | 6,903.98 | 143,529.21 | 58,055.14 | 46,416.23 | 573,795.70 |
| | 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 MAYO DE 2025 C$ 36.6243 X US$ 1.00 | |
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