| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,586,925.18 | 2,332,851.36 | 3,930,441.74 | 4,992,541.44 | 1,648,533.36 | 20,491,293.08 | | Efectivo y Equivalente al Efectivo | 201,137.71 | 187,371.15 | 44,192.96 | 172,535.34 | 201,791.83 | 807,028.98 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 64,540.22 | 0.00 | 0.00 | 0.00 | 64,540.22 | | 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 | 6,601,238.73 | 891,661.84 | 1,601,735.01 | 3,655,508.12 | 1,171,438.38 | 13,921,582.08 | | Inversiones a costo amortizado | 5,846,759.35 | 887,280.00 | 1,566,145.39 | 3,542,585.94 | 1,171,438.38 | 13,014,209.06 | | Cartera de Creditos, Neta | 754,479.38 | 4,381.84 | 35,589.63 | 112,922.18 | 0.00 | 907,373.02 | | Primas por Cobrar (neto) | 448,750.48 | 506,066.20 | 590,927.01 | 806,270.15 | 166,589.78 | 2,518,603.63 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 124,874.98 | 350,868.20 | 1,197,863.68 | 178,688.11 | 19,022.23 | 1,871,317.21 | | Otras cuentas por cobrar | 35,197.69 | 8,565.26 | 59,033.23 | 19,374.61 | 11,186.18 | 133,356.96 | | 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 | 2,614.98 | 0.00 | 0.00 | 2,614.98 | | Participaciones en acciones | 0.00 | 0.00 | 1,017.00 | 13,568.07 | 0.00 | 14,585.08 | | Activo material | 125,101.80 | 204,268.38 | 171,822.12 | 22,693.67 | 5,713.72 | 529,599.69 | | Activo intangible | 5,362.47 | 21,770.16 | 90,439.77 | 10,664.43 | 2,249.73 | 130,486.55 | | Activo fiscales | 3,813.80 | 284.69 | 78,334.42 | 66,404.82 | 36,290.05 | 185,127.78 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 16,851.24 | 7,622.50 | 24,473.74 | | Otros activos | 41,447.52 | 97,455.26 | 92,461.56 | 29,982.88 | 26,628.96 | 287,976.18 | | | | | | | | | PASIVOS | 3,520,687.24 | 1,672,712.65 | 2,896,413.51 | 2,921,976.62 | 1,195,740.65 | 12,207,530.67 | | Reservas tecnicas | 2,879,797.06 | 1,016,598.96 | 1,188,594.51 | 2,170,825.15 | 647,971.67 | 7,903,787.35 | | Reservas de Riesgo en Curso | 684,163.10 | 88,859.39 | 252,313.71 | 983,498.28 | 245,557.22 | 2,254,391.71 | | Reserva Matematica | 584,795.07 | 50,367.64 | 6,828.85 | 65,145.41 | 5,656.03 | 712,792.99 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 177,705.42 | 0.00 | 0.00 | 177,705.42 | | Reservas para siniestros pendientes de liquidación y/o pago | 669,429.97 | 251,040.73 | 535,878.78 | 494,815.58 | 71,133.36 | 2,022,298.43 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 33,567.62 | 12,552.04 | 26,787.12 | 24,740.85 | 3,556.67 | 101,204.29 | | Reservas de Contingencia | 114,917.63 | 444,315.47 | 43,675.69 | 126,599.85 | 221,134.31 | 950,642.95 | | Reservas para Riesgos Catastróficos | 792,923.68 | 169,463.68 | 145,404.94 | 476,025.18 | 100,934.08 | 1,684,751.57 | | 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 | 144,192.20 | 263,736.99 | 1,084,170.51 | 146,742.75 | 65,380.19 | 1,704,222.64 | | Obligaciones por operaciones de seguro y fianzas | 306,207.98 | 146,769.55 | 233,871.56 | 256,362.87 | 328,113.42 | 1,271,325.38 | | Primas en deposito | 4,487.00 | 71,737.60 | 11,219.04 | 71,116.73 | 6,535.54 | 165,095.91 | | Deposito en garantia por fianzas expedidas | 209,978.99 | 41,235.10 | 118,159.15 | 115,744.33 | 305,240.94 | 790,358.52 | | Acreedores por Primas a devolver | 37,593.86 | 929.66 | 45,413.68 | 11.38 | 0.00 | 83,948.57 | | Comisiones a intermediarios de seguros | 54,148.13 | 32,867.19 | 59,079.69 | 69,490.44 | 16,336.94 | 231,922.39 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 54,936.45 | 0.00 | 0.00 | 54,936.45 | | 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 | 54,936.45 | 0.00 | 0.00 | 54,936.45 | | 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 | 56,876.32 | 159,628.29 | 145,439.81 | 173,149.76 | 60,856.02 | 595,950.20 | | Provisiones Laborales | 67,723.47 | 24,879.90 | 63,395.79 | 74,860.95 | 36,862.90 | 267,723.01 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 65,890.21 | 61,098.96 | 126,004.89 | 100,035.14 | 56,556.44 | 409,585.64 | | | | | | | | | PATRIMONIO | 4,066,237.94 | 660,138.71 | 1,034,028.23 | 2,070,564.82 | 452,792.71 | 8,283,762.41 | | Fondos propios | 4,025,115.98 | 641,769.01 | 998,515.82 | 2,071,507.12 | 452,792.71 | 8,189,700.65 | | 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 | 145,199.21 | 980,148.92 | 161,581.24 | 4,651,382.62 | | Resultados del ejercicio | 253,795.35 | 52,179.67 | 146,013.57 | 295,511.54 | 65,073.38 | 812,573.52 | | 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 | 7,586,925.18 | 2,332,851.36 | 3,930,441.74 | 4,992,541.44 | 1,648,533.36 | 20,491,293.08 | | | | | | | | | Cuentas de orden | 667,226,651.73 | 963,748,542.16 | 1,989,656,480.14 | 588,459,459.88 | 427,713,876.38 | 4,636,805,010.30 | | Responsabilidades en vigor | 469,769,710.74 | 508,572,195.18 | 1,075,642,425.53 | 456,734,480.74 | 259,809,356.97 | 2,770,528,169.16 | | Riesgos cedidos en reaseguro | 189,172,358.72 | 453,637,341.48 | 905,237,085.58 | 130,063,874.74 | 159,740,317.44 | 1,837,850,977.95 | | Responsabilidad por fianzas otorgadas | 662,090.92 | 427,385.97 | 2,925,133.36 | 566,729.47 | 3,709,321.06 | 8,290,660.78 | | Afianzamiento y reafianzamiento cedido | 552,325.83 | 324,799.84 | 2,133,619.58 | 0.00 | 3,076,867.64 | 6,087,612.90 | | Garantias y contragarantias recibidas | 2,056,961.17 | 781,372.50 | 3,573,361.97 | 1,037,100.21 | 1,335,773.46 | 8,784,569.31 | | Documentos y valores en custodia | 4,701,952.58 | 0.00 | 0.00 | 0.00 | 0.00 | 4,701,952.58 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 311,251.77 | 5,374.46 | 144,854.13 | 55,643.94 | 42,239.82 | 559,364.11 |
| | 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 2025 C$ 36.6243 X US$ 1.00 | |
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