| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | Ingresos por Primas | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Primas Netas Emitidas | 809,694.12 | 1,044,308.76 | 1,304,565.87 | 886,594.38 | 341,361.27 | 4,386,524.40 | | Primas Emitidas | 1,068,310.53 | 1,519,658.92 | 2,094,924.19 | 1,333,985.35 | 456,464.44 | 6,473,343.44 | | Devoluciones y Cancelaciones | 258,616.41 | 475,350.16 | 790,358.32 | 447,390.97 | 115,103.17 | 2,086,819.04 | | Primas Cedidas | 128,121.06 | 648,733.95 | 643,154.66 | 169,554.77 | 116,065.56 | 1,705,630.00 | | Primas Retenidas | 681,573.06 | 395,574.81 | 661,411.21 | 717,039.61 | 225,295.71 | 2,680,894.40 | | Variación de Reservas | -28,454.24 | -11,092.10 | -81,625.04 | -3,123.98 | 20,386.82 | -103,908.54 | | Variación Neta de Reservas Técnicas de Riesgos en Curso | -35,054.20 | -32,049.40 | -84,136.13 | -16,097.11 | -2,319.49 | -169,656.33 | | Matemática y por Cuenta de Inversión | 27,680.46 | 467.03 | -68,128.27 | 762.89 | 136.78 | -39,081.11 | | Prima no Devengada | -62,734.67 | -32,516.43 | -16,007.86 | -16,859.99 | -2,456.27 | -130,575.22 | | Variacion Neta de Reservas Técnicas de Previsión | 6,599.96 | 20,957.30 | 2,511.09 | 12,973.13 | 22,706.31 | 65,747.79 | | Reserva de Previsión | -2,577.94 | 14,525.95 | -1,829.66 | -6,951.45 | 18,501.44 | 21,668.34 | | Reserva Catastrófica | 9,177.91 | 6,431.35 | 4,340.75 | 19,924.58 | 4,204.87 | 44,079.45 | | Margen para Siniestros y Gastos | 710,027.30 | 406,666.91 | 743,036.25 | 720,163.59 | 204,908.89 | 2,784,802.94 | | Costo de Siniestralidad | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Siniestros Totales | 299,752.11 | 627,795.20 | 486,110.30 | 276,284.61 | 135,180.69 | 1,825,122.90 | | (-) Salvamentos y Recuperaciones | 22,376.97 | 2,930.58 | 11,573.91 | 24,332.85 | 6,025.30 | 67,239.61 | | Costo de Siniestralidad Neta | 277,375.14 | 624,864.61 | 474,536.40 | 251,951.76 | 129,155.39 | 1,757,883.29 | | (-) Neto recuperado por reaseguro /reafianzamiento cedido | 24,317.93 | 580,540.04 | 74,439.54 | 30,018.82 | 19,968.68 | 729,285.01 | | Siniestros Retenidos | 253,057.20 | 44,324.58 | 400,096.85 | 221,932.94 | 109,186.71 | 1,028,598.28 | | Gastos Operacionales | 402,722.67 | 414,442.31 | 531,595.39 | 434,252.77 | 141,468.09 | 1,924,481.23 | | Costos de Emisión | 153,034.04 | 309,390.72 | 295,002.85 | 217,477.19 | 71,211.97 | 1,046,116.77 | | Costo de Adquisición | 99,327.71 | 68,794.08 | 141,145.10 | 75,424.47 | 34,545.04 | 419,236.40 | | Otros Gastos de Adquisición | 30,924.51 | 219,041.36 | 95,678.68 | 71,067.05 | 24,519.49 | 441,231.08 | | Costos de Exceso de Pérdida | 22,781.82 | 21,555.27 | 58,179.07 | 70,985.68 | 12,147.44 | 185,649.28 | | Gastos de Operación (Netos) | 249,688.63 | 105,051.59 | 236,592.54 | 216,775.58 | 70,256.12 | 878,364.46 | | Gastos de Administración y Generales | 257,180.43 | 120,409.55 | 247,435.49 | 225,675.38 | 75,486.45 | 926,187.30 | | (-) Derechos de Emisión sobre Pólizas | 7,491.81 | 15,357.96 | 10,842.95 | 8,899.80 | 5,230.33 | 47,822.84 | | (-) Comisiones y Participaciones de Reaseguro y Reafianzamiento Cedido | 23,415.94 | 125,051.00 | 191,090.73 | 70,664.76 | 22,677.64 | 432,900.08 | | Utilidad o Pérdida Técnica | 77,663.37 | 72,951.03 | 2,434.73 | 134,642.64 | -23,068.27 | 264,623.50 | | Productos y Gastos Financieros (Netos) | 141,229.47 | 26,675.68 | 49,836.41 | 94,467.50 | 26,198.61 | 338,407.66 | | Productos Financieros | 141,375.62 | 35,457.16 | 48,464.15 | 99,026.77 | 26,236.54 | 350,560.25 | | Otros Productos Financieros | 8,592.72 | 25.03 | 9,812.08 | 741.18 | 239.21 | 19,410.23 | | Gastos Financieros | 0.00 | 4,920.59 | 5,520.89 | 4,718.08 | 0.00 | 15,159.56 | | Otros Gastos Financieros | 8,738.88 | 3,885.91 | 2,918.94 | 582.37 | 277.15 | 16,403.26 | | Resultados por Valoración de Instrumentos Financieros y Venta de Activos | -2,727.88 | 0.00 | 0.00 | -489.11 | 0.00 | -3,217.00 | | Resultados por Deterioro de Activos Financieros | 1,714.13 | 0.00 | -604.07 | -3,032.11 | 0.00 | -1,922.06 | | Resultado por Variaciones en el Tipo de Cambio (Neto) | 59,745.96 | 14,946.45 | 10,014.61 | 48,942.01 | 8,520.20 | 142,169.23 | | Ingresos por Efectos Cambiarios | 133,689.28 | 58,869.34 | 46,918.84 | 95,653.86 | 26,228.35 | 361,359.67 | | Egresos por Efectos Cambiarios | 73,943.32 | 43,922.88 | 36,904.24 | 46,711.85 | 17,708.15 | 219,190.44 | | Otros Productos y Gastos (Netos) | -2,144.91 | 5,704.43 | 19,786.25 | 4,136.22 | 101.42 | 27,583.40 | | Otros Productos | 25,758.81 | 13,277.16 | 29,025.93 | 39,444.47 | 7,987.03 | 115,493.40 | | Otros Gastos | 27,903.73 | 7,572.73 | 9,239.68 | 35,308.25 | 7,885.62 | 87,910.00 | | Utilidad o Pérdida antes del IR y Participaciones | 275,480.12 | 120,277.59 | 81,467.92 | 278,667.14 | 11,751.95 | 767,644.73 | | Gastos por Impuesto sobre la Renta | 0.00 | 32,962.09 | 28,953.79 | 50,921.31 | 9,818.87 | 122,656.06 | | Resultado por Participación Subsidiarias, Asociadas y Negocios Conjuntos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | RESULTADO DEL EJERCICIO | 275,480.12 | 87,315.51 | 52,514.13 | 227,745.83 | 1,933.08 | 644,988.68 |
| | 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 AGOSTO DE 2019 C$ 33.3979 X US$ 1.00 | |
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