| | 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 | 1,032,115.24 | 1,238,327.08 | 1,582,783.92 | 1,086,709.71 | 415,546.58 | 5,355,482.53 | | Primas Emitidas | 1,321,224.77 | 1,850,663.07 | 2,561,194.54 | 1,635,887.99 | 561,571.23 | 7,930,541.61 | | Devoluciones y Cancelaciones | 289,109.53 | 612,335.98 | 978,410.63 | 549,178.29 | 146,024.65 | 2,575,059.08 | | Primas Cedidas | 160,290.80 | 765,777.56 | 757,386.01 | 203,266.56 | 133,446.19 | 2,020,167.12 | | Primas Retenidas | 871,824.43 | 472,549.53 | 825,397.91 | 883,443.14 | 282,100.39 | 3,335,315.40 | | Variación de Reservas | -27,694.23 | -7,214.75 | -77,601.59 | -4,158.20 | 17,099.81 | -99,568.96 | | Variación Neta de Reservas Técnicas de Riesgos en Curso | -40,156.12 | -35,156.10 | -82,249.43 | -20,900.04 | -4,975.04 | -183,436.73 | | Matemática y por Cuenta de Inversión | 33,962.39 | 550.75 | -66,068.21 | 658.43 | 112.58 | -30,784.05 | | Prima no Devengada | -74,118.51 | -35,706.85 | -16,181.22 | -21,558.48 | -5,087.62 | -152,652.68 | | Variacion Neta de Reservas Técnicas de Previsión | 12,461.89 | 27,941.35 | 4,647.83 | 16,741.84 | 22,074.85 | 83,867.77 | | Reserva de Previsión | 1,073.49 | 20,203.99 | -697.36 | -7,754.21 | 17,531.91 | 30,357.82 | | Reserva Catastrófica | 11,388.40 | 7,737.37 | 5,345.19 | 24,496.05 | 4,542.95 | 53,509.95 | | Margen para Siniestros y Gastos | 899,518.66 | 479,764.27 | 902,999.50 | 887,601.35 | 265,000.58 | 3,434,884.36 | | Costo de Siniestralidad | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Siniestros Totales | 398,208.22 | 651,542.44 | 593,260.10 | 342,478.26 | 167,691.45 | 2,153,180.47 | | (-) Salvamentos y Recuperaciones | 23,503.63 | 3,283.86 | 15,153.33 | 30,314.53 | 7,278.82 | 79,534.16 | | Costo de Siniestralidad Neta | 374,704.59 | 648,258.58 | 578,106.78 | 312,163.74 | 160,412.63 | 2,073,646.30 | | (-) Neto recuperado por reaseguro /reafianzamiento cedido | 32,982.46 | 579,500.44 | 99,927.92 | 36,741.43 | 22,169.07 | 771,321.32 | | Siniestros Retenidos | 341,722.13 | 68,758.14 | 478,178.86 | 275,422.30 | 138,243.56 | 1,302,324.98 | | Gastos Operacionales | 502,989.53 | 504,766.73 | 660,010.63 | 548,568.08 | 181,736.12 | 2,398,071.09 | | Costos de Emisión | 194,897.80 | 374,439.86 | 363,097.36 | 273,955.40 | 91,320.77 | 1,297,711.19 | | Costo de Adquisición | 126,648.59 | 84,195.63 | 179,342.72 | 93,134.83 | 44,499.85 | 527,821.62 | | Otros Gastos de Adquisición | 40,510.08 | 262,498.54 | 116,688.47 | 91,730.63 | 31,364.54 | 542,792.25 | | Costos de Exceso de Pérdida | 27,739.13 | 27,745.69 | 67,066.17 | 89,089.95 | 15,456.38 | 227,097.32 | | Gastos de Operación (Netos) | 308,091.73 | 130,326.86 | 296,913.27 | 274,612.68 | 90,415.36 | 1,100,359.90 | | Gastos de Administración y Generales | 317,519.93 | 148,640.99 | 310,387.58 | 285,543.35 | 96,836.29 | 1,158,928.13 | | (-) Derechos de Emisión sobre Pólizas | 9,428.20 | 18,314.13 | 13,474.31 | 10,930.67 | 6,420.93 | 58,568.23 | | (-) Comisiones y Participaciones de Reaseguro y Reafianzamiento Cedido | 28,038.56 | 155,378.78 | 226,932.55 | 86,138.84 | 27,271.86 | 523,760.59 | | Utilidad o Pérdida Técnica | 82,845.56 | 61,618.19 | -8,257.44 | 149,749.80 | -27,707.24 | 258,248.88 | | Productos y Gastos Financieros (Netos) | 183,738.93 | 35,028.55 | 61,358.93 | 115,756.10 | 40,281.60 | 436,164.12 | | Productos Financieros | 182,995.63 | 45,179.28 | 57,684.48 | 121,574.57 | 40,335.12 | 447,769.09 | | Otros Productos Financieros | 11,216.98 | 29.53 | 13,276.18 | 881.75 | 309.73 | 25,714.16 | | Gastos Financieros | 0.00 | 6,146.30 | 5,713.75 | 6,097.70 | 0.00 | 17,957.75 | | Otros Gastos Financieros | 10,473.68 | 4,033.96 | 3,887.98 | 602.52 | 363.25 | 19,361.39 | | Resultados por Valoración de Instrumentos Financieros y Venta de Activos | -2,727.88 | 0.00 | 0.00 | 1,634.03 | 0.00 | -1,093.85 | | Resultados por Deterioro de Activos Financieros | 1,504.53 | 0.00 | 62.77 | -2,785.17 | 0.00 | -1,217.88 | | Resultado por Variaciones en el Tipo de Cambio (Neto) | 75,745.57 | 19,277.91 | 12,337.39 | 61,220.74 | 10,099.86 | 178,681.47 | | Ingresos por Efectos Cambiarios | 167,669.14 | 76,206.68 | 57,576.60 | 119,259.71 | 32,762.17 | 453,474.29 | | Egresos por Efectos Cambiarios | 91,923.57 | 56,928.77 | 45,239.21 | 58,038.97 | 22,662.31 | 274,792.82 | | Otros Productos y Gastos (Netos) | -9,708.91 | 7,478.30 | 25,022.63 | 18,230.45 | -395.90 | 40,626.57 | | Otros Productos | 29,296.00 | 15,999.03 | 33,749.94 | 56,786.95 | 9,743.22 | 145,575.14 | | Otros Gastos | 39,004.91 | 8,520.73 | 8,727.31 | 38,556.50 | 10,139.12 | 104,948.56 | | Utilidad o Pérdida antes del IR y Participaciones | 331,397.80 | 123,402.96 | 90,524.28 | 343,805.95 | 22,278.32 | 911,409.31 | | Gastos por Impuesto sobre la Renta | 0.00 | 37,222.51 | 38,494.45 | 62,606.00 | 13,532.50 | 151,855.46 | | Resultado por Participación Subsidiarias, Asociadas y Negocios Conjuntos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | RESULTADO DEL EJERCICIO | 331,397.80 | 86,180.45 | 52,029.83 | 281,199.95 | 8,745.83 | 759,553.85 |
| | 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 2019 C$ 33.6713 X US$ 1.00 | |
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