| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 5,973,171.71 | 2,290,306.17 | 2,515,022.58 | 3,551,126.15 | 1,171,257.00 | 15,500,883.60 | | Efectivo y Equivalente al Efectivo | 506,943.82 | 337,338.80 | 52,364.33 | 237,140.93 | 141,544.60 | 1,275,332.47 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 55,791.89 | 0.00 | 0.00 | 0.00 | 55,791.89 | | 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 | 4,840,177.22 | 1,007,404.58 | 1,278,152.67 | 2,513,869.45 | 825,974.06 | 10,465,577.98 | | Inversiones a costo amortizado | 4,421,598.59 | 1,002,859.00 | 1,213,058.33 | 2,343,920.57 | 825,974.06 | 9,807,410.56 | | Cartera de Creditos, Neta | 418,578.63 | 4,545.57 | 65,094.34 | 169,948.88 | 0.00 | 658,167.42 | | Primas por Cobrar (neto) | 366,608.01 | 373,838.70 | 397,510.27 | 453,556.79 | 132,766.50 | 1,724,280.26 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 99,895.06 | 238,288.55 | 170,564.24 | 185,798.12 | 11,848.97 | 706,394.94 | | Otras cuentas por cobrar | 34,675.47 | 2,177.92 | 8,683.77 | 26,494.14 | 13,025.08 | 85,056.39 | | 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 | 1,203.26 | 0.00 | 0.00 | 1,203.26 | | Participaciones en acciones | 0.00 | 0.00 | 264,208.04 | 13,378.17 | 0.00 | 277,586.21 | | Activo material | 80,155.09 | 222,724.67 | 163,075.48 | 11,000.23 | 2,811.50 | 479,766.97 | | Activo intangible | 10,332.17 | 18,716.12 | 8,665.69 | 6,204.55 | 1,469.76 | 45,388.29 | | Activo fiscales | 2,696.01 | 0.00 | 34,514.38 | 44,139.45 | 13,819.33 | 95,169.17 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,931.96 | 0.00 | 13,931.96 | | Otros activos | 31,688.86 | 34,024.93 | 136,080.45 | 45,612.37 | 27,997.21 | 275,403.82 | | | | | | | | | PASIVOS | 2,954,598.48 | 1,578,906.67 | 1,601,889.59 | 1,820,791.24 | 862,988.65 | 8,819,174.63 | | Reservas tecnicas | 2,295,227.64 | 805,823.61 | 1,028,033.67 | 1,362,245.34 | 450,150.00 | 5,941,480.25 | | Reservas de Riesgo en Curso | 537,550.98 | 80,037.34 | 381,698.26 | 608,218.63 | 170,816.72 | 1,778,321.94 | | Reserva Matematica | 570,429.56 | 40,977.53 | 4,046.85 | 28,539.23 | 3,512.39 | 647,505.57 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 244,047.03 | 0.00 | 0.00 | 244,047.03 | | Reservas para siniestros pendientes de liquidación y/o pago | 344,562.52 | 183,570.74 | 216,531.11 | 272,762.29 | 45,076.57 | 1,062,503.22 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 18,682.99 | 9,178.54 | 10,828.91 | 13,638.15 | 2,253.83 | 54,582.42 | | Reservas de Contingencia | 100,782.83 | 356,686.28 | 53,475.61 | 79,998.39 | 146,616.45 | 737,559.56 | | Reservas para Riesgos Catastróficos | 723,218.75 | 135,373.17 | 117,405.90 | 359,088.66 | 81,874.04 | 1,416,960.52 | | 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 | 90,972.03 | 469,305.95 | 231,031.38 | 108,579.38 | 46,407.30 | 946,296.04 | | Obligaciones por operaciones de seguro y fianzas | 233,510.24 | 103,499.60 | 117,952.84 | 119,755.07 | 275,980.57 | 850,698.33 | | Primas en deposito | 4,213.47 | 31,055.41 | 9,743.13 | 26,469.77 | 7,006.05 | 78,487.83 | | Deposito en garantia por fianzas expedidas | 146,608.14 | 48,444.54 | 68,801.26 | 50,638.51 | 252,423.27 | 566,915.73 | | Acreedores por Primas a devolver | 33,118.50 | 1,281.57 | 0.00 | 8.93 | 0.00 | 34,409.01 | | Comisiones a intermediarios de seguros | 49,570.12 | 22,718.08 | 39,408.45 | 42,637.87 | 16,551.25 | 170,885.77 | | Pasivos financieros a costo amortizado | 0.00 | 52,053.22 | 0.00 | 0.00 | 0.00 | 52,053.22 | | 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 | 52,053.22 | 0.00 | 0.00 | 0.00 | 52,053.22 | | 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 | 39,857.04 | 92,144.09 | 110,748.41 | 104,379.09 | 29,450.76 | 376,579.38 | | Provisiones Laborales | 69,548.22 | 23,278.46 | 57,145.35 | 54,052.27 | 22,665.38 | 226,689.68 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 225,483.32 | 32,801.74 | 56,977.94 | 71,780.09 | 38,334.64 | 425,377.73 | | | | | | | | | PATRIMONIO | 3,018,573.23 | 711,399.49 | 913,132.99 | 1,730,334.92 | 308,268.35 | 6,681,708.97 | | Fondos propios | 2,977,451.27 | 693,029.79 | 877,620.58 | 1,729,444.57 | 308,268.35 | 6,585,814.57 | | Capital social pagado | 301,437.80 | 146,987.40 | 265,000.00 | 449,823.00 | 145,305.00 | 1,308,553.20 | | 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 | 237,108.05 | 120,185.94 | 153,107.25 | 263,319.99 | 55,448.76 | 829,169.98 | | Resultados acumulados | 2,133,745.68 | 415,606.08 | 402,626.59 | 893,586.44 | 102,976.69 | 3,948,541.48 | | Resultados del ejercicio | 305,159.74 | 10,250.38 | 56,886.74 | 122,714.77 | 4,537.90 | 499,549.54 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | 890.34 | 0.00 | 890.34 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 5,973,171.71 | 2,290,306.17 | 2,515,022.58 | 3,551,126.15 | 1,171,257.00 | 15,500,883.60 | | | | | | | | | Cuentas de orden | 580,729,700.98 | 828,665,095.69 | 1,190,909,061.15 | 442,864,489.69 | 370,903,313.92 | 3,414,071,661.44 | | Responsabilidades en vigor | 401,361,145.21 | 434,163,217.42 | 669,949,944.54 | 313,422,765.74 | 236,044,421.44 | 2,054,941,494.34 | | Riesgos cedidos en reaseguro | 175,960,384.28 | 392,169,166.98 | 514,690,525.35 | 128,192,484.65 | 130,421,176.98 | 1,341,433,738.24 | | Responsabilidad por fianzas otorgadas | 807,636.73 | 608,274.93 | 2,228,158.59 | 406,100.24 | 1,851,433.77 | 5,901,604.26 | | Afianzamiento y reafianzamiento cedido | 667,257.32 | 538,680.56 | 1,729,276.20 | 0.00 | 1,508,352.31 | 4,443,566.39 | | Garantias y contragarantias recibidas | 1,473,284.51 | 1,182,444.57 | 2,194,724.60 | 811,692.32 | 1,055,648.00 | 6,717,794.00 | | Documentos y valores en custodia | 328,890.27 | 0.00 | 0.00 | 0.00 | 0.00 | 328,890.27 | | Primas por cobrar retiradas del activo | 0.00 | 71.71 | 0.00 | 0.00 | 0.00 | 71.71 | | Cuentas de registro diversas | 131,102.66 | 3,239.52 | 116,431.88 | 31,446.74 | 22,281.43 | 304,502.24 |
| | 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 2022 C$ 36.1117 X US$ 1.00 | |
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