| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,097,359.10 | 2,422,381.75 | 2,772,364.29 | 3,804,777.99 | 1,217,614.65 | 16,314,497.76 | | Efectivo y Equivalente al Efectivo | 215,571.79 | 112,384.72 | 96,405.99 | 130,047.46 | 137,733.46 | 692,143.42 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 63,677.07 | 0.00 | 0.00 | 0.00 | 63,677.07 | | 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 | 5,144,480.03 | 1,006,190.97 | 1,493,650.81 | 2,676,594.07 | 829,426.43 | 11,150,342.30 | | Inversiones a costo amortizado | 4,704,740.09 | 1,001,556.21 | 1,431,168.63 | 2,512,062.15 | 829,426.43 | 10,478,953.51 | | Cartera de Creditos, Neta | 439,739.93 | 4,634.77 | 62,482.18 | 164,531.92 | 0.00 | 671,388.79 | | Primas por Cobrar (neto) | 465,919.92 | 484,841.11 | 674,784.89 | 530,301.07 | 195,887.96 | 2,351,734.94 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 97,029.34 | 478,275.30 | 166,123.86 | 177,261.92 | 14,668.93 | 933,359.35 | | Otras cuentas por cobrar | 51,578.61 | 5,223.60 | 10,771.67 | 25,929.77 | 10,584.99 | 104,088.65 | | 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 | 21,750.24 | 13,445.12 | 0.00 | 35,195.35 | | Activo material | 81,733.12 | 219,964.49 | 162,020.76 | 11,192.22 | 2,439.68 | 477,350.27 | | Activo intangible | 9,918.03 | 19,998.28 | 7,222.32 | 4,853.94 | 1,189.27 | 43,181.84 | | Activo fiscales | 1,975.69 | 0.00 | 5,580.23 | 58,634.13 | 2,740.39 | 68,930.45 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,168.60 | 0.00 | 14,168.60 | | Otros activos | 29,152.57 | 31,826.19 | 132,850.26 | 162,349.69 | 22,943.54 | 379,122.25 | | | | | | | | | PASIVOS | 2,909,792.53 | 1,690,245.76 | 1,812,742.03 | 2,011,292.34 | 897,898.60 | 9,321,971.25 | | Reservas tecnicas | 2,307,838.63 | 1,023,802.81 | 1,025,791.01 | 1,380,237.07 | 452,601.37 | 6,190,270.88 | | Reservas de Riesgo en Curso | 545,446.18 | 80,532.45 | 387,412.40 | 624,081.93 | 166,425.45 | 1,803,898.41 | | Reserva Matematica | 575,661.20 | 42,034.60 | 4,072.23 | 30,904.83 | 3,807.44 | 656,480.30 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 249,884.49 | 0.00 | 0.00 | 249,884.49 | | Reservas para siniestros pendientes de liquidación y/o pago | 335,685.00 | 378,298.64 | 200,168.91 | 253,040.18 | 46,775.37 | 1,213,968.10 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 18,037.38 | 18,914.93 | 10,008.68 | 12,652.04 | 2,338.77 | 61,951.81 | | Reservas de Contingencia | 101,685.42 | 366,421.18 | 53,591.84 | 86,610.29 | 149,188.90 | 757,497.63 | | Reservas para Riesgos Catastróficos | 731,323.45 | 137,601.00 | 120,652.45 | 372,947.80 | 84,065.44 | 1,446,590.14 | | 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 | 135,281.73 | 331,994.25 | 426,936.17 | 212,614.17 | 74,971.30 | 1,181,797.62 | | Obligaciones por operaciones de seguro y fianzas | 266,784.95 | 132,175.69 | 121,611.27 | 150,480.08 | 270,851.62 | 941,903.61 | | Primas en deposito | 5,428.17 | 40,505.01 | 7,789.59 | 38,636.88 | 8,648.20 | 101,007.84 | | Deposito en garantia por fianzas expedidas | 161,000.45 | 50,500.61 | 53,792.33 | 56,277.61 | 242,766.79 | 564,337.79 | | Acreedores por Primas a devolver | 35,130.68 | 576.63 | 0.00 | 3.78 | 0.00 | 35,711.10 | | Comisiones a intermediarios de seguros | 65,225.65 | 40,593.44 | 60,029.35 | 55,561.80 | 19,436.63 | 240,846.88 | | Pasivos financieros a costo amortizado | 0.00 | 42,784.23 | 0.00 | 0.00 | 0.00 | 42,784.23 | | 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 | 42,784.23 | 0.00 | 0.00 | 0.00 | 42,784.23 | | 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 | 44,902.13 | 100,526.76 | 120,297.29 | 134,466.94 | 28,297.86 | 428,490.97 | | Provisiones Laborales | 60,224.24 | 19,017.87 | 47,509.68 | 49,541.48 | 20,453.22 | 196,746.49 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 94,760.85 | 39,944.15 | 70,596.61 | 83,952.61 | 50,723.23 | 339,977.44 | | | | | | | | | PATRIMONIO | 3,187,566.57 | 732,135.99 | 959,622.26 | 1,793,485.64 | 319,716.05 | 6,992,526.51 | | Fondos propios | 3,146,444.62 | 713,766.29 | 924,109.85 | 1,793,943.43 | 319,716.05 | 6,897,980.23 | | 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 | 290,218.68 | 122,388.97 | 167,301.40 | 284,868.90 | 58,638.65 | 923,416.60 | | Resultados acumulados | 2,434,705.91 | 428,089.92 | 483,060.12 | 1,015,696.90 | 106,652.78 | 4,468,205.63 | | Resultados del ejercicio | 120,082.22 | 16,300.01 | 8,748.33 | 43,554.26 | 9,119.62 | 197,804.44 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -457.79 | 0.00 | -457.79 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,097,359.10 | 2,422,381.75 | 2,772,364.29 | 3,804,777.99 | 1,217,614.65 | 16,314,497.76 | | | | | | | | | Cuentas de orden | 591,541,614.37 | 886,614,395.45 | 1,431,902,780.70 | 456,180,074.86 | 354,493,400.39 | 3,720,732,265.76 | | Responsabilidades en vigor | 405,561,063.16 | 463,445,901.66 | 796,289,573.70 | 323,258,913.99 | 227,683,300.87 | 2,216,238,753.37 | | Riesgos cedidos en reaseguro | 183,036,604.46 | 420,960,690.86 | 628,906,507.11 | 131,597,931.67 | 122,794,678.84 | 1,487,296,412.94 | | Responsabilidad por fianzas otorgadas | 690,185.91 | 570,045.79 | 2,431,295.41 | 444,581.24 | 1,645,633.07 | 5,781,741.42 | | Afianzamiento y reafianzamiento cedido | 562,209.96 | 501,006.84 | 1,945,333.65 | 0.00 | 1,365,897.06 | 4,374,447.51 | | Garantias y contragarantias recibidas | 1,110,335.51 | 1,133,247.40 | 2,210,030.10 | 844,458.80 | 990,455.86 | 6,288,527.67 | | Documentos y valores en custodia | 464,860.45 | 0.00 | 0.00 | 0.00 | 0.00 | 464,860.45 | | Primas por cobrar retiradas del activo | 0.00 | 72.06 | 0.00 | 0.00 | 0.00 | 72.06 | | Cuentas de registro diversas | 116,354.91 | 3,430.84 | 120,040.73 | 34,189.17 | 13,434.68 | 287,450.33 |
| | 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 ENERO DE 2023 C$ 36.2924 X US$ 1.00 | |
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