| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,127,842.98 | 2,454,400.06 | 2,817,014.14 | 3,773,255.69 | 1,316,905.85 | 16,489,418.71 | | Efectivo y Equivalente al Efectivo | 181,348.77 | 168,305.02 | 124,847.16 | 240,797.00 | 106,135.76 | 821,433.70 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 61,405.00 | 0.00 | 0.00 | 0.00 | 61,405.00 | | 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 | 5,250,579.10 | 997,413.72 | 1,499,936.08 | 2,596,528.74 | 858,059.54 | 11,202,517.18 | | Inversiones a costo amortizado | 4,802,259.39 | 992,754.02 | 1,437,894.58 | 2,433,039.36 | 858,059.54 | 10,524,006.89 | | Cartera de Creditos, Neta | 448,319.71 | 4,659.70 | 62,041.50 | 163,489.38 | 0.00 | 678,510.29 | | Primas por Cobrar (neto) | 436,994.12 | 478,637.35 | 621,142.89 | 542,646.61 | 178,422.10 | 2,257,843.08 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 96,240.69 | 490,152.45 | 224,139.03 | 169,281.93 | 135,791.36 | 1,115,605.46 | | Otras cuentas por cobrar | 42,763.24 | 4,190.88 | 8,052.18 | 25,274.00 | 10,464.34 | 90,744.64 | | 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 | 13,455.38 | 0.00 | 35,205.61 | | Activo material | 82,450.98 | 218,608.51 | 165,900.29 | 11,123.88 | 2,378.92 | 480,462.58 | | Activo intangible | 9,779.98 | 20,486.97 | 7,804.50 | 4,186.45 | 1,103.90 | 43,361.81 | | Activo fiscales | 1,394.94 | 0.00 | 8,758.21 | 6,246.79 | 4,027.28 | 20,427.22 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,247.31 | 0.00 | 14,247.31 | | Otros activos | 26,291.15 | 15,200.17 | 133,480.31 | 149,467.59 | 20,522.65 | 344,961.87 | | | | | | | | | PASIVOS | 2,902,065.37 | 1,722,475.82 | 1,847,879.17 | 1,962,370.60 | 1,006,497.18 | 9,441,288.13 | | Reservas tecnicas | 2,310,381.40 | 1,031,878.84 | 1,080,000.03 | 1,376,160.40 | 587,867.87 | 6,386,288.54 | | Reservas de Riesgo en Curso | 539,174.73 | 80,679.37 | 389,141.76 | 620,449.60 | 166,344.84 | 1,795,790.29 | | Reserva Matematica | 574,684.20 | 42,506.65 | 4,093.81 | 32,241.47 | 2,938.50 | 656,464.63 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 251,839.14 | 0.00 | 0.00 | 251,839.14 | | Reservas para siniestros pendientes de liquidación y/o pago | 343,851.40 | 380,438.77 | 246,713.44 | 248,766.86 | 172,141.00 | 1,391,911.47 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 17,190.97 | 19,021.94 | 12,336.76 | 12,438.38 | 8,607.05 | 69,595.10 | | Reservas de Contingencia | 102,034.40 | 371,271.98 | 54,487.72 | 86,237.23 | 153,372.86 | 767,404.19 | | Reservas para Riesgos Catastróficos | 733,445.69 | 137,960.14 | 121,387.40 | 376,026.86 | 84,463.63 | 1,453,283.73 | | 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 | 140,979.48 | 358,635.57 | 415,360.21 | 223,421.01 | 57,855.06 | 1,196,251.33 | | Obligaciones por operaciones de seguro y fianzas | 259,324.25 | 124,323.41 | 119,393.68 | 146,452.27 | 261,400.29 | 910,893.89 | | Primas en deposito | 4,904.59 | 35,497.50 | 9,127.23 | 34,371.91 | 10,364.43 | 94,265.66 | | Deposito en garantia por fianzas expedidas | 156,860.21 | 50,687.04 | 52,916.72 | 58,809.17 | 232,748.82 | 552,021.96 | | Acreedores por Primas a devolver | 36,403.64 | 1,041.60 | 0.00 | 94.94 | 0.00 | 37,540.18 | | Comisiones a intermediarios de seguros | 61,155.82 | 37,097.27 | 57,349.73 | 53,176.26 | 18,287.03 | 227,066.10 | | Pasivos financieros a costo amortizado | 0.00 | 39,595.36 | 0.00 | 0.00 | 0.00 | 39,595.36 | | 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 | 39,595.36 | 0.00 | 0.00 | 0.00 | 39,595.36 | | 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 | 43,192.93 | 84,102.60 | 117,665.96 | 81,554.84 | 23,078.92 | 349,595.25 | | Provisiones Laborales | 64,586.52 | 19,706.51 | 48,884.05 | 50,906.58 | 21,230.82 | 205,314.48 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 83,600.79 | 64,233.53 | 66,575.24 | 83,875.49 | 55,064.23 | 353,349.28 | | | | | | | | | PATRIMONIO | 3,225,777.61 | 731,924.24 | 969,134.97 | 1,810,885.09 | 310,408.67 | 7,048,130.58 | | Fondos propios | 3,184,655.66 | 713,554.54 | 933,622.56 | 1,811,342.88 | 310,408.67 | 6,953,584.30 | | 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 | 158,293.26 | 16,088.26 | 18,261.04 | 60,953.71 | -187.77 | 253,408.51 | | 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 | 6,127,842.98 | 2,454,400.06 | 2,817,014.14 | 3,773,255.69 | 1,316,905.85 | 16,489,418.71 | | | | | | | | | Cuentas de orden | 592,965,780.53 | 898,044,217.49 | 1,482,055,731.88 | 456,318,242.44 | 354,960,052.88 | 3,784,344,025.23 | | Responsabilidades en vigor | 406,493,512.45 | 469,270,172.06 | 824,020,624.53 | 324,039,137.06 | 226,722,475.39 | 2,250,545,921.49 | | Riesgos cedidos en reaseguro | 183,366,841.61 | 426,413,356.90 | 651,416,111.84 | 131,000,806.45 | 124,002,344.32 | 1,516,199,461.12 | | Responsabilidad por fianzas otorgadas | 692,990.49 | 621,863.06 | 2,392,441.17 | 435,929.00 | 1,768,592.20 | 5,911,815.93 | | Afianzamiento y reafianzamiento cedido | 564,343.45 | 551,168.36 | 1,875,818.27 | 0.00 | 1,452,877.14 | 4,444,207.23 | | Garantias y contragarantias recibidas | 1,263,429.78 | 1,184,224.93 | 2,232,771.85 | 801,964.76 | 1,001,051.41 | 6,483,442.72 | | Documentos y valores en custodia | 326,666.89 | 0.00 | 0.00 | 0.00 | 0.00 | 326,666.89 | | Primas por cobrar retiradas del activo | 0.00 | 72.12 | 0.00 | 0.00 | 0.00 | 72.12 | | Cuentas de registro diversas | 257,995.85 | 3,360.06 | 117,964.22 | 40,405.18 | 12,712.42 | 432,437.73 |
| | 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 28 DE FEBRERO DE 2023 C$ 36.3201 X US$ 1.00 | |
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