| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,094,108.95 | 2,384,805.13 | 2,566,073.58 | 4,467,931.43 | 1,353,112.71 | 16,866,031.80 | | Efectivo y Equivalente al Efectivo | 188,463.69 | 102,539.14 | 71,849.49 | 220,477.08 | 96,059.96 | 679,389.37 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 60,763.27 | 0.00 | 0.00 | 0.00 | 60,763.27 | | 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 | 5,321,231.97 | 1,027,300.16 | 1,477,127.57 | 3,217,172.48 | 876,904.55 | 11,919,736.73 | | Inversiones a costo amortizado | 4,846,017.41 | 1,022,119.71 | 1,416,677.00 | 3,055,450.74 | 876,904.55 | 11,217,169.41 | | Cartera de Creditos, Neta | 475,214.55 | 5,180.45 | 60,450.57 | 161,721.74 | 0.00 | 702,567.31 | | Primas por Cobrar (neto) | 350,973.30 | 462,151.60 | 492,946.51 | 659,688.81 | 206,484.12 | 2,172,244.35 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 81,795.70 | 438,633.50 | 192,585.80 | 157,826.55 | 135,635.31 | 1,006,476.86 | | Otras cuentas por cobrar | 40,305.06 | 4,786.46 | 8,566.54 | 23,679.37 | 9,547.53 | 86,884.96 | | 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 | 3,902.61 | 13,477.75 | 0.00 | 17,380.37 | | Activo material | 81,052.84 | 216,143.70 | 165,703.52 | 10,883.59 | 2,212.42 | 475,996.06 | | Activo intangible | 9,503.88 | 21,039.35 | 7,159.42 | 7,873.61 | 5,501.61 | 51,077.87 | | Activo fiscales | 1,447.56 | 0.00 | 17,430.12 | 16,492.12 | 7,891.60 | 43,261.41 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,173.84 | 0.00 | 14,173.84 | | Otros activos | 19,334.94 | 51,447.96 | 127,598.74 | 126,186.22 | 12,875.60 | 337,443.46 | | | | | | | | | PASIVOS | 2,815,923.53 | 1,658,810.34 | 1,599,279.62 | 2,625,737.43 | 1,032,640.82 | 9,732,391.75 | | Reservas tecnicas | 2,309,369.71 | 1,015,844.90 | 1,046,982.87 | 1,374,306.39 | 592,645.56 | 6,339,149.43 | | Reservas de Riesgo en Curso | 543,056.19 | 81,563.83 | 391,220.82 | 641,553.90 | 165,211.83 | 1,822,606.57 | | Reserva Matematica | 575,729.79 | 42,645.85 | 4,366.50 | 33,208.27 | 2,979.54 | 658,929.95 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 240,456.96 | 0.00 | 0.00 | 240,456.96 | | Reservas para siniestros pendientes de liquidación y/o pago | 329,983.22 | 355,317.51 | 224,670.16 | 218,713.84 | 172,822.06 | 1,301,506.78 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 18,032.49 | 17,765.88 | 11,234.63 | 10,935.72 | 8,641.10 | 66,609.83 | | Reservas de Contingencia | 105,081.99 | 379,594.08 | 52,439.85 | 88,733.52 | 157,250.52 | 783,099.97 | | Reservas para Riesgos Catastróficos | 737,486.02 | 138,957.75 | 122,593.94 | 381,161.15 | 85,740.50 | 1,465,939.37 | | 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 | 66,708.25 | 333,290.82 | 203,809.09 | 309,679.29 | 77,657.36 | 991,144.82 | | Obligaciones por operaciones de seguro y fianzas | 236,293.31 | 116,368.84 | 102,714.77 | 136,460.14 | 254,474.73 | 846,311.79 | | Primas en deposito | 3,809.45 | 31,970.78 | 8,830.69 | 33,068.66 | 10,977.41 | 88,657.00 | | Deposito en garantia por fianzas expedidas | 141,592.61 | 49,621.46 | 40,734.48 | 53,519.47 | 223,887.47 | 509,355.49 | | Acreedores por Primas a devolver | 38,709.13 | 1,207.15 | 0.00 | 17.75 | 0.00 | 39,934.03 | | Comisiones a intermediarios de seguros | 52,182.12 | 33,569.45 | 53,149.60 | 49,854.25 | 19,609.85 | 208,365.27 | | Pasivos financieros a costo amortizado | 0.00 | 33,193.84 | 0.00 | 561,167.36 | 0.00 | 594,361.20 | | 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 | 33,193.84 | 0.00 | 561,167.36 | 0.00 | 594,361.20 | | 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 | 36,200.66 | 93,288.39 | 116,888.39 | 114,320.48 | 36,562.85 | 397,260.77 | | Provisiones Laborales | 65,997.02 | 18,566.78 | 50,924.15 | 52,632.81 | 23,463.48 | 211,584.25 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 101,354.59 | 48,256.76 | 77,960.35 | 77,170.95 | 47,836.85 | 352,579.50 | | | | | | | | | PATRIMONIO | 3,278,185.42 | 725,994.79 | 966,793.96 | 1,842,194.00 | 320,471.89 | 7,133,640.06 | | Fondos propios | 3,237,063.46 | 707,625.09 | 931,281.55 | 1,842,651.78 | 320,471.89 | 7,039,093.78 | | Capital social pagado | 301,437.80 | 154,256.38 | 265,000.00 | 449,823.00 | 145,305.00 | 1,315,822.18 | | 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 | 420,820.94 | 461,633.17 | 1,015,696.90 | 106,652.78 | 4,439,509.70 | | Resultados del ejercicio | 210,701.07 | 10,158.81 | 37,346.99 | 92,262.61 | 9,875.46 | 360,344.94 | | 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 | 6,094,108.95 | 2,384,805.13 | 2,566,073.58 | 4,467,931.43 | 1,353,112.71 | 16,866,031.80 | | | | | | | | | Cuentas de orden | 599,306,298.30 | 811,093,051.56 | 1,601,830,960.90 | 470,454,098.08 | 352,104,135.23 | 3,834,788,544.07 | | Responsabilidades en vigor | 412,406,456.78 | 426,171,795.38 | 885,744,424.60 | 333,520,117.64 | 224,942,456.39 | 2,282,785,250.79 | | Riesgos cedidos en reaseguro | 183,362,413.43 | 382,590,551.01 | 709,869,453.03 | 135,043,452.10 | 123,207,957.57 | 1,534,073,827.13 | | Responsabilidad por fianzas otorgadas | 664,651.03 | 605,697.19 | 2,163,358.59 | 501,128.91 | 1,593,748.82 | 5,528,584.53 | | Afianzamiento y reafianzamiento cedido | 539,168.86 | 539,425.13 | 1,676,614.55 | 0.00 | 1,347,355.26 | 4,102,563.80 | | Garantias y contragarantias recibidas | 1,747,357.66 | 1,182,411.79 | 2,245,214.11 | 786,788.58 | 994,450.77 | 6,956,222.91 | | Documentos y valores en custodia | 327,457.49 | 0.00 | 0.00 | 0.00 | 0.00 | 327,457.49 | | Primas por cobrar retiradas del activo | 0.00 | 72.24 | 0.00 | 0.00 | 0.00 | 72.24 | | Cuentas de registro diversas | 258,793.06 | 3,098.82 | 131,896.02 | 602,610.85 | 18,166.42 | 1,014,565.18 |
| | 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 30 DE ABRIL DE 2023 C$ 36.3805 X US$ 1.00 | |
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