| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 6,965,233.36 | 2,082,215.52 | 3,100,891.35 | 4,204,999.64 | 1,417,555.63 | 17,770,895.51 | | Efectivo y Equivalente al Efectivo | 124,955.76 | 100,106.69 | 58,402.22 | 332,938.79 | 114,464.28 | 730,867.74 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 68,939.63 | 0.00 | 0.00 | 0.00 | 68,939.63 | | 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 | 6,071,481.14 | 841,603.23 | 1,563,438.50 | 2,848,831.25 | 1,059,812.48 | 12,385,166.59 | | Inversiones a costo amortizado | 5,377,935.68 | 837,282.30 | 1,522,367.14 | 2,710,986.54 | 1,059,812.48 | 11,508,384.14 | | Cartera de Creditos, Neta | 693,545.46 | 4,320.93 | 41,071.36 | 137,844.71 | 0.00 | 876,782.46 | | Primas por Cobrar (neto) | 430,889.28 | 494,149.92 | 594,205.96 | 688,078.04 | 148,639.65 | 2,355,962.85 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 126,466.99 | 247,179.30 | 438,848.57 | 165,047.03 | 12,848.88 | 990,390.79 | | Otras cuentas por cobrar | 37,290.99 | 7,361.90 | 22,714.94 | 17,751.73 | 11,207.47 | 96,327.02 | | 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 | 0.00 | 0.00 | 0.00 | 0.00 | | Participaciones en acciones | 0.00 | 0.00 | 1,535.43 | 13,568.07 | 0.00 | 15,103.50 | | Activo material | 126,778.37 | 209,478.66 | 171,651.84 | 10,019.55 | 5,132.87 | 523,061.29 | | Activo intangible | 6,880.99 | 20,836.59 | 20,190.60 | 11,280.12 | 3,243.63 | 62,431.94 | | Activo fiscales | 3,238.18 | 466.63 | 77,383.13 | 60,904.90 | 32,666.36 | 174,659.20 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,739.61 | 5,670.20 | 19,409.81 | | Otros activos | 37,251.66 | 92,092.96 | 152,520.16 | 42,840.55 | 23,869.81 | 348,575.14 | | | | | | | | | PASIVOS | 3,161,410.31 | 1,478,755.96 | 2,096,415.49 | 2,474,135.65 | 1,052,988.98 | 10,263,706.38 | | Reservas tecnicas | 2,573,969.46 | 914,834.77 | 1,040,934.29 | 1,759,810.14 | 566,217.31 | 6,855,765.97 | | Reservas de Riesgo en Curso | 640,231.58 | 87,914.30 | 313,282.35 | 814,195.92 | 200,638.14 | 2,056,262.29 | | Reserva Matematica | 584,452.17 | 47,421.77 | 6,165.20 | 50,409.30 | 3,668.65 | 692,117.08 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 179,104.08 | 0.00 | 0.00 | 179,104.08 | | Reservas para siniestros pendientes de liquidación y/o pago | 441,732.55 | 193,839.22 | 338,398.64 | 329,960.21 | 59,673.46 | 1,363,604.08 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 22,158.13 | 9,691.96 | 16,918.46 | 16,498.07 | 2,983.67 | 68,250.29 | | Reservas de Contingencia | 110,619.16 | 417,532.39 | 50,768.96 | 109,568.08 | 205,278.37 | 893,766.96 | | Reservas para Riesgos Catastróficos | 774,775.87 | 158,435.13 | 136,296.61 | 439,178.56 | 93,975.02 | 1,602,661.19 | | 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 | 141,208.69 | 207,565.82 | 501,325.56 | 201,613.36 | 42,378.52 | 1,094,091.94 | | Obligaciones por operaciones de seguro y fianzas | 275,583.35 | 132,269.63 | 132,007.49 | 205,868.96 | 309,790.42 | 1,055,519.84 | | Primas en deposito | 4,808.15 | 52,969.72 | 9,246.59 | 66,564.96 | 8,954.29 | 142,543.72 | | Deposito en garantia por fianzas expedidas | 184,406.94 | 47,664.02 | 71,310.47 | 80,154.23 | 284,580.88 | 668,116.54 | | Acreedores por Primas a devolver | 38,059.37 | 1,488.47 | 0.00 | 1.28 | 0.00 | 39,549.12 | | Comisiones a intermediarios de seguros | 48,308.88 | 30,147.42 | 51,450.43 | 59,148.48 | 16,255.25 | 205,310.46 | | Pasivos financieros a costo amortizado | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | 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 | 58,616.71 | 153,643.91 | 148,428.69 | 149,633.22 | 53,018.57 | 563,341.09 | | Provisiones Laborales | 48,915.76 | 23,135.59 | 61,425.07 | 67,265.78 | 32,553.50 | 233,295.70 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 63,116.35 | 47,306.25 | 212,294.40 | 89,944.19 | 49,030.66 | 461,691.84 | | | | | | | | | PATRIMONIO | 3,803,823.05 | 603,459.55 | 1,004,475.86 | 1,730,864.00 | 364,566.66 | 7,507,189.13 | | Fondos propios | 3,762,701.10 | 585,089.86 | 968,963.45 | 1,731,550.52 | 364,566.66 | 7,412,871.59 | | Capital social pagado | 438,418.39 | 154,256.38 | 410,399.20 | 449,823.00 | 151,267.00 | 1,604,163.97 | | 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 | 205,470.88 | 127,424.12 | 192,572.45 | 312,259.28 | 63,693.93 | 901,420.67 | | Resultados acumulados | 2,730,691.71 | 249,649.29 | 208,603.60 | 788,819.59 | 111,337.35 | 4,089,101.54 | | Resultados del ejercicio | 388,120.12 | 53,760.08 | 157,388.20 | 180,648.28 | 38,268.37 | 818,185.05 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -686.52 | 0.00 | -686.52 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 6,965,233.36 | 2,082,215.52 | 3,100,891.35 | 4,204,999.64 | 1,417,555.63 | 17,770,895.51 | | | | | | | | | Cuentas de orden | 648,944,524.27 | 885,415,522.22 | 1,540,687,077.69 | 504,938,225.90 | 358,407,049.65 | 3,938,392,399.74 | | Responsabilidades en vigor | 454,247,923.16 | 467,664,393.00 | 838,913,821.72 | 388,735,782.61 | 219,125,547.44 | 2,368,687,467.93 | | Riesgos cedidos en reaseguro | 186,977,726.00 | 416,056,673.39 | 696,413,631.61 | 114,591,785.03 | 133,470,871.77 | 1,547,510,687.79 | | Responsabilidad por fianzas otorgadas | 707,490.34 | 415,613.28 | 1,485,629.54 | 619,489.86 | 2,563,266.40 | 5,791,489.42 | | Afianzamiento y reafianzamiento cedido | 575,812.66 | 321,499.54 | 882,200.91 | 0.00 | 2,144,591.46 | 3,924,104.56 | | Garantias y contragarantias recibidas | 1,946,257.68 | 952,290.79 | 2,856,498.74 | 922,883.96 | 1,072,099.55 | 7,750,030.72 | | Documentos y valores en custodia | 4,190,831.06 | 0.00 | 0.00 | 0.00 | 0.00 | 4,190,831.06 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 298,483.38 | 4,979.50 | 135,295.17 | 66,653.66 | 30,673.03 | 536,084.75 |
| | 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 NOVIEMBRE DE 2024 C$ 36.6243 X US$ 1.00 | |
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