| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,226,266.77 | 2,239,455.80 | 3,736,472.44 | 4,530,864.31 | 1,537,503.61 | 19,270,562.93 | | Efectivo y Equivalente al Efectivo | 181,388.31 | 118,579.27 | 146,850.89 | 183,155.68 | 142,584.45 | 772,558.60 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 64,212.61 | 0.00 | 0.00 | 0.00 | 64,212.61 | | 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 | 6,329,061.39 | 875,785.79 | 1,556,630.84 | 3,201,952.55 | 1,139,211.07 | 13,102,641.64 | | Inversiones a costo amortizado | 5,621,330.03 | 871,622.78 | 1,518,491.75 | 3,077,012.70 | 1,139,211.07 | 12,227,668.34 | | Cartera de Creditos, Neta | 707,731.36 | 4,163.01 | 38,139.09 | 124,939.84 | 0.00 | 874,973.30 | | Primas por Cobrar (neto) | 389,024.13 | 605,050.00 | 743,291.83 | 769,764.02 | 186,034.44 | 2,693,164.41 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 122,324.02 | 271,504.49 | 915,462.66 | 161,089.39 | 15,773.04 | 1,486,153.60 | | Otras cuentas por cobrar | 39,317.68 | 6,278.06 | 24,015.25 | 14,107.32 | 9,438.62 | 93,156.93 | | 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 | 1,017.00 | 13,568.07 | 0.00 | 14,585.08 | | Activo material | 132,027.53 | 206,791.32 | 169,097.37 | 20,375.65 | 5,882.51 | 534,174.39 | | Activo intangible | 6,190.75 | 22,177.39 | 96,985.50 | 15,262.60 | 2,759.51 | 143,375.75 | | Activo fiscales | 2,394.01 | 409.33 | 34,426.19 | 23,765.59 | 14,628.97 | 75,624.09 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 14,057.38 | 5,645.16 | 19,702.53 | | Otros activos | 24,538.94 | 68,667.55 | 48,694.90 | 113,766.05 | 15,545.85 | 271,213.29 | | | | | | | | | PASIVOS | 3,269,264.23 | 1,620,393.67 | 2,638,854.00 | 2,645,715.73 | 1,121,816.42 | 11,296,044.05 | | Reservas tecnicas | 2,737,487.61 | 928,138.96 | 1,268,252.23 | 1,967,978.02 | 596,047.84 | 7,497,904.67 | | Reservas de Riesgo en Curso | 667,708.21 | 86,728.82 | 284,509.10 | 888,555.80 | 213,313.68 | 2,140,815.61 | | Reserva Matematica | 583,749.48 | 48,713.67 | 6,035.93 | 56,279.42 | 4,010.85 | 698,789.34 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 177,136.96 | 0.00 | 0.00 | 177,136.96 | | Reservas para siniestros pendientes de liquidación y/o pago | 562,123.70 | 185,201.31 | 583,014.19 | 426,863.28 | 66,486.54 | 1,823,689.02 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 28,122.28 | 9,260.07 | 29,150.71 | 21,343.24 | 3,324.33 | 91,200.62 | | Reservas de Contingencia | 113,976.73 | 434,456.92 | 47,707.22 | 116,013.57 | 211,998.50 | 924,152.93 | | Reservas para Riesgos Catastróficos | 781,807.21 | 163,778.17 | 140,698.12 | 458,922.72 | 96,913.94 | 1,642,120.18 | | 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 | 72,393.57 | 307,145.37 | 794,206.27 | 176,156.23 | 75,467.34 | 1,425,368.79 | | Obligaciones por operaciones de seguro y fianzas | 278,223.22 | 185,251.45 | 196,092.29 | 205,612.47 | 325,527.74 | 1,190,707.18 | | Primas en deposito | 3,681.23 | 95,366.52 | 6,844.30 | 69,224.06 | 7,887.71 | 183,003.84 | | Deposito en garantia por fianzas expedidas | 185,496.23 | 44,272.92 | 80,484.70 | 68,510.71 | 299,384.58 | 678,149.14 | | Acreedores por Primas a devolver | 37,022.78 | 1,654.65 | 46,767.16 | 0.59 | 0.00 | 85,445.17 | | Comisiones a intermediarios de seguros | 52,022.98 | 43,957.36 | 61,996.12 | 67,877.11 | 18,255.45 | 244,109.03 | | 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 | 48,094.90 | 127,623.70 | 121,143.46 | 138,356.78 | 42,852.50 | 478,071.33 | | Provisiones Laborales | 62,107.53 | 18,651.71 | 52,278.68 | 62,827.81 | 32,308.23 | 228,173.95 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 70,957.40 | 53,582.47 | 206,881.06 | 94,784.42 | 49,612.78 | 475,818.13 | | | | | | | | | PATRIMONIO | 3,957,002.54 | 619,062.13 | 1,097,618.44 | 1,885,148.58 | 415,687.19 | 7,974,518.88 | | Fondos propios | 3,915,880.59 | 600,692.43 | 1,062,106.03 | 1,886,090.89 | 415,687.19 | 7,880,457.12 | | Capital social pagado | 438,418.39 | 156,893.45 | 483,100.00 | 449,823.00 | 151,267.00 | 1,679,501.84 | | 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 | 264,981.83 | 136,163.05 | 224,203.04 | 346,023.28 | 72,907.09 | 1,044,278.29 | | Resultados acumulados | 3,067,920.41 | 296,532.84 | 318,420.37 | 980,148.92 | 163,545.24 | 4,826,567.78 | | Resultados del ejercicio | 144,559.95 | 11,103.09 | 36,382.62 | 110,095.31 | 27,967.86 | 330,108.83 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | -942.30 | 0.00 | -942.30 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 7,226,266.77 | 2,239,455.80 | 3,736,472.44 | 4,530,864.31 | 1,537,503.61 | 19,270,562.93 | | | | | | | | | Cuentas de orden | 653,981,626.98 | 768,996,882.44 | 1,666,382,053.47 | 550,324,327.31 | 416,742,434.38 | 4,056,427,324.58 | | Responsabilidades en vigor | 457,912,470.09 | 410,111,909.13 | 905,220,478.78 | 424,420,386.95 | 253,967,722.95 | 2,451,632,967.91 | | Riesgos cedidos en reaseguro | 187,978,464.95 | 357,106,189.56 | 754,806,341.66 | 124,365,052.68 | 156,762,950.73 | 1,581,018,999.58 | | Responsabilidad por fianzas otorgadas | 745,751.14 | 462,725.55 | 1,684,802.18 | 549,759.53 | 2,686,105.41 | 6,129,143.81 | | Afianzamiento y reafianzamiento cedido | 617,407.71 | 345,182.82 | 1,027,057.22 | 0.00 | 2,234,370.33 | 4,224,018.07 | | Garantias y contragarantias recibidas | 1,998,282.57 | 965,302.34 | 3,504,131.52 | 928,413.73 | 1,044,501.77 | 8,440,631.93 | | Documentos y valores en custodia | 4,417,269.02 | 0.00 | 0.00 | 0.00 | 0.00 | 4,417,269.02 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 311,981.49 | 5,500.32 | 139,242.12 | 59,083.64 | 46,783.20 | 562,590.76 |
| | 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 2025 C$ 36.6243 X US$ 1.00 | |
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