| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 7,460,837.10 | 2,540,435.13 | 0.00 | 4,697,391.85 | 1,649,230.71 | 16,347,894.80 | | Efectivo y Equivalente al Efectivo | 281,444.61 | 190,420.85 | 0.00 | 497,046.20 | 186,467.90 | 1,155,379.56 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 65,242.26 | 0.00 | 0.00 | 0.00 | 65,242.26 | | 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 | 6,383,129.55 | 890,783.63 | 0.00 | 3,072,243.54 | 1,151,784.89 | 11,497,941.61 | | Inversiones a costo amortizado | 5,649,319.59 | 886,431.81 | 0.00 | 2,953,862.22 | 1,151,784.89 | 10,641,398.51 | | Cartera de Creditos, Neta | 733,809.96 | 4,351.82 | 0.00 | 118,381.31 | 0.00 | 856,543.10 | | Primas por Cobrar (neto) | 451,754.86 | 761,454.43 | 0.00 | 778,148.98 | 203,386.79 | 2,194,745.06 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 121,145.79 | 318,904.65 | 0.00 | 150,783.83 | 22,804.10 | 613,638.37 | | Otras cuentas por cobrar | 39,293.82 | 6,413.51 | 0.00 | 15,025.53 | 10,848.78 | 71,581.64 | | 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 | 0.00 | 0.00 | 0.00 | 0.00 | | Participaciones en acciones | 0.00 | 0.00 | 0.00 | 13,568.07 | 0.00 | 13,568.07 | | Activo material | 125,131.44 | 204,168.89 | 0.00 | 22,468.48 | 5,713.17 | 357,481.99 | | Activo intangible | 5,776.61 | 22,126.45 | 0.00 | 13,541.23 | 2,484.66 | 43,928.95 | | Activo fiscales | 2,998.46 | 425.02 | 0.00 | 44,015.37 | 25,585.90 | 73,024.75 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 15,287.51 | 7,622.50 | 22,910.01 | | Otros activos | 50,161.97 | 80,495.44 | 0.00 | 75,263.10 | 32,532.02 | 238,452.53 | | | | | | | | | PASIVOS | 3,504,687.14 | 1,897,316.42 | 0.00 | 2,743,840.96 | 1,211,438.60 | 9,357,283.11 | | Reservas tecnicas | 2,813,314.59 | 970,628.80 | 0.00 | 2,051,592.86 | 632,984.97 | 6,468,521.22 | | Reservas de Riesgo en Curso | 678,589.56 | 87,172.21 | 0.00 | 911,096.77 | 229,810.58 | 1,906,669.12 | | Reserva Matematica | 582,534.07 | 50,061.65 | 0.00 | 60,402.10 | 4,331.03 | 697,328.85 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Reservas para siniestros pendientes de liquidación y/o pago | 619,970.52 | 218,352.64 | 0.00 | 466,089.69 | 80,425.40 | 1,384,838.25 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 31,036.50 | 10,917.63 | 0.00 | 23,304.56 | 4,021.27 | 69,279.96 | | Reservas de Contingencia | 112,265.82 | 437,305.58 | 0.00 | 123,214.73 | 214,678.42 | 887,464.55 | | Reservas para Riesgos Catastróficos | 788,918.12 | 166,819.09 | 0.00 | 467,485.02 | 99,718.26 | 1,522,940.48 | | 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 | 214,625.07 | 523,029.07 | 0.00 | 164,703.10 | 99,349.20 | 1,001,706.44 | | Obligaciones por operaciones de seguro y fianzas | 278,693.28 | 158,005.19 | 0.00 | 213,326.64 | 348,955.94 | 998,981.05 | | Primas en deposito | 7,929.35 | 78,218.65 | 0.00 | 62,374.90 | 5,264.40 | 153,787.29 | | Deposito en garantia por fianzas expedidas | 182,832.00 | 41,417.72 | 0.00 | 85,060.25 | 324,220.63 | 633,530.61 | | Acreedores por Primas a devolver | 38,457.90 | 1,556.93 | 0.00 | 2.60 | 0.00 | 40,017.43 | | Comisiones a intermediarios de seguros | 49,474.03 | 36,811.90 | 0.00 | 65,888.89 | 19,470.91 | 171,645.73 | | 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 | 59,278.78 | 171,037.67 | 0.00 | 152,739.66 | 51,356.21 | 434,412.33 | | Provisiones Laborales | 66,399.41 | 21,513.07 | 0.00 | 65,438.05 | 35,132.76 | 188,483.29 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 72,376.02 | 53,102.62 | 0.00 | 96,040.64 | 43,659.52 | 265,178.79 | | | | | | | | | PATRIMONIO | 3,956,149.96 | 643,118.71 | 0.00 | 1,953,550.90 | 437,792.12 | 6,990,611.68 | | Fondos propios | 3,915,028.01 | 624,749.01 | 0.00 | 1,954,493.20 | 437,792.12 | 6,932,062.33 | | Capital social pagado | 438,418.39 | 156,893.45 | 0.00 | 449,823.00 | 153,231.00 | 1,198,365.84 | | 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 | 0.00 | 346,023.28 | 72,907.09 | 820,075.25 | | Resultados acumulados | 3,067,920.41 | 296,532.84 | 0.00 | 980,148.92 | 161,581.24 | 4,506,183.42 | | Resultados del ejercicio | 143,707.37 | 35,159.67 | 0.00 | 178,497.62 | 50,072.78 | 407,437.45 | | 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 | 0.00 | 0.00 | 0.00 | 59,491.65 | | Total pasivo mas capital | 7,460,837.10 | 2,540,435.13 | 0.00 | 4,697,391.85 | 1,649,230.71 | 16,347,894.80 | | | | | | | | | Cuentas de orden | 672,951,190.55 | 901,536,817.57 | 0.00 | 572,120,572.96 | 430,222,284.31 | 2,576,830,865.39 | | Responsabilidades en vigor | 469,194,617.73 | 476,766,088.79 | 0.00 | 449,153,619.66 | 260,511,614.37 | 1,655,625,940.54 | | Riesgos cedidos en reaseguro | 195,366,544.96 | 423,003,100.90 | 0.00 | 121,422,397.61 | 162,472,808.75 | 902,264,852.21 | | Responsabilidad por fianzas otorgadas | 823,072.98 | 477,857.96 | 0.00 | 527,947.89 | 3,279,004.90 | 5,107,883.73 | | Afianzamiento y reafianzamiento cedido | 688,567.35 | 352,442.15 | 0.00 | 0.00 | 2,755,211.03 | 3,796,220.53 | | Garantias y contragarantias recibidas | 2,088,778.49 | 930,267.54 | 0.00 | 959,085.99 | 1,157,430.80 | 5,135,562.81 | | Documentos y valores en custodia | 4,468,063.51 | 0.00 | 0.00 | 0.00 | 0.00 | 4,468,063.51 | | Primas por cobrar retiradas del activo | 0.00 | 72.72 | 0.00 | 1,630.78 | 0.00 | 1,703.51 | | Cuentas de registro diversas | 321,545.54 | 6,987.52 | 0.00 | 55,891.04 | 46,214.46 | 430,638.56 |
| | 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 JULIO DE 2025 C$ 36.6243 X US$ 1.00 | |
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