| | INISER | ASSA | AMERICA | LAFISE | MAPFRE|NICARAGUA | TOTAL SISTEMA ASEGURADOR | | ACTIVOS | 5,996,949.57 | 2,113,643.19 | 2,621,990.84 | 3,598,033.70 | 1,166,816.95 | 15,497,434.25 | | Efectivo y Equivalente al Efectivo | 590,954.77 | 130,692.15 | 147,647.18 | 98,203.00 | 134,436.38 | 1,101,933.48 | | Inversiones al valor razonable con cambios en resultados | 0.00 | 61,013.41 | 0.00 | 0.00 | 0.00 | 61,013.41 | | 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 | 4,816,544.06 | 1,002,990.05 | 1,219,141.23 | 2,680,644.29 | 826,443.41 | 10,545,763.05 | | Inversiones a costo amortizado | 4,386,312.42 | 998,421.89 | 1,154,549.64 | 2,514,911.71 | 826,443.41 | 9,880,639.08 | | Cartera de Creditos, Neta | 430,231.64 | 4,568.16 | 64,591.59 | 165,732.58 | 0.00 | 665,123.97 | | Primas por Cobrar (neto) | 332,698.38 | 379,132.94 | 452,009.90 | 488,699.53 | 136,218.87 | 1,788,759.62 | | Instituciones Reaseguradoras y Reafianzadoras (neto) | 98,460.94 | 264,808.21 | 186,922.95 | 178,828.85 | 11,956.28 | 740,977.23 | | Otras cuentas por cobrar | 37,868.62 | 2,450.53 | 8,471.94 | 25,953.17 | 12,986.51 | 87,730.77 | | 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 | 264,208.04 | 13,399.96 | 0.00 | 277,607.99 | | Activo material | 79,530.97 | 221,501.83 | 162,972.45 | 11,093.74 | 2,694.63 | 477,793.61 | | Activo intangible | 10,194.12 | 19,550.69 | 8,118.71 | 5,733.27 | 1,378.30 | 44,975.09 | | Activo fiscales | 2,165.76 | 0.00 | 37,454.99 | 48,593.59 | 15,288.94 | 103,503.30 | | Inversiones de Beneficios Laborales | 0.00 | 0.00 | 0.00 | 13,835.75 | 0.00 | 13,835.75 | | Otros activos | 28,531.95 | 31,503.38 | 133,840.20 | 33,048.55 | 25,413.62 | 252,337.70 | | | | | | | | | PASIVOS | 2,968,912.25 | 1,394,518.96 | 1,700,841.93 | 1,859,476.05 | 847,203.04 | 8,770,952.23 | | Reservas tecnicas | 2,278,595.80 | 809,755.17 | 1,041,147.92 | 1,363,704.36 | 438,844.67 | 5,932,047.92 | | Reservas de Riesgo en Curso | 539,068.89 | 80,668.32 | 382,701.83 | 613,046.08 | 164,710.21 | 1,780,195.33 | | Reserva Matematica | 571,011.34 | 41,253.22 | 4,106.75 | 28,969.11 | 3,459.00 | 648,799.41 | | Reservas de seguros de vida con cuenta unica de inversión | 0.00 | 0.00 | 245,488.20 | 0.00 | 0.00 | 245,488.20 | | Reservas para siniestros pendientes de liquidación y/o pago | 324,836.04 | 186,370.74 | 226,316.94 | 263,495.03 | 42,504.55 | 1,043,523.29 | | Reservas para obligaciones pendientes de cumplir por siniestros ocurridos y no reportados | 17,718.21 | 9,318.54 | 11,318.61 | 13,174.79 | 2,125.23 | 53,655.37 | | Reservas de Contingencia | 100,004.49 | 355,871.43 | 53,054.52 | 82,657.34 | 143,679.09 | 735,266.87 | | Reservas para Riesgos Catastróficos | 725,956.83 | 136,272.93 | 118,161.09 | 362,362.01 | 82,366.59 | 1,425,119.44 | | 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 | 136,064.98 | 293,192.97 | 306,209.86 | 130,236.30 | 32,877.56 | 898,581.68 | | Obligaciones por operaciones de seguro y fianzas | 234,235.27 | 104,475.01 | 114,509.39 | 124,389.61 | 279,921.01 | 857,530.29 | | Primas en deposito | 2,493.58 | 29,844.81 | 10,620.22 | 29,336.28 | 7,537.58 | 79,832.47 | | Deposito en garantia por fianzas expedidas | 151,729.88 | 51,052.19 | 60,739.12 | 49,635.73 | 256,408.47 | 569,565.40 | | Acreedores por Primas a devolver | 32,924.80 | 1,277.33 | 0.00 | 26.95 | 0.00 | 34,229.08 | | Comisiones a intermediarios de seguros | 47,087.00 | 22,300.68 | 43,150.05 | 45,390.66 | 15,974.95 | 173,903.34 | | Pasivos financieros a costo amortizado | 0.00 | 48,981.84 | 0.00 | 0.00 | 0.00 | 48,981.84 | | 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 | 48,981.84 | 0.00 | 0.00 | 0.00 | 48,981.84 | | 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 | 39,681.14 | 81,091.60 | 120,584.05 | 113,198.07 | 28,365.67 | 382,920.54 | | Provisiones Laborales | 57,201.37 | 19,663.92 | 58,156.11 | 55,484.87 | 22,817.55 | 213,323.82 | | Obligaciones subordinadas y/o convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Otros pasivos | 223,133.70 | 37,358.43 | 60,234.59 | 72,462.84 | 44,376.58 | 437,566.14 | | | | | | | | | PATRIMONIO | 3,028,037.32 | 719,124.24 | 921,148.92 | 1,738,557.65 | 319,613.90 | 6,726,482.02 | | Fondos propios | 2,986,915.36 | 700,754.54 | 885,636.51 | 1,737,667.30 | 319,613.90 | 6,630,587.61 | | 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 | 237,108.05 | 120,185.94 | 153,107.25 | 263,319.99 | 55,448.76 | 829,169.98 | | Resultados acumulados | 2,133,745.68 | 415,606.08 | 402,626.59 | 893,586.44 | 102,976.69 | 3,948,541.48 | | Resultados del ejercicio | 314,623.83 | 17,975.12 | 64,902.66 | 130,937.50 | 15,883.46 | 544,322.58 | | Otro resultado integral neto | 0.00 | 0.00 | 0.00 | 890.34 | 0.00 | 890.34 | | Ajustes de Transición | 41,121.95 | 18,369.70 | 35,512.41 | 0.00 | 0.00 | 95,004.06 | | Total pasivo mas capital | 5,996,949.57 | 2,113,643.19 | 2,621,990.84 | 3,598,033.70 | 1,166,816.95 | 15,497,434.25 | | | | | | | | | Cuentas de orden | 602,811,795.05 | 823,381,431.15 | 1,332,624,471.83 | 451,997,387.54 | 382,043,501.47 | 3,592,858,587.04 | | Responsabilidades en vigor | 413,299,508.04 | 431,221,925.17 | 743,780,214.35 | 319,112,239.81 | 246,527,102.03 | 2,153,940,989.41 | | Riesgos cedidos en reaseguro | 186,176,820.10 | 389,801,358.43 | 582,457,998.05 | 131,602,157.90 | 131,305,435.94 | 1,421,343,770.42 | | Responsabilidad por fianzas otorgadas | 801,117.40 | 618,436.45 | 2,285,660.90 | 439,216.34 | 1,715,853.67 | 5,860,284.76 | | Afianzamiento y reafianzamiento cedido | 660,328.36 | 545,975.75 | 1,790,759.80 | 0.00 | 1,447,242.18 | 4,444,306.09 | | Garantias y contragarantias recibidas | 1,413,217.40 | 1,192,077.46 | 2,192,369.13 | 811,946.52 | 1,030,713.03 | 6,640,323.56 | | Documentos y valores en custodia | 329,652.82 | 0.00 | 0.00 | 0.00 | 0.00 | 329,652.82 | | Primas por cobrar retiradas del activo | 0.00 | 71.82 | 0.00 | 0.00 | 0.00 | 71.82 | | Cuentas de registro diversas | 131,150.92 | 1,586.06 | 117,469.59 | 31,826.96 | 17,154.62 | 299,188.16 |
| | 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 2022 C$ 36.1705 X US$ 1.00 | |
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