Neraca Konsolidasi
31 Maret 2009 dan 2008
2009
Catatan
Rp
2008
Rp
AKTIVA
Investasi
Deposito berjangka
Obligasi dimiliki hingga jatuh tempo
Unit penyertaan reksadana
Saham untuk diperdagangkan
Investasi saham
Perusahaan asosiasi
Perusahaan lain
Jumlah investasi
Kas dan bank
Piutang premi
Pihak yang mempunyai
hubungan istimewa
Pihak ketiga - setelah dikurangi
penyisihan piutang ragu-ragu
sebesar Rp 606.074.661 tahun 2009
dan Rp Rp 321.447.247 tahun 2008
Piutang reasuransi
Pihak yang mempunyai
hubungan istimewa
Pihak ketiga
Piutang lain-lain - setelah dikurangi
penyisihan piutang ragu-ragu sebesar
Rp 1.270.439.104 tahun 2009 dan
Rp 848.740.851 tahun 2008
Piutang pihak yang mempunyai
hubungan istimewa
2f,3
2c,31
142,761,984,435
4,000,000,000
500,935,364
276,827,850
99,347,639,439
1,000,000,000
5,049,267,014
332,695,100
3,998,918,783
4,654,700,000
5,409,042,596
4,154,700,000
156,193,366,432
115,293,344,149
11,667,651,139
2c,4,31
11,381,632,142
2c,2g,5,31
166,010,324
88,833,705,635
2d,30
171,847,860
92,129,274,578
2c,2g,2j,6,31
386,289,250
48,268,084,390
2d,30
207,872,375
26,182,194,335
414,830,354
2g,7
768,310,962
7,390,063,363
2d,2g,30
7,536,172,144
22,215,351,067
2h,2i,8,15
22,735,576,184
2,835,585,999
2n
4,064,438,201
Aktiva lain-lain
7,203,961,634
2n,9
8,542,328,190
JUMLAH AKTIVA
345,574,899,587
289,012,991,120
-1-
-2-
2009
Catatan
Rp
2008
Rp
34,571,899,348
32,010,204,197
63,922,127,819
2c,10,31
2c,2k,11
2c,2j,12,31
2c,2j,13,31
22,962,269,586
21,791,004,608
57,252,551,265
182,645,670
35,203,096,964
2d,30
119,768,364
23,203,903,515
2c,2m,14,31
19,900,834
13,354,120,113
0
9,567,789,971
17,267,808,135
10,780,721,668
2d,30
8,15
2p,16
17
2o,29
216,880,314,719
25,498,850
17,136,073,478
5,000,000,000
5,250,366,156
5,260,157,115
13,406,015,402
171,407,608,339
10,873,373
2b,18
39,899,971,500
75,007,350
19
20
2f,3
9,571,814
28,499,991,000
11,474,987,850
-
49,358,618,782
39,350,113,863
40,858,618,782
36,762,213,335
Jumlah Ekuitas
128,683,711,495
117,595,810,967
345,574,899,587
289,012,991,120
-3-
-4-
2009
Catatan
Rp
PENDAPATAN USAHA
Pendapatan underwriting
Pendapatan premi
Premi bruto
Premi reasuransi
Kenaikan premi belum
merupakan pendapatan
2008
Rp
160,507,073,989
(90,547,292,042)
2,401,181,791
2j,21
2j,21,32
2j,12,21
142,476,853,324
(71,523,032,972)
(1,888,611,117)
72,360,963,738
Beban underwriting
Beban klaim
Klaim bruto
Klaim reasuransi
Kenaikan estimasi klaim
retensi sendiri
31,746,707,857
(15,541,225,102)
2k,22
2k,22
4,696,166,706
2k,11,22
3,990,498,150
2l,23
24,560,933,302
9,776,296,669
69,065,209,235
20,901,649,461
15,886,950,006
46,116,920,294
(25,546,485,142)
36,788,599,467
34,337,229,971
Hasil underwriting
35,572,364,271
34,727,979,264
Hasil investasi
2,552,939,136
38,125,303,407
BEBAN USAHA
17,407,078,669
LABA USAHA
20,718,224,738
171,438,424
20,889,663,162
BEBAN PAJAK
LABA SEBELUM HAK MINORITAS
ATAS RUGI (LABA) BERSIH ANAK
PERUSAHAAN
HAK MINORITAS ATAS RUGI (LABA)
BERSIH ANAK PERUSAHAAN
LABA BERSIH
LABA BERSIH PER SAHAM DASAR
2f,3,24
1,249,340,334
35,977,319,598
2m,8,9,25
15,255,000,777
20,722,318,821
2c,8,26,31
75,861,588
20,798,180,409
5,044,127,502
2o,27
15,845,535,660
5,017,120,490
15,781,059,919
(33,326)
2b
15,845,502,334
61,700
15,781,121,619
199
2p,28
-5-
198
-6-
Catatan
Modal Saham
Rp
28,499,991,000
Tambahan
Modal
Disetor
Rp
Saldo Laba
Ditentukan Pengunaannya
Laba Belum
Direalisasi atas
Kenaikan
Nilai Wajar
Reksadana
Rp
Cadangan
Umum
Rp
Cadangan
Modal
Rp
Tidak Ditentukan
Rp
Jumlah
Ekuitas
Rp
11,474,987,850
38,358,618,776
2,500,000,006
20,981,091,716
101,814,689,348
15,781,121,619
15,781,121,619
Dividen tunai
Cadangan umum
28,499,991,000
11,474,987,850
38,358,618,776
2,500,000,006
36,762,213,335
117,595,810,967
39,899,971,500
75,007,350
46,858,618,776
2,500,000,006
23,504,611,529
112,838,209,161
15,845,502,334
15,845,502,334
Dividen tunai
Cadangan umum
46,858,618,776
2,500,000,006
39,350,113,863
128,683,711,495
39,899,971,500
75,007,350
-4-
2008
Rp
113,096,997,645
5,454,084,250
9,072,441,403
641,485,792
98,888,481,938
5,315,499,769
9,931,042,537
667,247,736
(41,715,529,352)
(20,475,249,858)
(13,008,817,968)
(25,656,030,464)
(20,713,029,322)
(50,749,449,838)
(18,416,594,041)
(12,446,660,266)
(17,367,702,070)
(15,593,780,535)
6,696,352,125
(1,095,740,712)
228,085,230
(1,745,239,356)
5,600,611,413
(1,517,154,126)
77,214,430,000
2,758,092,579
(400,640,000)
(89,987,292,769)
-
42,991,734,119
1,102,629,030
8,235,000
(111,863,950)
(41,809,362,292)
-
(10,415,410,190)
2,181,371,907
(750,000,000)
-
(750,000,000)
(4,814,798,777)
16,482,449,916
11,467,414,361
11,667,651,139
11,381,632,142
-5-
(85,782,219)
-5-
Lampiran I - 1
PT ASURANSI RAMAYANA Tbk DAN ANAK PERUSAHAAN
Neraca Induk Tersendiri
31 Maret 2009 dan 2008
2009
2008
Rp
Rp
AKTIVA
Investasi
Deposito berjangka
Obligasi dimiliki hingga jatuh tempo
Unit penyertaan reksadana
Saham untuk diperdagangkan
Investasi saham
Perusahaan asosiasi
Perusahaan lain
Jumlah investasi
Kas dan bank
Piutang premi
Piutang reasuransi
Piutang lain-lain
Piutang pihak yang mempunyai
hubungan istimewa
Aktiva tetap - setelah dikurangi
Aktiva pajak tangguhan
Aktiva lain-lain
JUMLAH AKTIVA
141,461,984,435
4,000,000,000
500,935,364
276,827,850
98,647,639,439
1,000,000,000
5,049,267,014
332,695,100
18,321,117,629
4,654,700,000
10,278,958,595
4,154,700,000
169,215,565,278
119,463,260,148
8,453,389,582
88,999,715,959
48,654,373,640
414,513,444
10,924,318,519
92,301,122,438
26,390,066,710
738,994,052
7,353,951,923
13,099,381,596
2,835,585,999
5,852,501,493
8,397,362,144
12,868,027,133
3,887,466,927
8,464,236,236
344,878,978,914
283,434,854,307
34,571,899,348
32,010,204,197
63,922,127,819
35,385,742,634
13,374,020,947
9,310,314,248
17,199,410,226
10,421,548,000
216,195,267,419
22,962,269,586
21,791,004,608
57,252,551,265
23,323,671,879
17,161,572,328
5,200,180,587
5,139,449,087
13,008,344,000
165,839,043,340
39,899,971,500
75,007,350
28,499,991,000
11,474,987,850
49,358,618,782
39,350,113,863
128,683,711,495
40,858,618,782
36,762,213,335
117,595,810,967
344,878,978,914
283,434,854,307
Lampiran I - 2
PT ASURANSI RAMAYANA Tbk DAN ANAK PERUSAHAAN
Laporan Laba Rugi Induk tersendiri
Untuk Tahun-tahun yang Berakhir 31 Maret 2009 dan 2008
PENDAPATAN USAHA
Pendapatan underwriting
Pendapatan premi
Premi bruto
Premi reasuransi
Kenaikan premi belum
merupakan pendapatan
2009
2008
Rp
Rp
160,507,073,989
(90,547,292,042)
142,476,853,324
(71,523,032,972)
2,401,181,791
(1,888,611,117)
72,360,963,738
69,065,209,235
Beban underwriting
Beban klaim
Klaim bruto
Klaim reasuransi
Kenaikan estimasi klaim
retensi sendiri
31,746,707,857
(15,541,225,102)
46,116,920,294
(25,546,485,142)
4,696,166,706
3,990,498,150
20,901,649,461
15,886,950,006
24,560,933,302
9,776,296,669
36,788,599,467
34,337,229,971
Hasil underwriting
35,572,364,271
34,727,979,264
2,643,700,258
1,116,906,417
38,216,064,529
35,844,885,681
BEBAN USAHA
17,478,695,531
15,147,310,036
LABA USAHA
20,737,368,998
20,697,575,645
111,976,178
67,058,064
20,849,345,176
20,764,633,709
BEBAN PAJAK
5,003,842,842
4,983,512,090
LABA BERSIH
15,845,502,334
15,781,121,619
Hasil investasi
Lampiran I - 3
PT ASURANSI RAMAYANA Tbk DAN ANAK PERUSAHAAN
Laporan Perubahan Ekuitas Induk Tersendiri
Untuk Tahun-tahun yang Berakhir 31 Maret 2009 dan 2008
Modal Saham
Rp
Saldo per 1 Januari 2008
28,499,991,000
Tambahan
Modal
Disetor
Rp
Laba Belum
Direalisasi atas
Kenaikan
Nilai Wajar
Saldo Laba
Ditentukan Pengunaannya
Reksadana
Rp
Cadangan
Umum
Rp
Cadangan
Modal
Rp
Tidak Ditentukan
Rp
Jumlah
Ekuitas
Rp
11,474,987,850
38,358,618,776
2,500,000,006
20,981,091,716
101,814,689,348
15,781,121,619
15,781,121,619
Dividen tunai
Cadangan umum
28,499,991,000
11,474,987,850
38,358,618,776
2,500,000,006
36,762,213,335
117,595,810,967
39,899,971,500
75,007,350
46,858,618,776
2,500,000,006
23,504,611,529
112,838,209,161
15,845,502,334
15,845,502,334
Dividen tunai
Cadangan umum
46,858,618,776
2,500,000,006
39,350,113,863
128,683,711,495
39,899,971,500
75,007,350
Lampiran I - 4
PT ASURANSI RAMAYANA Tbk DAN ANAK PERUSAHAAN
Laporan Arus Kas Induk Tersendiri
Untuk Tahun-tahun yang Berakhir 31 Maret 2009 dan 2008
2009
Rp
ARUS KAS DARI AKTIVITAS OPERAS
Penerimaan:
Premi
Klaim reasuransi
Klaim koasuransi
Lain-lain
Pembayaran:
Klaim
Premi reasuransi
Premi koasuransi
Komisi broker dan reduksi
Beban usaha dan lain-lain
Kas dihasilkan dari operasi
Pembayaran pajak penghasilan
2008
Rp
113,096,997,645
5,454,084,250
9,072,441,403
637,179,266
98,888,481,938
5,315,499,769
9,931,042,537
456,351,981
(41,715,529,352)
(20,475,249,858)
(13,008,817,968)
(25,656,030,464)
(20,944,404,046)
(50,749,449,838)
(18,416,594,041)
(12,446,660,266)
(17,367,702,070)
(15,593,780,535)
6,460,670,875
(1,016,600,109)
17,189,475
(1,745,239,356)
5,444,070,766
77,214,430,000
2,562,435,516
(89,987,292,769)
-
(10,210,427,253)
(1,728,049,881)
42,991,734,119
1,102,629,030
8,235,000
(111,863,950)
(41,809,362,292)
2,181,371,907
(4,766,356,487)
13,219,746,069
10,470,996,493
8,453,389,582
10,924,318,519
453,322,026
Kebakaran/
Fire
Rp
PENDAPATAN UNDERWRITING
Pendapatan premi
Premi bruto
Premi reasuransi
Penurunan (kenaikan) premi
belum merupakan pendapatan
Jumlah pendapatan premi
BEBAN UNDERWRITING
Beban klaim
Klaim bruto
Klaim reasuransi
Penurunan (kenaikan) estimasi
retensi sendiri
82,534,150,523
(59,928,164,415)
Pengangkutan/
Marine Cargo
Rp
Kendaraan
Bermotor/
Motor Vehicle
Rp
Rangka
Kapal/
Marine Hull
Rp
12,950,857,767
(5,322,429,212)
17,600,076,426
(1,523,413,381)
4,995,376,532
(2,692,375,461)
1,451,500,586
146,898,302
762,148,158
69,390,611
(10,893,683)
7,775,326,857
16,838,811,203
2,372,391,682
(8,808,251)
(13,342,470,903)
9,906,581,478
(1,666,976,954)
1,975,653,353
(10,468,893,401)
416,931,694
Aneka/
Miscellaneous
Rp
2009
Rp
2008
Rp
26,967,824,524
(17,939,789,987)
5,641,931,142
(1,278,370,936)
9,814,771,643
(1,862,748,650)
160,507,073,989
(90,547,292,042)
142,476,853,324
(71,523,032,972)
(417,163,529)
8,610,871,008
(562,516,582)
(1,888,611,117)
72,360,963,738
69,065,209,235
(3,268,365,258)
525,421,591
(46,116,920,294)
25,546,485,142
(792,652)
(280,550,822)
(123,568,940)
(143,002,345)
(9,258,336)
(343,523,685)
(173,465,144)
(2,885,946,012)
(20,901,649,461)
(24,560,933,302)
1,023,918,093
(2,791,612,660)
94,759,833
(4,463,796,476)
69,600,544
(564,471,463)
0
(35,186)
381,117,224
(3,873,590,375)
473,070,770
(1,050,269,727)
1,657,920,379
(3,132,121,425)
9,981,532,464
(25,868,482,470)
12,949,046,115
(22,725,342,784)
(3,711,439,537)
(1,767,694,567)
(4,369,036,643)
(494,870,919)
(35,186)
(3,492,473,151)
(577,198,957)
(1,474,201,046)
(15,886,950,006)
(9,776,296,669)
(11,694,222,043)
(1,584,000,272)
(13,801,133,435)
(753,142,200)
(9,293,522)
(3,835,996,836)
(750,664,101)
(4,360,147,058)
(36,788,599,467)
(34,337,229,971)
12,363,264,651
6,191,326,585
3,037,677,768
(18,101,773)
4,774,874,172
3,029,359,353
35,572,364,271
34,727,979,264
6,281,145,621
(9,992,585,158)
619,864,915
1,619,249,482
96,992,096
(146,888,300)
2,401,181,791
7,389,506,411
(96,241,677)
183,694,295
(2,404,209,394)
2,341,236,531
961,817,928
5,325,378,134
Jumlah/Total
(258,271,281)
(124,982,104)
(257,889,213)
249,423,529
Bond/
Bonds/
Rp
(9,432,096,792)
(4,546,893,081)
(434,894,830)
272,865,226
Rekayasa/
Engineering
Rp
(31,746,707,857)
15,541,225,102
0
(4,696,166,706)
(7,982,782,506)
HASIL UNDERWRITING
2,085,432
0
24,057,486,694
Pengangkutan
Udara/
Aviation
Rp
4,574,714,033
(3,990,498,150)
2009
Akun
Investasi
Deposito berjangka
Obligasi dimiliki hingga jatuh tempo
Unit penyertaan reksadana
Saham diperdagangkan
Investasi saham
Jumlah investasi
Kas dan bank
Piutang premi
Piutang reasuransi
Piutang hasil investasi
Aktiva tetap
Bangunan, tanah dengan bangunan
Perangkat keras komputer
Aktiva tetap lain
Aktiva lainnya
Jumlah kekayaan
Kekayaan
dibukukan
Rp
141,461,984,435
4,000,000,000
500,935,364
276,827,850
22,972,775,814
169,212,523,463
Kekayaan
belum
dibukukan
Rp
Kekayaan
tidak
diperkenankan
Rp
3,496,159,047
3,496,159,047
8,453,389,582
88,999,715,959
48,654,373,640
6,817,037,649
816,851,149
5,465,492,798
16,459,594,674
14,176,705,351
344,878,978,914
17,672,864,398
Kekayaan
diperkenankan
Rp
9,198,066,610
9,198,066,610
141,461,984,435
4,000,000,000
500,935,364
276,827,850
17,270,868,251
163,510,615,900
9,093,810,552
20,507,979,262
8,453,389,582
79,905,905,407
28,146,394,378
-
5,465,492,798
16,459,594,674
20,993,743,000
816,851,149
-
60,724,943,896
301,826,899,416
Kekayaan
tidak
diperkenankan
Rp
Kekayaan
diperkenankan
Rp
2008
Akun
Investasi
Deposito berjangka
Obligasi dimiliki hingga jatuh tempo
Unit penyertaan reksadana
Saham diperdagangkan
Investasi saham
Jumlah investasi
Kas dan bank
Piutang premi
Piutang reasuransi
Piutang hasil investasi
Aktiva tetap
Bangunan, tanah dengan bangunan
Perangkat keras komputer
Aktiva tetap lain
Aktiva lainnya
Jumlah kekayaan
Kekayaan
dibukukan
Rp
Kekayaan
belum
dibukukan
Rp
98,647,639,439
1,000,000,000
5,049,267,014
332,695,100
14,433,658,595
119,463,260,148
3,192,791,839
-
88,000,000
5,360,845,235
5,448,845,235
98,559,639,439
1,000,000,000
5,049,267,014
332,695,100
12,265,605,199
117,207,206,752
10,924,318,519
92,301,122,438
26,390,066,710
218,941,013
4,659,327,695
13,583,960,241
-
10,924,318,519
87,641,794,743
12,806,106,469
218,941,013
19,184,646,000
1,008,098,251
-
7,277,221,789
1,008,098,251
4,582,707,093
21,269,118,346
11,907,424,211
-
4,582,707,093
20,372,729,169
283,434,854,307
11,907,424,211
48,647,569,433
248,991,111,747
Tingkat solvabilitas
Kekayaan yang diperkenankan
Kewajiban
Jumlah tingkat solvabilitas
Batas tingkat solvabilitas minimum
Kegagalan pengelolaan kekayaan
Kekayaan dan kewajiban dalam setiap jenis mata uang
Beban klaim yang terjadi dan beban klaim yang diperkirakan
Risiko reasuradur
Jumlah Batas Tingkat Solvabilitas Minimum
Jumlah Batas Tingkat Solvabilitas
Jumlah kekayaan
2009
Rp
2008
Rp
301,826,899,416
216,195,267,358
248,991,111,747
165,839,043,340
85,631,632,058
83,152,068,407
10,861,460,897
82,044,773
35,919,945,338
3,869,163,304
12,393,264,829
114,225,292
36,032,740,814
3,111,855,380
50,732,614,312
51,652,086,315
34,899,017,746
31,499,982,092
169%
161%