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Direktorat Statistik dan Informasi IKNB Directorate Of Statistics and Information NBFI
Gedung Wisma Mulia 2 Lantai 11 Gedung Wisma Mulia 2 Lantai 11
Jalan Jend. Gatot Subroto No. 42 Jalan Jend. Gatot Subroto No. 42
Jakarta Selatan Jakarta Selatan

Email : statistics@ojk.go.id Email : statistics@ojk.go.id

Statistik Asuransi Indonesia / Indonesia Insurance Statistics

Desember 2020
Daftar Isi / Table of Contents

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Jiwa Konvensional/ Conventional Life Insurance 1

Asuransi Umum Konvensional / Conventional General Insurance 2

Reasuransi Konvensional/ Conventional Reinsurance 3

Asuransi Wajib / Mandatory Insurance 4

Asuransi Sosial / Social Insurance 5

Laporan Laba Rugi Komprehensif / Comprehensive Income Statement

Asuransi Jiwa Konvensional/ Conventional Life Insurance 6

Asuransi Umum Konvensional / Conventional General Insurance 7

Reasuransi Konvensional/ Conventional Reinsurance 8

Asuransi Wajib / Mandatory Insurance 9

Asuransi Sosial / Social Insurance 10

 Januari/January Februari/February Maret/March April/April Mei/May Juni/June Juli/July Agustus / August September/September Oktober/October November/November Desember /December Account
Total Investasi 1,127,205,015 1,109,323,416 1,042,473,036 1,055,109,263 1,068,626,657 1,093,073,844 1,119,385,239 1,130,676,358 1,111,379,863 1,133,113,169 1,174,677,080 1,205,682,197 Total Investment
Total Bukan Investasi 194,463,771 194,673,790 205,481,520 207,646,630 202,934,109 191,793,232 193,320,566 201,085,600 201,174,344 205,355,957 206,304,590 204,069,058 Total Non Investment
Total Aset 1,321,668,778 1,303,997,206 1,247,954,704 1,262,755,893 1,271,560,765 1,284,867,077 1,312,705,806 1,331,761,958 1,312,554,207 1,338,469,126 1,380,981,670 1,409,751,255 Total Assets

Total Liabilitas 796,496,165 788,153,415 766,667,538 737,960,518 733,283,587 740,317,948 748,569,849 754,469,832 742,654,609 749,285,761 764,569,617 781,386,949 Total Liabilities
Total Pinjaman Subordinasi 1,639,481 1,640,875 1,610,346 1,617,924 1,614,872 1,611,510 1,086,496 1,061,515 1,053,760 1,090,401 1,090,325 1,109,400 Total Subordinate Loan
Total Ekuitas 523,533,133 514,202,916 479,676,825 523,177,451 536,662,306 542,937,619 563,049,461 576,230,611 568,845,838 588,092,964 615,321,727 627,254,907 Total Equities

Premi* 43,611,325 83,569,039 124,812,862 163,264,271 200,799,985 243,169,145 287,383,300 326,700,342 362,007,433 406,980,669 447,407,087 499,228,489 Premium
Klaim 29,458,399 58,491,383 89,645,155 117,731,853 143,121,126 172,573,238 205,763,852 232,535,240 255,963,275 285,503,349 313,812,336 352,247,380 Claims

*Premi merupakan Total Premi Penutupan Langsung dan Premi Penutupan Tidak Langsung
disajikan dalam satuan Jutaan Rupiah/In Million Rupiah
 Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/ Account
January February March April May June July August September October November December
Rasio Asuransi Jiwa

Rasio Kecukupan Premi terhadap Pembayaran Klaim 112.0% 111.1% 109.1% 109.1% 110.3% 110.9% 110.1% 110.7% 113.4% 115.3% 116.3% 114.6% Premium Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 100.4% 99.8% 98.4% 97.3% 97.6% 98.1% 97.7% 98.2% 100.4% 102.1% 103.0% 102.4% Premium Adequacy to Claim Paid and General Expenses Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 66.0% 41.9% -7.7% 23.9% 45.3% 76.3% 94.8% 105.1% 98.0% 107.7% 120.1% 126.4% Premium and Investment Yield Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 59.2% 37.7% -6.9% 21.3% 40.1% 67.4% 84.1% 93.2% 86.7% 95.4% 106.4% 113.0% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio

Rasio Sesi Asuransi 5.3% 4.8% 4.6% 4.6% 4.4% 4.1% 3.9% 3.8% 3.8% 3.6% 3.5% 3.4% Cession Ratio

Rasio Investasi terhadap Cadangan Teknis 111.9% 111.2% 108.2% 108.7% 109.5% 109.9% 110.5% 110.4% 110.3% 110.3% 110.6% 110.8% Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 273.8% 241.4% 219.8% 206.3% 203.5% 211.5% 205.2% 207.1% 207.4% 210.1% 206.9% 205.2% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 205.1% 177.5% 166.1% 155.4% 151.2% 156.3% 153.6% 153.9% 153.9% 155.2% 152.3% 153.1% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 285.3% 252.3% 229.7% 216.4% 213.3% 221.5% 215.4% 218.5% 219.5% 222.1% 218.9% 216.2% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 213.8% 185.6% 173.6% 163.1% 158.4% 163.6% 161.3% 162.4% 162.8% 164.0% 161.1% 161.3% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 39.5% 40.4% 40.7% 42.4% 42.1% 46.3% 44.3% 44.1% 44.7% 44.8% 45.4% 43.3% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 113.1% 112.6% 105.2% 105.5% 108.1% 109.0% 109.3% 107.7% 107.7% 109.4% 112.3% 112.5% Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 392.4% 281.6% 234.4% 220.6% 205.4% 201.8% 201.0% 198.8% 195.6% 188.3% 182.2% 164.6% Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 371.3% 267.8% 224.0% 210.7% 196.6% 193.2% 192.9% 190.6% 187.5% 180.5% 174.6% 158.7% Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 393.6% 282.5% 238.3% 224.2% 209.1% 206.0% 205.7% 204.0% 200.6% 193.5% 187.9% 169.3% Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 372.5% 268.6% 227.8% 214.2% 200.1% 197.2% 197.4% 195.5% 192.3% 185.6% 180.2% 163.2% Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 63.6% 54.5% 52.0% 49.3% 48.8% 48.3% 50.2% 49.3% 47.9% 46.9% 45.0% 51.9% Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 94.9% 91.1% 84.5% 94.0% 96.5% 96.8% 100.0% 101.1% 99.4% 101.1% 102.7% 112.5% Investment to Gross Technical Reserve Ratio
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Jiwa Konvensional/ Conventional Life Insurance

Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 32,328,786 34,521,526 34,044,614 33,818,114 34,136,907 32,853,563 31,280,708 29,046,745 30,370,479 28,940,482 29,937,869 32,028,723 Time Deposit
2 Sertifikat Deposito 9,881 - - - - - - - - - - - Certificate Of Deposit
3 Saham 141,022,797 127,044,654 106,141,272 108,078,943 106,701,846 118,556,941 123,621,087 126,138,449 115,678,505 121,830,396 130,580,439 139,466,960 Stocks
4 Obligasi Korporasi 27,317,697 27,978,265 27,706,957 26,842,007 27,525,914 28,122,654 28,306,908 29,020,489 28,688,825 28,209,404 27,868,805 26,147,122 Bonds
5 MTN 8,533,057 8,897,358 8,825,930 8,793,131 9,596,857 9,671,329 9,723,236 9,863,550 10,348,576 10,209,577 11,170,884 10,932,146 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 74,325,393 73,435,392 71,754,173 70,968,226 72,417,300 73,764,124 77,126,939 77,781,366 78,079,837 78,890,331 79,543,135 79,773,775 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI 254,576 279,696 340,096 316,735 303,213 294,718 311,493 298,345 306,985 294,362 285,281 28,797 Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 163,213,090 159,688,486 141,466,926 143,286,760 144,366,122 147,294,649 152,824,733 154,639,818 151,772,768 153,399,408 158,538,548 161,915,278 Mutual Fund
11 Efek Beragun Aset 448,703 450,704 421,837 425,182 429,866 414,987 419,651 411,762 404,289 408,476 412,459 397,339 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 46,725 46,055 47,816 41,961 43,242 35,405 35,222 37,152 7,347 7,806 7,898 8,266 Real Estate Investment Fund
13 REPO - - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 10,221,592 10,219,060 10,238,195 10,485,804 10,486,318 10,645,818 10,641,351 11,155,414 11,173,938 11,371,314 11,364,177 11,871,918 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 16,148,391 16,167,672 16,187,972 16,208,082 16,210,249 15,227,425 15,230,048 15,232,668 15,233,048 15,237,911 15,240,533 15,254,072 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 445,101 445,101 320,101 320,101 336,901 336,901 336,901 336,901 367,901 367,901 367,901 367,901 Executing
17 Emas Murni - - - - - - - - - - - 6,532 Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 167,231 165,048 161,448 159,491 155,981 154,402 159,180 158,375 159,453 157,279 155,157 139,415 Mortgage
19 Pinjaman Polis* 2,183,445 2,212,794 2,318,195 2,307,125 2,287,801 2,248,292 2,272,638 2,288,738 2,311,095 2,294,100 2,250,742 2,193,376 Policy Loan
20 Obligasi Daerah** - - 39,866 39,827 39,835 40,340 39,884 39,900 39,900 40,038 40,041 39,821
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** 155,000 155,000 280,000 264,617 262,117 262,192 262,117 262,117 262,117 262,117 262,117 259,617
22 Investasi Lain 1,115,746 1,159,836 1,005,522 881,443 939,790 1,000,746 806,172 773,971 773,971 775,395 812,792 827,757 Other Investment
23 Jumlah Investasi 477,937,210 462,866,646 421,300,922 423,237,547 426,240,257 440,924,485 453,398,267 457,485,761 445,979,034 452,696,299 468,838,778 481,658,813 Total Investment
24 Kas dan Bank 14,246,900 15,400,398 20,286,656 16,175,658 16,930,226 10,353,710 9,443,459 11,344,940 9,918,004 10,831,976 12,881,606 9,615,221 Cash and Bank
25 Tagihan Premi Penutupan Langsung 5,085,390 4,845,945 4,598,279 4,986,390 4,512,152 4,055,612 4,184,900 4,032,686 3,931,582 3,903,662 3,751,581 3,776,392 Premium Receivable
26 Tagihan Premi Reasuransi 1,745 1,018 1,447 1,810 2,095 2,444 24,445 2,140 2,494 2,789 2,002 2,372 Reinsurance Premium Receivable
27 Aset Reasuransi 3,799,928 3,900,688 3,898,463 3,950,698 3,890,481 4,034,362 4,079,235 4,054,625 4,003,346 4,033,176 4,010,227 3,965,824 Reinsurance Asset
28 Tagihan Klaim Koasuransi 113,503 100,802 105,963 113,116 100,689 102,473 108,239 112,772 103,699 108,125 112,137 104,444 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 3,087,464 3,232,008 3,452,282 3,418,663 3,554,745 3,678,757 3,687,474 3,654,402 3,825,934 3,860,811 3,985,674 3,847,049 Reinsurance Claim Receivable
30 Tagihan Investasi 186,955 714,339 509,062 152,725 585,000 678,351 801,181 636,924 664,597 1,122,731 563,223 478,576 Investment Receivable
31 Tagihan Hasil Investasi 3,244,564 3,821,133 3,048,537 3,142,943 2,354,169 2,681,156 2,739,415 3,499,877 3,550,785 3,220,708 2,394,875 2,613,754 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 5,289,901 5,283,339 5,417,825 5,268,796 5,276,747 5,283,950 5,279,587 5,269,440 5,264,363 5,404,418 5,440,655 5,453,249 Property
33 Biaya Akuisisi yang Ditangguhkan 284,493 298,158 306,760 304,986 299,534 312,618 322,678 347,760 365,001 376,840 406,678 473,337 Deferred Acquisition Cost
34 Aset Tetap Lain 2,380,298 2,359,944 2,355,565 2,344,212 2,325,460 2,366,662 2,368,746 2,303,181 2,399,818 2,452,804 2,451,429 2,550,305 Other Fixed Assets
35 Aset Lain 29,941,369 30,507,581 30,945,399 35,133,147 35,764,593 27,961,273 28,372,637 29,369,633 30,387,326 30,915,939 31,819,197 29,665,019 Other Assets
36 Jumlah Bukan Investasi 67,662,512 70,465,354 74,926,237 74,993,144 75,595,891 61,511,368 61,411,996 64,628,380 64,416,950 66,233,979 67,819,284 62,545,542 Total Non Investment
37 JUMLAH ASET 545,599,722 533,332,000 496,227,158 498,230,692 501,836,148 502,435,853 514,810,264 522,114,141 510,395,984 518,930,278 536,658,062 544,204,355 Total Assets
38 Utang Klaim 21,520,481 22,065,789 22,560,094 22,867,020 24,790,196 25,980,773 26,838,734 27,809,488 27,895,322 27,773,660 28,026,088 29,479,788 Claims Payable
39 Utang Koasuransi 71,857 42,885 38,881 46,800 28,873 28,865 32,750 33,378 22,017 26,611 27,523 18,276 Coinsurance Payable
40 Utang Reasuransi 3,433,346 3,644,284 3,821,489 3,785,345 3,919,157 3,922,080 3,956,748 3,863,067 3,986,365 3,947,056 3,905,530 3,617,721 Reinsurance Payable
41 Utang Komisi 1,844,101 1,955,564 1,632,235 1,614,353 1,555,782 1,729,549 1,775,923 1,848,139 1,941,450 1,884,485 2,080,824 2,327,428 Commission Payable
42 Utang Pajak 937,720 910,261 754,794 475,944 593,140 861,215 874,148 951,362 840,025 971,323 1,103,776 1,635,622 Tax Payable
43 Biaya yang Masih Harus Dibayar 5,336,342 5,559,612 5,286,327 4,748,430 4,484,564 4,617,182 4,789,137 4,874,942 5,000,827 5,071,124 5,301,005 5,330,820 Accrued Expense
44 Utang Lain 16,077,057 16,170,368 17,288,124 18,667,909 19,135,997 17,510,826 17,790,597 19,167,343 17,932,359 20,162,882 21,542,421 22,475,213 Others Payable
45 Jumlah Utang 49,220,904 50,348,763 51,381,945 52,205,801 54,507,709 54,650,490 56,058,038 58,547,719 57,618,364 59,837,142 61,987,167 64,884,868 Total Payable
46 Cadangan Premi 417,299,384 406,274,509 379,786,443 378,974,146 379,055,323 390,693,926 399,504,406 403,766,809 393,908,825 399,873,775 413,665,808 424,895,023 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,485,705 4,388,646 4,313,136 4,868,865 4,712,514 4,476,671 4,580,350 4,280,041 4,039,873 3,732,027 3,381,865 3,163,373 Unearned Premium Reserve
48 Cadangan Klaim 5,350,464 5,366,827 5,351,167 5,301,039 5,502,465 5,869,595 6,082,573 6,178,389 6,432,739 6,570,498 6,553,700 6,581,941 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 51,618 52,297 53,332 53,495 53,366 171,124 118,152 113,882 113,566 113,912 114,522 117,911 Catastrophic Reserve
50 Jumlah Cadangan Teknis 427,187,172 416,082,278 389,504,077 389,197,545 389,323,669 401,211,316 410,285,480 414,339,121 404,495,004 410,290,212 423,715,895 434,758,247 Total Technical Reserve
51 Jumlah Liabilitas 476,408,076 466,431,041 440,886,022 441,403,346 443,831,378 455,861,806 466,343,518 472,886,840 462,113,369 470,127,353 485,703,062 499,643,116 Total Liabilities
52 Pinjaman Subordinasi 539,192 538,992 536,522 544,337 544,337 544,337 9,200 9,200 1,385 1,385 1,385 1,385 Subordinate Loan
53 Modal Disetor 27,942,562 28,267,562 28,480,062 28,479,488 28,477,588 33,920,160 33,945,160 33,947,060 34,090,060 33,873,160 33,885,060 33,844,260 Paid in Capital
54 Agio Saham 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 19,914,859 Premium Stock
55 Saldo Laba 26,117,806 25,319,075 25,611,563 26,316,669 25,504,958 12,527,712 12,967,557 14,376,212 14,152,737 14,265,206 14,171,011 7,394,210 Retained Earning
56 Komponen Ekuitas Lainnya (5,322,772) (7,139,529) (19,201,870) (18,428,007) (16,436,972) (20,333,021) (18,370,030) (19,020,030) (19,876,426) (19,251,686) (17,017,315) (16,593,475) Other Equity Components
57 Jumlah Ekuitas 68,652,454 66,361,968 54,804,614 56,283,009 57,460,434 46,029,710 48,457,546 49,218,101 48,281,230 48,801,539 50,953,615 44,559,854 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 545,599,722 533,332,000 496,227,158 498,230,692 501,836,148 502,435,853 514,810,264 522,114,141 510,395,984 518,930,278 536,658,062 544,204,355 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Umum Konvensional/Conventional General Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 26,875,914 26,609,873 26,618,416 26,133,043 25,750,577 24,446,540 24,675,315 24,015,225 24,240,768 24,611,443 25,150,660 25,609,773 Time Deposit
2 Sertifikat Deposito 252,855 268,036 281,728 269,890 263,702 214,694 194,175 178,997 179,552 162,142 160,130 157,489 Certificate Of Deposit
3 Saham 4,367,300 4,291,084 4,162,120 4,301,311 4,195,322 4,359,434 4,334,402 4,481,441 4,424,093 4,518,172 4,569,760 4,658,822 Stocks
4 Obligasi Korporasi 8,600,987 8,645,737 8,417,897 8,127,464 8,124,402 7,921,851 7,805,860 7,783,291 8,031,871 8,149,165 7,742,033 7,625,735 Bonds
5 MTN 97,384 97,383 97,381 98,155 108,691 150,750 148,836 145,413 190,411 170,053 170,095 170,030 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 11,246,538 11,289,918 11,353,546 11,679,118 11,907,440 12,121,806 12,300,657 12,240,553 12,184,561 12,410,683 12,564,802 12,683,441 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 Marketable Securities Issued By Multinational Institution
10 Reksa Dana 18,485,138 18,741,498 17,638,172 17,637,743 17,640,370 18,085,656 18,640,146 18,974,690 19,007,539 19,377,150 19,887,731 20,066,212 Mutual Fund
11 Efek Beragun Aset 42,516 42,482 41,771 41,253 41,216 40,345 38,934 38,896 38,028 37,535 37,535 40,910 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 51,428 - - - - - - - - - - - Real Estate Investment Fund
13 REPO - - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 8,033,904 7,939,922 7,995,230 7,985,243 8,303,289 8,267,571 8,260,608 8,457,913 8,564,960 8,594,589 8,535,686 8,597,623 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 915,453 953,540 959,460 957,346 954,893 954,384 954,332 951,668 951,336 950,644 995,904 940,841 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 181,000 181,000 181,000 181,000 181,000 181,000 186,000 186,000 186,000 186,000 186,000 186,000 Executing
17 Emas Murni 113 118 118 129 127 128 138 158 157 153 148 150 Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 42,304 43,031 41,179 40,884 40,004 35,186 34,934 34,879 41,458 40,929 39,592 40,969 Mortgage
19 Pinjaman Polis* - - - - - - - - - - - - Policy Loan
20 Obligasi Daerah** - - - - - - - - - - - -
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - - - - - - - -
22 Investasi Lain 227,680 226,730 202,174 226,865 226,757 228,533 223,598 223,404 738,638 563,864 562,685 487,816 Other Investment
23 Jumlah Investasi 79,425,514 79,335,349 77,995,190 77,684,443 77,742,792 77,012,877 77,802,935 77,717,528 78,784,372 79,777,523 80,607,761 81,270,811 Total Investment
24 Kas dan Bank 3,525,146 3,527,048 4,330,265 4,212,662 3,836,314 3,746,453 4,055,583 3,920,532 3,724,478 3,813,471 3,848,135 4,535,786 Cash and Bank
25 Tagihan Premi Penutupan Langsung 18,412,052 17,931,930 18,967,648 18,218,687 17,075,880 18,299,954 17,376,005 16,790,942 16,717,504 16,082,878 15,233,845 16,869,212 Premium Receivable
26 Tagihan Premi Reasuransi 2,675,118 2,823,273 2,697,903 3,264,467 2,624,168 2,600,681 3,662,334 3,975,349 4,287,601 3,620,473 2,708,210 2,778,594 Reinsurance Premium Receivable
27 Aset Reasuransi 38,621,638 38,490,710 42,034,044 42,528,125 41,347,793 40,585,261 40,394,717 41,155,872 41,533,474 42,046,258 41,883,323 41,873,053 Reinsurance Asset
28 Tagihan Klaim Koasuransi 940,462 879,664 1,782,576 875,068 801,215 1,033,333 1,016,601 1,001,263 926,226 890,877 821,443 964,353 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 3,672,746 4,002,550 4,123,813 4,453,079 4,140,387 4,207,923 4,667,332 4,559,805 4,368,224 4,351,509 4,112,659 4,049,992 Reinsurance Claim Receivable
30 Tagihan Investasi 30,967 6,947 85,008 17,421 37,852 43,953 4,067 6,577 27 92,398 12,978 1,477 Investment Receivable
31 Tagihan Hasil Investasi 550,665 572,502 376,696 481,931 462,393 548,100 515,141 537,552 509,150 584,259 454,618 416,110 Investment Yield Receivable
32 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 2,812,425 2,771,300 2,717,740 2,810,638 2,820,908 2,972,767 2,813,277 2,950,132 2,886,897 2,714,383 2,695,875 2,711,694 Property
33 Biaya Akuisisi yang Ditangguhkan 475,682 469,300 561,497 438,939 397,058 387,226 364,759 346,980 328,989 316,619 305,764 291,001 Deferred Acquisition Cost
34 Aset Tetap Lain 1,016,545 1,016,499 1,013,228 1,000,395 971,160 949,214 967,870 820,779 868,245 1,053,898 1,013,214 1,078,390 Other Fixed Assets
35 Aset Lain 10,473,917 10,917,090 10,757,341 10,595,532 10,608,935 10,664,140 10,589,312 10,779,031 10,637,057 10,531,831 10,591,380 9,935,201 Other Assets
36 Jumlah Bukan Investasi 83,207,364 83,408,813 89,447,759 88,896,945 85,124,064 86,039,005 86,426,999 86,844,814 86,787,873 86,098,855 83,681,444 85,504,864 Total Non Investment
37 JUMLAH ASET 162,632,877 162,744,162 167,442,949 166,581,387 162,866,856 163,051,882 164,229,934 164,562,343 165,572,245 165,876,378 164,289,205 166,775,675 Total Assets
38 Utang Klaim 2,105,116 2,315,861 2,167,824 2,485,206 2,247,670 2,056,419 2,793,919 2,719,395 2,406,500 1,963,082 1,953,030 1,599,307 Claims Payable
39 Utang Koasuransi 1,334,698 1,046,606 1,172,666 983,558 913,500 1,078,866 1,059,282 963,142 959,218 1,004,891 1,064,011 1,152,703 Coinsurance Payable
40 Utang Reasuransi 9,159,872 8,869,177 9,675,477 9,812,838 8,846,384 9,689,505 9,374,840 8,373,119 8,752,216 8,770,474 7,721,218 8,362,109 Reinsurance Payable
41 Utang Komisi 1,833,619 1,864,804 2,022,295 1,855,648 1,778,990 1,785,534 1,781,356 1,822,046 1,837,343 1,818,721 1,772,823 1,779,586 Commission Payable
42 Utang Pajak 589,507 591,754 656,430 377,526 335,375 391,479 484,088 488,424 509,023 543,656 521,991 582,650 Tax Payable
43 Biaya yang Masih Harus Dibayar 2,948,730 2,984,142 2,562,453 2,769,441 2,608,027 2,797,695 2,615,569 2,694,276 2,651,650 3,016,983 3,099,942 4,164,671 Accrued Expense
44 Utang Lain 11,159,228 11,253,399 11,694,328 11,651,521 10,986,539 10,983,535 10,649,459 10,163,189 10,179,735 10,029,579 9,931,279 10,301,833 Others Payable
45 Jumlah Utang 29,130,769 28,925,741 29,951,472 29,935,738 27,716,485 28,783,033 28,758,514 27,223,590 27,295,684 27,147,387 26,064,294 27,942,859 Total Payable
46 Cadangan Premi 13,324,294 12,439,439 13,277,617 13,311,475 13,097,179 13,764,587 14,359,670 14,468,275 14,701,098 15,597,285 14,465,799 14,518,709 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 21,843,204 22,625,961 22,411,080 21,830,761 20,868,758 20,637,489 20,525,315 19,655,227 19,772,367 18,207,147 18,059,148 19,170,979 Unearned Premium Reserve
48 Cadangan Klaim 34,934,693 35,285,440 38,336,520 38,400,528 37,891,116 36,164,905 36,224,914 37,932,820 38,636,941 39,062,531 39,190,061 38,138,036 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 93,803 118,402 105,698 91,484 82,860 82,712 80,363 75,481 71,781 73,908 73,920 444,029 Catastrophic Reserve
50 Jumlah Cadangan Teknis 70,195,995 70,469,242 74,130,915 73,634,249 71,939,912 70,649,693 71,190,261 72,131,803 73,182,188 72,940,871 71,788,928 72,271,753 Total Technical Reserve
51 Jumlah Liabilitas 99,326,764 99,394,983 104,082,387 103,569,987 99,656,397 99,432,726 99,948,775 99,355,393 100,477,872 100,088,258 97,853,222 100,214,612 Total Liabilities
52 Pinjaman Subordinasi 720,906 722,500 694,441 694,205 694,102 690,741 700,863 675,882 675,942 712,583 712,507 731,582 Subordinate Loan
53 Modal Disetor 23,515,232 23,291,162 23,762,332 23,491,163 23,511,163 23,562,241 23,562,624 23,592,624 23,592,635 23,487,666 23,548,388 23,063,388 Paid in Capital
54 Agio Saham 1,780,480 1,785,480 1,685,953 1,784,751 1,764,751 1,764,657 1,769,771 1,769,771 1,769,772 1,734,670 1,743,948 1,742,868 Premium Stock
55 Saldo Laba 29,401,411 29,751,108 30,176,759 29,486,892 29,875,326 30,000,785 31,021,254 31,764,489 31,904,031 32,433,384 32,665,263 32,988,450 Retained Earning
56 Komponen Ekuitas Lainnya 7,888,084 7,798,928 7,041,078 7,554,391 7,365,116 7,600,732 7,226,647 7,404,183 7,151,992 7,419,817 7,765,877 8,034,775 Other Equity Components
57 Jumlah Ekuitas 62,585,208 62,626,679 62,666,122 62,317,196 62,516,357 62,928,415 63,580,296 64,531,068 64,418,430 65,075,537 65,723,476 65,829,481 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 162,632,877 162,744,162 167,442,949 166,581,387 162,866,856 163,051,882 164,229,934 164,562,343 165,572,245 165,876,378 164,289,205 166,775,675 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018

Muhamad Maulana Yasin Jayawiguna:WA00810, 2/22/2016 1:19:18 PM

Hal: 1/ 1
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Reasuransi Konvensional/ Conventional Reinsurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito Berjangka 5,274,271 5,295,101 5,304,580 5,201,196 5,165,200 5,315,034 5,350,614 5,292,112 5,266,089 5,337,658 5,136,613 5,593,761 Time Deposit
2 Sertifikat Deposito - - - - - - - - - - - - Certificate Of Deposit
3 Saham 434,237 417,809 306,035 315,126 324,815 344,083 363,942 379,176 347,773 370,742 421,549 467,137 Stocks
4 Obligasi Korporasi 2,275,326 2,325,452 2,208,306 2,201,668 2,313,709 2,316,152 2,325,987 2,478,017 2,528,608 2,536,447 2,620,925 2,588,196 Bonds
5 MTN 20,000 20,000 20,000 20,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 5,000 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 2,178,907 2,113,839 2,264,187 2,390,810 2,503,591 2,331,648 2,377,654 2,319,113 2,297,681 2,383,772 2,515,376 2,689,887 Marketable Securities Issued By Republic Indonesia
7 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 2,453,290 2,362,844 2,254,652 2,372,976 2,455,999 2,530,406 2,662,821 2,776,662 2,692,227 2,718,200 2,862,344 2,804,366 Mutual Fund
11 Efek Beragun Aset - - - - - - - - - - - - Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - - - - - - - Real Estate Investment Fund
13 REPO - - - - - - - - - - - - Repurchase Order
14 Penyertaan Langsung 842,090 843,121 853,650 851,215 867,082 874,277 924,196 864,154 859,806 858,364 874,424 891,114 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 205,739 205,739 205,792 205,792 205,792 205,792 205,792 205,792 205,792 205,792 205,792 205,946 Buildings With Strata Title or Real Estate For Investment
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) - - - - - - - - - - - - Executing
18 Emas Murni - - - - - - - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 455 451 446 442 438 433 429 424 420 415 411 407 Mortgage
20 Pinjaman Polis* - - - - - - - - - - - - Policy Loan
21 Obligasi Daerah** - - - - - - - - - - - -
22 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - - - - - - - -
23 Investasi Lain 41,982 40,421 39,008 41,311 39,962 42,877 39,664 40,776 40,854 40,958 48,053 39,068 Other Investment
24 Jumlah Investasi 13,726,297 13,624,777 13,456,657 13,600,537 13,886,589 13,970,703 14,261,098 14,366,227 14,249,250 14,462,347 14,695,488 15,284,881 Total Investment
25 Kas dan Bank 120,926 96,647 181,623 162,619 203,390 190,659 123,301 135,453 126,714 146,701 269,361 163,605 Cash and Bank
26 Tagihan Premi Penutupan Langsung 701,850 813,457 906,606 822,359 821,496 813,438 961,615 825,924 829,569 768,849 878,215 797,727 Premium Receivable
27 Tagihan Premi Reasuransi 2,334,032 2,784,429 3,075,625 3,165,324 3,025,130 2,822,271 3,138,675 2,267,714 2,464,201 2,079,298 2,041,420 2,309,844 Reinsurance Premium Receivable
28 Aset Reasuransi 6,932,673 7,259,699 7,814,018 6,481,803 6,372,040 6,385,136 5,551,172 6,247,703 6,340,702 6,201,490 6,189,455 5,726,525 Reinsurance Asset
29 Tagihan Klaim Koasuransi - - - - - - - - - - - - Coinsurance Claim Receivable
30 Tagihan Klaim Reasuransi 265,126 346,487 342,827 351,430 368,891 422,817 508,638 517,504 449,291 521,033 455,823 451,756 Reinsurance Claim Receivable
31 Tagihan Investasi 65,805 159,636 - - - 3,000 5,157 22,967 3,000 3,000 3,000 3,000 Investment Receivable
32 Tagihan Hasil Investasi 465,978 78,774 81,002 88,828 65,492 70,025 83,219 84,355 82,247 95,843 61,576 76,695 Investment Yield Receivable
33 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri 306,519 726,124 725,841 753,029 767,211 806,705 812,266 809,975 809,168 816,403 816,749 839,935 Property
34 Biaya Akuisisi yang Ditangguhkan - - - - - - - - - - - - Deferred Acquisition Cost
35 Aset Tetap Lain 72,928 72,084 69,125 65,555 63,429 60,167 55,312 57,462 56,042 55,628 54,595 62,106 Other Fixed Assets
36 Aset Lain 1,415,931 1,398,598 1,414,264 1,377,325 1,376,802 1,328,206 1,281,113 1,283,583 1,281,816 1,292,234 1,295,402 1,273,847 Other Assets
37 Jumlah Bukan Investasi 12,681,770 13,735,936 14,610,930 13,268,271 13,063,882 12,902,424 12,520,469 12,252,642 12,442,749 11,980,478 12,065,595 11,705,040 Total Non Investment
38 JUMLAH ASET 26,408,068 27,360,713 28,067,587 26,868,808 26,950,471 26,873,128 26,781,567 26,618,869 26,691,999 26,442,825 26,761,083 26,989,920 Total Assets
39 Utang Klaim 553,820 666,130 632,809 774,170 916,026 922,504 840,610 731,244 830,151 605,922 779,820 660,372 Claims Payable
40 Utang Koasuransi - - - - - - - - - - - - Coinsurance Payable
41 Utang Reasuransi 1,451,612 1,932,552 2,186,325 2,139,199 2,080,555 1,857,894 1,732,941 1,737,812 1,719,737 1,660,019 1,428,123 1,603,135 Reinsurance Payable
42 Utang Komisi - - - - - - - - - - - - Commission Payable
43 Utang Pajak 80,787 75,306 70,871 45,715 45,086 50,426 51,675 54,801 57,450 52,174 59,662 57,516 Tax Payable
44 Biaya yang Masih Harus Dibayar 130,482 138,423 138,477 141,161 144,466 125,660 103,069 83,750 83,360 85,703 88,038 126,276 Accrued Expense
45 Utang Lain 259,526 269,178 250,608 269,788 265,201 255,665 271,799 266,853 261,861 314,415 489,839 819,214 Others Payable
46 Jumlah Utang 2,476,227 3,081,589 3,279,089 3,370,034 3,451,334 3,212,149 3,000,094 2,874,460 2,952,559 2,718,234 2,845,484 3,266,513 Total Payable
47 Cadangan Premi 911,408 1,241,021 1,304,674 1,319,146 1,430,693 1,432,701 1,455,938 1,516,533 1,507,650 1,489,364 1,441,406 1,427,343 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 6,055,756 6,072,814 6,187,399 4,829,440 4,654,419 4,658,639 4,493,293 4,284,456 4,291,458 4,267,145 4,432,445 3,929,886 Unearned Premium Reserve
49 Cadangan Klaim 6,947,809 7,201,242 7,975,924 7,849,626 7,855,637 7,903,291 7,880,324 7,999,821 8,121,333 8,123,246 8,035,647 7,839,612 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 551,527 434,910 448,834 469,814 450,812 431,817 424,591 410,857 410,857 419,234 404,233 391,136 Catastrophic Reserve
51 Jumlah Cadangan Teknis 14,466,500 14,949,987 15,916,831 14,468,026 14,391,562 14,426,448 14,254,146 14,211,667 14,331,299 14,298,988 14,313,731 13,587,977 Total Technical Reserve
52 Jumlah Liabilitas 16,942,726 18,031,577 19,195,920 17,838,059 17,842,896 17,638,597 17,254,240 17,086,127 17,283,858 17,017,222 17,159,214 16,854,491 Total Liabilities
53 Pinjaman Subordinasi 379,383 379,383 379,383 379,383 376,433 376,433 376,433 376,433 376,433 376,433 376,433 376,433 Subordinate Loan
54 Modal Disetor 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 2,651,634 Paid in Capital
55 Agio Saham 451,579 451,579 451,579 451,579 451,579 451,579 451,579 451,579 451,579 451,579 451,579 451,579 Premium Stock
56 Saldo Laba 4,359,264 4,269,658 4,269,249 4,375,417 4,360,378 4,399,359 4,528,137 4,564,874 4,513,106 4,472,905 4,603,809 4,755,587 Retained Earning
57 Komponen Ekuitas Lainnya 1,623,481 1,576,883 1,119,822 1,172,736 1,267,551 1,355,527 1,519,544 1,488,222 1,415,389 1,473,053 1,518,415 1,900,197 Other Equity Components
58 Jumlah Ekuitas 9,085,958 8,949,754 8,492,283 8,651,366 8,731,142 8,858,098 9,150,894 9,156,308 9,031,708 9,049,171 9,225,436 9,758,997 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 26,408,068 27,360,713 28,067,587 26,868,808 26,950,471 26,873,128 26,781,567 26,618,869 26,691,999 26,442,825 26,761,083 26,989,920 Total Liabilities and Equities

* Pinjaman Polis dikategorikan menjadi instrumen investasi sejak Agustus 2017 berdasarkan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
** Penambahan jenis investasi "Obligasi Daerah" dan "Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif" berdasarkan POJK nomor 27/POJK.05/2018

Muhamad Maulana Yasin Jayawiguna:WA00810, 2/22/2016 2:09:12 PM

Hal: 1/ 1
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Sosial / Social Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito 49,525,603 44,394,547 43,721,572 46,613,987 54,355,256 55,934,064 60,972,411 61,967,883 55,594,320 56,655,094 56,830,903 64,438,837.6 Time Deposit
2 Saham 77,569,847 70,976,226 56,281,876 58,053,369 58,160,417 61,787,994 65,423,913 67,628,105 61,064,427 65,539,708 73,280,755 75,577,379.5 Stocks
3 Sukuk atau Obligasi 56,523,057 57,815,943 58,643,019 60,481,498 60,667,176 62,119,687 62,965,074 64,710,360 67,119,791 68,743,721 79,320,074 81,628,474.8 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 209,845,846 216,069,327 219,870,037 222,152,027 222,302,980 222,291,975 221,269,458 223,606,755 230,546,326 233,930,803 230,412,873 229,041,463.7 Marketable Securities Issued By Republic Indonesia
5 Surat Berharga Syariah yang Diterbitkan oleh Selain Negara Republik Indonesia - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
6 Surat Berharga Yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
7 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
8 Reksa Dana 39,551,247 37,174,871 29,580,223 30,653,163 31,248,886 33,046,708 35,088,656 36,038,456 32,294,475 34,251,652 38,792,670 41,618,797.9 Mutual Fund
9 Efek Beragun Aset 606,670 607,486 571,792 567,932 571,000 547,897 547,712 545,907 518,696 515,444 516,686 479,008.3 Assets Backed Securities
10 Dana Investasi Real Estate - - - - - - - - - - - Real Estate Investment Fund
11 Penyertaan Langsung 720 717 720 650 650 650 650 650 650 650 650 650.0 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 2,273,862 2,274,091 2,273,976 2,274,548 2,274,430 2,274,316 2,275,701 2,278,931 2,276,107 2,276,021 2,275,947 2,278,806.3 Buildings With Strata Title or Real Estate For Investment
13 Pembelian Piutang Perusahaan Pembiayaan/Bank - - - - - - - - - - - - Refinancing
14 Emas Murni - - - - - - - - - - - - Gold
15 Pinjaman yang dijamin dengan hak tangguhan - - - - - - - - - - - - Mortgage
16 Investasi Lain - - - - - - - - - - - - Other Investment
17 Total Investasi 435,896,853 429,313,209 410,943,217 420,797,174 429,580,796 438,003,291 448,543,575 456,777,047 449,414,792 461,913,094 481,430,559 495,063,418.1 Total Investment
18 Total Non Investasi 20,119,248 21,559,748 21,034,265 25,001,694 23,903,195 26,129,072 27,649,798 31,436,008 32,432,802 35,718,645 37,847,366 39,392,751.5 Total Non Investment
19 Total Aset 456,016,092 450,872,957 431,977,629 445,798,868 453,483,992 464,132,363 476,193,373 488,213,055 481,847,594 497,631,739 519,277,925 534,456,169.6 Total Assets
20 Total Liabilitas 87,681,907 87,667,119 85,394,859 57,972,562 54,365,676 49,298,399 46,482,098 44,870,507 42,353,164 40,685,822 40,752,851 41,028,202.4 Total Liabilty
21 Total Ekuitas dan Aset Netto 368,334,185 363,205,838 346,582,775 387,826,306 399,118,316 414,833,964 429,711,275 443,342,548 439,494,430 456,945,917 478,525,074 493,427,967.2 Total Equity
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Wajib / Compulsary Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Deposito 15,378,950 17,489,950 13,819,100 14,278,350 15,465,100 17,602,250 18,548,000 16,675,900.0 17,125,450 18,922,300 24,558,680 21,946,300 Time Deposit
2 Saham 9,490,129 10,203,791 9,278,647 9,854,106 10,119,349 10,273,291 10,939,787 11,649,535.0 11,136,717 11,393,386 12,415,560 13,374,061 Stocks
3 Sukuk atau Obligasi 34,695,776 35,022,301 33,612,903 33,618,941 33,652,854 33,077,207 32,887,887 32,946,721.2 31,850,706 31,740,103 30,785,257 30,788,193 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 29,386,552 30,010,508 31,040,423 31,562,891 31,999,618 32,314,717 33,295,212 33,965,101.9 33,898,304 32,715,012 30,704,632 34,380,688 Marketable Securities Issued By Republic Indonesia
5 Surat Berharga yang Diterbitkan oleh Selain Negara Republik Indonesia - - - - - - - - - - - - Marketable Securities Issued By other than Republic Indonesia
6 Surat Berharga Yang Diterbitkan oleh Bank Indonesia - - - - - - - - - - - - Marketable Securities Issued By Bank Indonesia
7 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - - - - - - - Marketable Securities Issued By Multinational Institution
8 Reksa Dana 24,136,875 24,642,630 24,095,133 23,577,741 22,958,879 22,888,734 22,989,371 22,602,532.0 22,531,528 22,975,230 24,043,379 24,191,361 Mutual Fund
9 Efek Beragun Aset 2,517,410 2,522,126 2,793,741 2,701,651 2,681,918 2,654,379 2,285,701 2,034,751.9 1,985,129 1,965,261 1,973,683 1,913,942 Assets Backed Securities
10 Dana Investasi Real Estate 116,590 115,280 115,280 115,280 116,590 117,900 113,970 110,040.2 104,800 111,350 112,660 117,900 Real Estate Investment Fund
11 Penyertaan Langsung 3,851,771 3,533,155 3,380,032 3,440,205 3,542,914 3,596,403 3,683,252 3,707,747.5 3,658,092 3,781,157 3,852,141 5,034,907 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 547,055 545,660 543,758 542,363 540,968 539,573 538,150 539,431.7 563,655 562,076 560,469 558,889 Buildings With Strata Title or Real Estate For Investment
13 Pembelian Piutang Perusahaan Pembiayaan/Bank - - - - - - - - - - - - Refinancing
14 Emas Murni - - - - - - - - - - - - Gold
15 Pinjaman yang dijamin dengan hak tangguhan - - - - - - - - - - - - Mortgage
16 Investasi Lain 98,033 98,033 98,033 98,033 98,033 98,033 98,033 98,033.3 98,033 98,033 98,033 98,033 Other Investment
17 Total Investasi 120,219,142 124,183,435 118,777,051 119,789,561 121,176,223 123,162,488 125,379,363 124,329,794.7 122,952,416 124,263,907 129,104,493 132,404,275 Total Investment
18 Total Non Investasi 10,792,877 5,503,938 5,462,330 5,486,576 5,247,076 5,211,364 5,311,304 5,923,755.9 5,093,970 5,324,000 4,890,901 4,920,861 Total Non Investment
19 Total Aset 131,012,019 129,687,374 124,239,381 125,276,138 126,423,299 128,373,851 130,690,668 130,253,550.6 128,046,386 129,587,907 133,995,394 137,325,136 Total Assets
20 Total Liabilitas 116,136,692 116,628,696 117,108,349 117,176,563 117,587,240 118,086,421 118,541,218 120,270,965.2 120,426,347 121,367,106 123,101,267 123,646,528 Total Liabilty
21 Total Ekuitas 14,875,328 13,058,678 7,131,031 8,099,575 8,836,059 10,287,431 12,149,450 9,982,585.8 7,620,039 8,220,800 10,894,127 13,678,608 Total Equity
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This Page is Intentionally Left Blank
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Jiwa Konvensional/ Conventional Life Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Pendapatan premi 15,257,162 28,089,779 40,763,161 51,955,761 64,006,126 79,422,793 95,131,275 109,603,983 121,221,932 139,357,531.0 156,393,319 171,932,038 Premium Income
2 Premi Reasuransi 802,501 1,342,946 1,866,774 2,384,566 2,815,973 3,229,178 3,749,277 4,172,630 4,558,833 5,002,118.0 5,414,733 5,830,660 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (1,107,975) (1,065,674) (832,175) (1,434,419) (1,442,158) (1,341,528) (1,535,685) (1,268,187) (1,017,449) (892,366.5) (666,750) (528,771) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 13,346,686 25,681,159 38,064,212 48,136,776 59,747,995 74,852,086 89,846,313 104,163,167 115,645,649 133,463,046.5 150,311,836 165,572,608 Total Net Premium Income
5 Hasil Investasi (6,268,260) (17,490,609) (43,641,475) (40,578,513) (37,715,897) (24,804,360) (13,212,967) (5,563,877) (16,555,995) (9,147,089.7) 5,072,932 17,675,592 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 119,961 217,566 244,866 328,921 393,683 491,746 582,560 675,591 711,415 810,080.1 897,702 1,008,837 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 509,759 944,075 996,435 1,765,475 1,112,010 1,441,383 1,879,656 2,141,082 2,310,890 2,613,107.8 2,940,603 3,250,353 Other Revenue
8 Jumlah Pendapatan 7,708,146 9,352,191 (4,335,961) 9,652,659 23,537,791 51,980,855 79,095,562 101,415,963 102,111,958 127,739,144.7 159,223,074 187,507,389 Total Revenue
9 Klaim dan Manfaat Dibayar 6,211,122 11,256,495 17,168,825 22,538,036 28,667,387 35,444,654 42,481,254 48,797,286 52,083,104 60,146,074.1 66,080,389 74,028,101 Claim and Benefit Paid
10 Klaim Penebusan Unit 7,407,043 14,025,721 20,199,889 25,064,251 29,342,057 36,182,127 43,923,007 50,220,380 54,769,207 60,707,680.2 68,398,313 75,978,365 Unit Redemption Claim
11 Klaim Reasuransi 411,505 854,957 1,358,232 1,714,984 2,034,506 2,472,871 2,852,113 3,176,710 3,569,746 4,018,783.4 4,464,308 4,901,943 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi 675,101 1,859,020 1,132,762 (7,077,187) (8,545,765) (6,623,768) (3,732,331) (3,484,623) (4,958,948) (4,010,421.7) (54,349) 3,413,401 Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim (39,217) (89,120) (143,311) (254,253) (30,694) 347,242 460,666 632,956 829,384 904,886.8 978,293 783,097 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana (54,998) (52,256) (52,090) (50,856) (49,613) 13,940 14,823 (19,060) 1,683 (23,698.1) (34,294) (8,299) Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 13,787,545 26,144,903 36,947,845 38,505,008 47,348,866 62,891,324 80,295,306 92,970,230 99,154,685 113,705,737.9 130,904,043 149,292,723 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 560,084 1,140,837 1,697,673 2,114,424 2,536,490 3,092,366 3,647,130 4,187,046 4,761,456 5,305,413.9 5,891,548 6,684,601 First Year Commision
17 Beban Komisi - Tahun Lanjutan 283,647 562,296 838,912 1,138,872 1,353,854 1,628,547 1,945,252 2,202,220 2,473,138 2,792,982.9 3,084,917 3,402,559 Renewal Commision
18 Beban Komisi - Overriding 323,384 604,813 898,731 1,157,147 1,438,606 1,741,982 2,043,885 2,326,976 2,591,428 2,915,620.7 3,229,096 3,558,928 Overriding Commmision
19 Beban Lainnya 394,164 889,236 1,189,314 1,676,117 2,271,833 2,709,295 2,525,097 2,880,824 3,134,888 3,519,284.9 3,813,714 4,346,053 Other Expenses
20 Jumlah Biaya Akuisisi 1,561,279 3,197,182 4,624,631 6,086,559 7,600,783 9,172,190 10,161,363 11,597,066 12,960,909 14,533,302.4 16,019,275 17,992,141 Total Acquisition Cost
21 Jumlah Beban Asuransi 15,348,825 29,342,085 41,572,475 44,591,567 54,949,649 72,063,513 90,456,669 104,567,296 112,115,594 128,239,040.3 146,923,318 167,284,863 Total Insurance Expenses
22 Beban Pemasaran 227,718 389,583 672,409 825,479 984,882 1,154,713 1,789,055 2,171,207 2,320,621 2,610,948.5 2,872,659 2,088,827 Marketing Expenses
23 Beban Pegawai dan Pengurus 649,217 1,275,088 1,834,328 2,494,461 3,162,565 3,702,096 4,354,150 4,940,398 5,771,904 6,429,595.9 7,122,495 7,718,899 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 32,012 51,314 73,649 84,626 95,918 108,254 127,547 144,597 164,923 189,166.2 196,362 216,233 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 664,935 1,145,865 1,482,626 2,365,626 3,332,213 4,401,547 4,710,572 5,353,631 5,624,708 6,410,683.4 7,103,035 7,828,684 Other General And Administration Expenses
26 Beban Manajemen 121,425 51,893 86,082 114,480 76,752 61,836 110,413 95,307 91,498 135,636.7 149,879 163,865 Management Expenses
27 Beban Mortalitas 41,825 323,387 504,428 708,184 452,635 547,021 600,727 699,337 741,295 879,802.2 979,704 1,094,192 Mortality Expenses
28 Beban Usaha Lainnya 17,345 (128,810) (655,591) (318,722) (213,534) (61,558) 262,895 319,354 (40,336) 77,136.6 688,389 857,265 Other Operating Expenses
29 Jumlah Beban Usaha 1,754,477 3,108,321 3,997,931 6,274,133 7,891,431 9,913,910 11,955,360 13,723,832 14,674,614 16,732,969.5 19,112,523 19,967,965 Total Operating Expenses
30 Jumlah Beban 17,103,302 32,450,406 45,570,407 50,865,701 62,841,080 81,977,423 102,412,029 118,291,127 126,790,208 144,972,009.8 166,035,841 187,252,829 Total Expenses
31 Kenaikan (Penurunan) Nilai Aset* (8,434,912) (21,718,772) (49,484,722) (42,074,031) (40,516,149) (30,111,228) (24,779,712) (20,396,697) (28,599,036) (22,170,265.0) (12,527,260) (4,069,355) Increase (decrease) in Asset Value
32 Laba (Rugi) Sebelum Pajak (960,244) (1,379,443) (421,646) 860,990 1,212,859 114,660 1,463,245 3,521,533 3,920,786 4,937,399.8 5,714,493 Income (Loss) Before Tax
33 Pajak Penghasilan 180,742 309,175 423,221 701,324 801,281 1,013,601 1,611,573 1,793,454 2,295,252 2,582,618.9 2,818,681 3,946,133 Taxes
34 Laba (Rugi) Setelah Pajak (1,140,986) (1,688,618) (844,866) 159,666 411,578 (898,941) (148,328) 1,728,079 1,625,534 2,354,780.9 2,895,812 377,782 Income (Loss) After Tax
35 Pendapatan Komprehensif Lain 1,934,645 (243,513) (6,208,047) (5,874,433) (4,208,172) (1,833,586) 87,436 707,048 (100,349) 312,946.3 2,493,256 2,820,791 Other Comprehensif Income
36 Total Laba (Rugi) Komprehensif 793,659 (1,932,131) (7,052,913) (5,714,767) (3,796,594) (2,732,527) (60,892) 2,435,128 1,525,185 2,667,727.2 5,389,068 3,198,574 Total Comprehensive Income (Loss)

*khusus yang mempunyai PAYDI

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Umum Konvensional/ Conventional General Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Penutupan Langsung 7,695,620 13,082,041 18,817,599 23,753,064 28,091,217 34,453,701 39,584,678 43,994,495 48,538,415 54,932,401 59,275,786 67,087,994 Direct Premium
2 Premi Penutupan Tidak Langsung 291,525 481,887 1,356,289 1,942,656 2,635,411 3,312,995 5,091,056 5,296,908 5,498,514 5,918,541 5,129,266 9,799,937 Indirect Premium
3 Jumlah Pendapatan Premi 7,987,145 13,563,929 20,173,888 25,695,721 30,726,629 37,766,696 44,675,734 49,291,402 54,036,929 60,850,942 64,405,052 76,887,931 Total Premium Income
4 Komisi Dibayar 988,716 1,827,949 2,566,825 3,257,431 3,955,516 4,671,571 5,494,878 6,149,456 6,701,068 7,568,805 8,108,270 9,596,765 Commission Paid
5 Jumlah Premi Bruto 6,998,429 11,735,979 17,607,063 22,438,290 26,771,112 33,095,125 39,180,856 43,141,946 47,335,861 53,282,137 56,296,781 67,291,166 Total Gross Premium
6 Premi Reasuransi Dibayar 3,152,304 5,481,907 8,203,777 10,888,739 12,936,805 17,482,589 19,785,163 21,746,644 24,147,394 27,244,623 29,232,693 33,294,268 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 497,826 944,887 1,360,976 1,813,323 2,179,036 2,790,987 3,240,428 3,597,891 3,961,799 4,429,892 4,819,342 5,578,320 Reinsurance Commission
8 Jumlah Premi Reasuransi 2,654,478 4,537,020 6,842,801 9,075,417 10,757,769 14,691,602 16,544,735 18,148,752 20,185,595 22,814,731 24,413,351 27,715,948 Total Reinsurance Premium
9 Premi Netto 4,343,951 7,198,960 10,764,262 13,362,873 16,013,343 18,403,524 22,636,121 24,993,194 27,150,266 30,467,406 31,883,431 39,575,218 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (134,518) (210,963) 244,626 610,851 1,168,520 1,033,826 370,274 472,540 222,590 (468,725) 517,245 (37,531) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (1,198,811) (1,249,477) (1,606,801) (1,582,467) (1,477,795) (822,047) (915,227) (435,412) (477,849) 267,687 234,616 (80,972) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (3,174) (6,096) 974 5,794 11,076 14,451 17,058 19,819 21,475 19,697 19,255 19,226 Decrease (Increase)
Total Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (1,336,503) (1,466,536) (1,361,202) (965,822) (298,200) 226,230 (527,895) 56,948 (233,784) (181,341) 771,116 (99,277) Premium Reserve
14 Jumlah Pendapatan Premi Neto 3,007,448 5,732,423 9,403,060 12,397,051 15,715,144 18,629,753 22,108,227 25,050,142 26,916,482 30,286,065 32,654,547 39,475,941 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 4,579 7,391 45,768 49,329 55,463 71,699 70,584 81,630 88,563 103,294 107,674 119,108 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 3,012,027 5,739,815 9,448,828 12,446,380 15,770,607 18,701,452 22,178,811 25,131,772 27,005,045 30,389,358 32,762,221 39,595,049 Underwriting Income
17 Klaim Bruto 2,917,638 5,619,484 9,179,229 12,457,846 15,096,167 17,856,690 21,772,442 23,806,016 26,048,808 28,964,051 31,122,441 37,475,354 Gross Claims
18 Klaim Reasuransi 1,164,369 2,214,484 3,380,006 4,933,253 5,810,314 7,041,718 8,762,616 9,558,649 10,634,652 11,886,637 12,746,316 14,011,822 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 343,399 266,056 461,925 345,427 391,467 391,612 337,888 553,406 840,187 853,781 790,105 830,468 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 2,096,668 3,671,056 6,261,148 7,870,019 9,677,320 11,206,584 13,347,715 14,800,773 16,254,343 17,931,195 19,166,229 24,294,000 Total Claim Expenses
21 Beban Underwriting Lain Neto 59,761 115,088 221,030 291,586 378,324 450,367 526,488 582,454 645,038 734,819 808,723 1,125,093 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 2,156,429 3,786,143 6,482,178 8,161,605 10,055,644 11,656,950 13,874,204 15,383,227 16,899,382 18,666,014 19,974,952 25,419,093 Total Underwriting Expenses
23 Hasil Underwriting 855,599 1,953,671 2,966,650 4,284,775 5,714,963 7,044,502 8,304,607 9,748,544 10,105,663 11,723,344 12,787,269 14,175,955 Underwriting Result
24 Hasil Investasi 337,863 616,807 915,115 1,262,739 1,470,841 1,777,854 2,224,614 2,728,789 3,128,094 3,473,354 3,736,240 4,121,687 Investment Yield
25 Beban Pemasaran 165,709 361,936 523,575 664,707 827,981 973,639 1,134,939 1,277,960 1,414,842 1,598,134 1,787,223 2,033,259 Marketing Expenses
26 Beban Pegawai dan Pengurus 446,787 891,168 1,371,345 1,900,796 2,507,421 3,083,220 3,515,871 3,962,255 4,341,002 4,917,569 5,310,089 6,035,499 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 20,763 45,171 68,501 86,916 104,334 125,636 158,061 175,239 205,175 229,147 239,571 277,750 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 343,273 722,967 1,006,270 1,420,351 1,790,287 2,126,151 2,496,835 2,804,147 3,112,842 3,504,523 3,837,392 4,398,047 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - - - - - - - - Personal Accident Estimation related Cost
30 Biaya Manajemen - - - - - - - - - - - - Management Cost
31 Jumlah Beban Usaha 976,532 2,021,241 2,969,691 4,072,770 5,230,023 6,308,644 7,305,706 8,219,601 9,073,861 10,249,373 11,174,275 12,744,554 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 216,930 549,237 912,075 1,474,744 1,955,780 2,513,711 3,223,516 4,257,732 4,159,897 4,947,325 5,349,234 5,553,088 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (36,756) 38,722 413,780 504,850 277,743 138,411 159,869 175,657 202,399 170,700 12,341 (16,121) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 180,174 587,958 1,325,854 1,979,594 2,233,523 2,652,122 3,383,385 4,433,389 4,362,296 5,118,025 5,361,575 5,536,967 Income (Loss) Before Tax
35 Pajak Penghasilan 45,296 101,069 174,443 238,436 285,430 336,670 428,413 502,298 493,068 630,547 621,972 594,860 Taxes
36 Laba Setelah Pajak 134,878 486,889 1,151,411 1,741,158 1,948,093 2,315,452 2,954,971 3,931,092 3,869,228 4,487,478 4,739,603 4,942,108 Income After Tax
37 Pendapatan Komprehensif Lain (1,007) (20,795) (843,074) (855,847) (786,874) (479,407) (40,903) 98,256 (132,232) 42,661 505,511 757,037 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 133,871 466,094 308,337 885,311 1,161,220 1,836,045 2,914,068 4,029,348 3,736,996 4,530,138 5,245,113 5,699,145 Total Comprehensive Income (Loss)

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Reasuransi Konvensional/ Conventional Reinsurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Penutupan Langsung - - - - - - - - - - - - Direct Premium
2 Premi Penutupan Tidak Langsung 2,929,992 4,887,493 7,337,613 8,967,206 11,088,614 12,971,326 16,002,528 17,429,649 18,911,440 20,559,614 21,658,099 27,124,465 Indirect Premium
3 Jumlah Pendapatan Premi 2,929,992 4,887,493 7,337,613 8,967,206 11,088,614 12,971,326 16,002,528 17,429,649 18,911,440 20,559,614 21,658,099 27,124,465 Total Premium Income
4 Komisi Dibayar 371,526 798,158 1,235,910 1,571,939 1,938,598 2,394,648 2,855,266 3,168,205 3,518,119 3,935,547 4,249,927 4,588,460 Commission Paid
5 Jumlah Premi Bruto 2,558,467 4,089,335 6,101,703 7,395,267 9,150,016 10,576,678 13,147,263 14,261,443 15,393,321 16,624,067 17,408,172 22,536,005 Total Gross Premium
6 Premi Reasuransi Dibayar 1,864,885 2,666,001 3,819,117 4,418,082 5,409,416 6,266,295 8,037,685 8,596,543 9,051,171 9,649,134 9,741,721 14,083,409 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 90,233 190,312 265,811 316,115 344,375 425,167 470,435 503,622 545,334 668,057 725,257 927,663 Reinsurance Commission
8 Jumlah Premi Reasuransi 1,774,652 2,475,690 3,553,306 4,101,966 5,065,042 5,841,128 7,567,250 8,092,921 8,505,838 8,981,077 9,016,464 13,155,746 Total Reinsurance Premium
9 Premi Netto 783,815 1,613,645 2,548,397 3,293,301 4,084,974 4,735,549 5,580,012 6,168,522 6,887,483 7,642,990 8,391,708 9,380,260 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (20,380) (56,854) (14,395) (37,913) (31,960) (35,118) (36,445) (51,762) (38,869) (36,373) (12,924) (2,917) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (183,549) (323,606) (325,597) (200,605) (165,160) (93,758) (56,779) 52,915 (25,991) (40,209) 82,643 164,910 Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) - - - - - - - - - - - - Decrease (Increase) In Catastrophic Reserve
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (203,929) (380,460) (339,992) (238,519) (197,120) (128,876) (93,224) 1,153 (64,861) (76,582) 69,718 161,992 Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 579,886 1,233,186 2,208,405 3,054,782 3,887,854 4,606,674 5,486,788 6,169,676 6,822,622 7,566,408 8,461,426 9,542,252 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 38 274 425 513 665 761 882 1,088 1,176 1,440 1,440 1,485 Nett Other Underwriting Income
16 Pendapatan Underwriting 579,924 1,233,460 2,208,831 3,055,295 3,888,519 4,607,434 5,487,671 6,170,764 6,823,799 7,567,848 8,462,866 9,543,737 Underwriting Income
17 Klaim Bruto 746,715 1,735,435 3,131,011 4,064,518 5,399,705 6,426,247 7,960,189 8,766,176 9,668,739 10,921,193 11,890,094 16,478,787 Gross Claims
18 Klaim Reasuransi 256,833 484,061 1,183,071 1,448,511 2,011,788 2,471,234 3,195,319 3,429,931 3,626,811 4,144,856 4,350,351 8,017,145 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 31,726 53,445 218,963 286,295 332,388 423,523 376,782 475,906 432,251 527,337 531,515 501,755 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 521,608 1,304,819 2,166,902 2,902,303 3,720,305 4,378,536 5,141,652 5,812,151 6,474,179 7,303,673 8,071,258 8,963,397 Total Claim Expenses
21 Beban Underwriting Lain Neto 1,559 3,712 5,686 6,967 8,588 9,446 10,294 11,927 13,292 13,992 14,888 16,402 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 523,167 1,308,532 2,172,589 2,909,270 3,728,893 4,387,982 5,151,946 5,824,078 6,487,471 7,317,665 8,086,145 8,979,799 Total Underwriting Expenses
23 Hasil Underwriting 56,757 (75,072) 36,242 146,025 159,626 219,453 335,725 346,686 336,327 250,183 376,721 563,938 Underwriting Result
24 Hasil Investasi 9,428 15,696 122,374 147,207 201,229 266,554 367,699 452,827 481,045 576,252 685,605 772,423 Investment Yield
25 Beban Pemasaran 1,176 2,715 4,378 4,851 5,468 6,046 7,215 8,064 9,079 9,628 10,659 13,124 Marketing Expenses
26 Beban Pegawai dan Pengurus 28,086 46,567 79,055 104,444 134,575 162,169 189,582 216,505 234,912 265,313 288,486 320,850 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 275 1,206 3,621 3,851 3,916 3,794 4,070 4,499 4,799 5,057 5,656 7,980 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 12,852 39,221 57,370 77,408 97,404 114,831 133,451 151,466 168,729 188,532 207,860 267,841 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - - - - - - - - Personal Accident Estimation related Cost
30 Biaya Manajemen - - - - - - - - - - - - Management Cost
31 Jumlah Beban Usaha 42,389 89,708 144,424 190,554 241,363 286,840 334,317 380,534 417,519 468,530 512,661 609,795 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 23,797 (149,084) 14,193 102,678 119,492 199,167 369,106 418,979 399,854 357,905 549,665 726,565 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (24,939) (3,652) 26,548 66,804 21,403 6,745 (158) (5,910) (1,068) (7,478) (55,500) (81,169) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak (1,142) (152,736) 40,741 169,483 140,895 205,912 368,948 413,068 398,786 350,427 494,165 645,397 Income (Loss) Before Tax
35 Pajak Penghasilan (3,241) 12,744 26,095 41,966 31,449 43,164 51,924 52,042 61,264 46,004 59,402 51,555 Taxes
36 Laba Setelah Pajak 2,099 (165,480) 14,645 127,517 109,446 162,747 317,024 361,026 337,522 304,424 434,763 593,841 Income After Tax
37 Pendapatan Komprehensif Lain 72,409 24,796 (426,697) (364,867) (273,427) (186,606) (62,980) (38,716) (108,811) (56,714) 105,050 214,577 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 74,508 (140,683) (412,051) (237,350) (163,981) (23,859) 254,045 322,310 228,711 247,709 539,813 808,418 Total Comprehensive Income (Loss)

Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Sosial / Social Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Bruto 16,518,703 35,059,282 53,623,833 72,891,351 90,387,331 107,448,583 125,033,055 142,859,477 159,347,659 176,768,605 194,483,658 211,779,917.3 Gross Premium
2 Klaim Bruto 10,411,534 22,857,880 35,816,964 48,268,478 58,112,776 68,859,476 80,418,471 90,413,901 101,334,775 111,432,489 121,606,664 131,957,337.6 Gross Claim
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi Wajib/ Mandatory Insurance
Januari/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/
No Akun January February March April May June July August September October November December Account
1 Premi Bruto 918,322 1,968,556 2,914,368 3,754,233 4,591,285 5,559,747 6,540,707 7,515,830 8,489,473 9,443,976 10,466,960 11,504,138 Gross Premium
2 Klaim Bruto 1,764,347 2,996,367 4,149,237 5,338,724 6,503,034 7,804,044 9,208,489 10,531,481 12,058,641 13,331,862 14,714,436 16,329,434 Gross Claim
 Daftar Istilah
Asuransi
Perjanjian antara dua pihak, yaitu perusahaan asuransi dan
pemegang polis, yang menjadi dasar bagi penerimaan premi oleh
perusahaan asuransi sebagai imbalan untuk:
a.    memberikan penggantian kepada tertanggung atau pemegang
polis karena kerugian, kerusakan, biaya yang timbul, kehilangan
keuntungan, atau tanggung jawab hukum kepada pihak ketiga yang
mungkin diderita tertanggung atau pemegang polis karena terjadinya
suatu peristiwa yang tidak pasti; atau
b.    memberikan pembayaran yang didasarkan pada meninggalnya
tertanggung atau pembayaran yang didasarkan pada hidupnya
tertanggung dengan manfaat yang besarnya telah ditetapkan
dan/atau didasarkan pada hasil pengelolaan dana.
Usaha Asuransi Jiwa
Usaha yang menyelenggarakan jasa penanggulangan risiko dengan
memberikan pembayaran kepada pemegang polis, tertanggung, atau
pihak Lain yang berhak dalam hal tertanggung meninggal dunia atau
tetap hidup, atau pembayaran lain kepada pemegang polis,
tertanggung, atau pihak lain yang berhak pada waktu tertentu yang
diatur dalam perjanjian, yang besarnya telah ditetapkan dan/atau
didasarkan pada hasil pengelolaan dana.
Usaha Asuransi Umum
Usaha jasa pertanggungan risiko yang memberikan penggantian
kepada tertanggung atau pemegang polis karena kerugian,
kerusakan, biaya yang timbul, kehilangan keuntungan, atau tanggung
jawab hukum kepada pihak ketiga yang mungkin diderita tertanggung
atau pemegang polis karena terjadinya suatu peristiwa yang tidak
pasti.
Glossary
Insurance
An agreement between two parties, namely the insurance company
and the policy holder, which becomes the basis for the receipt of
premium by the insurance company as an exchange for:
a.       the provision of a compensation to the insured or policy holder
due to loss, damage, incurring cost, profit loss, or legal liability
towards the a third party which may be suffered by the insured or
policy holder due to an uncertain event; or
b.       the provision of a payment on the basis of the death of the
insured or a payment on the basis of the life of the insured with a
benefit the value of which has been determined and/or based on the
result of the fund management.
Life Insurance Business
A business conducting the risk transfer services and provides
payment toward the policy holder, the insured, or other parties entitled
in the event of the death or life of the insured, or other payments to
the policy holder, the insured, or other parties entitled in a specific
time as set in the agreement, the amount of which has been stipulated
and/or based on the result of the fund management.
General Insurance Business
A business of risk insurance service that provides compensation to
the insured or policy holder due to loss, damage, incurring cost, loss
of profit, or legal liability towards the third party which may be suffered
by the insured or policy holder due to an uncertain event.
Usaha Reasuransi
Asuransi Wajib
Asuransi Sosial
Rasio Kecukupan Premi terhadap
Pembayaran Klaim
Rasio Kecukupan Premi terhadap
Pembayaran Klaim dan Biaya Umum
Rasio Kecukupan Premi dan Hasil
Investasi terhadap Pembayaran Klaim
Rasio Kecukupan Premi dan Hasil
Investasi terhadap Pembayaran Klaim
dan Biaya Umum
Usaha jasa pertanggungan ulang terhadap risiko yang dihadapi oleh
perusahaan asuransi, perusahaan penjaminan, atau perusahaan
reasuransi lainnya.
Merupakan program asuransi yang dijalankan oleh PT. ASABRI
(Persero), PT. Taspen (Persero) dan PT. Jasa Raharja (Persero)
Merupakan program yang dijalankan oleh BPJS Kesehatan dan BPJS
Ketenagakerjaan
Total Premi dibagi dengan total pembayaran klaim. Rasio ini
menunjukkan kecukupan premi yang diterima oleh
perusahaan asuransi untuk menutupi pembayaran klaim pada
periode yang sama.
Total Premi dibagi dengan total pembayaran klaim dan biaya.
Rasio ini menunjukkan kecukupan premi yang diterima oleh
perusahaan asuransi untuk menutupi pembayaran klaim dan
biaya-biaya operasional, seperti biaya umum, biaya
administrasi, dan biaya pemasaran, pada periode yang sama
Total premi dengan hasil investasi dibagi dengan total
pembayaran klaim. Rasio ini menunjukkan kecukupan premi
yang diterima serta hasil pengembangan investasi yang
diterima oleh perusahaan asuransi untuk menutupi
pembayaran klaim pada periode yang sama
Total premi dengan hasil investasi dibagi dengan total
pembayaran klaim dan biaya umum. Rasio ini menunjukkan
kecukupan premi yang diterima serta hasil pengembangan
investasi yang diterima oleh perusahaan untuk menutupi
pembayaran klaim dan biaya-biaya operasional, seperti biaya
umum, biaya administrasi, dan biaya pemasaran, pada
periode yang sama
Reinsurance Business
Mandatory Insurance
Social Insurance
Premium Adequacy to Claim Paid Ratio
Premium Adequacy to Claim Paid and
General Expenses Ratio
Premium and Investment Yield Adequacy Total premium and investment yield divided by total claim
to Claim Paid Ratio
Premium and Investment Yield Adequacy Total Premium and investment yield divided by total claim
to Claim Paid and General Expenses
Ratio
A business providing reinsurance service towards the risk faced by
insurance companies, guarantee companies, or other reinsurance
companies.
Insurance program administering by PT. ASABRI (Persero), PT.
Taspen (Persero) and PT. Jasa Raharja (Persero)\
Program administering by BPJS Kesehatan and BPJS
Ketenagakerjaan
Total Premium divided by total claim paid. This ratio shows
the adequacy of premium received by insurance companies to
cover claim paymnet at the same period.
Total premium divided by total claim and expenses paid. This
ratio shows the adequacy of premium received by insurance
companies to cover claim payment and operational expenses,
such as general expenses, administration expenses and
marketing expense at the same period.
paid. This ratio shows adequacy of premium and investment
yield received by insurance companies to cover claim
payment at the same period.
paid and general expenses. This ratio shows adequacy of
premium and investment yield received by insurance
companies to cover claim payment and operational expenses,
such as general expenses, administration expenses and
marketing expenses at the same period.
Rasio Sesi Asuransi
Rasio Investasi terhadap Cadangan
Teknis
Total premi reasuransi dibagi total premi bruto. Rasio ini
digunakan untuk mengetahui seberapa besar premi asuransi
umum yang disesikan ke perusahaan reasuransi.
Total investasi dibagi total cadangan teknis. Rasio ini
digunakan untuk mengetahui seberapa besar ketahanan
invetasi perusahaan dalam memenuhi kewajiban kepada
pemegang polis. Kewajiban kepada pemegang polis tercermin
dalam cadangan teknis.
Cession Ratio Total reinsurance premium divided by total gross premium.
This ratio shows how much premium from general insurance
transfer to reinsurance companies.
Investment to Gross Technical Reserve Total investment divided by total technical reserve. This ratio
Ratio shows the endurance of companies investment to cover
liability to the policy holder. Liability to policy holder shows in
technical reserve.