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Direktorat Statistik dan Informasi IKNB Directorate Of Statistics and Information NBFI
Gedung Wisma Mulia 2 Lantai 18 Gedung Wisma Mulia 2 Lantai 18
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

Juli 2023
Daftar Isi / Table of Contents

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi Jiwa Konvensional/ Conventional Life Insurance

Asuransi Umum Konvensional / Conventional General Insurance

Reasuransi Konvensional/ Conventional Reinsurance

Asuransi ASN, TNI/POLRI, Kecelakaan Penumpang Umum dan Lalu Lintas Jalan / Insurance Program for Civil Servants, Armed Forced/Police, and Public
Transportation Passenger and Road Traffic Accident

Asuransi Sosial / Social Insurance

Laporan Laba Rugi Komprehensif / Comprehensive Income Statement

Asuransi Jiwa Konvensional/ Conventional Life Insurance

Asuransi Umum Konvensional / Conventional General Insurance

Reasuransi Konvensional/ Conventional Reinsurance

Asuransi ASN, TNI/POLRI, Kecelakaan Penumpang Umum dan Lalu Lintas Jalan / Insurance Program for Civil Servants, Armed Forced/Police, and Public
Transportation Passenger and Road Traffic Accident

Asuransi Sosial / Social Insurance

1

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 1,411,098,801 1,419,671,333 1,436,469,610 1,449,586,460 1,461,284,678 1,471,429,033 - - - - - - Total Investment
Total Bukan Investasi 342,917,649 345,533,013 329,813,332 332,181,038 325,372,731 332,169,873 - - - - - - Total Non Investment
Total Aset 1,754,016,450 1,765,204,346 1,766,282,942 1,781,767,498 1,786,657,409 1,803,598,906 - - - - - - Total Assets

Total Liabilitas 836,629,779 838,470,287 835,592,856 801,526,703 796,782,759 803,363,764 - - - - - - Total Liabilities
Total Pinjaman Subordinasi 3,009,439 2,990,837 2,990,837 2,990,837 3,003,145 3,040,145 - - - - - - Total Subordinate Loan
Total Ekuitas 914,377,231 923,743,223 927,699,251 977,249,954 986,871,505 997,194,997 - - - - - - Total Equities

Premi* 48,288,605 91,049,602 135,036,268 177,422,016 221,083,367 266,131,286 - - - - - - Premium

Klaim 33,598,268 66,845,586 102,728,137 132,536,545 168,237,957 203,288,054 - - - - - - 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 120.7% 111.7% 106.6% 107.7% 106.5% 106.7% - - - - - - Premium Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 105.2% 98.7% 94.7% 94.8% 94.0% 94.3% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 139.3% 124.9% 122.1% 126.6% 124.7% 129.1% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 121.4% 110.3% 108.5% 111.4% 110.1% 114.1% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio

Rasio Sesi Asuransi 5.7% 4.6% 4.2% 3.9% 3.7% 3.6% - - - - - - Cession Ratio

Rasio Investasi terhadap Cadangan Teknis 118.3% 118.7% 118.4% 121.8% 122.1% 122.5% - - - - - - Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 331.7% 283.0% 261.3% 272.9% 250.3% 242.3% - - - - - - Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 245.8% 206.8% 191.4% 193.6% 179.5% 175.5% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 341.3% 292.8% 272.5% 284.8% 262.9% 254.6% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 252.8% 214.0% 199.6% 202.0% 188.6% 184.4% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 42.7% 42.6% 41.4% 41.9% 41.4% 43.0% - - - - - - Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 103.2% 103.8% 105.2% 104.9% 106.3% 105.9% - - - - - - Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 296.6% 264.0% 235.7% 242.8% 225.6% 219.0% - - - - - - Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 284.4% 250.1% 222.5% 227.5% 211.8% 205.6% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 299.5% 269.9% 241.7% 249.4% 232.7% 226.5% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 287.2% 255.7% 228.2% 233.7% 218.6% 212.7% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 69.5% 59.3% 54.4% 52.1% 48.0% 46.2% - - - - - - Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 82.8% 80.7% 81.3% 80.7% 83.5% 83.5% - - - - - - 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 38,276,020 37,466,533 34,491,499 34,875,553 37,669,650 35,285,057 Time Deposit
2 Sertifikat Deposito 2,927 2,939 2,953 2,967 2,978 1,785 Certificate Of Deposit
3 Saham 151,823,759 153,777,000 152,612,949 153,107,449 148,905,778 149,342,381 Stocks
4 Obligasi Korporasi 34,599,729 35,563,133 35,396,871 34,501,944 34,244,976 35,000,319 Bonds
5 MTN 7,057,714 7,031,803 6,948,182 6,592,978 6,541,565 6,512,949 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 139,366,538 142,012,021 144,960,209 145,864,916 147,770,828 151,309,933 Marketable Securities Issued By Republic Indonesia
Surat Berharga yang Diterbitkan oleh Negara Selain 633,386 632,619 567,540 480,531 219,719 192,449
7 Negara RI Marketable Securities Issued By other than Republic Indonesia
- - - - - -
8 Surat Berharga yang Diterbitkan oleh Bank Indonesia Marketable Securities Issued By Bank Indonesia
Surat Berharga yang Diterbitkan oleh Lembaga - - - - - -
9 Multinasional Marketable Securities Issued By Multinational Institution
10 Reksa Dana 101,483,443 96,160,500 94,078,603 93,920,613 93,915,666 92,597,941 Mutual Fund
11 Efek Beragun Aset 218,328 217,703 204,400 204,301 204,726 191,861 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 12,490 12,398 12,398 12,398 11,663 12,465 Real Estate Investment Fund
13 REPO - - - - - - Repurchase Order
14 Penyertaan Langsung 23,728,883 23,798,091 23,340,374 23,443,596 23,476,315 23,741,446 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan 16,446,834 16,484,996 17,230,047 17,213,601 17,246,166 17,293,118 Buildings With Strata Title or Real Estate For Investment
Pembiayaan Melalui Kerjasama dengan Pihak Lain 351,101 351,101 351,101 356,101 361,101 361,101
16 (Executing) Executing
17 Emas Murni - - - - - - Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 117,249 110,832 108,897 110,563 109,069 107,523 Mortgage
19 Pinjaman Polis* 2,218,909 2,241,644 2,240,969 2,173,583 2,203,597 2,222,402 Policy Loan
20 Obligasi Daerah** - - - - - -
Dana Investasi Infrastruktur Berbentuk Kontrak 233,173 233,173 233,173 223,728 220,196 220,196
21 Investasi Kolektif **
22 Investasi Lain 1,569,995 1,746,748 1,899,559 2,153,257 2,304,520 2,344,569 Other Investment
23 Jumlah Investasi 518,140,478 517,843,236 514,679,724 515,238,078 515,408,512 516,737,494 Total Investment
24 Kas dan Bank 11,782,569 13,149,540 11,094,604 11,309,987 11,751,317 11,887,625 Cash and Bank
25 Tagihan Premi Penutupan Langsung 5,063,229 4,681,796 4,593,729 5,531,035 4,825,155 4,783,376 Premium Receivable
26 Tagihan Premi Reasuransi 522 600 414 450 498 348 Reinsurance Premium Receivable
27 Aset Reasuransi 3,989,082 3,972,384 3,981,698 3,744,993 3,790,920 3,778,308 Reinsurance Asset
28 Tagihan Klaim Koasuransi 103,611 101,399 90,649 72,642 76,175 73,006 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 4,931,580 4,960,034 4,664,385 4,603,093 4,334,867 4,396,489 Reinsurance Claim Receivable
30 Tagihan Investasi 507,384 345,804 393,090 343,816 444,958 240,029 Investment Receivable
31 Tagihan Hasil Investasi 3,777,634 3,837,978 5,254,432 4,090,424 3,719,325 4,487,110 Investment Yield Receivable
Bangunan dengan Hak Strata atau Tanah dengan 5,823,746 5,819,165 4,723,822 4,876,359 4,867,226 4,845,469
32 Bangunan untuk Dipakai Sendiri Property
33 Biaya Akuisisi yang Ditangguhkan 713,193 834,960 703,958 3,967,327 3,934,333 3,889,523 Deferred Acquisition Cost
34 Aset Tetap Lain 2,847,724 2,831,410 2,963,498 2,942,959 2,929,971 3,037,925 Other Fixed Assets
35 Aset Lain 31,578,408 31,933,603 33,059,092 29,531,819 29,855,230 29,024,448 Other Assets
36 Jumlah Bukan Investasi 71,118,684 72,468,673 71,523,371 71,014,903 70,529,974 70,443,656 Total Non Investment
37 JUMLAH ASET 589,259,161 590,311,908 586,203,095 586,252,981 585,938,486 587,181,150 Total Assets
38 Utang Klaim 16,933,198 17,010,977 17,227,559 11,495,972 11,651,456 11,851,745 Claims Payable
39 Utang Koasuransi 49,495 49,709 32,775 32,860 32,944 32,955 Coinsurance Payable
40 Utang Reasuransi 3,906,549 3,908,344 3,824,388 3,766,698 3,288,561 3,391,690 Reinsurance Payable
41 Utang Komisi 1,986,624 1,817,416 1,844,326 1,675,999 1,758,150 1,773,777 Commission Payable
42 Utang Pajak 1,117,162 1,216,302 1,152,075 1,167,489 908,823 832,073 Tax Payable
43 Biaya yang Masih Harus Dibayar 5,349,258 5,678,127 5,100,541 4,577,526 4,667,976 4,555,720 Accrued Expense
44 Utang Lain 16,793,954 18,563,831 17,730,707 17,292,629 16,995,906 19,037,098 Others Payable
45 Jumlah Utang 46,136,240 48,244,705 46,912,371 40,009,174 39,303,816 41,475,059 Total Payable
46 Cadangan Premi 424,919,643 422,812,429 421,414,963 408,951,754 408,069,404 408,108,337 Premium Reserve
Cadangan Atas Premi Yang Belum Merupakan 5,458,514 5,435,247 5,246,530 6,127,247 5,837,257 5,580,402
47 Pendapatan Unearned Premium Reserve
48 Cadangan Klaim 7,576,369 7,813,869 8,025,269 7,972,319 8,055,330 8,172,596 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 113,314 123,638 125,576 127,288 134,912 135,554 Catastrophic Reserve
50 Jumlah Cadangan Teknis 438,067,840 436,185,183 434,812,338 423,178,607 422,096,903 421,996,889 Total Technical Reserve
51 Jumlah Liabilitas 484,204,080 484,429,888 481,724,709 463,187,781 461,400,719 463,471,947 Total Liabilities
52 Pinjaman Subordinasi 501,385 501,385 501,385 501,385 501,385 501,385 Subordinate Loan
53 Modal Disetor 68,190,189 68,684,690 68,551,198 68,551,198 68,576,198 68,445,646 Paid in Capital
54 Agio Saham 24,447,224 24,447,224 25,190,866 25,190,866 25,190,866 25,190,866 Premium Stock
55 Saldo Laba 12,795,089 13,731,984 12,763,951 11,403,461 11,518,513 10,526,296 Retained Earning
56 Komponen Ekuitas Lainnya (878,807) (1,483,263) (2,529,014) 17,418,290 18,750,805 19,045,010 Other Equity Components
57 Jumlah Ekuitas 104,553,696 105,380,635 103,977,001 122,563,815 124,036,382 123,207,818 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 589,259,161 590,311,908 586,203,095 586,252,981 585,938,486 587,181,150 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 23,213,675 22,815,563 23,586,632 22,952,880 23,743,722 23,493,971 Time Deposit
2 Sertifikat Deposito 77,471 75,957 61,997 47,350 57,076 57,115 Certificate Of Deposit
3 Saham 5,335,281 5,559,166 4,915,159 4,888,946 4,817,252 5,070,104 Stocks
4 Obligasi Korporasi 9,853,450 9,963,506 10,086,790 10,418,328 10,126,761 10,140,529 Bonds
5 MTN 323,221 392,156 353,495 351,692 356,025 356,104 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 28,031,562 28,587,577 29,688,247 30,505,689 30,911,793 31,311,753 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 - 13,254 - - - - Marketable Securities Issued By Bank Indonesia
9 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional - - - - - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 16,136,758 16,137,844 16,102,268 16,099,367 16,213,086 16,039,182 Mutual Fund
11 Efek Beragun Aset 40,765 40,678 39,362 36,398 39,167 38,355 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - Real Estate Investment Fund
13 REPO - - - - - - Repurchase Order
14 Penyertaan Langsung 9,009,874 9,060,860 8,812,405 8,780,730 8,840,455 8,786,590 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Inve 1,053,994 1,053,443 1,050,174 1,049,650 1,049,127 1,077,627 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 212,500 207,500 249,500 245,500 240,500 240,500 Executing
17 Emas Murni 139 137 137 142 142 142 Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 46,020 45,478 41,983 42,642 42,918 40,337 Mortgage
19 Pinjaman Polis* - - - - - - Policy Loan
20 Obligasi Daerah** - - - - - -

- - - - - -
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif **
22 Investasi Lain 391,256 391,248 391,018 390,947 390,921 390,386 Other Investment
23 Jumlah Investasi 93,725,966 94,344,366 95,379,167 95,810,260 96,828,945 97,042,695 Total Investment
24 Kas dan Bank 6,766,260 7,865,246 6,844,974 6,534,152 6,115,234 6,750,050 Cash and Bank
25 Tagihan Premi Penutupan Langsung 22,235,251 21,291,643 20,694,102 22,020,380 19,515,715 19,856,782 Premium Receivable
26 Tagihan Premi Reasuransi 3,100,267 3,012,050 3,128,454 3,075,841 2,930,650 2,737,642 Reinsurance Premium Receivable
27 Aset Reasuransi 50,985,256 50,759,856 50,172,824 50,328,206 50,554,773 50,999,421 Reinsurance Asset
28 Tagihan Klaim Koasuransi 842,650 840,993 832,515 902,700 901,873 1,118,836 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 5,362,904 5,194,042 5,247,002 4,940,401 5,206,752 5,387,662 Reinsurance Claim Receivable
30 Tagihan Investasi 5,205 4,227 4,074 4,348 3,803 5,114 Investment Receivable
31 Tagihan Hasil Investasi 559,344 573,755 575,885 543,964 476,127 522,444 Investment Yield Receivable
Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai 3,694,829 3,871,386 3,900,455 3,893,079 3,891,012 3,892,686
32 Sendiri Property
33 Biaya Akuisisi yang Ditangguhkan 38,802 414,283 436,448 1,462,349 462,536 474,663 Deferred Acquisition Cost
34 Aset Tetap Lain 1,294,196 1,227,501 1,235,377 1,274,478 1,274,844 1,189,679 Other Fixed Assets
35 Aset Lain 11,852,032 11,845,741 11,479,265 10,704,219 11,744,401 12,488,666 Other Assets
36 Jumlah Bukan Investasi 106,736,997 106,900,721 104,551,375 105,684,119 103,077,720 105,423,645 Total Non Investment
37 JUMLAH ASET 200,462,962 201,245,087 199,930,542 201,494,378 199,906,666 202,466,340 Total Assets
38 Utang Klaim 2,279,480 2,321,173 2,276,113 2,099,273 2,292,505 2,920,478 Claims Payable
39 Utang Koasuransi 1,033,159 1,045,897 1,116,889 998,357 848,809 989,874 Coinsurance Payable
40 Utang Reasuransi 11,576,704 11,289,873 10,122,173 10,870,212 9,753,212 10,979,141 Reinsurance Payable
41 Utang Komisi 2,192,042 2,206,398 2,207,636 2,269,116 2,243,955 2,296,204 Commission Payable
42 Utang Pajak 1,064,708 1,020,151 1,147,237 926,671 965,267 856,842 Tax Payable
43 Biaya yang Masih Harus Dibayar 3,203,471 3,126,130 2,938,992 2,908,624 2,761,219 2,683,710 Accrued Expense
44 Utang Lain 13,295,540 13,647,533 14,083,799 14,936,649 14,116,117 14,485,558 Others Payable
45 Jumlah Utang 34,645,103 34,657,154 33,892,840 35,008,902 32,981,083 35,211,807 Total Payable
46 Cadangan Premi 21,695,600 21,506,224 21,960,455 22,204,548 22,240,972 22,078,223 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 23,353,387 23,625,984 23,176,261 23,126,334 22,435,201 22,850,859 Unearned Premium Reserve
48 Cadangan Klaim 45,720,331 45,659,639 45,432,149 45,931,820 46,346,303 46,625,331 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 92,384 94,711 97,193 99,207 101,300 110,264 Catastrophic Reserve
50 Jumlah Cadangan Teknis 90,861,701 90,886,557 90,666,059 91,361,909 91,123,775 91,664,677 Total Technical Reserve
51 Jumlah Liabilitas 125,506,804 125,543,712 124,558,899 126,370,811 124,104,859 126,876,484 Total Liabilities
52 Pinjaman Subordinasi 1,030,584 1,022,700 1,022,700 1,022,700 1,036,700 1,073,700 Subordinate Loan
53 Modal Disetor 26,044,200 26,046,946 26,344,930 26,343,930 26,393,930 26,459,930 Paid in Capital
54 Agio Saham 1,680,567 1,680,567 1,697,130 1,698,130 1,623,130 1,623,130 Premium Stock
55 Saldo Laba 36,743,001 37,602,352 36,950,093 36,535,101 37,063,178 36,421,774 Retained Earning
56 Komponen Ekuitas Lainnya 9,457,807 9,348,810 9,356,789 9,523,707 9,684,869 10,011,322 Other Equity Components
57 Jumlah Ekuitas 73,925,575 74,678,675 74,348,943 74,100,868 74,765,107 74,516,156 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 200,462,962 201,245,087 199,930,542 201,494,378 199,906,666 202,466,340 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 5,314,514 5,120,413 5,085,772 5,150,337 5,628,382 5,755,092 Time Deposit
2 Sertifikat Deposito - - - - - - Certificate Of Deposit
3 Saham 463,485 469,140 457,429 457,834 450,524 460,216 Stocks
4 Obligasi Korporasi 2,581,170 2,507,093 2,492,817 2,574,520 2,416,928 2,375,521 Bonds
5 MTN 64,735 64,099 64,301 64,640 64,890 65,519 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 6,152,186 6,304,197 6,325,394 6,130,018 6,146,567 6,119,037 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 2,534,619 2,605,441 2,640,814 2,716,242 2,895,256 2,870,473 Mutual Fund
11 Efek Beragun Aset 10,130 10,114 9,098 9,129 9,162 8,621 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - Real Estate Investment Fund
13 REPO - - - - - - Repurchase Order
14 Penyertaan
Tanah, Langsung
Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, 952,484 951,729 953,512 958,443 965,076 968,412 Direct Investment
15 untuk Investasi 210,252 208,369 205,932 205,932 205,932 205,932 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 291 287 282 277 272 267 Mortgage
20 Pinjaman Polis* - - - - - - Policy Loan
21 Obligasi Daerah** - - - - - -
22 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - -
23 Investasi Lain 40,822 42,702 40,195 40,126 40,572 40,698 Other Investment
24 Jumlah Investasi 18,324,686 18,283,584 18,275,544 18,307,498 18,823,560 18,869,789 Total Investment
25 Kas dan Bank 59,866 140,093 164,266 93,698 102,576 131,388 Cash and Bank
26 Tagihan Premi Penutupan Langsung 752,171 918,745 937,822 957,404 852,963 834,155 Premium Receivable
27 Tagihan Premi Reasuransi 3,191,568 3,431,091 3,425,969 3,804,981 3,467,158 3,338,603 Reinsurance Premium Receivable
28 Aset Reasuransi 8,763,872 9,117,000 8,956,845 9,085,494 8,864,242 8,731,318 Reinsurance Asset
29 Tagihan Klaim Koasuransi - - - - - - Coinsurance Claim Receivable
30 Tagihan Klaim Reasuransi 705,901 710,749 771,291 705,299 622,163 662,415 Reinsurance Claim Receivable
31 Tagihan Investasi 21,563 2,504 38,845 2,869 25,113 2,504 Investment Receivable
32 Tagihan Hasil
Bangunan Investasi
dengan Hak Strata atau Tanah dengan Bangunan untuk 143,608 150,913 154,067 161,349 109,009 113,100 Investment Yield Receivable
33 Dipakai Sendiri 840,533 882,336 881,164 879,520 878,071 878,327 Property
34 Biaya Akuisisi yang Ditangguhkan - - - - - - Deferred Acquisition Cost
35 Aset Tetap Lain 51,130 50,413 49,407 52,099 56,660 55,465 Other Fixed Assets
36 Aset Lain 1,587,283 1,569,081 1,580,817 1,569,440 1,565,373 1,587,024 Other Assets
37 Jumlah Bukan Investasi 16,117,494 16,972,925 16,960,493 17,312,154 16,543,328 16,334,298 Total Non Investment
38 JUMLAH ASET 34,442,180 35,256,509 35,236,038 35,619,652 35,366,888 35,204,087 Total Assets
39 Utang Klaim 971,922 883,045 923,989 824,100 928,718 965,941 Claims Payable
40 Utang Koasuransi - - - - - - Coinsurance Payable
41 Utang Reasuransi 2,189,537 2,526,569 2,438,771 2,592,724 2,334,858 1,980,400 Reinsurance Payable
42 Utang Komisi 8,917 11,326 13,378 15,629 18,322 20,159 Commission Payable
43 Utang Pajak 5,594 4,285 19,767 11,503 14,971 55,015 Tax Payable
44 Biaya yang Masih Harus Dibayar 83,216 80,280 90,691 107,413 93,907 87,257 Accrued Expense
45 Utang Lain 732,057 743,456 717,531 665,714 621,339 478,469 Others Payable
46 Jumlah Utang 3,991,243 4,248,963 4,204,127 4,217,083 4,012,114 3,587,242 Total Payable
47 Cadangan Premi 3,013,844 3,277,280 3,233,259 3,232,910 3,380,330 3,005,846 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,085,258 4,361,069 4,421,138 4,431,931 4,488,345 4,383,940 Unearned Premium Reserve
49 Cadangan Klaim 14,770,985 14,753,915 14,606,971 14,811,424 14,460,376 15,004,172 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 250,773 250,814 219,166 220,170 218,015 213,649 Catastrophic Reserve
51 Jumlah Cadangan Teknis 22,120,859 22,643,078 22,480,534 22,696,435 22,547,067 22,607,607 Total Technical Reserve
52 Jumlah Liabilitas 26,112,102 26,892,041 26,684,661 26,913,518 26,559,181 26,194,849 Total Liabilities
53 Pinjaman Subordinasi 1,477,470 1,466,751 1,466,751 1,466,751 1,465,060 1,465,060 Subordinate Loan
54 Modal Disetor 2,951,634 2,951,634 2,951,634 2,951,634 2,951,634 2,951,634 Paid in Capital
55 Agio Saham 451,579 451,579 451,579 451,579 451,579 452,579 Premium Stock
56 Saldo Laba 3,839,130 3,885,185 4,016,030 4,099,362 4,127,334 4,292,771 Retained Earning
57 Komponen Ekuitas Lainnya (389,735) (390,682) (334,617) (263,192) (187,900) (152,805) Other Equity Components
58 Jumlah Ekuitas 6,852,607 6,897,716 7,084,625 7,239,382 7,342,647 7,544,179 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 34,442,180 35,256,509 35,236,038 35,619,652 35,366,888 35,204,087 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 90,128,566 80,653,311 75,841,194 82,430,529 90,163,258 89,363,693 Time Deposit
2 Saham 65,783,560 66,471,461 67,423,860 68,879,466 64,398,387 64,767,891 Stocks
3 Sukuk atau Obligasi 33,550,703 34,143,532 33,038,253 33,026,438 33,575,503 33,677,712 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 416,888,021 431,922,189 454,386,624 456,444,472 462,465,366 469,793,354 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 39,404,814 40,464,749 42,404,124 43,436,447 42,832,813 43,027,483 Mutual Fund
9 Efek Beragun Aset 128,756 128,480 115,593 109,568 109,647 98,758 Assets Backed Securities
10 Dana Investasi Real Estate - - - - - - Real Estate Investment Fund
11 Penyertaan Langsung 350,320 350,320 350,320 350,320 350,320 350,320 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 2,039,380 2,039,358 2,039,380 2,039,680 2,039,622 2,039,563 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 Obligasi Daerah - - - - - - Other Investment
17 Investasi Lain - - - - - - Total Investment
17 Total Investasi 648,274,120 656,173,400 675,599,347 686,716,921 695,934,916 703,118,774 Total Non Investment
18 Total Non Investasi 118,854,774 119,162,715 106,092,181 107,850,764 105,142,331 109,590,298 Total Assets
19 Total Aset 767,128,894 775,336,115 781,691,528 794,567,685 801,077,247 812,709,072 Total Liabilty
20 Total Liabilitas 58,587,130 58,880,381 59,705,527 59,270,157 58,993,946 60,368,200 Total Equity
21 Total Ekuitas dan Aset Neto 708,541,765 716,455,733 721,986,002 735,297,524 742,083,300 752,340,873 Total Equity and Net Assets
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Posisi Keuangan / Statement Of Financial Position

Asuransi ASN, TNI/POLRI, Kecelakaan Penumpang Umum dan Lalu Lintas Jalan / Insurance Program for Civil Servants, Armed Forced/Police, and Public Transportation Passenger and Road Traffic Accident
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 13,476,733 13,144,047 13,499,631 16,153,651 16,223,552 15,300,978 Time Deposit
2 Saham 9,270,634 9,377,236 8,911,538 8,186,775 8,127,000 8,483,417 Stocks
3 Sukuk atau Obligasi 19,333,644 19,288,842 19,256,045 19,061,613 18,897,522 18,650,095 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 61,010,524 61,532,922 61,472,384 61,116,103 61,235,993 61,797,912 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 21,818,560 21,665,831 21,319,262 20,814,766 21,527,283 23,103,485 Mutual Fund
9 Efek Beragun Aset 733,912 731,923 706,306 688,390 690,936 668,093 Assets Backed Securities
10 Dana Investasi Real Estate 106,110 104,800 104,800 104,800 94,320 104,800 Real Estate Investment Fund
11 Penyertaan Langsung 6,249,073 6,257,078 6,350,094 6,447,833 6,553,862 6,616,192 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 531,909 530,381 523,552 522,057 520,561 519,066 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 102,452 393,688 392,215 417,715 417,715 416,242 Other Investment
17 Total Investasi 132,633,552 133,026,748 132,535,828 133,513,704 134,288,744 135,660,280 Total Investment
18 Total Non Investasi 30,089,700 30,027,980 30,685,912 30,319,097 30,079,379 30,377,976 Total Non Investment
19 Total Aset 162,723,252 163,054,728 163,221,740 163,832,801 164,368,123 166,038,256 Total Assets
20 Total Liabilitas 142,219,663 142,724,265 142,919,060 125,784,437 125,724,054 126,452,284 Total Liabilty
21 Total Ekuitas 20,503,588 20,330,463 20,302,680 38,048,364 38,644,069 39,585,972 Total Equity
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 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 13,866,593 26,774,713 39,729,665 51,161,722 63,750,258 75,958,122 Premium Income
2 Premi Reasuransi 794,989 1,223,096 1,659,087 1,974,969 2,348,993 2,715,921 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (1,410,458) (1,344,760) (1,021,897) (2,125,640) (1,864,172) (1,630,654) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 11,661,146 24,206,858 37,048,682 47,061,113 59,537,093 71,611,547 Total Net Premium Income
5 Hasil Investasi 2,136,341 3,156,167 5,773,786 8,948,172 10,891,321 15,927,871 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 45,932 91,141 138,289 183,819 227,834 269,879 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 337,580.06 535,070 997,950 1,127,841 1,458,042 1,660,394 Other Revenue
8 Jumlah Pendapatan 14,180,999 27,989,236 43,958,707 57,320,945 72,114,290 89,469,691 Total Revenue
9 Klaim dan Manfaat Dibayar 5,269,866 10,605,588 16,096,365 20,716,166 26,280,846 30,980,878 Claim and Benefit Paid
10 Klaim Penebusan Unit 6,215,633 13,354,134 21,178,071 26,769,699 33,563,035 40,211,843 Unit Redemption Claim
11 Klaim Reasuransi 475,279 911,915 1,323,407 1,620,091 1,987,437 2,361,688 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi (655,192) (1,073,310) 217,191 1,543,970 2,911,783 5,321,475 Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim 183,827 291,064 598,106 584,162 631,361 757,478 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana (836) 13,041 18,287 15,455 25,915 19,648 Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 10,538,018 22,278,603 36,784,611 48,009,362 61,425,503 74,929,635 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 548,289 1,092,243 1,721,808 2,240,842 2,843,403 3,428,819 First Year Commision
17 Beban Komisi - Tahun Lanjutan 272,563 518,951 742,931 960,025 1,199,510 1,416,206 Renewal Commision
18 Beban Komisi - Overriding 291,555 559,147 822,941 1,088,262 1,474,585 1,814,974 Overriding Commmision
19 Beban Lainnya 406,393 802,938 1,283,467 1,697,532 2,161,158 2,628,951 Other Expenses
20 Jumlah Biaya Akuisisi 1,518,800 2,973,279 4,571,147 5,986,661 7,678,656 9,288,950 Total Acquisition Cost
21 Jumlah Beban Asuransi 12,056,819 25,251,882 41,355,758 53,996,023 69,104,159 84,218,585 Total Insurance Expenses
22 Beban Pemasaran 152,654 316,374 475,274 572,395 764,092 897,735 Marketing Expenses
23 Beban Pegawai dan Pengurus 695,792 1,386,804 2,125,140 2,935,066 3,633,131 4,329,884 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 11,363 29,037 47,608 62,097 79,316 97,088 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 835,914 1,437,549 2,018,709 2,912,188 3,472,467 4,028,397 Other General And Administration Expenses
26 Beban Manajemen 14,803 27,748 42,115 56,265 71,943 86,515 Management Expenses
27 Beban Mortalitas 42,001 78,667 109,995 148,208 193,399 225,764 Mortality Expenses
28 Beban Usaha Lainnya 344,442 300,599 488,340 616,077 684,859 762,060 Other Operating Expenses
29 Jumlah Beban Usaha 2,096,970 3,576,778 5,307,180 7,302,295 8,899,207 10,427,443 Total Operating Expenses
30 Jumlah Beban 14,153,789 28,828,660 46,662,938 61,298,318 78,003,366 94,646,028 Total Expenses
31 Kenaikan (Penurunan) Nilai Aset* (833,729) (2,928,367) (4,643,019) (5,790,074) (8,213,900) (7,726,699) Increase (decrease) in Asset Value
32 Laba (Rugi) Sebelum Pajak 860,939 2,088,943 1,938,788 1,812,701 2,324,825 2,550,362 Income (Loss) Before Tax
33 Pajak Penghasilan 258,070 393,441 421,762 644,113 671,086 718,283 Taxes
34 Laba (Rugi) Setelah Pajak 602,869 1,695,502 1,517,026 1,168,589 1,653,739 1,832,078 Income (Loss) After Tax
35 Pendapatan Komprehensif Lain 1,341,664 765,654 1,236,388 1,915,346 3,019,857 3,634,222 Other Comprehensif Income
36 Total Laba (Rugi) Komprehensif 1,944,533 2,461,156 2,753,414 3,083,935 4,673,596 5,466,301 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 10,617,811 17,428,249 24,809,489 32,327,495 38,622,213 47,138,992 Direct Premium
2 Premi Penutupan Tidak Langsung 255,729 563,959 989,435 1,147,876 1,449,417 1,822,053 Indirect Premium
3 Jumlah Pendapatan Premi 10,873,541 17,992,207 25,798,924 33,475,371 40,071,630 48,961,045 Total Premium Income
4 Komisi Dibayar 1,139,960 2,081,501 3,388,941 4,329,296 5,081,110 6,124,194 Commission Paid
5 Jumlah Premi Bruto 9,733,581 15,910,707 22,409,983 29,146,075 34,990,520 42,836,851 Total Gross Premium
6 Premi Reasuransi Dibayar 4,646,752 7,672,310 10,682,622 14,021,129 16,588,939 21,062,670 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 601,580 1,079,492 1,621,619 2,089,801 2,539,628 3,245,958 Reinsurance Commission
8 Jumlah Premi Reasuransi 4,045,172 6,592,818 9,061,003 11,931,328 14,049,311 17,816,712 Total Reinsurance Premium
9 Premi Netto 5,688,409 9,317,889 13,348,980 17,214,747 20,941,208 25,020,139 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi 290,741 384,997 356,494 189,632 326,746 (8,316) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (1,622,140) (1,576,864) (1,699,089) (1,698,331) (1,581,163) (1,443,123) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (146) (1,129) (500) 1,240 929 (7,205) Decrease
Total (Increase)
Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (1,331,545) (1,192,996) (1,343,095) (1,507,458) (1,253,488) (1,458,644) Premium Reserve
14 Jumlah Pendapatan Premi Neto 4,356,864 8,124,892 12,005,885 15,707,288 19,687,720 23,561,496 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 8,344 13,036 19,867 22,914 30,143 39,962 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 4,365,208 8,137,929 12,025,752 15,730,202 19,717,863 23,601,458 Underwriting Income
17 Klaim Bruto 3,277,948 6,358,462 9,872,759 12,264,458 16,011,137 20,210,482 Gross Claims
18 Klaim Reasuransi 1,052,323 2,030,947 3,218,095 3,865,709 5,304,245 7,041,623 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 407,528 801,279 1,109,247 1,412,448 1,184,162 1,403,575 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 2,633,152 5,128,794 7,763,910 9,811,197 11,891,054 14,572,434 Total Claim Expenses
21 Beban Underwriting Lain Neto (10,295) 11,434 (8,188) 22,903 (55,749) (176,400) Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 2,622,858 5,140,228 7,755,722 9,834,100 11,835,305 14,396,034 Total Underwriting Expenses
23 Hasil Underwriting 1,742,351 2,997,701 4,270,029 5,896,102 7,882,559 9,205,424 Underwriting Result
24 Hasil Investasi 312,966 626,409 1,102,363 1,454,883 2,017,336 2,495,447 Investment Yield
25 Beban Pemasaran 251,440 525,325 823,399 1,092,822 1,393,489 1,665,418 Marketing Expenses
26 Beban Pegawai dan Pengurus 495,826 998,796 1,527,502 2,228,001 2,772,589 3,451,125 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 17,489 47,631 69,471 112,930 138,871 171,624 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 381,485 770,830 1,183,618 1,591,988 2,005,863 2,400,195 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - - Personal Accident Estimation related Cost
30 Biaya Manajemen 91 133 300 313 312.4 306.8 Management Cost
31 Jumlah Beban Usaha 1,146,331 2,342,715 3,604,291 5,026,053 6,311,124 7,688,669 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 908,985 1,281,395 1,768,101 2,324,932 3,588,770 4,012,203 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (135,667) 913,818 974,085 832,955 675,380 646,908 Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 773,318 2,195,213 2,742,187 3,157,887 4,264,150 4,659,110 Income (Loss) Before Tax
35 Pajak Penghasilan 70,472 310,698 401,823 420,730 541,274 574,337 Taxes
36 Laba Setelah Pajak 702,846 1,884,515 2,340,363 2,737,158 3,722,876 4,084,773 Income After Tax
37 Pendapatan Komprehensif Lain 286,659 269,266 (113,079) (14,469) 110,227 393,610 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 989,504 2,153,781 2,227,285 2,722,689 3,833,102 4,478,383 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 - - - - - 0 Direct Premium
2 Premi Penutupan Tidak Langsung 3,196,215 4,953,331 6,527,242 8,462,644 10,596,752 12,570,161 Indirect Premium
3 Jumlah Pendapatan Premi 3,196,215 4,953,331 6,527,242 8,462,644 10,596,752 12,570,161 Total Premium Income
4 Komisi Dibayar 274,647 601,132 893,268 1,212,386 1,647,592 2,035,863 Commission Paid
5 Jumlah Premi Bruto 2,921,567 4,352,199 5,633,973 7,250,258 8,949,160 10,534,298 Total Gross Premium
6 Premi Reasuransi Dibayar 2,222,149 2,938,126 3,547,640 4,412,597 5,084,850 5,808,079 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 53,344 90,503 135,328 171,111 214,674 266,532 Reinsurance Commission
8 Jumlah Premi Reasuransi 2,168,804 2,847,624 3,412,312 4,241,486 4,870,176 5,541,547 Total Reinsurance Premium
9 Premi Netto 752,763 1,504,575 2,221,661 3,008,772 4,078,984 4,992,752 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (24,015) (54,633) (47,665) (70,837) (116,323) 129,468 Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP 116,323 12,222 34,174 49,305 (218,018) 109,249 Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) (138) (179) (456) (506) (541) (584) Decrease (Increase) In Catastrophic Reserve
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP 92,169 (42,590) (13,946) (22,038) (334,881) 238,134 Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 844,933 1,461,985 2,207,715 2,986,734 3,744,103 5,230,885 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 26 26 899 576 26 49 Nett Other Underwriting Income
16 Pendapatan Underwriting 844,959 1,462,011 2,208,614 2,987,310 3,744,128 5,230,934 Underwriting Income
17 Klaim Bruto 1,077,487 1,876,483 2,769,108 3,486,000 4,697,719 5,739,961 Gross Claims
18 Klaim Reasuransi 596,206 821,319 1,179,274 1,310,849 1,564,193 1,801,929 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 165,632 174,804 209,528 304,792 53,009 594,862 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 646,913 1,229,969 1,799,362 2,479,943 3,186,536 4,532,894 Total Claim Expenses
21 Beban Underwriting Lain Neto 1,031 1,249 227 285 1,874 3,025 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 647,944 1,231,217 1,799,590 2,480,228 3,188,409 4,535,919 Total Underwriting Expenses
23 Hasil Underwriting 197,015 230,794 409,024 507,082 555,719 695,015 Underwriting Result
24 Hasil Investasi 31,294 110,658 166,087 231,485 335,722 430,221 Investment Yield
25 Beban Pemasaran 427 1,300 2,589 3,738 4,893 7,029 Marketing Expenses
26 Beban Pegawai dan Pengurus 31,593 72,183 113,344 164,482 210,875 258,586 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 397 961 1,646 1,505 2,039 2,466 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 13,968 29,537 46,520 64,606 86,733 104,691 Other General And Administration Expenses
29 Biaya Terkait Estimasi Kecelakaan Diri - - - - - 0 Personal Accident Estimation related Cost
30 Biaya Manajemen - - - - - 0 Management Cost
31 Jumlah Beban Usaha 46,384 103,982 164,099 234,331 304,540 372,772 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 181,924 237,470 411,012 504,236 586,901 752,465 Income (Loss) Insurance Business
33 Hasil (Beban) Lain (42,381) (33,735) (61,511) (72,687) (86,937) (92,108) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 139,544 203,735 349,500 431,549 499,964 660,357 Income (Loss) Before Tax
35 Pajak Penghasilan (34,105) (1,191) (9,158) 11,680 14,348 (10,954) Taxes
36 Laba Setelah Pajak 173,648 204,926 358,658 419,868 485,616 671,311 Income After Tax
37 Pendapatan Komprehensif Lain 62,919 3,841 39,136 109,250 181,002 201,499 Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 236,567 208,768 397,794 529,118 666,618 872,810 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 19,364,159 39,397,422 60,077,535 80,672,863 102,053,983 122,875,107 Gross Premium
2 Klaim Bruto 15,220,713 30,712,370 47,571,200 62,697,858 79,501,884 96,721,550 Gross Claim
 Dalam Jutaan Rupiah / In Millions Rupiah

Laporan Laba Rugi Komprehensif /Comprehensive Income Statement

Asuransi ASN, TNI/POLRI, Kecelakaan Penumpang Umum dan Lalu Lintas Jalan / Insurance Program for Civil Servants, Armed Forced/Police, and Public
No Akun
Januari/
January
Februari/
February
Maret/
March
April/
April
Transportation
Mei/
May
Juni/ Passenger
June
Juli/ and Road
July
Agustus Traffic
August
/ Accident Oktober/
September/
September October
November/
November
Desember/
December
Account

1 Premi Bruto 988,098 1,931,929 2,902,902 3,649,415 4,610,744 5,766,851 Gross Premium
2 Klaim Bruto 2,536,621 3,938,547 5,240,634 6,602,365 8,183,336 9,423,339 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 ASN, TNI/POLRI, Kecelakaan Merupakan program asuransi yang dijalankan oleh PT. ASABRI
Penumpang Umum dan Lalu Lintas Jalan (Persero), PT. Taspen (Persero) dan PT. Jasa Raharja (Persero)
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 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
Insurance Program for Civil Servants,
Armed Forced/Police, and Public
Transportation Passenger and Road
Traffic Accident
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 Total premi reasuransi dibagi total premi bruto. Rasio ini Cession Ratio Total reinsurance premium divided by total gross premium.
digunakan untuk mengetahui seberapa besar premi asuransi This ratio shows how much premium from general insurance
umum yang disesikan ke perusahaan reasuransi. transfer to reinsurance companies.

Rasio Investasi terhadap Cadangan Investment to Gross Technical Reserve Total investment divided by total technical reserve. This ratio
Teknis Ratio shows the endurance of companies investment to cover
Total investasi dibagi total cadangan teknis. Rasio ini liability to the policy holder. Liability to policy holder shows in
digunakan untuk mengetahui seberapa besar ketahanan technical reserve.
invetasi perusahaan dalam memenuhi kewajiban kepada
pemegang polis. Kewajiban kepada pemegang polis tercermin
dalam cadangan teknis.