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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

Desember 2022
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 1,320,864,196 1,337,118,206 1,345,575,131 1,366,369,989 1,366,644,371 1,360,599,011 - - - - - - Total Investment
Total Bukan Investasi 283,212,917 289,330,522 292,100,423 297,098,353 298,195,690 315,162,069 - - - - - - Total Non Investment
Total Aset 1,604,077,113 1,626,448,728 1,637,675,554 1,663,468,342 1,664,840,060 1,675,761,080 - - - - - - Total Assets

Total Liabilitas 818,604,122 824,446,047 824,051,172 831,065,098 828,701,164 831,485,805 - - - - - - Total Liabilities
Total Pinjaman Subordinasi 2,119,134 2,126,482 2,126,464 2,258,201 2,256,640 2,256,673 - - - - - - Total Subordinate Loan
Total Ekuitas 783,353,857 799,876,199 811,497,918 830,145,043 833,882,257 842,018,603 - - - - - - Total Equities

Premi* 45,524,291 86,684,697 133,829,314 175,477,135 217,730,688 265,961,440 - - - - - - Premium

Klaim 30,153,173 59,659,778 95,020,827 126,935,983 152,669,657 186,385,931 - - - - - - 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 120.0% 108.9% 108.8% 107.7% 110.7% 110.6% - - - - - - Premium Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 107.2% 97.6% 97.8% 96.5% 98.6% 98.8% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 105.3% 121.3% 134.3% 134.4% 130.2% 116.3% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio

Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 94.0% 108.7% 120.6% 120.4% 116.0% 103.9% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio

Rasio Sesi Asuransi 4.7% 4.4% 3.7% 3.7% 3.6% 3.5% - - - - - - Cession Ratio

Rasio Investasi terhadap Cadangan Teknis 112.2% 112.5% 112.1% 114.3% 113.7% 116.0% - - - - - - Investment to Gross Technical Reserve Ratio

Rasio Asuransi Umum

Rasio Kecukupan Premi terhadap Pembayaran Klaim 354.7% 269.2% 246.1% 234.4% 252.0% 258.9% - - - - - - Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 253.6% 194.8% 182.0% 171.7% 181.6% 186.5% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 364.5% 279.7% 257.2% 245.0% 263.8% 270.6% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 260.6% 202.4% 190.3% 179.4% 190.1% 194.9% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 45.3% 43.1% 43.3% 45.4% 48.2% 48.1% - - - - - - Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 99.6% 101.6% 102.5% 103.3% 103.4% 97.7% - - - - - - Investment to Gross Technical Reserve Ratio

Rasio Reasuransi
Rasio Kecukupan Premi terhadap Pembayaran Klaim 263.9% 215.3% 252.3% 224.9% 212.8% 208.4% - - - - - - Premium Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum 251.0% 204.1% 239.9% 213.7% 202.7% 198.7% - - - - - - Premium Adequacy to Claim Paid and General Expenses Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim 272.2% 224.4% 261.9% 233.3% 220.7% 215.6% - - - - - - Premium and Investment Yield Adequacy to Claim Paid Ratio
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya Umum 258.9% 212.8% 248.9% 221.8% 210.2% 205.5% - - - - - - Premium and Investment Yield Adequacy to Claim Paid and General Expenses Ratio
Rasio Sesi Asuransi 48.5% 46.7% 55.5% 49.9% 48.4% 48.7% - - - - - - Cession Ratio
Rasio Investasi terhadap Cadangan Teknis 94.6% 93.8% 92.9% 91.6% 90.1% 85.7% - - - - - - 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 39,901,870 35,689,283 30,442,396 32,853,684 37,969,678 42,135,390 Time Deposit
2 Sertifikat Deposito - - - - - - Certificate Of Deposit
3 Saham 139,253,252 139,770,258 137,399,627 145,258,109 143,634,518 137,316,245 Stocks
4 Obligasi Korporasi 26,774,745 26,569,997 29,007,768 30,456,668 30,084,537 29,661,479 Bonds
5 MTN 8,963,319 8,463,552 7,709,930 7,452,781 7,477,114 8,508,495 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 105,147,511 111,757,789 118,374,838 116,154,280 116,504,850 118,051,612 Marketable Securities Issued By Republic Indonesia
Surat Berharga yang Diterbitkan oleh Negara Selain 624,735 622,391 615,633 629,022 638,586 644,697
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 160,962,624 162,042,234 162,846,980 154,584,134 148,319,772 142,065,327 Mutual Fund
11 Efek Beragun Aset 315,410 313,322 294,674 293,101 293,118 276,302 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat 13,206 13,115 13,390 14,400 14,203 12,641 Real Estate Investment Fund
13 REPO - - - - - - Repurchase Order
14 Penyertaan Langsung 14,101,928 14,733,531 14,082,734 23,049,289 21,341,964 21,749,403 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan 16,644,163 16,231,267 16,253,490 17,240,926 15,538,217 15,560,787 Buildings With Strata Title or Real Estate For Investment
Pembiayaan Melalui Kerjasama dengan Pihak Lain 351,101 351,101 351,101 351,101 351,101 351,101
16 (Executing) Executing
17 Emas Murni - - - - - - Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 118,951 122,434 121,336 119,840 121,189 120,509 Mortgage
19 Pinjaman Polis* 2,167,161 2,178,460 2,184,065 2,209,785 2,228,642 2,257,660 Policy Loan
20 Obligasi Daerah** - - - - - -
Dana Investasi Infrastruktur Berbentuk Kontrak 249,697 249,697 249,697 240,611 237,371 237,371
21 Investasi Kolektif **
22 Investasi Lain 1,099,087 1,238,678 1,337,189 1,469,711 1,606,887 1,737,798 Other Investment
23 Jumlah Investasi 516,688,759 520,347,110 521,284,848 532,377,441 526,361,749 520,686,816 Total Investment
24 Kas dan Bank 13,006,321 11,093,385 11,914,275 12,389,646 12,897,039 15,446,694 Cash and Bank
25 Tagihan Premi Penutupan Langsung 5,037,328 5,320,859 4,447,591 4,896,580 4,556,213 4,057,344 Premium Receivable
26 Tagihan Premi Reasuransi 987 1,124 1,240 913 935 1,028 Reinsurance Premium Receivable
27 Aset Reasuransi 4,423,535 4,347,296 4,378,442 4,365,130 4,330,284 4,164,936 Reinsurance Asset
28 Tagihan Klaim Koasuransi 65,622 61,959 47,496 49,646 52,463 56,849 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 5,551,983 5,575,471 5,521,644 5,658,823 5,619,378 5,626,272 Reinsurance Claim Receivable
30 Tagihan Investasi 160,035 678,885 260,520 723,154 457,110 589,138 Investment Receivable
31 Tagihan Hasil Investasi 3,007,084 3,291,232 4,762,562 3,285,381 3,014,711 3,593,935 Investment Yield Receivable
Bangunan dengan Hak Strata atau Tanah dengan 6,568,853 5,627,621 5,616,444 5,782,809 5,617,182 5,608,548
32 Bangunan untuk Dipakai Sendiri Property
33 Biaya Akuisisi yang Ditangguhkan 886,652 881,576 910,894 927,472 800,937 825,477 Deferred Acquisition Cost
34 Aset Tetap Lain 2,664,950 2,630,870 2,632,822 2,593,555 2,515,070 2,582,085 Other Fixed Assets
35 Aset Lain 28,635,491 29,024,174 29,706,821 30,187,136 29,786,110 36,248,142 Other Assets
36 Jumlah Bukan Investasi 70,008,842 68,534,451 70,200,750 70,860,243 69,647,435 78,800,450 Total Non Investment
37 JUMLAH ASET 586,697,602 588,881,561 591,485,598 603,237,684 596,009,183 599,487,266 Total Assets
38 Utang Klaim 21,060,733 21,653,576 22,153,284 22,641,049 22,711,613 26,917,277 Claims Payable
39 Utang Koasuransi 20,419 20,215 21,283 24,452 24,307 24,057 Coinsurance Payable
40 Utang Reasuransi 3,740,038 3,958,690 3,925,370 4,081,304 4,067,595 4,154,083 Reinsurance Payable
41 Utang Komisi 2,168,316 1,871,000 2,118,749 1,719,942 1,820,193 1,840,801 Commission Payable
42 Utang Pajak 739,387 835,172 979,843 794,753 735,820 723,335 Tax Payable
43 Biaya yang Masih Harus Dibayar 5,478,129 5,640,728 5,230,258 4,612,465 4,735,915 4,827,991 Accrued Expense
44 Utang Lain 16,345,908 16,570,835 15,478,924 17,552,797 16,477,112 18,744,096 Others Payable
45 Jumlah Utang 49,552,931 50,550,215 49,907,711 51,426,762 50,572,555 57,231,640 Total Payable
46 Cadangan Premi 448,499,395 450,463,631 453,334,843 453,407,988 450,355,426 436,284,292 Premium Reserve
Cadangan Atas Premi Yang Belum Merupakan 4,803,255 4,615,330 4,444,451 4,945,250 4,990,958 4,903,809
47 Pendapatan Unearned Premium Reserve
48 Cadangan Klaim 7,276,764 7,235,665 7,250,555 7,384,998 7,353,944 7,574,895 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 67,505 70,488 71,448 72,526 75,026 79,573 Catastrophic Reserve
50 Jumlah Cadangan Teknis 460,646,919 462,385,115 465,101,297 465,810,762 462,775,355 448,842,569 Total Technical Reserve
51 Jumlah Liabilitas 510,199,850 512,935,330 515,009,008 517,237,525 513,347,910 506,074,209 Total Liabilities
52 Pinjaman Subordinasi 1,385 1,385 1,385 1,385 1,385 1,385 Subordinate Loan
53 Modal Disetor 54,975,706 54,998,706 55,024,261 55,024,261 55,164,261 68,112,261 Paid in Capital
54 Agio Saham 23,671,213 23,671,213 24,415,658 24,415,658 24,415,658 24,415,658 Premium Stock
55 Saldo Laba (40,431) 842,731 2,068,116 2,666,009 1,890,210 989,694 Retained Earning
56 Komponen Ekuitas Lainnya (2,110,121) (3,567,805) (5,032,830) 3,892,846 1,189,759 (105,941) Other Equity Components
57 Jumlah Ekuitas 76,496,367 75,944,845 76,475,205 85,998,774 82,659,888 93,411,672 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 586,697,601 588,881,561 591,485,598 603,237,684 596,009,183 599,487,266 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 24,497,009 23,059,768 23,091,893 22,378,062 22,504,272 23,398,968 Time Deposit
2 Sertifikat Deposito 179,340 175,054 174,735 136,766 136,297 132,377 Certificate Of Deposit
3 Saham 5,762,558 5,889,726 6,098,104 5,915,687 5,750,589 5,249,730 Stocks
4 Obligasi Korporasi 8,174,516 8,429,561 9,416,671 9,410,076 9,289,571 8,852,365 Bonds
5 MTN 365,702 260,751 260,891 271,174 271,147 269,395 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 18,425,133 20,812,234 20,960,684 21,163,421 21,749,691 23,017,782 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 - - Marketable Securities Issued By Multinational Institution
10 Reksa Dana 20,617,555 20,217,991 19,440,214 19,218,709 18,785,582 18,483,172 Mutual Fund
11 Efek Beragun Aset 36,952 36,915 36,103 35,809 35,748 34,789 Collective Investment Contract-Assets Backed Securities
12 Dana Investasi Real Estat - - - - - - Real Estate Investment Fund
13 REPO - - - - - - Repurchase Order
14 Penyertaan Langsung 9,035,748 8,979,211 8,987,710 9,032,174 9,140,842 8,956,074 Direct Investment
15 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Inve 960,680 960,763 960,195 959,674 959,999 959,477 Buildings With Strata Title or Real Estate For Investment
16 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 190,000 190,000 190,000 190,000 180,000 180,000 Executing
17 Emas Murni 145 134 135 133 134 135 Gold
18 Pinjaman yang Dijamin dengan Hak Tanggungan 53,205 52,658 50,494 50,333 50,253 47,352 Mortgage
19 Pinjaman Polis* - - - - - - Policy Loan
20 Obligasi Daerah** - - - - - -
21 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - -
22 Investasi Lain 422,240 422,091 422,036 421,776 421,512 421,265 Other Investment
23 Jumlah Investasi 88,725,784 89,491,858 90,094,865 89,188,793 89,275,637 90,002,882 Total Investment
24 Kas dan Bank 4,436,406 4,861,969 5,228,508 5,223,172 5,530,523 5,610,341 Cash and Bank
25 Tagihan Premi Penutupan Langsung 22,245,262 21,874,836 22,204,830 22,977,774 22,399,926 22,645,974 Premium Receivable
26 Tagihan Premi Reasuransi 2,374,178 3,716,325 3,280,828 3,430,911 3,508,549 3,176,613 Reinsurance Premium Receivable
27 Aset Reasuransi 49,433,934 48,241,907 47,697,193 46,599,959 46,587,177 51,835,818 Reinsurance Asset
28 Tagihan Klaim Koasuransi 931,201 839,256 804,673 833,036 819,417 1,008,884 Coinsurance Claim Receivable
29 Tagihan Klaim Reasuransi 4,359,624 5,021,371 5,241,736 5,276,487 4,762,526 4,415,744 Reinsurance Claim Receivable
30 Tagihan Investasi 3,909 3,218 5,822 4,544 6,175 42,278 Investment Receivable
31 Tagihan Hasil Investasi 361,785 478,793 444,433 440,474 395,797 414,151 Investment Yield Receivable
Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai 2,687,007 2,669,817 2,681,109 2,740,296 2,745,188 3,896,989
32 Sendiri Property
33 Biaya Akuisisi yang Ditangguhkan 34,355 41,318 37,433 36,750 34,826 35,070 Deferred Acquisition Cost
34 Aset Tetap Lain 1,158,293 1,151,023 1,126,235 1,125,428 1,106,578 1,087,048 Other Fixed Assets
35 Aset Lain 12,611,901 12,799,308 12,802,271 12,843,135 12,566,025 12,447,451 Other Assets
36 Jumlah Bukan Investasi 100,637,856 101,699,139 101,555,070 101,531,967 100,462,707 106,616,361 Total Non Investment
37 JUMLAH ASET 189,363,640 191,190,997 191,649,935 190,720,760 189,738,344 196,619,243 Total Assets
38 Utang Klaim 1,345,062 2,235,180 2,255,252 1,707,369 1,572,220 1,580,037 Claims Payable
39 Utang Koasuransi 1,051,239 906,274 1,098,109 1,313,463 1,188,707 1,126,672 Coinsurance Payable
40 Utang Reasuransi 9,995,460 10,451,527 10,132,706 10,679,371 10,586,750 10,700,583 Reinsurance Payable
41 Utang Komisi 2,207,994 2,233,696 2,200,956 2,320,606 2,302,453 2,205,955 Commission Payable
42 Utang Pajak 1,247,018 1,414,941 1,447,199 1,166,827 990,422 1,060,811 Tax Payable
43 Biaya yang Masih Harus Dibayar 5,021,937 3,257,279 2,972,502 2,821,181 2,857,221 2,848,739 Accrued Expense
44 Utang Lain 10,090,871 12,571,340 13,118,819 14,387,013 13,868,206 14,800,002 Others Payable
45 Jumlah Utang 30,959,580 33,070,237 33,225,543 34,395,830 33,365,979 34,322,800 Total Payable
46 Cadangan Premi 24,163,033 24,073,646 24,300,181 24,605,295 24,975,744 25,179,322 Premium Reserve
47 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 19,980,358 19,444,552 20,027,260 20,057,243 20,224,271 23,053,400 Unearned Premium Reserve
48 Cadangan Klaim 44,874,484 44,482,590 43,513,515 41,577,868 41,072,123 43,831,562 Claim Reserve
49 Cadangan atas Risiko Bencana (Catastrophic) 86,052 89,291 86,775 93,011 93,058 93,097 Catastrophic Reserve
50 Jumlah Cadangan Teknis 89,103,927 88,090,078 87,927,731 86,333,417 86,365,197 92,157,381 Total Technical Reserve
51 Jumlah Liabilitas 120,063,506 121,160,315 121,153,274 120,729,246 119,731,176 126,480,180 Total Liabilities
52 Pinjaman Subordinasi 724,700 732,048 732,029 731,922 732,052 732,085 Subordinate Loan
53 Modal Disetor 25,421,562 25,421,562 25,428,642 25,422,642 25,427,642 25,508,078 Paid in Capital
54 Agio Saham 1,758,361 1,758,335 1,766,239 2,016,239 2,006,961 2,006,961 Premium Stock
55 Saldo Laba 32,857,740 33,313,677 33,868,518 33,667,459 33,933,733 33,529,035 Retained Earning
56 Komponen Ekuitas Lainnya 8,537,770 8,805,060 8,701,233 8,153,252 7,906,779 8,362,903 Other Equity Components
57 Jumlah Ekuitas 68,575,433 69,298,635 69,764,632 69,259,592 69,275,116 69,406,978 Total Equities
58 JUMLAH LIABILITAS DAN EKUITAS 189,363,640 191,190,997 191,649,935 190,720,760 189,738,344 196,619,243 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 4,878,217 4,775,378 5,069,464 5,093,545 5,110,794 4,964,112 Time Deposit
2 Sertifikat Deposito - - - - - - Certificate Of Deposit
3 Saham 382,146 377,643 332,663 347,690 330,223 349,372 Stocks
4 Obligasi Korporasi 2,501,391 2,554,619 2,636,726 2,642,761 2,654,345 2,526,051 Bonds
5 MTN 39,611 39,685 39,589 34,361 34,043 34,018 Medium Term Note
6 Surat Berharga yang Diterbitkan oleh Negara RI 4,852,923 5,025,211 5,138,627 5,261,759 5,375,637 5,615,308 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 3,599,885 3,524,570 2,894,914 2,987,086 2,897,840 2,756,448 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
Tanah, Langsung
Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, 909,915 914,316 915,033 923,297 923,290 926,546 Direct Investment
15 untuk Investasi 205,521 205,521 206,021 206,087 206,087 206,416 Buildings With Strata Title or Real Estate For Investment
17 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 20,000 20,000 20,000 20,000 20,000 20,000 Executing
18 Emas Murni - - - - - - Gold
19 Pinjaman yang Dijamin dengan Hak Tanggungan 348 343 338 334 329 324 Mortgage
20 Pinjaman Polis* - - - - - - Policy Loan
21 Obligasi Daerah** - - - - - -
22 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif ** - - - - - -
23 Investasi Lain 39,122 39,406 43,987 43,943 43,846 40,942 Other Investment
24 Jumlah Investasi 17,429,080 17,476,692 17,297,362 17,560,863 17,596,433 17,439,538 Total Investment
25 Kas dan Bank 116,652 273,247 534,785 337,749 348,472 954,285 Cash and Bank
26 Tagihan Premi Penutupan Langsung 819,479 818,100 754,263 741,311 735,255 697,589 Premium Receivable
27 Tagihan Premi Reasuransi 3,117,683 3,098,006 3,405,092 3,403,396 3,658,295 3,483,016 Reinsurance Premium Receivable
28 Aset Reasuransi 6,974,423 7,238,389 7,105,522 7,235,212 7,428,332 8,406,748 Reinsurance Asset
29 Tagihan Klaim Koasuransi - - - - - - Coinsurance Claim Receivable
30 Tagihan Klaim Reasuransi 445,385 456,406 378,694 478,110 618,989 574,899 Reinsurance Claim Receivable
31 Tagihan Investasi 4,325 8,235 3,295 30,883 8,886 3,117 Investment Receivable
32 Tagihan
Bangunan Hasil Investasi
dengan Hak Strata atau Tanah dengan Bangunan untuk 123,693 132,462 140,403 151,362 106,383 113,939 Investment Yield Receivable
33 Dipakai Sendiri 839,202 836,108 836,173 835,150 835,600 834,205 Property
34 Biaya Akuisisi yang Ditangguhkan - - - - - - Deferred Acquisition Cost
35 Aset Tetap Lain 49,827 44,081 44,063 40,865 39,261 39,245 Other Fixed Assets
36 Aset Lain 1,095,950 1,090,258 993,785 1,140,818 1,151,613 1,188,303 Other Assets
37 Jumlah Bukan Investasi 13,586,618 13,995,292 14,196,076 14,394,857 14,931,085 16,295,345 Total Non Investment
38 JUMLAH ASET 31,015,697 31,471,984 31,493,438 31,955,719 32,527,518 33,734,882 Total Assets
39 Utang Klaim 1,110,278 1,222,627 1,485,879 1,574,602 1,643,091 1,602,891 Claims Payable
40 Utang Koasuransi - - - - - - Coinsurance Payable
41 Utang Reasuransi 1,689,731 1,869,296 1,750,912 1,929,967 2,235,284 2,734,029 Reinsurance Payable
42 Utang Komisi - - - - 172 172 Commission Payable
43 Utang Pajak 1,342 1,415 10,803 5,304 4,392 9,187 Tax Payable
44 Biaya yang Masih Harus Dibayar 97,702 84,287 91,382 90,088 91,095 84,837 Accrued Expense
45 Utang Lain 732,479 757,041 616,877 277,306 298,880 301,490 Others Payable
46 Jumlah Utang 3,631,532 3,934,666 3,955,853 3,877,269 4,272,914 4,732,607 Total Payable
47 Cadangan Premi 1,864,136 1,853,712 1,829,778 2,251,664 3,209,992 3,541,946 Premium Reserve
48 Cadangan Atas Premi Yang Belum Merupakan Pendapatan 4,646,251 4,475,485 4,378,363 4,409,420 3,761,086 3,600,934 Unearned Premium Reserve
49 Cadangan Klaim 11,560,120 11,932,362 12,048,925 12,156,296 12,210,088 12,846,991 Claim Reserve
50 Cadangan atas Risiko Bencana (Catastrophic) 362,025 362,025 356,372 356,372 355,964 355,964 Catastrophic Reserve
51 Jumlah Cadangan Teknis 18,432,532 18,623,585 18,613,439 19,173,753 19,537,130 20,345,835 Total Technical Reserve
52 Jumlah Liabilitas 22,064,064 22,558,251 22,569,291 23,051,022 23,810,044 25,078,441 Total Liabilities
53 Pinjaman Subordinasi 1,393,049 1,393,049 1,393,049 1,524,894 1,523,203 1,523,203 Subordinate Loan
54 Modal Disetor 2,651,634 2,651,634 2,951,634 2,951,634 2,951,634 2,951,634 Paid in Capital
55 Agio Saham 451,579 451,579 451,579 451,579 451,579 451,579 Premium Stock
56 Saldo Laba 4,002,331 3,765,657 3,598,784 3,508,520 3,425,233 3,456,341 Retained Earning
57 Komponen Ekuitas Lainnya 453,041 651,814 529,101 468,070 365,826 273,685 Other Equity Components
58 Jumlah Ekuitas 7,558,584 7,520,684 7,531,097 7,379,803 7,194,271 7,133,238 Total Equities
59 JUMLAH LIABILITAS DAN EKUITAS 31,015,697 31,471,984 31,493,438 31,955,719 32,527,518 33,734,882 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 104,620,996 96,495,944 91,910,897 95,946,508 100,805,957 99,646,025 Time Deposit
2 Saham 60,748,664 63,761,191 63,962,689 65,780,344 66,675,752 62,061,421 Stocks
3 Sukuk atau Obligasi 37,129,596 37,374,960 37,351,844 37,181,315 38,027,879 36,044,432 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 322,742,546 336,603,895 346,600,077 351,152,728 352,347,125 363,953,671 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 39,729,568 41,455,522 43,137,806 44,347,972 43,017,900 38,637,401 Mutual Fund
9 Efek Beragun Aset 289,511 288,897 248,846 241,540 242,244 203,426 Assets Backed Securities
10 Dana Investasi Real Estate - - - - - - Real Estate Investment Fund
11 Penyertaan Langsung 394,875 394,875 350,320 350,320 350,320 350,320 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 2,032,620 2,032,498 2,033,357 2,033,296 2,033,531 2,033,583 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 567,688,375 578,407,781 585,595,836 597,034,023 603,500,707 602,930,280 Total Non Investment
18 Total Non Investasi 92,824,773 94,223,592 95,470,431 98,750,445 101,951,262 103,127,288 Total Assets
19 Total Aset 660,513,148 672,631,373 681,066,267 695,784,469 705,451,969 706,057,567 Total Liabilty
20 Total Liabilitas 46,836,007 48,114,258 44,649,346 49,553,002 51,494,871 53,727,567 Total Equity
21 Total Ekuitas dan Aset Neto 613,677,141 624,517,115 636,416,921 646,231,466 653,957,098 652,330,000 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 11,935,354 12,651,179 12,269,873 12,039,058 10,125,798 10,334,369 Time Deposit
2 Saham 10,485,043 9,908,634 9,475,804 9,772,182 10,473,879 10,114,238 Stocks
3 Sukuk atau Obligasi 37,651,325 37,689,705 37,316,607 36,867,080 37,444,677 36,977,368 Bonds or Syaria Bonds
4 Surat Berharga Yang Diterbitkan Negara RI 36,888,400 37,225,067 37,988,952 38,605,585 38,646,283 38,765,676 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 25,755,922 26,225,562 26,563,136 25,242,711 25,541,445 25,753,915 Mutual Fund
9 Efek Beragun Aset 1,291,298 1,288,350 1,218,814 1,154,050 1,155,878 1,093,287 Assets Backed Securities
10 Dana Investasi Real Estate 116,590 115,280 119,210 146,720 131,000 108,730 Real Estate Investment Fund
11 Penyertaan Langsung 5,550,198 5,634,506 5,638,081 5,671,325 5,682,314 5,694,405 Direct Investment
12 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi 560,036 558,449 556,862 555,275 553,688 552,101 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 98,033 154,883 154,883 154,883 145,408 Other Investment
17 Total Investasi 130,332,198 131,394,765 131,302,220 130,208,869 129,909,845 129,539,497 Total Investment
18 Total Non Investasi 6,154,828 10,878,047 10,678,096 11,560,841 11,203,201 10,322,624 Total Non Investment
19 Total Aset 136,487,026 142,272,812 141,980,316 141,769,710 141,113,046 139,862,121 Total Assets
20 Total Liabilitas 119,440,694 119,677,893 120,670,252 120,494,303 120,317,163 120,125,407 Total Liabilty
21 Total Ekuitas 17,046,332 22,594,920 21,310,063 21,275,407 20,795,883 19,736,715 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 15,094,048 26,982,277 43,679,460 56,864,144 69,943,034 85,104,679 Premium Income
2 Premi Reasuransi 704,107 1,191,549 1,611,364 2,081,283 2,499,302 2,990,017 Reinsurance Income
3 Penurunan (kenaikan) CAPYBMP (1,229,256) (1,035,831) (836,521) (1,325,733) (1,406,585) (1,428,368) Decrease (increase) in Premium Reserve And Unearned Premium Reserve
4 Jumlah Pendapatan Premi Neto 13,160,685 24,754,897 41,231,574 53,457,128 66,037,147 80,686,294 Total Net Premium Income
5 Hasil Investasi (1,851,351) 3,067,538 10,224,453 14,089,998 12,364,644 4,371,420 Investment Yield
6 Imbalan Jasa DPLK/ Jasa Manajemen Lainnya 84,412 170,251 260,993 345,092 443,498 532,965 Revenue from DPLK Services / Other Management Services
7 Pendapatan Lain 0.28 553,750 753,075 1,007,310 1,269,428 1,553,213 Other Revenue
8 Jumlah Pendapatan 11,673,338 28,546,436 52,470,094 68,899,527 80,114,717 87,143,893 Total Revenue
9 Klaim dan Manfaat Dibayar 5,422,498 11,289,741 17,713,301 22,087,449 27,187,594 33,252,729 Claim and Benefit Paid
10 Klaim Penebusan Unit 7,152,900 13,480,078 22,421,309 30,723,057 36,014,198 43,710,209 Unit Redemption Claim
11 Klaim Reasuransi 435,306 868,731 1,293,436 1,755,283 2,113,226 2,561,775 Reinsurance Recovery
12 Kenaikan (Penurunan) Cadangan Premi 14,653 (697,694) (1,166,871) (1,395,855) (2,184,762) (4,101,086) Increase (decrease) in Premium Reserve
13 Kenaikan (Penurunan) Cadangan Klaim (82,216) (37,751) (44,543) 104,866 (2,554) 174,857 Increase (decrease) in Claim Reserve
14 Kenaikan (Penurunan) Cadangan atas Risiko Bencana 261 883 3,052 1,333 (2,631) 1,998 Increase (decrease) in Catastrophic Reserve
(Catastrophic)
15 Jumlah Beban Klaim dan Manfaat 12,072,790 23,166,527 37,632,811 49,765,566 58,898,619 70,476,931 Total Claims and Benefits
16 Beban Komisi - Tahun Pertama 556,061 1,046,396 1,704,672 2,243,538 2,883,339 3,488,942 First Year Commision
17 Beban Komisi - Tahun Lanjutan 278,502 522,207 806,494 949,322 1,225,016 1,446,374 Renewal Commision
18 Beban Komisi - Overriding 273,644 504,479 797,599 1,031,990 1,337,644 1,624,367 Overriding Commmision
19 Beban Lainnya 367,815 738,182 1,194,010 1,636,488 2,056,968 2,564,191 Other Expenses
20 Jumlah Biaya Akuisisi 1,476,021 2,811,263 4,502,775 5,861,338 7,502,968 9,123,874 Total Acquisition Cost
21 Jumlah Beban Asuransi 13,548,811 25,977,790 42,135,586 55,626,905 66,401,586 79,600,805 Total Insurance Expenses
22 Beban Pemasaran 192,944 342,133 508,630 672,695 850,407 963,376 Marketing Expenses
23 Beban Pegawai dan Pengurus 636,622 1,237,158 1,848,425 2,651,190 3,289,986 3,928,158 Employee and Management Expenses
24 Beban Pendidikan dan Pelatihan 42,529 28,706 31,952 49,480 60,582 67,964 General And Administration Expenses
25 Beban Umum dan Administrasi Lainnya 633,160 1,254,869 2,159,264 2,730,678 3,555,814 4,174,530 Other General And Administration Expenses
26 Beban Manajemen 24,955 26,071 42,063 40,179 53,979 69,056 Management Expenses
27 Beban Mortalitas (60,521) 75,695 122,476 157,974 201,957 241,978 Mortality Expenses
28 Beban Usaha Lainnya (112,800) (46,818) 100,610 20,264 (14,081) (136,100) Other Operating Expenses
29 Jumlah Beban Usaha 1,356,874 2,917,813 4,813,419 6,322,459 7,998,644 9,308,961 Total Operating Expenses
30 Jumlah Beban 14,905,686 28,895,603 46,949,005 61,949,364 74,400,230 88,909,767 Total Expenses
31 Kenaikan (Penurunan) Nilai Aset* (3,907,884) (1,729,400) 2,071,490 2,521,501 131,785 (8,173,044) Increase (decrease) in Asset Value
32 Laba (Rugi) Sebelum Pajak 675,165 1,380,233 3,449,599 4,428,662 5,582,701 6,407,170 Income (Loss) Before Tax
33 Pajak Penghasilan 58,443 233,731 518,288 486,719 737,109 818,730 Taxes
34 Laba (Rugi) Setelah Pajak 616,721 1,146,503 2,931,310 3,941,842 4,845,593 5,588,440 Income (Loss) After Tax
35 Pendapatan Komprehensif Lain (870,268) (989,048) (2,375,668) (4,284,826) (5,157,466) (5,708,064) Other Comprehensif Income
36 Total Laba (Rugi) Komprehensif (253,411) 157,454 555,643 (342,984) (311,874) (119,624) 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 9,413,445 14,014,081 21,669,433 27,827,190 34,537,801 42,946,266 Direct Premium
2 Premi Penutupan Tidak Langsung 286,558 514,391 622,979 773,463 1,469,941 2,807,435 Indirect Premium
3 Jumlah Pendapatan Premi 9,700,003 14,528,472 22,292,411 28,600,653 36,007,742 45,753,701 Total Premium Income
4 Komisi Dibayar 1,157,049 1,828,609 2,738,964 3,293,278 3,861,391 5,514,684 Commission Paid
5 Jumlah Premi Bruto 8,542,954 12,699,863 19,553,447 25,307,374 32,146,350 40,239,017 Total Gross Premium
6 Premi Reasuransi Dibayar 4,394,792 6,264,156 9,659,991 12,988,417 17,370,961 22,010,528 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 582,315 940,512 1,404,051 1,878,685 2,222,576 2,844,222 Reinsurance Commission
8 Jumlah Premi Reasuransi 3,812,477 5,323,644 8,255,940 11,109,732 15,148,385 19,166,306 Total Reinsurance Premium
9 Premi Netto 4,730,477 7,376,219 11,297,507 14,197,642 16,997,965 21,072,711 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi (619,578) (929,667) (1,248,160) (1,556,511) (1,493,867) (1,399,691) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP (828,868) (557,458) (809,229) (762,709) (587,727) (532,040) Decrease (Increase) In Unearned Premium Reserve
12 Penurunan (kenaikan) Cadangan atas Risiko Bencana (Catastrophic) 1,334 (613) 1,378 1,245 2,653 3,311 Decrease
Total (Increase)
Decrease In Catastrophic
(Increase) In PremiumReserve
Reserve and Unearned
13 Jumlah Penurunan (Kenaikan) Cadangan Premi dan CAPYBMP (1,447,112) (1,487,737) (2,056,011) (2,317,975) (2,078,940) (1,928,420) Premium Reserve
14 Jumlah Pendapatan Premi Neto 3,283,364 5,888,482 9,241,496 11,879,667 14,919,025 19,144,291 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 6,535 9,707 15,067 19,134 21,654 29,179 Nett Other Underwriting Income
16 PENDAPATAN UNDERWRITING 3,289,900 5,898,189 9,256,562 11,898,801 14,940,679 19,173,470 Underwriting Income
17 Klaim Bruto 2,734,860 5,397,576 9,059,195 12,201,584 14,290,567 17,670,215 Gross Claims
18 Klaim Reasuransi 1,201,608 2,390,837 4,089,120 5,532,917 6,193,372 7,008,082 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 77,428 6,192 (39,301) (719,446) (484,783) 104,209 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 1,610,680 3,012,930 4,930,774 5,949,222 7,612,412 10,766,342 Total Claim Expenses
21 Beban Underwriting Lain Neto 51,642 (147,543) (138,328) (122,525) (133,132) (86,943) Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 1,662,323 2,865,387 4,792,446 5,826,697 7,479,280 10,679,399 Total Underwriting Expenses
23 Hasil Underwriting 1,627,577 3,032,802 4,464,116 6,072,104 7,461,399 8,494,071 Underwriting Result
24 Hasil Investasi 269,286 569,069 1,006,656 1,290,790 1,691,473 2,062,511 Investment Yield
25 Beban Pemasaran 213,828 402,307 602,604 859,266 1,070,617 1,315,420 Marketing Expenses
26 Beban Pegawai dan Pengurus 498,174 912,333 1,440,750 2,063,997 2,532,910 3,139,988 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 19,540 26,326 42,376 58,170 67,106 86,105 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 359,143 718,966 1,100,469 1,478,502 1,869,080 2,316,363 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 1,090,684 2,059,932 3,186,199 4,459,935 5,539,712 6,857,877 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 806,179 1,541,939 2,284,573 2,902,960 3,613,160 3,698,706 Income (Loss) Insurance Business
33 Hasil (Beban) Lain 21,201 36,925 33,985 51,871 132,925 196,076 Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 827,380 1,578,864 2,318,558 2,954,830 3,746,085 3,894,782 Income (Loss) Before Tax
35 Pajak Penghasilan 97,297 197,777 249,640 323,549 432,363 479,221 Taxes
36 Laba Setelah Pajak 730,083 1,381,087 2,068,917 2,631,281 3,313,722 3,415,561 Income After Tax
37 Pendapatan Komprehensif Lain 15,008 110,068 96,457 (529,493) (634,920) (95,469) Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 745,091 1,491,155 2,165,374 2,101,788 2,678,802 3,320,092 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 2,083,049 3,404,562 6,454,174 8,741,046 10,747,408 13,602,638 Indirect Premium
3 Jumlah Pendapatan Premi 2,083,049 3,404,562 6,454,174 8,741,046 10,747,408 13,602,638 Total Premium Income
4 Komisi Dibayar 302,567 621,048 939,967 1,376,124 1,736,813 2,178,966 Commission Paid
5 Jumlah Premi Bruto 1,780,481 2,783,514 5,514,207 7,364,921 9,010,595 11,423,672 Total Gross Premium
6 Premi Reasuransi Dibayar 1,010,014 1,588,998 3,580,199 4,364,716 5,201,092 6,621,971 Reinsurance Premium Paid
7 Komisi Reasuransi Diterima 52,936 112,031 136,482 179,349 219,167 241,275 Reinsurance Commission
8 Jumlah Premi Reasuransi 957,078 1,476,967 3,443,717 4,185,366 4,981,925 6,380,695 Total Reinsurance Premium
9 Premi Netto 823,403 1,306,546 2,070,490 3,179,555 4,028,670 5,042,977 Nett Premium
10 Penurunan (Kenaikan) Cadangan Premi 16,563 (35) 3,807 (7,750) (58,691) (36,240) Decrease (Increase) In Premium Reserve
11 Penurunan (Kenaikan) CAPYBMP 4,180 159,041 264,967 (28,079) 8,107 55,030 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 20,742 159,006 268,774 (35,830) (50,584) 18,790 Total Decrease (Increase) In Premium Reserve and Unearned Premium Reserve
14 Jumlah Pendapatan Premi Neto 844,146 1,465,552 2,339,264 3,143,725 3,978,086 5,061,767 Total Net Premium Income
15 Pendapatan Underwriting Lain Neto 41 45 69 69 69 75 Nett Other Underwriting Income
16 Pendapatan Underwriting 844,186 1,465,597 2,339,333 3,143,795 3,978,155 5,061,842 Underwriting Income
17 Klaim Bruto 789,277 1,581,211 2,557,825 3,887,107 5,050,012 6,528,210 Gross Claims
18 Klaim Reasuransi 214,352 367,803 575,414 948,565 1,336,739 1,616,421 Reinsurance Recoveries
19 Kenaikan (Penurunan) Cadangan Klaim 145,897 221,092 359,934 505,070 666,734 568,672 Increase (Decrease) in Claim Reserve
20 Jumlah Beban Klaim Neto 720,821 1,434,500 2,342,345 3,443,611 4,380,007 5,480,461 Total Claim Expenses
21 Beban Underwriting Lain Neto 1,145 2,173 1,676 1,448 2,002 3,326 Nett Other Underwriting Expenses
22 Jumlah Beban Underwriting 721,966 1,436,672 2,344,021 3,445,060 4,382,009 5,483,787 Total Underwriting Expenses
23 Hasil Underwriting 122,220 28,924 (4,687) (301,265) (403,854) (421,945) Underwriting Result
24 Hasil Investasi 65,211 144,410 244,242 328,284 397,339 469,961 Investment Yield
25 Beban Pemasaran 683 1,755 2,631 3,946 5,201 6,543 Marketing Expenses
26 Beban Pegawai dan Pengurus 27,169 59,278 90,379 141,715 174,352 221,829 Employee and Management Expenses
27 Beban Pendidikan dan Pelatihan 351 635 948 1,180 1,576 1,892 General And Administration Expenses
28 Beban Umum dan Administrasi lainnya 12,404 25,059 38,986 55,713 70,822 87,851 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 40,607 86,727 132,944 202,553 251,951 318,116 Total Operating Expense
32 Laba (Rugi) Usaha Asuransi 146,823 86,607 106,610 (175,535) (258,465) (270,100) Income (Loss) Insurance Business
33 Hasil (Beban) Lain 1,828 (6,554) (18,870) (24,634) (41,740) (44,212) Other Income (Expenses)
34 Laba (Rugi) Sebelum Pajak 148,652 80,053 87,740 (200,168) (300,205) (314,312) Income (Loss) Before Tax
35 Pajak Penghasilan 21,014 24,793 149 (52,553) (59,939) (104,231) Taxes
36 Laba Setelah Pajak 127,638 55,261 87,591 (147,615) (240,266) (210,081) Income After Tax
37 Pendapatan Komprehensif Lain (12,941) 1,674 (114,714) (167,881) (246,483) (316,654) Other Comprehensive Income
38 Total Laba (Rugi) Komprehensif 114,697 56,935 (27,123) (315,496) (486,749) (526,735) 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 17,692,335 35,365,485 54,028,730 72,961,482 91,804,689 111,284,419 Gross Premium
2 Klaim Bruto 12,198,751 24,747,032 38,529,561 51,797,563 62,419,346 75,842,874 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/ Februari/ Maret/ April/ Mei/ Juni/ Juli/ Agustus / September/ Oktober/ November/ Desember/ Account
January February March April May June July August September October November December
1 Premi Bruto 954,857 6,403,901 7,374,539 8,309,812 9,227,816 10,216,004 Gross Premium
2 Klaim Bruto 1,854,886 3,164,140 4,739,635 6,239,223 7,707,940 9,381,694 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
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.