Laporan Tahunan 2014 Asuransi Umum - axa- keuangan financial statements ... analisa dan pembahasan...

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Transcript of Laporan Tahunan 2014 Asuransi Umum - axa- keuangan financial statements ... analisa dan pembahasan...

  • Tinjauan Keuangan Financial Overview Premi Bruto Gross Premium Beban Klaim Neto Net Claim Expenses Hasil Underwriting Underwriting Income Pendapatan Investasi Investment Income Beban Usaha Operating Expenses Laba Tahun Berjalan Net Profit for the Year Aset Assets Deposito Deposits Liabilitas Liabilities Cadangan atas premi yang belum merupakan pendapatan Unearned Premium Reserves Total Ekuitas Equities

    BAB V : TATA KELOLA PERUSAHAAN CHAPTER V : GOOD CORPORATE GOVERNANCEPrinsip-prinsip Tata Kelola Perusahaan The Principles of Corporate GovernanceDasar Hukum Legal FrameworkStruktur Tata Kelola Perusahaan Corporate Governance StructurePenilaian Tata Kelola Perusahaan Corporate Governance AssesmentOrgan Tata Kelola Perusahaan Corporate Governance OrgansRapat Umum Pemegang Saham General Meeting of ShareholdersDewan Komisaris Board of CommissionersDireksi Board of DirectorsKomite-Komite Penunjang Dewan Komisaris Board of Commissioners Supporting CommitteesKomite di Bawah Direksi Committees under the Board of DirectorsPenilaian Terhadap Anggota Dewan Komisaris dan Direksi Evaluation on Member of the Board of Commissioner and the Board of DirectorsPengendalian Internal Internal ControlAuditor Eksternal External AuditorKepatuhan ComplianceKebijakan Whistleblower Whistleblower PolicyKetaatan sebagai Perusahaan Asuransi Compliance as Insurance CompanyKepemilikan Saham oleh Pengurus Share Ownership by ManagementTransparansi TransparencyDaftar Pemegang Saham Lists of ShareholdersPerkara Hukum Law CasesGambaran Umum Penerapan Prinsip Manajemen Risiko Overview of the Implementation of Risk Management PrinciplesStruktur Tata Kelola Manajemen Risiko Governance Structure of the Risk ManagementPenerapan Manajemen Risiko untuk Masing-Masing Jenis Risiko Implementation of Risk Management for Each Types of RiskSistem Informasi Manajemen Risiko Information System Risk Management

    BAB VI : TANGGUNG JAWAB PERUSAHAAN CHAPTER VI : CORPORATE RESPONSIBILITYTanggung Jawab Perusahaan Corporate Responsibility

    LAPORAN KEUANGAN FINANCIAL STATEMENTS

    DAFTAR ISI Table of Contents

    BAB I : KILAS KINERJA 2014 CHAPTER I : PERFORMANCE REVIEW OF 2014 01 Pendahuluan Introduction 02 Riwayat Singkat Perusahaan The Company at a Glance 03 Ikhtisar Keuangan 2014 Financial Highlights of 2014 09 Kaleidoskop 2014 Kaleidoscope of 2014 11 Testimoni Testimonials

    BAB II : LAPORAN MANAJEMEN CHAPTER II : MANAGEMENT REPORT 13 Sambutan Dewan Komisaris Board of Commisioners Message

    17 Laporan Direksi Board of Directors Report

    21 Pernyataan Tanggung Jawab Manajemen Atas Laporan Tahunan 2014 Statement of Management Responsibility for 2014 Annual Report

    BAB III : PROFIL PERUSAHAAN CHAPTER III : COMPANY PROFILE

    23 Alamat Perusahaan dan Layanan The Companys Address and Services

    25 Struktur Organisasi Organization Structure

    27 Dewan Komisaris dan Direksi The Board of Commissioners and the Board of Directors

    29 Visi, Misi dan Nilai Vision, Mission and Values

    31 Profil Dewan Komisaris Board of Commissioners Profile

    35 Profil Direksi The Board of Directors Profile

    38 Produk dan Layanan Products and Services

    42 Dukungan Reasuransi Reinsurance Support

    43 Penghargaan Awards

    BAB IV : ANALISA DAN PEMBAHASAN MANAJEMEN CHAPTER IV : ANALYSIS AND DISCUSSION OF MANAGEMENT

    45 Tinjauan Industri Industrial Overview Perekonomian Indonesia 2014 Economy of Indonesia in 2014 Prospek Perusahaan di Indonesia The Companys Prospect in Indonesia Strategi Perusahaan di Tahun 2014 Corporate Strategy in 2014 Kebijakan Otoritas Jasa Keuangan Policy of the Indonesia Financial Services Authority

    48 Tinjauan Bisnis Business Overview Business I Kemitraan dengan Perusahaan Pembiayaan dan Dealer Otomotif

    Business I Partnership with Multi-finance Companies and Automotive Dealers Business II Kemitraan dengan Perusahaan Perbankan khususnya Segmen Bisnis Commercial Lines

    Business II Partnership with Banking Companies particularly in the Business Segment of Commercial Lines Business III Kemitraan dengan Perusahaan Perbankan khususnya dari Segmen Bisnis Personal Lines

    Business III Partnership with Banking Companies particularly in the Business Segment of Personal Lines

    51 Tinjauan Operasional Operational Overview Kantor Cabang dan Kantor Pemasaran Branch Offices and Marketing Offices Teknologi Informasi dan Pengelolaan Kebijakan Keamanan

    Information Technology and Management of Security Policy Customer Care Customer Care Pengembangan Infrastruktur dan Proses Bisnis Infrastructure Development and Business Processes Sumber Daya Manusia Human Resources

  • BAB I : KILAS KINERJA 2014 CHAPTER I : PERFORMANCE REVIEW OF 2014Pendahuluan IntroductionRiwayat Singkat Perusahaan The Company at a GlanceIkhtisar Keuangan 2014 Financial Highlights of 2014Kaleidoskop 2014 Kaleidoscope of 2014Testimoni Testimonials

    BAB II : LAPORAN MANAJEMEN CHAPTER II : MANAGEMENT REPORTSambutan Dewan Komisaris Board of Commisioners Message Laporan Direksi Board of Directors ReportPernyataan Tanggung Jawab Manajemen Atas Laporan Tahunan 2014Statement of Management Responsibility for 2014 Annual Report

    BAB III : PROFIL PERUSAHAAN CHAPTER III : COMPANY PROFILEAlamat Perusahaan dan Layanan The Companys Address and ServicesStruktur Organisasi Organization StructureDewan Komisaris dan Direksi The Board of Commissioners and the Board of Directors Visi, Misi dan Nilai Vision, Mission and ValuesProfil Dewan Komisaris Board of Commissioners ProfileProfil Direksi The Board of Directors ProfileProduk dan Layanan Products and ServicesDukungan Reasuransi Reinsurance SupportPenghargaan Awards

    BAB IV : ANALISA DAN PEMBAHASAN MANAJEMEN CHAPTER IV : ANALYSIS AND DISCUSSION OF MANAGEMENTTinjauan Industri Industrial Overview Perekonomian Indonesia 2014 Economy of Indonesia in 2014 Prospek Perusahaan di Indonesia The Companys Prospect in Indonesia Strategi Perusahaan di Tahun 2014 Corporate Strategy in 2014 Kebijakan Otoritas Jasa Keuangan Policy of the Indonesia Financial Services Authority

    Tinjauan Bisnis Business Overview Business I Kemitraan dengan Perusahaan Pembiayaan dan Dealer Otomotif

    Business I Partnership with Multi-finance Companies and Automotive Dealers Business II Kemitraan dengan Perusahaan Perbankan khususnya Segmen Bisnis Commercial Lines

    Business II Partnership with Banking Companies particularly in the Business Segment of Commercial Lines Business III Kemitraan dengan Perusahaan Perbankan khususnya dari Segmen Bisnis Personal Lines

    Business III Partnership with Banking Companies particularly in the Business Segment of Personal Lines

    Tinjauan Operasional Operational Overview Kantor Cabang dan Kantor Pemasaran Branch Offices and Marketing Offices Teknologi Informasi dan Pengelolaan Kebijakan Keamanan

    Information Technology and Management of Security Policy Customer Care Customer Care Pengembangan Infrastruktur dan Proses Bisnis Infrastructure Development and Business Processes Sumber Daya Manusia Human Resources

    59 Tinjauan Keuangan Financial Overview Premi Bruto Gross Premium Beban Klaim Neto Net Claim Expenses Hasil Underwriting Underwriting Income Pendapatan Investasi Investment Income Beban Usaha Operating Expenses Laba Tahun Berjalan Net Profit for the Year Aset Assets Deposito Deposits Liabilitas Liabilities Cadangan atas premi yang belum merupakan pendapatan Unearned Premium Reserves Total Ekuitas Equities

    BAB V : TATA KELOLA PERUSAHAAN CHAPTER V : GOOD CORPORATE GOVERNANCE 71 Prinsip-prinsip Tata Kelola Perusahaan The Principles of Corporate Governance

    72 Dasar Hukum Legal Framework

    73 Struktur Tata Kelola Perusahaan Corporate Governance Structure

    74 Penilaian Tata Kelola Perusahaan Corporate Governance Assesment

    74 Organ Tata Kelola Perusahaan Corporate Governance Organs

    74 Rapat Umum Pemegang Saham General Meeting of Shareholders

    77 Dewan Komisaris Board of Commissioners

    83 Direksi Board of Directors

    89 Komite-Komite Penunjang Dewan Komisaris Board of Commissioners Supporting Committees

    93 Komite di Bawah Direksi Committees under the Board of Directors

    93 Penilaian Terhadap Anggota Dewan Komisaris dan Direksi Evaluation on Member of the Board of Commissioner and the Board of Directors

    94 Pengendalian Internal Internal Control

    98 Auditor Eksternal External Auditor

    98 Kepatuhan Compliance

    102 Kebijakan Whistleblower Whistleblower Policy

    103 Ketaatan sebagai Perusahaan Asuransi Compliance as Insurance Company

    103 Kepemilikan Saham oleh Pengurus Share Ownership by Management

    103 Transparansi Transparency

    104 Daftar Pemegang Saham Lists of Shareholders

    104 Perkara Hukum Law Cases

    105 Gambaran Umum Penerapan Prinsip Manajemen Risiko Overview of the Implementation of Risk Management Principles

    105 Struktur Tata Kelola Manajemen Risiko Governance Structure of the Risk Management

    106 Penerapan Manajemen Risiko untuk Masing-Masing Jenis Risiko Implementation of Risk Management for Each Types of Risk

    118 Sistem Informasi Manajemen Risiko Information System Risk Management

    BAB VI : TANGGUNG JAWAB PERUSAHAAN CHAPTER VI : CORPORATE RESPONSIBILITY 121 Tanggung Jawab Perusahaan Corporate Responsibility

    126 LAPORAN KEUANGAN FINANCIAL STATEMENTS

  • Pendahuluan Introduction

    118% Jumlah nasabah naik 118%

    menjadi 1,2 juta. Number of customers up

    118% to 1.2 million

    79% Jumlah aset naik 79%

    menjadi Rp 1.178 miliar. Total assets up 79% to Rp 1,178 billion.

    73% Jumlah aset investasi pada deposito

    naik 73% menjadi Rp 787 miliar. Total investment assets in deposits up

    73% to Rp 787 billion.

    3 Membukukan laba untu