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PT ASURANSI RELIANCE INDONESIA

Laporan KeuanganUntuk Tahun-tahun yang Berakhir31 Desember 20'15 dan 2014 sertaLaporan Posisi Keuangan PadaTanggal 'l Januari 2014/31 Desember 20'13

PT ASURANSI RELIANCE INDOA'ES'A

Financial StatementsFor The Years Ended

December 31,2015 and 2014 andStatement of Financial Position

As of January 1,20l4/December 31,2013


Daftar lsi

Surat Pernyataan Direksi

Laporan Auditor lndependen

Laporan KeuanganUntuk Tahun-tahun yang Berakhir31 Desember 2015 dan 2014 sertaLaporan Posisi Keuangan padaTanggal 1 Januati 2014131 Desember 2013

Laporan Posisi Keuangan

Laporan Laba Rugi dan penghasilanKomprehensif Lain

Laporan Perubahan Ekuitas

Laporan Arus Kas

Catatan Atas Laporan Keuangan

PT ASURA'VS' REL IAN CE I N DON ESI A

Tahle of Contents

D i recto rs, State m ent Letter

lndependent Audito,,s Report

Financial StatementsFor The years Ended

December 31, 2015 and 2014 andStatement of Financia! position

As of January 1, 2|l4lDecember 31, 2013

Statements of Financial position

Statements of Profir or Loss and OtherComprehensive lncome

Statements of Changes in Equity

Statements of Cash Flows

Notes to Financial Slatements

Halaman/Page

4

b

1

J

l,e n ancesu rance

\suransi Rellance lndonesialra Batavia 27th FtoorH. Mas Mansyur Kav. 1261a 10220, tndonesia

Surat Pernyataan Direksi Tentang/Directors' Statenent Leuer Relating to

Tanggung Jawab atas Laporan KeuanganThe Responsibilry on the Financiat Stetemenls

Untuk Tahun.tahun Yang Berakhir pada 31 Desember 2015, dan 2014For the Years Ended Decenber Jl, 2015, and 2Ol4

ffi

Kami yang bertanda tangan di bawah ini:

'1. Nama

Alamat KantorNomor Telepon

Jabatan

2. Nama

Alamat KantorNomor Telepon

Jabatan


MutyatiMenara Batavia Lt. 27, Jl. K.H. Mas Mansyur Kav 126

62-21-5793 0018Dircklv Utamal Prcsident Directot

Mardianal\,4enara Batavia Lt. 27, Jl. K.H. Mas Mansyur Kav 126

62_21_5793 0018Dkektur/ Director

lakana,27 Apil I Apfl 27, 2Q16

1.

State that:1. We are responsible in the prepantion and the

presentation of the Company's tinancial statements:

2. The Conpany's financial statements have heenpreparcd and presented in accordanca with lndonesianFin anci al Accounting Stand ard s;

3. a. All intormation in the Conpany's financialstatements has been fully and conec y disclosed;

h. The Company's financial statenents do notcontain.any incorrect information or material facts,nor do they onit infornation or nateial facts; and

4. We are responsible for the Company's internal contralsyslern.

This statement letter is nade truthfully.

Kami yang bertanda tangan di bawah ini:

Menyatakan bahwa:1. Kami bertanggung jawab atas penyusunan dan

penyajian laporan keuangan perusahaan;

2. Laporan keuangan Perusahaan telah disusun dandisajikan sesuai dengan Standar AkuntansiKeuangan di Indonesia;

3, a. Semua informasi dalam laporan keuanganPerusahaan telah djmuat secara lengkap danbenarj

b. Laporan keuangan perusahaan tidakmengandung informasi atau fakta material yangtidak benar, dan tidak menghilangkan informasjatau fakta materialt dan

4. Kami bertanggung jawab atas sistem pengendalianintern dalam Perusahaan

Demikian pernyataan ini dibuatdengan sebenamya.

MulvatiDueklw Ulamal President Diector

Mardiana)ieklu Diector

www.relian.e-insura|1ce comMember of ReLiance Croup

We, the undersigned:

NaneOffice addressTelephone

Position

NameOfrice addressTelephone

Position

We, the undercigned:

Tel. 62-21 5793 0018 (Hunting)Fax.62-21-5793 00i9 *partneryour reliable

IIE

Amir AbadiJusuf, Aryanto, Mawar & Rekan

Nomor//Vurnber: R/374.AGAJrhp.2/2016

Amir AbadiJusuf, Aryanto, Mawar & RekanRegisi ercd Public ACco untants

RSM lndonesidPlaza ASIA, Level'10

lL, Jend, Sudirn'ran Kav.59lal" and

-,lg0 hoo'lesil

I +6)2151401340F +62 21 514O 135O

www.rsrnindonesia,idLaporan Auditor lndependen/lndependent Aud itor's Report

Pemegang Saham, Dewan Komisaris dan Direksi/The Stockholders, Board of Commissioners, and Directors

PT Asuransi Reliance lndonesia

Kami telah mengaudit laporan keuanganPT Asuransi Reliance lndonesia, yang terdiri darilaporan posisi keuangan tanggal 31 Desember2015, serta laporan laba rugi dan penghasilankomprehensif lain, laporan perubahan ekuitas, danlaporan arus kas untuk tahun yang berakhir padatanggal tersebut, dan suatu ikhtisar kebuakanakuntansi signifikan dan informasi penjelasanlainnya.

Tanggung Jawab Manajemen atas LaporanKeuanganManajemen bertanggung jawab atas penyusunandan penyajian wajar laporan keuangan tersebutsesuai dengan Standar Akuntansi Keuangan diIndonesia, dan atas pengendalian internal yangdianggap perlu oleh manajemen untukmemungkinkan penyusunan laporan keuangan yangbebas dari kesalahan penyajian material, baik yangdisebabkan oleh kecurangan maupun kesalahan.

Tanggung Jawab AuditorTanggung jawab kami adalah untuk menyatakansuatu opini atas laporan keuangan tersebutberdasarkan audit kami. Kami melaksanakan auditkami berdasarkan Standar Audit yang ditetapkanoleh lnstitut Akuntan Publik lndonesia. Standartersebut mengharuskan kami untuk mematuhiketentuan etika serta merencanakan danmelaksanakan audit untuk memperoleh keyakinanmemadai tentang apakah laporan keuangan bebasdari kesalahan penyajian material.

THE POWER OF BEING UNDERSTOODAUDIT I IAX I CONSULTING

We have audited the accompanying financialstatements of PT Asuransi Reliance lndonesia,which comprise the statement of financial position asof December 31, 2015, and the statements of profitor loss and other comprehensive income, statementof changes in equity, and statement of cash flows forthe year then ended, and a summary of signfficantaccounting policies and other explanatoryinformation.

Management's Responsibility for the FinancialStaterlrenfsManagement r.s responsible for the preparation andfair presentation of such financial statements inaccordance with lndonesian Financial AccountingStandards, and for such internal control asmanagement determines is necessary to enable thepreparation of financial statements that are free frommaterial misstatement, whether due to fraud or enor.

A u d ito r's Res po n sibi I ityOur responsibility is lo express an opinion on suchfinancial statements based on our audit. Weconducted our audit in accordance with Standard onAuditing established by the lndonesian lnstitute ofCerlified Public Accountants. Ihose standardsrequire that we comply with ethical requirements andplan and pefiorm the audit to obtain reasonableassurance about whether such financial statementsare free from mateial misstatement.

RSM hdones aisa memberofthe RSMnerwork andrEdesas RsM, RSM s the tEdingnameusedbythemembersofiheRSM networkEach memberofthe RsM network s anindependent accoununB.ndconsult ngnrmwhi.hp@crtces in itsown r eht.fteRsMnetwork snotitself asepa€tele8aleattyhanyllrisdicuon

Licence KM( No 477l kM.]/2015Reg stered at the lndonesi.Financ alServ.esAothor ty (OlK)

:*RSII,

Suatu audit melibatkan pelaksanaan prosedur untukmemperoleh bukti audit tentang angka-angka danpengungkapan dalam laporan keuangan. Proseduryang dipilih bergantung pada pertimbangan auditor,termasuk penilaian atas risiko kesalahan penyajianmaterial dalam laporan keuangan, baik yangdisebabkan oleh kecurangan maupun kesalahan.Dalam melakukan penilaian risiko tersebut, auditormempertimbangkan pengendalian internal yangrelevan dengan penyusunan dan penyajian wajarlaporan keuangan entitas untuk merancang proseduraudit yang tepat sesuai dengan kondisinya, tetapibukan untuk tujuan menyatakan opini ataskeefektivitasan pengendalian internal entitas. Suatuaudit juga mencakup pengevaluasian atas ketepatankebijakan akuntansi yang digunakan dan kewajaranestimasi akuntansi yang dibuat oleh manajemen,serta pengevaluasian atas penyajian laporankeuangan secarakeseluruhan.

Kami yakin bahwa bukti audit yang telah kamiperoleh adalah cukup dan tepat untuk menyediakansuatu basis bagl opini audit kami.

OpiniMenurut opini kami, laporan keuangan terlampirmenyajikan secara wajar, dalam semua hal yangmaterial, posisi keuangan PT Asuransi Reliancelndonesia tanggal 31 Desember 2015, serta kinerjakeuangan dan arus kasnya unluk tahun yangberakhir pada tanggal tersebut, sesuai denganStandar Akuntansi Keuangan di lndonesia.

Penekanan suatu halKami membawa perhatian ke Catatan 4 atas laporankeuangan, Perusahaan telah menerapkanPernyataan dan lnterpretasi Standar AkuntansiKeuangan yang berlaku efektif sejak 1 Januari 2015,yang diterapkan secara retrospektif. Oleh karena itu,Perusahaan telah menyajikan kembali laporankeuangan untuk tahun yang berakhir pada tanggal31 Desember 2014, serta laporan posisi keuanganpada tanggal 1 Januari 20141 31 Desember 2013dengan penyesuaian pada akun-akun tertentu ataslaporan keuangan terdahulu. Kami telah mengauditpenyesuaian yang dijelaskan pada Catatan 4tersebut dan opini kamj atas laporan keuanganterdahulu tidak dimodifikasi sehubungan dengan haltersebut.

Hal LainAudit kami atas laporan keuangan PT AsuransiReliance lndonesia per tanggal 31 Desember 2015dan tahun yang berakhir pada tanggal tersebutterlampir, dilaksanakan dengan tujuan untukmerumuskan suatu opini alas laporan keuangantersebut secara keseluruhan. lnformasi keuangan


An audit involves performing procedures to obtainaudit evidence about the amounts and disclosures inthe financial statements. The procedures se/ecfeddepend on the auditors' judgment, including theassessmenl of the risks of material misstatement ofthe financial statements, whether due to fraud orerror. ln making fhose rlsk assessme,fs, fhe weconsider internal control relevant to the entity'spreparation and fair presentation of the financialstalements in order to design audit procedures thatare appropriate in the circumstances, but not for thepurpose of expressing an opinion on theeffectiveness of the entity's internal control. An auditalso includes evaluating the appropriateness ofaccounting policies used and the reasonableness ofaccounting estimates made by management, as wellas evaluating the overall presentation of the financialstatements.

We believe that the audit evidence we have obtainedis sufficient and appropriate to provide a basis forour audit opinion.

Opinionln our opinion, the accompanying financialstatemenfs prese nt fairly, in all material respects, thefinancial position of PT Asuransi Reliance lndonesiaas of December 31, 2015, and its financialperformance and cash flows for the year then ended,in accordance with lndonesian Financial AccountingStandards.

Emphasis of matterWe draw attention to Note 4 to the financialstatements, the Company applied Statements andlnterpretation of Financial Accounting Standardsthat have been effective since January 1, 2015,which have been applied retrospectively. Therefore,the Company have restated its financial statementsfor the year ended December 31, 2014, andstatements of financial position as ofJanuary 1, 2014/ December 31, 2013 withadjustments and to the certain accounts on theprevious financial statements. We have auditedthose adjustments and as described in Note 4 andour opinion on previous financial statement is notmodified in respect to this matter.

Other MatterOur audits of the accompanying financial statementsof PT Asuransi Reliance lndonesia as of December31, 2015 and for the year then ended, werepeiormed for the purpose of forming an opinion onsuch financial slalemenfs taken as a whole. Theaccompanying financial intormation of, which

R5n/l

terlampir, yang terdiri dari analisa kekayaandiperkenankan dan perhitungan rasio pencapaiansolvabilitas tanggal 31 Desember 2015 (secarakolektif disebut sebagai "lnformasi TingkatSolvabilitas") dalam Lampiran ldan ll disajikansebagai informasi tambahan terhadap laporankeuangan untuk tujuan analisis tambahan dan bukanmerupakan bagian dari laporan keuangan tersebut diatas yang diharuskan menurut Standar AkuntasiKeuangan di lndonesia. lnformasi TingkatSolvabilitas tersebut merupakan tanggung jawabmanajemen serta djhasilkan dari dan berkaitansecara langsung dengan laporan keuangan tersebutdi atas. lnformasi Tingkat Solvabilitas tersebut telahmenjadi objek prosedur audit yang diterapkan dalamaudit atas laporan keuangan tersebut di atasberdasarkan Standar Audit yang ditetapkan olehInstitut Akuntan Publik lndonesia. Menurut opinikami, lnformasi Tingkat Solvabilitas tersebutdisajikan secara wajar, dalam semua hal yangmaterial, berkaitan dengan laporan keuangantersebut di atas secara keseluruhan.


comprises the analysis admitted assefs andsolvency margin calculations as of December 31 ,2015 (collectively referred to as the "SolvencyMargin Calculations lnformation'), which ,spresented in schedule I and ll as a supplementaryinformation to the above-mentioned financialstatements, is presented for the purposes ofadditional analysis and is not a required paft of theabove-mentioned financial statements underlndonesian Financial Accounting Standards. TheSolvency Margin Calculations lnformation is theresponsibility of management and was derived fromand relates directly to the underlying accounting andother records used to prepare the above-mentionedfinancial statements. The Solvency MarginCalculations lnformation has been subjected to theauditing procedures applied in the audits of theabove-mentioned financial statements in accordancewith Standards on Auditing established by thelndonesian lnstitute of Certffied Public Accountants.ln our opinion, the Solvency Margin Calculationslnformation is faily stated, in all material respects, inrelation to the above-mentioned financial statementstaken as a whole.

Amir Abadi Jusuf, Aryanto, Mawar & Rekan

:'

LRudi Hartono Purba

Nomor lzin Akuntan Publik: AP.0501/Public Accountant License Number: AP.0501

Jakatta, 27 Aptil lApril 27, 2016

PT ASURANSI RELIANCE INDONESIALAPORAN POSISI KEUANGANPer 31 Desember 2015,2014 danPer 1 Januari 2014131 Desember2013(Dalam Rupiah Penuh)

PT ASURANSI RELIANCE INDONESIASTATEMENTS OF FINANCIAL POS'I'OIV

As of December 31, 2015, 2014 andAs of January 1, 2014/December 31, 2013

(ln Full Rupiah)

31 Desomber2013/Decembet 3l, m13

l Januari20'14,12015 20111 January 1,2011')Rp Rp Rp

'18,821,435 809 12,578 404,497ASET

P hak Ketiga Selelah D kuEngiDeposil dan Cadangan Kerugian

Setelah DikurangiDeoos I dan Cadangan Kerugian

Pilrtang Excess C/aim

Deposiio Beiangka

Eiek Dipedagangkan

nvestasi pada Entitas Asosias

Pajak Dibayar di MukaAset Pajak Tangguhan

TOTAL ASET

') Disajikan kembali (catatan 4)

5, 35. 36, 376, 35, 36, 37

21,186,967,380

101,311,944

93,158,902,668

10,157 ,232,75112,022,771,961

196,837.905,84020.000.000,000

3s0,000,000

20,000,000,000

23,503.782.10632,600,000

ASSEISCash and Banks

Premiun ReceivablesRelated Padies

Third Padies- Nel otl Deposits and

A owance fu lnpairnentR e i nsut ance Receivable s -

Net off Deposils andlnpairmenl far

lnpannentE xcess Clain Receivables

lnveslnentsTine Deposils

Conpulsory DepositsMortgage Loans

Marketable seMitesRelated Patties

Thnd PartiesI nvestment in A ssociate

lnveslnent in Shares of StockTotal lnveslmenls

Felrsurarce ,4ssetsFrxed AssetsPrepaid Tax

Oeferred lax AsselsOher Assers

roar assEIS

') As Restated (Note 4)

7,36,378, 35, 37

9,3710,37

11, 35, 3712,35,37

13,35,3714,37

87,080,632,952 69,196,878,653

40,263,474,704 26,413,948,53912,369,040346 12,056,838,030

100,200.100,000 126.700.000,00020,000,000,000 14,000,000,000

350.000.000 350.000.000

72,400,000,000 48,000,000,00020,369125,584 29,257,079,44420.000,000,000 20,000,000.000

32 600,000 26,255,445

15

16

222217

103,245,910,0344,284,7'12,7382 761 966,6656 358 079 311

12 513 429.249

118,613,949,582 47,734,975,2545,142,452,094 4,196,712,8342.527.346 243 1.337.994 5565,169,420 9s4 3 434,777 394

17,929,172,393 12 475 591245

524,049,129,172 54),696,354216 1168,155,855,967

Catatan terlampir merupakan bagian yang tidak terpisahkan dari

laporan keuangan secara keseluruhan

The accompanying notes form an integrcl pad of these

financial statements

---16ii2e34E 2333s13r5F84 r3s333j34rr5

I

PT ASURANSI RELIANCE INDONESIALAPORAN POSISI KEUANGAN(Lanjutan)Per 31 Desember 2015,2014 danPer 1 Januari 2014l31 Desember 2013(Dalam Rupiah Penuh)

PT ASURANSI RELIANCE INDONESIASTATEMENTS OF FINANCIAL POS'flOA'

(Continued)As of December 31, 2015, 2014 and

As of January 1 , 2014/December 31 , 2013(ln Full Rupiah)

3l Desemb.r20l3lDecenbet 31,2013

I Jant rl2ol/,JCatatan/ 2015 2011,1 Januaty 1, 2011)lvores Rp Rp Rp

LIABILITAS DAN EKUITASLiabilitas

Liabllltas Keuangan Lancar LainnyaLiabilitas KonrEk Asumnsi

Eslimasi Ktaim Retensi SendinPremi yang Belum fi,lerupakan

Total Liabilitas Asuransi

EkuilasModa Saham, Nitai Nominat

Rp100.000 per Sahaml4odal Dasar - 750.000 Saham

Modal Ditempalkan dan DisetorPenuh 500.000 Saham

Tambahan [,{odat Disero.Saldo LabaTotal Ekuilas

TOTAI LIABILITAS DAN EKUITAS

') Dlsaiikan kembali(Catalai 4)

3419914,887 7,056,086.3419156,828,909 32,660.839.3469,838,a87,414 9,993,076,613449,806,365 1,386,506,820839,857.160 1.699.337.770

13,384,699,735 3,2U,A90,754

145,530,459,190 158,841,491,E50

LIABILIIIES AND EQUI|YLiabilities

Clain PayabtasReinsuance Payabies

Cannlsion PayablesAcuued Expenses

raxes PayableOthet C urcnt Li abilities

I nsuance Contr acl Liabil itiesEsiimated Own Retention Ctaims

Une ned Pteniun lncomeTotat tnsurance Liabilities

Post EmptoynentBenefits Liabilities

Totat Liabitities

ESurtySharc Capital- with pd vatue

Rp 100.00a pet shareAuthyized Capitat - 750.000 shares

lssue.t and Paid up Capital -500 000 shaes

Addiionat Paid in CapitalRetained Eaminss

fotat Equity

18,35 36, 37

19 35,36,3720 36, 37

21,3722

23.3724 37

3,6s3,618,97618,623,227 ,7AA

1.168.270.981

820,224,4143 246,490,747

143,310,929,019

121,191.361,579

3717,472,506 3.835,614,434 2,412,365.2U

339,042,331,41 350,283,850,207 294,426,4a9,1A4

50,000,000,000 50,000,000,0002,266,676,356 2,266,676,356

50,000,000,0002,266,676,356

121 ,462,690,427173,729,366,783

524,049,129,172 543,696,354,216 468,155,855,957 TOTAL LtABtLtTtES AND EQUtTy


Catatan terlampir merupakan bagian yang tidak terpisahkan darilaporan keuangan secara keseluruhan

The accompanying notes form an integral paft of thesefinancial statements

2

PT ASURANSI RELIANCE INDONESIALAPORAN LABA RUGI DAN PENGHASILANKOMPREHENSIF LAINUntuk Tahun-tahun yang Berakhir pada Tanggal31 Desember 201 5 dan 2014(Dalam Rupiah Penuh)

Catatan/

PT ASURANSI RELIANCE INDONESIASTATEMENTS OF PROFIT OR LOSS AND

OTHER COMPREHENSIVE INCOMEFor the Years Ended

December 31, 2015 and 2014(ln Full Rupiah)

PENDAPATAN UNDERWRITINGPremlBrutoPremiReasuransi

Kenaikan (Penurunan) Premi yang BelumNlerupakan Pendapatan

BEBAN UNDERWRITINGBeban Klairn

Klaim BrutoKlalm ReasuransiPenurunan Estimasi

Klaim Relensi SendiriTotatKtatmBeban Komisi' Neto

HASIL UNDERWRITING

HasillnvestasiBeban Usaha

LABA (RUGD USAHA

Penghasian Lain-lain

Bagian Laba Entitas Asosiasi

LABA (RUGD SEBELUM PAJAK

BEBAN PAJAK PENGHASILAN

LABA (RUGD TAHUN BERJALAN

PENGHASILAN KOMPREHENSIFLAINNYAPos yang Tidak akan

Direklasifikasi ke Laba RugiPengukuran Kembali Program lmbalan

Bagian Penghasilan Komprehensif LainEntitas Asosiasi

Pajak Penghasilan Terkait Posyang Tidak akan Direklasifikasike Laba Rugi

TOTAL LABA(RUGI)KOIVPREHENSIF

') Disajikan kemball (Catatan 4)

27,352A

2015Rp

452,429,742,579

142,854,93s,734)

2014"1

Rp

459,831,248,349(55,1 1 4,405,355)

UNDERWHNNG NCOMEGross Premium

Reinsurance PhniunNet Premlum

lncrease (Decreased) in Unearnedpremium

UNDERWR|TING EXPENSESClaim ExpensesGross C/a,;ms

Reinsurance ClainsDedease in Eslimated

Own ReLention ClainsTotalClains

Comnision Expenses - Net

UNDERWHNNC NCOME

I ncome trom I nve stnentsOpeBling Expenses

OPERATING INCOME (LO S SES )

Other lncone

Share of Prohl of Associate

lNcoME (LOSS) BEFORE TAX

NCOME TAX EXPENSES

CURREI'IT YEAR TNCOME (LOSS)

OTHER COMPREHENSIWINCOME

lbm that Wll Nol Be Reclassifiedto Profit or Loss

Remeasurcment on Deffnedptans

Share of Other Comprehensivelncome of Associate

lncone Tax Related to ltemNot Realzed to

Profit ot Loss

409,974,806,845 4n4,716,442,994

(26,852,4s7,683) (1,516,870,542)

343,122,349,162 N3,',199,972,452

29 343,405,119,277 335,972,942,170

30 (39,878,406,809) (28,088,283,862)

(3,667,448,797) (6,480,637,338)

299,859,263,671 301,404,020,97037 ,142,697 ,143

338,546,718,113

64.653,254,339

4,273,24A 342151 ,64',1 ,428,837)

17 ,2A5,O73,A44

5340,234,571

16,575,7Aa,402\ 22,665,308,815

(2,533,868,1ss) (2,s',11,656,8411

(9,I13,616,557) 20,t53,651,97,t

31 ____i!49!99f99___33sry.

47 ,552,494,422

32 \1,791,421,649)33 --.€121.139357).

(17,954,251,084)

34 7,896,690,820

__w

917,906,128

25,970,244

(23s,969.093)

(627,352,998)

156,838,250-@-'---@d5i476

___9119999429, ____1:,68x:137_,226-

TOTAL COMPREHENSIVErNcoME (LOSS)




The accompanying notes form an integral patt of thes€


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PT ASURANSI RELIANCE INDONESIALAPORAN ARUS KASUntuk Tahun{ahun yang Berakhir padaTanggal 31 Desember 2015 dan 2014(Dalam Rupiah Penuh)

PT ASURANSI RELIANCE INDONESIASTATEMENT OF CASH FLOWS

For the Years EndedDecember 31, 2015 and 2014

(ln Fu Rupiah)

ARUS KAS DARIAKTIVITAS OPERASI

Pe.e maan (Pembayaran) Piutang LalnnyaPenerimaan dari Piutang Excess K/arm

Pe.erimaan K aim Reasuransl?eneimaan dan Pengakuan lnvestasl,enbayaran Pajak Penshasilan:.nbayaEn Beban PemasaranrarbayEran Prcmi Reasuransi:enbayalan Komisi::1!ayEran Beban Umum dan Administrasi

::-!a!,aran La n-la n

r._-s Kas Nelo Diperoleh dan Aktvitas Opemsi

AFUS XAS DARI AKTIVITAS INVESTASI

:e.olehan Asel Tetap-enlualan Asel TetapPenl!a an (Pembelian) Saham dan ReksadanaPencairan (Pembentukan) DeposiloArus Kas Neto Digunakan unluk Akt vilas lnvestasi

KENAIKAN NETO KAS DAN BANK

KAS DAN BANK PADA AWAI TAHUNKAS OAN BANK PADAAKHIRTAHUN

Rp Rp

515,361,936,271 489,338,965,42526,944,906,24A 52,508,841,60237,004,216,032 32,205,437,46268,102,836,330 16,841,335,365

- 3,985,911,055(3,142,826,990) (4.542,083,346)(8,95s,023,111) (4,714,286,773)

142,854,535,734) (33,130,130,248)

147 ,019,657 ,752) (37,432,81 9,837)(54,760,305,145) (41,810,058,638)

1377 ,249,794,377) (386,365,'t 19,21 3)(67,617,408,291) (76,441,643,983)

45,813,943,481 10,444,348,871

- (6,500,000)(2,563,829,016) (2,084,936,860)

CASH FLOWS FROM OPERATING ACTIWTIESReceipts fron tueniuns

Roceipts fion (Paynent o0 Othet ReceivablesReceipts fron Excess Clain Receivables

Receipts {ron Reinsu.ance ClaimsReceipls ftofi Accrued 6 lnvestmenl

lncoi,e Tax PaynentsPaynents for Marketing Expenses

Paynents fot Reinsunnce HentunPayne of Connissions

Payrnants for Genarul and Administration ExpensesPaynent of Clains

Other Payments

Net Cash Flows P.ovided frcn Operating Activities

CASII FLOWS FROM INVESTING AC|IVITIESlnvestnent in Sharcs

Acquisnion ot F*ed AssetsSa/es on Fixed Assels

Sa/es (PurchasoJ of Snares an.l Mutual FundsWithdrawal (Placenent) of Tine Depos s

Net Cash Used in lnwsling Activities

NET INCREASE CASH AND BANK

CASH AND BANK IN TIIE BEGINNING OF YEARCASH AND BANK AT THE END OF YEAR

327,374,994 50,000,000

{1,791,421,6r'-9) (20,794,549,128)(44,r51,599,385) 20,999,800,000(48,1 79,475,052) ( 1 ,836,185,988)

(2,365,531,571) 8,608,162.883

21,186,967,38012,578,404,49718.821.4t5.809 21,186,967,380



The accompanying notes form an integral patt of these


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