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.

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