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PT Asuransi Bintang Tbk, berizin dan diawasi oleh Otoritas Jasa Keuangan Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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PT Asuransi Bintang Tbk
Public Expose
21 Desember 2023
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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1. Penjelasan Manajemen
2. Tanya – Jawab
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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IFRS17, Persyaratan Permodalan dan Perubahan
Paradigma untuk Margin
• Peraturan persyaratan baru untuk Ekuitas perusahaan Asuransi
• Portofolio Merugi akan langsung memberikan dampak negative terhadap
Ekuitas tanggal transisi 1 Jan 2025.
• Hasil aktivitas penjualan di 2024,
akan menjadi faktor penentu
besaran dampak negatif ke Ekuitas
dan Pendapatan perusahaan di 2025.
• Paradigma untuk Margin Harus
sudah berjalan efektif sejak tahun
2024.
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Langkah Strategis
• Mitigasi Portofolio dan Produksi yang merugi: Sept 2022 – Dec 2024
• Validasi Strategis dengan Proforma Transisi ke IFRS17 : Q1 – Q4 2023
• Perencanaan 2024 Hybrid IFRS4-IFRS17
Menggunakan Sales Planning Tools (SPT) dengan
meninggalkan produk-produk dengan Claim Rasio
Tinggi (Hull dan CAR) dan Polis dengan Komisi yang
terlalu besar.
• Parallel Run IFRS4 – IFRS17 di 2024
• Penerapan Target KPI Progresif Kwartalan di 2024
Q1 : Premi 50% - Margin 50%, Q2: Premi 30% - Margin 70%
Q3 : Premi 15% - Margin 85%, Q4: Premi 0% - Margin 100%
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STRATEGI TRANSISI IFRS17 Mitigasi Portofolio Merugi dan Validasi strategis dari Portfolio Cleansing and Runs Off: Berhasil memitigasi penurunan ekuitas sebesar 44.7% pada periode Maret – Sept 2023. Unaudited, As Per March 2023 Unaudited, As Per Sept 2023 6
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Kinerja Asuransi Gabungan 30 September 2023 & 2022
Dalam Milyar Rupiah
2023 % 2022 %
Premi Gross 282,76 100,0% 353,09 100,0% -19,9%
Premi Reasuransi (171,12) 60,5% (193,92) 54,9% -11,8%
Cadangan Premi 26,92 9,5% 9,34 2,6% 188,1%
Klaim Netto (47,35) 16,7% (59,83) 16,9% -20,9%
Komisi Netto (13,17) 4,7% (20,63) 5,8% -36,2%
Hasil Underwiting 78,04 27,6% 88,04 24,9% -11,4%
Hasil Investasi 28,95 10,2% 7,05 2,0% 310,5%
Beban Usaha (94,99) 33,6% (94,03) 26,6% 1,0%
Laba (Rugi) Usaha 12,00 4,2% 1,06 0,3% 1033,4%
Beban Lain 0,25 -0,1% (0,64) 0,2% -138,5%
Laba Sebelum Pajak 12,25 4,3% 0,42 0,1% 2798,8%
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Kinerja Asuransi Syariah 30 September 2023 & 2022
Dalam jutaan Rupiah
Surplus U/W Dana Tabarru 2023 % 2022 %
Kontribusi Bruto (88,65) 100,0% (2.105,44) 100,0% 95,8%
Beban Ujroh 2,88 3,3% 668,15 -31,7% -99,6%
Beban Reasuransi (44,00) 49,6% 0,01 0,0% 307014,3%
Perubahan kontribusi
612,66 691,1% 554,31 -26,3% 10,5%
Yang Belum Menjadi
Klaim Netto 72,22 -81,5% 66,90 -3,2% 8,0%
Surplus Underwriting 555,12 -626,2% (816,08) 38,8% 168,0%
Hasil Investasi Netto (40,60) -45,8% (20,98) 1,0% -93,5%
Surplus Dana Tabarru 514,52 580,4% (837,06) 39,8% 161,5%
Dalam jutaan Rupiah
Laba-Rugi Operator 2023 % 2022 %
Pendapatan Ujroh (2,88) 100,0% (668,15) 100,0% 99,6%
Cadangan Atas Ujroh 134,05 4649,4% 504,17 -75,5% -73,4%
Pendapatan Investasi 92,31 3201,8% 499,20 -74,7% -81,5%
Komisi Netto 16,93 -587,1% (316,52) 47,4% -105,3%
Beban Usaha (260,94) 9050,5% (222,31) 33,3% 17,4%
Laba Usaha (20,54) -712,2% 429,43 -64,3% -104,8%
Beban Lain (3,67) 127,2% (0,67) 0,1% 450,4%
Laba Bersih (24,20) -839,5% 428,77 -64,2% -105,6% 8
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Pertumbuhan Ekuitas
Dalam jutaan Rupiah
Treshold
Rp 250 M Treshold
Rp 250 M
Minimum Minimum
Rp 100 M Rp 100 M
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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YTD Sept 2023
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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11 Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Please Follow
Analytic, Report & Content @asuransibintangtbk
Asuransi Rumah Asuransi Kendaraan Bermotor
Hal 1 urutan (ads) 1 Hal 1 urutan (ads) 1
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Financial Institution Non-Financial Institution
Kerja Sama
Baru
Fintech
13
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Pelatihan Emergency First Response (EFR) &
Penanaman 2,500 Bibit Pohon Mangrove
Devensive Driving (DD)
14
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Pemberian Perlengkapan Sekolah Aksi Bersih-Bersih Jalur Pendakian di
Dan Alat Tulis 7 Gunung di Indonesia
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Penanaman 680 Pohon
Di Gunung Halimun Salak, Blok Cidadap, Cidahu
yang terbakar pada 2 October 2023
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
Page 17
12th Infobank Digital Brand Regocnition 2023
Awards Magazine
The 2nd Best
Best of The Best Award 2023
Conventional General Insurance
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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Awards Magaznie The Iconomics
No. 1 The Most Trusted Insurance Winner Indonesia TOP GCG Awards 2023 – Kategori
2023-2024 General Insurance
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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NETWORK & DISTRIBUTION CHANNELS
Telemarketing Branch AO
Agent Broker
DIGITAL Marketing
Apps
E-Commerce
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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AUTOSHOP PARTNERS
Motor Claim Center asuransiBintang Our Branch
Autoshop Partners
Tlp. (021) 75902777, Fax. (021) 769855
Email : claimcenter@asuransibintang.com
SUPPORT & SERVICES
EMERGENCY
Jabodetabek
Roadside Assistance
• Jakarta Barat 12
• Jakarta Selatan 11
Call Center for Personal Guidance • Jakarta Pusat 6 Sumatera Selatan Jawa Barat Sulawesi
• Jakarta Timur 6
• Jakarta Utara 7 • Palembang 6 • Bandung 17 • Makassar 10
Towing car 24 hours • Bekasi 6 • Bengkulu 1 • Cirebon 5 • Manado 3
• Narogong 1 • Lampung 4 • Cilegon 2 • Luwuk 1
• • Gorontalo 1
Mobile Assistance 24 hours Cikarang 1 Kalimantan Jawa Tengah • Kendari 1
• Cibubur 1
• Balikpapan 5 • Yogyakarta 11 • Kolaka 1
• Bintaro 8
• Samarinda 2 • Solo 2 • Kotamobagu 1
• Bogor 5
• Kalimantan 6 • Purwokerto 3 • Kupang
• Serpong 7
• Banjarmasin 2 • Semarang 10 • Ambon 2
Sumatera Utara • Pontianak 1 • Tegal 2 • Palopo 1
• Medan Indo.Timur • Palu 1
Jawa Timur
Sumatera Barat • Denpasar 10 • Surabaya 13
• Mataram 1 • Sidoarjo 2
• Pekanbaru 14
• Jayapura 1 • Malang 20 TOTAL 263
• Padang 2
• Sorong 1 • Jember 1
• Batam 5
• Timika 1
• Jambi 5
2o
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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21 Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2024 by Asuransi Bintang
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