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20260731_LIFE_Penyampaian Bukti Iklan_32116810_lamp2.pdf
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PT MSIG LIFE INSURANCE INDONESIA Tbk
Kantor Pusat
Sinarmas Land Plaza Sudirman Lantai 6, Jln. Jend. Sudirman Kav. 21 Jakarta 12920
LAPORAN KEUANGAN / FINANCIAL STATEMENTS
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN LAPORAN ARUS KAS / STATEMENT OF CASH FLOWS
LAPORAN POSISI KEUANGAN / STATEMENT OF FINANCIAL POSITION
/ STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME Untuk Periode yang Berakhir pada Tanggal 30 Juni 2026 / For the Period Ended June 30, 2026
Tanggal 30 Juni 2026 / As of June 30, 2026
Untuk Periode yang Berakhir pada Tanggal 30 Juni 2026 / For the Period Ended June 30, 2026 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (E-pressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (E-pressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (E-pressed in millions of Rupiah, unless otherwise stated)
30 Juni 2026 / 31 Desember 2025 / LIABILITAS, DANA PESERTA DAN EKUITAS 30 Juni 2026 / 31 Desember 2025 / 30 Juni 2026 / 30 Juni 2025 / 30 Juni 2026/ 30 Juni 2025/
ASET/ASSETS June 30, 2026 December 31, 2025 URAIAN/DESCRIPTION URAIAN / DESCRIPTION
/ LIABILITIES, PARTICIPANTS’ FUND AND EQUITY June 30, 2026 December 31, 2025 June 30, 2026 June 30, 2025 June 30, 2026 June 30, 2025
I. INVESTASI/ INVESTMENTS III. LIABILITAS/LIABILITIES 1 PENDAPATAN/INCOME ARUS KAS DARI AKTIVITAS OPERASI/ CASH FLOWS FROM OPERATING ACTIVITIES
1 Deposito berjangka/ Time deposits 1 Liabilitas kontrak asuransi/ Insurance contract liabilities 5.787.306 6.164.445 2 Pendapatan asuransi/ Insurance revenue 1.024.471 941.696 Penerimaan dari/ Receipts of:
Pihak ketiga/ Third parties 856.951 772.209 2 Liabilitas kontrak reinsurance/ Reinsurance contract liabilities - 13.242 3 Beban jasa asuransi/ Insurance service expenses (993.287) (1.004.465) Premi/ Premiums 1.810.476 1.949.207
Pihak berelasi/ Related parties - - 3 Utang komisi - Syariah/ Commissions payable - Sharia 1.630 1.835 4 Pendapatan (beban) bersih dari kontrak reasuransi yang dimiliki/ Net income (expense) from reinsurance contracts held (9.073) (11.068) Ujrah/ Ujrah 20.536 11.324
2 Efek saham/ Equity securities 4 Liabilitas kepada pemegang polis - Syariah/ Liabilities to policyholders - 5 Total hasil jasa asuransi/ Total insurance service result 22.111 (73.837) Komisi reasuransi dan klaim/ Reinsurance commissions and claims 9.400 2.868
Pihak ketiga/ Third parties 1.253.683 1.805.250 Sharia: Pembayaran untuk/ Payments for:
Pihak berelasi/ Related parties 4.113 38.370 Liabilitas manfaat polis masa depan/ Liability for future policy benefits 120.211 129.493 6 Pendapatan pengelolaan operasi asuransi syariah (ujrah)/ Income from operational management on sharia insurance (ujrah) 11.698 28.124 Klaim dan manfaat/ Claims and benefits (1.217.349) (1.123.806)
3 Obligasi korporasi/ Corporate bonds Premi belum merupakan pendapatan/ Unearned premiums 7.126 4.754 7 Pendapatan investasi - neto/ Investment income - net 94.553 358.017 Komisi dan tunjangan agen/ Agents’ commissions and allowances (314.137) (334.719)
Pihak ketiga/ Third parties 1.826.882 2.172.218 Estimasi liabilitas klaim/ Estimated claims liability 16.653 19.396 8 Pembalikan (penyisihan) kerugian penurunan nilai/Reversal (provision) for impairment losses (1.835) (5.436) Beban operasi/ Operating expenses (278.340) (254.945)
Pihak berelasi/ Related parties 293.776 314.869 Utang klaim/ Claims payable 1.572 1.244 9 Total Pendapatan Investasi/ Total Investment Income 104.416 380.705 Premi reasuransi/ Reinsurance premiums (34.809) (6.585)
4 MTN/ MTN 5 Beban akrual/ Accrued expenses 147.577 139.692 Imbalan kerja karyawan/ Employee benefits (4.189) (1.152)
Pihak ketiga/ Third parties 101.692 105.656 6 Liabilitas imbalan kerja karyawan/ Employee benefits liability 29.864 21.821 10 Pendapatan (beban) keuangan dari kontrak asuransi/ Finance income (expenses) from insurance contracts Lain-lain/ Others
191.792 (89.813) (8.903) (18.033)
5 Surat berharga yang diterbitkan oleh negara RI/ Indonesian government bonds 7 Liabilitas sewa/ Lease liabilities 11.136 15.453 11 Pendapatan (Beban) Keuangan Bersih/ Net Finance Income (Expense) Arus kas neto diperoleh dari (digunakan untuk) aktivitas operasi/ Net cash flows provided by (used in)
191.792 (89.813)
8.178.158 8.059.648 8 Utang pajak/ Taxes payable 6.603 2.025 operating activities (17.315) 224.159
Pihak ketiga/ Third parties
9 Liabilitas pajak tangguhan/ Deferred tax liabilities 23.752 61.660 12 Hasil asuransi dan investasi bersih/ Net insurance and investment result
6 Reksa dana/ Mutual funds 318.319 217.055
989.271 806.932 10 Utang lain-lain/ Other liabilities 216.094 223.762 ARUS KAS DARI AKTIVITAS INVESTASI/ CASH FLOWS FROM INVESTING ACTIVITIES
Pihak ketiga/ Third parties
Pihak berelasi/ Related parties - - 11 Simpanan pemegang polis/ Policyholder's deposit 339.424 328.836 13 Beban umum dan administrasi/ General and administrative expenses Pencairan (penempatan) efek yang diukur pada nilai wajar melalui laba rugi / Withdrawal (placement) in fair
(78.725) (77.830)
46.888 value through profit or loss securities 55.545 (353.688)
7 Pinjaman yang dijamin dengan hak tanggungan/ Mortgage loans 2.063 2.200 12 Ujrah diterima dimuka/ Unearned Ujrah 41.909 14 Pendapatan lain-lain/ Other income 30.742 37.996
6.164 2.051 Hasil investasi - neto / Investment income - net 371.029 324.519
13 Utang reasuransi - Syariah/ Due to reinsurers - Sharia 15 Beban lain-lain/ Other Expenses (49.668) (33.911)
Penerimaan atas penjualan aset tetap / Proceeds from sale of fixed assets 348 -
8 JUMLAH INVESTASI/ TOTAL INVESTMENTS (1 s/d 7) 13.506.589 14.077.352
14 JUMLAH LIABILITAS/ TOTAL LIABILITIES (1 s/d 13) 6.762.000 7.171.618 Pencairan pinjaman hipotik / Withdrawal in mortgage loans 138 390
16 LABA SEBELUM BEBAN PAJAK FINAL DAN PAJAK PENGHASILAN/ INCOME BEFORE FINAL TAX AND INCOME TAX 220.668 143.310
EXPENSE Pencairan (penempatan) deposito berjangka/ Withdrawal (placement) in time deposits (84.180) 58.850
II. BUKAN INVESTASI/ NON INVESTMENTS
15 DANA PESERTA/ PARTICIPANTS’ FUND 152.172 193.306 Penempatan efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain / Placement in fair value
9 Kas dan bank/Cash on hand and in banks
(40.066) (36.199) through other comprehensive income securities (294.639) (160.438)
Pihak ketiga/ Third parties 17 Pajak final/ Final tax
587.743 670.584
IV EKUITAS/ EQUITY Perolehan aset tak berwujud / Acquisition of intangible assets (12.962) (16.129)
Pihak berelasi/ Related parties 199.534 330.955
180.602 107.111 Perolehan aset tetap / Acquisition of fixed assets (2.157) (1.120)
10 Piutang kontribusi - Syariah/ Contribution receivable - Sharia Modal saham - nilai nominal Rp100 (nilai penuh) per saham 18 LABA SEBELUM PAJAK PENGHASILAN/ INCOME BEFORE INCOME TAX EXPENSE
2.465 4.728
/Share capital - Rp100 (full amount) par value per share Penempatan dana investasi peserta - syariah / Placement in participant investment fund - sharia (35.957) (2.079)
11 Tagihan investasi/ Investment receivables
16 Modal dasar, ditempatkan dan disetor penuh - 2.100.000.000 (nilai penuh) - - Pencairan (penempatan) pinjaman polis / Withdrawal (placement) in policy loans (287) 18
Pihak ketiga/ Third parties 191.709 162.334 19 (Beban) Manfaat pajak penghasilan/ Income tax (expense) benefit
saham/Authorized, issued and fully paid - 2,100,000,000 (full amount) 210.000 210.000 Arus kas neto (digunakan untuk) diperoleh dari aktivitas investasi/ Net cash flows (used in) provided by
Pihak berelasi/ Related parties 2.845 2.273 investing activities (3.122) (149.677)
17 Tambahan modal disetor/Additional paid-in capital 6.842.500 6.842.500 180.602 107.111
12 Piutang lain-lain/ Other receivables 61.418 51.304 20 LABA TAHUN BERJALAN/ INCOME FOR THE YEAR
18 Kerugian (keuntungan) yang belum direalisasi atas perubahan nilai wajar efek
13 Biaya dibayar dimuka/ Prepaid e-penses yang diukur pada nilai wajar melalui penghasilan komprehensif lain - neto ARUS KAS DARI AKTIVITAS PENDANAAN/CASH FLOWS FROM FINANCING ACTIVITY
Pihak ketiga/ Third parties 87.538 102.800 /Unrealize loss (gain) on changes in fair value of securities at fair value through Penghasilan komprehensif lain/ Other comprehensive income: -
Pembayaran dividen/ Payment of dividend (201.600)
Pihak berelasi/ Related parties 2.278 other comprehensive income - net (61.392) 410.183 (4.660)
1.904 Pembayaran liabilitas sewa/Payment of lease liabilities (4.839)
14 Aset kontrak reasuransi/ Reinsurance contract asset 1.948 - 19 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar 21 Pos yang akan direklasifikasi ke laba rugi/ Item that will be reclassified to profit or loss
Arus kas digunakan untuk aktivitas pendanaan/Cash flows used in financing activities (206.439) (4.660)
melalui penghasilan komprehensif lain 22 Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai wajar melalui penghasilan
15 Aset reasuransi - Syariah/ Reinsurance asset - Sharia 6.848 4.113 /Allowance for impairment losses on securities measured at fair value through komprehensif lain/ Unrealized gain (loss) on changes in fair value of securities at fair value through other comprehensive income (508.239) 145.150
16 Aset tetap - neto/ Fixed assets - net 158.663 162.482 other comprehensive income 5.939 6.062
23 Pajak penghasilan terkait/ Related income tax 36.664 (11.587) KENAIKAN (PENURUNAN) NETO KAS DAN BANK / NET INCREASE (DECREASE) IN CASH ON HAND IN
17 Aset hak - guna - neto/ Right-of-use assets - net 12.631 17.041 20 Surplus revaluasi tanah dan bangunan - neto/Revaluation surplus on land and BANKS (226.876) 69.822
24 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain/ Allowance
18 Aset lain-lain/ Other assets buildings - net 110.921 113.331
for impairment losses on securities measured at fair value through other comprehensive income (123) 3.724 1.004.158 670.619
Pihak ketiga / Third parties 21 Saldo laba/ Retained earnings 1.122.089 1.142.999 KAS DAN BANK AWAL TAHUN/CASH ON HAND AND IN BANKS AT BEGINNING OF YEAR
282.173 283.978 25 Pendapatan (beban) keuangan dari kontrak asuransi/ Finance income (expenses) from insurance contracts 177.708 (4.822)
Pihak berelasi/ Related parties 3.245 3.093 22 Cadangan keuangan asuransi/ Insurance finance reserve (36.976) (214.684)
PENGARUH PERUBAHAN KURS TERHADAP KAS DAN BANK
/NET EFFECT OF CHANGES IN E-CHANGE RATES ON CASH ON HAND AND IN BANKS 11.596 447
23 JUMLAH EKUITAS/ TOTAL EQUITY (15 s/d 22) 8.193.081 8.510.391 26 Pos yang tidak akan direklasifikasi ke laba rugi/ Item that will not be reclassified to profit or loss
19 JUMLAH BUKAN INVESTASI/ TOTAL NON INVESTMENTS (9 s/d 18) 1.600.664 1.797.963 27 Surplus revaluasi tanah dan bangunan/ Revaluation surplus on land and buildings (3.089) (3.140)
24 JUMLAH LIABILITAS, DANA PESERTA, DAN EKUITAS KAS DAN BANK AKHIR TAHUN/CASH ON HAND AND IN BANKS AT END OF YEAR 788.878 740.888
28 Pajak penghasilan terkait/ Related income tax 679 690
20 JUMLAH ASET/ TOTAL ASSETS (8 + 19) 15.107.253 15.875.315 / TOTAL LIABILITIES, PARTICIPANTS’ FUND AND EQUITY (14 + 15 + 23) 15.107.253 15.875.315
29 Pengukuran kembali liabilitas imbalan kerja karyawan/ Remeasurement of employe benefits liability (3.001) 1.003
30 Penghasilan (rugi) komprehensif lain, setelah pajak/ Other comprehensive (loss) income, net of tax (299.401) 131.018
LAPORAN PERUBAHAN EKUITAS / STATEMENT OF CHANGES IN EQUITY
Untuk Periode yang Berakhir pada Tanggal 30 Juni 2026 / For the Period Ended June 30, 2026
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (E-pressed in millions of Rupiah, unless otherwise stated) 31 TOTAL PENGHASILAN KOMPREHENSIF TAHUN BERJALAN/ TOTAL COMPREHENSIVE INCOME FOR THE YEAR (118.799) 238.129
Keuntungan (kerugian) yang Penyisihan kerugian Saldo Laba/Retained earnings 32 LABA PER SAHAM DASAR (nilai penuh)/BASIC EARNINGS PER SHARE (full amount) 86 51
belum direalisasi atas penurunan nilai atas Surplus
perubahan nilai wajar efek efek yang diukur pada revaluasi
Tambahan yang diukur pada nilai wajar nilai wajar melalui tanah dan Cadangan
Modal saham Modal
ditempatkan dan melalui penghasilan penghasilan bangunan - keuangan
disetor/ asuransi/ Cadangan Belum
disetor penuh komprehensif lain-neto/ komprehensif lain/ neto/ umum/ Total Ekuitas/ Catatan/Notes:
URAIAN/DESCRIPTION Additional Unrealize gain (loss) on Allowance for Revaluation Insurance ditentukan Total Equity
/Issued and fully paid-in Appropriated penggunaannya/
paid share capital changes in fair value of impairment losses on surplus on land finance 1. Laporan keuangan untuk periode yang berakhir pada tanggal 30 Juni 2026 dan 30 Juni 2025 tidak diaudit dan untuk tahun yang berakhir pada tanggal 31 Desember 2025 diambil dari laporan keuangan yang telah diaudit oleh KAP Purwanto, Susanti & Surja (firma anggota Ernst & Young Global
capital reserve for general Unappropriated
securities at fair value securities measured at and buildings - reserve Limited) dalam laporannya tertanggal 30 Maret 2026 dengan opini audit tanpa modifikasian.
through other comprehensive fair value through other net
income-net comprehensive income The unaudited financial statements for the periods ended June 30, 2026 and June 30, 2025 and for the year ended December 31, 2025 were derived from the financial statements audited by KAP Purwanto, Susanti & Surja (a member firm of Ernst & Young Global Limited) in its report dated March 30, 2026
with an unmodified audit opinion.
Saldo per 1 Januari 2025/ Balance as of January 1, 2025 210.000 6.842.500 62.407 2.867 118.229 (66.807) 9.533 1.237.235 8.415.964 2. Informasi keuangan di atas diambil dari laporan keuangan konsolidasi sehingga informasi tersebut bukan merupakan penyajian lengkap dari laporan keuangan konsolidasian.
Laba Tahun berjalan/ Income for the year - - - - - - - 206.228 206.228 The above financial information is extracted from the consolidated financial statements and therefore does not constitute a complete presentation of the consolidated financial statements.
Kerugian yang belum direalisasi atas perubahan nilai wajar efek yang diukur 3. Kurs pada tanggal 30 Juni 2026, 1 US $ : Rp 17.856 (nilai penuh)/ Exchange rate on June 30, 2026, 1 US $ : Rp 17,856 (full amount)
pada nilai wajar melalui penghasilan komprehensif lain - neto
Unrealized loss on changes in fair value of securities at fair value Kurs pada tanggal 31 Desember 2025, 1 US $ : Rp 16.782 (nilai penuh)/ Exchange rate on December 31, 2025, 1 US $ : Rp 16,782 (full amount)
through other comprehensive income - net - - 347.776 - - - - - 347.776
4. Laba per saham dasar dihitung dengan membagi laba periode berjalan dengan jumlah rata-rata tertimbang saham yang beredar pada periode bersangkutan.
Cadangan umum / Appropriated for general reserve - - - - - - 3.394 (3.394) -
Basic earnings per share is computed based on income for the period divided by the weighted average number of issued and fully paid shares outstanding during the period.
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of
employee benefits liability - - - - - - - 19.724 19.724
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar
melalui penghasilan komprehensif lain / Allowance for impairment losses
on securities measured at fair value through other comprehensive income - - - 3.195 - - - - 3.195
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation
surplus on land and buildings for the year - net - - - - 1.381 - - - 1.381
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of
revaluation surplus on land and buildings to retained earnings - - - - (6.279) - - 6.279 -
Dividen / Dividend - - - - - - - (336.000) (336.000)
Cadangan keuangan asuransi / Insurance finance reserve - - - - - (147.877) - - (147.877)
Saldo per 31 Desember 2025/ Balance as of December 31, 2025 210.000 6.842.500 410.183 6.062 113.331 (214.684) 12.927 1.130.072 8.510.391
Saldo per 1 Januari 2026/ Balance as of January 1, 2026 210.000 6.842.500 410.183 6.062 113.331 (214.684) 12.927 1.130.072 8.510.391
Laba Periode berjalan/ Income for the period - - - - - - - 180.602 180.602
Kerugian yang belum direalisasi atas perubahan nilai wajar efek yang diukur
pada nilai wajar melalui penghasilan komprehensif lain - neto
Unrealized loss on changes in fair value of securities at fair value
through other comprehensive income - net - - (471.575) - - - - - (471.575)
Cadangan umum / Appropriated for general reserve - - - - - - 1.991 (1.991) -
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of Jakarta, 31 Juli 2026/ Jakarta, July 31, 2026
employee benefits liability - - - - - - - (3.001) (3.001)
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar PT MSIG Life Insurance Indonesia Tbk
melalui penghasilan komprehensif lain / Allowance for impairment losses
on securities measured at fair value through other comprehensive income - - - (123) - - - - (123) Direksi / Board of Directors
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation
surplus on land and buildings for the year - net - - - - 679 - - - 679
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of
revaluation surplus on land and buildings to retained earnings - - - - (3.089) - - 3.089 -
Dividen / Dividend - - - - - - - (201.600) (201.600)
Cadangan keuangan asuransi / Insurance finance reserve - - - - - 177.708 - - 177.708
Saldo per 30 Juni 2026/ Balance as of June 30, 2026 210.000 6.842.500 (61.392) 5.939 110.921 (36.976) 14.918 1.107.171 8.193.081
(021) 5060 9999 / 2650 8300 088 1234 1088 msiglife.co.id www.msiglife.co.id MSIG Life | PT MSIG Life Insurance Indonesia Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan.
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Young Global Limited
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Life Insurance Indonesia Tbk
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