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PUBLIC EXPOSE 2025 PT LIPPO GENERAL INSURANCE Tbk
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Company Overview
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Company Overview
PT Lippo General Insurance Tbk
Established : 1963 Industry : General Insurance Becomes a company of Hanwha : 2023
Didirikan: 1963 Industri : Asuransi Umum Menjadi bagian dari Hanwha Group : 2023
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Business Scope: Health & General 1. Corporate Health 1. Property 1. Automobile 1. Liability 2. Individual Health 2. Commercial Building 2. Motorcycle 2. Engineering 3. Personal Accident 3. Individual Risks 3. Heavy Equipment 3. Marine Cargo 4. Travel Insurance 4. Money & Casualty 5. General Accident 5. Financial Lines
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2025 Achievements
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2025 Achievements Breakthrough Digitalization: eBenefit Health App., eBenefit General App, MyPro+. Digitalisasi Terobosan: eBenefit Health App., eBenefit General App., MyPro+. IFRS 17 Implementation: Enhancing transparency & setting new financial standards. Implementasi IFRS 17: Meningkatkan transparansi & standar keuangan baru. ESG Commitment: Sustainable policies & responsible investments shaping a greener future. Komitmen ESG: Kebijakan berkelanjutan & investasi bertanggung jawab.
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Board of Commissioners & Directors
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Board of Commissioners
Kim Dong Wook Roberto Fernandez Feliciano Hyacintus Henri Djantoko
President Commissioner Commissioner Independent Commissioner
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Board of Directors Agus Benjamin Choi Hyunhee Gilbert D.Naibaho Kwon Gi Han President Director Vice President Director Director Director
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Business & Operational Activities
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LGI’s Ecosystem
Leading Digital Insurance:
Expanding market reach with next-generation platforms.
Dominasi Asuransi Digital:
Memperluas jangkauan pasar dengan platform generasi baru.
Regulatory & ESG Framework:
Supporting sustainability through ESG-based insurance, including Electric
Vehicle Insurance.
Kerangka Regulasi & ESG:
Mendukung keberlanjutan melalui asuransi berbasis ESG, termasuk Asuransi Kendaraan
Listrik.
Customer Engagement & Services:
Enhancing customer interaction through apps, chatbots, and digital
services.
Keterlibatan & Layanan Pelanggan:
Memperkuat interaksi pelanggan melalui aplikasi, chatbot, dan layanan digital.
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Growth Philosophy
Spirit of Spirit of Spirit of
Improvement: Development: Exploring :
Enhancing governance & operational Expanding market share & strengthening Innovating & digitizing insurance
efficiency. the core business. solutions.
Meningkatkan tata kelola & efisiensi Memperluas pangsa pasar & memperkuat Berinovasi & mendigitalisasi solusi asuransi.
operasional. bisnis inti.
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Financial Performance
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Financial Performance
As of October 2025
Financial Highlights
Gross Premium Income Before Tax EPS (Earnings Per Share)
Premi Bruto Laba sebelum pajak Laba Bersih per Saham
3.27 T 153.60 B 46
2024 : 3.38T 2024 : 74.83 B 2024 : 21
2023 : 3.47T 2023 : 14.87 B 2023 : 8
*Financial Data 31 October 2025 unaudited **Financial Data 2024 dan 2023 audited ***laporan keuangan yang digunakan berdasarkan PSAK 104
Data finansial October 31, 2025, tidak diaudit Data finansial 2024 and 2023 diaudit financial statements prepared in accordance with PSAK 104
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Financial Performance
2023 2024 October 2025
1 TOTAL GWP 3.47 T 3.38 T 3.27 T
2 Income Before Tax 15 B 75 B 154 B
3 Net Profit After Tax 25 B 62 B 139 B
4 EPS (Earnings Per Share) 8 21 46
2024 October 2025
ROE 7.0% 13.7%
*Financial Data 31 October 2025 unaudited
ROA 2.0% 4.1% Data finansial October 31, 2025, tidak diaudit
**Financial Data 2024 dan 2023 audited
RBC 315.5% 301.2% Data finansial 2024 and 2023 diaudit
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Challenges in 2025
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Challenges in 2025 Global Economic Uncertainty: Diversified portfolios & risk mitigation. Ketidakpastian Ekonomi Global: Diversifikasi portofolio & mitigasi risiko. Premium Rate Pressure: Optimized risk assessment & pricing strategy. Tekanan Tarif Premi: Optimalisasi risk assessment & strategi harga. Regulatory Changes (IFRS 17): Transitioning to new reporting standards. Perubahan Regulasi (IFRS 17): Transisi ke standar pelaporan baru. Climate Risk Impact: Strengthening risk models for future resilience. Dampak Risiko Iklim: Memperkuat model risiko untuk ketahanan masa depan. ESG Push: Integrating sustainability across all business operations. Dorongan ESG: Mengintegrasikan keberlanjutan di semua lini bisnis.
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BUSINESS
PROSPECTS IN
2026
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2026 Business Target
3 Engines for Growth
3 Pilar Utama untuk bertumbuh
Health Insurance Credit Insurance Korea Desk
The foundation for the next decade. Expanding into the SME sector in line Enhancing collaboration with dedicated
Asuransi Kesehatan with government policies. support for Korean businesses and
Fondasi utama Asuransi Kredit investors.
Ekspansi ke sektor UKM sesuai kebijakan Korea Desk
pemerintah. Meningkatkan kolaborasi melalui dukungan
khusus bagi bisnis dan investor Korea.
Setting the Bar for Business
Menetapkan Standar Bisnis
Income Before Tax Sustained EBITDA & Valuation
Total GWP Laba Sebelum Pajak
Growth
3.8 T 158.7 B Pertumbuhan EBITDA & Valuasi yang Berkelanjutan
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Strategic Initiatives
Digitalization & Technology Innovation:
Digitalisasi & Inovasi Teknologi:
MyGo+:
A behavior-based motor insurance program offering incentives for safe drivers, equipped with telematics technology for
monitoring driving habits, enhancing safety, and providing financial benefits. Target: 30,000 new users in the first year.
Inovasi asuransi kendaraan berbasis perilaku, memberikan insentif bagi pengendara aman dengan premi yang lebih kompetitif. Dilengkapi
dengan teknologi telematika untuk memantau kebiasaan berkendara, meningkatkan keselamatan, dan memberikan manfaat finansial bagi
pengguna. Target: 30.000 pengguna baru di tahun pertama.
MyPro+:
A digital platform for insurance services with an omnichannel experience.
Platform digital untuk layanan asuransi omnichannel.
eBenefit Health:
AI-driven transformation of corporate healthcare services.
Transformasi layanan kesehatan berbasis AI.
eBenefit General:
AI-driven transformation of general insurance
Transformasi layanan asuransi umum berbasis AI.
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Strategic Initiatives
Insurance for SMEs: Expanding Travel Protection Cyber Insurance:
Insurance for SMEs for Schengen Cyber Insurance:
Protection for small and medium enterprises. Memperluas perlindungan perjalanan Addressing digital risks for businesses.
Perlindungan untuk sektor UKM. Mengantisipasi risiko digital bisnis.
untuk Schengen
Collaboration & Expansion:
Kolaborasi & Ekspansi:
Strengthening relationships with banks, Increasing digital market penetration through
brokers, & strategic partners. strategic partnerships.
Penguatan hubungan dengan bank, broker, & b Peningkatan penetrasi di sektor digital melalui
mitra strategis. kerja sama strategis.
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Challenges & Opportunities
Regulatory Uncertainty & Exchange Rate Fluctuations & Rising Public Awareness of Expanding Digital Market
New Government Policies Global Economic Policies Insurance (CAGR 29% until 2030)
Ketidakpastian Regulasi & Kebijakan Fluktuasi Nilai Tukar & Dampak Kebijakan Peningkatan Kesadaran Pasar Digital Berkembang Pesat (CAGR
Pemerintah Baru Ekonomi Global Masyarakat terhadap Asuransi 29% hingga 2030)
Shifting Industry Landscape & Optimizing Profitability with a Unlocking the Potential of Digital Insurance
Digitalization Trends Stronger Portfolio Strategy for a Sustainable Future in 2025-2026
Perubahan Lanskap Industri & Tren Optimalisasi Profitabilitas melalui Strategi Membuka Potensi Besar Asuransi Digital untuk Masa
Digitalisasi Portofolio yang Lebih Sehat Depan Berkelanjutan di 2025-2026
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Aim Higher & Higher
2025 marks the momentum to
rebound with the right strategy.
2025 menjadi momen kebangkitan dengan
strategi yang tepat
Commitment to creating value for
shareholders & investors.
Komitmen untuk menciptakan nilai bagi
pemegang saham & investor.
Focusing on profitability,
innovation, & sustainable growth.
Fokus pada profitabilitas, inovasi, &
pertumbuhan berkelanjutan.
LGI remains strong &
adaptive in facing challenges.
LGI tetap tangguh & adaptif dalam
menghadapi tantangan.
"Together, We Aim Higher!"
“Bersama, Kita Melangkah Lebih Tinggi!"
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ISO
ISO 9001-2015 ISO 27001-2022 ISO 9001-2015
Operation of Health Services Information Security Management System Operation of Non-Health Services
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CSR
Literasi Edukasi : Goes to School BAF Peka (Program Edukasi Keuangan Anda) with LGI
11 Jun 2025 6 Aug 2025
Thankful Today for Better Tomorrow Peduli Korban Erupsi Gunung Lewotobi Be a Reason the Earth Smiles
17 Jan 2025 23 Nov 2024 3 Nov 2024
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Names mentioned 8 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Vice
· President Director
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