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Increase Decrease Asset and Liabilities Q3.pdf

Financial statement Text extracted LIFE

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Page 1
                             ASSETS                                   September 30, 2025             December 31, 2024   % Incr/(Dec)   Note
 Cash on hand and in banks                                                                 795.834             668.876
 Premium receivables - Sharia                                                                3.193               1.136       181.07%     A
 Investment receivables                                                                    136.267             167.949
 Other receivables                                                                          41.976              32.870        27.70%     B
 Prepaid expenses                                                                          119.672             136.191
 Investments                                                                        13.606.544              12.918.870
 Fixed assets - net                                                                        161.048             168.809
 Right-of-use assets - net                                                                   1.935               7.904        -75.52%    C
 Other assets                                                                              285.800             283.855
 TOTAL ASSETS                                                                       15.152.269              14.386.460


 The explanation of increase/decrease of asset as of September 30, 2025:

    Note                                                        Explanation
                  The increase in Premium Receivables – Sharia was primarily attributable to the launch of a new traditional
       A
                  product in September 2025.

       B          Increase in Other receivables mainly caused by significant increase of health product group (excess charges).

                  The significant decrease in the right-of-use asset was primarily driven by the office lease nearing its renewal
       C
                  term.




PT MSIG Life Insurance Indonesia Tbk
Kantor Pusat
Sinarmas Land Plaza Sudirman, Lt. 6, Jln. Jend. Sudirman Kav 21 Jakarta 12920-Indonesia.
Telp: (021) 5059 7777. Customer Care: (021) 5060 9999, 2650 8300. Whatsapp: 08812341088
Website: www.msiglife.co.id
PT MSIG Life Insurance Indonesia Tbk berizin dan diawasi Otoritas Jasa Keuangan
Page 2
                 LIABILITIES AND EQUITY                               September 30, 2025             December 31, 2024   % Incr/(Dec)   Note
 LIABILITIES
 Insurance contract liabilities                                                      5.530.536               4.847.901
 Reinsurance contract liabilities                                                           18.519               3.788       388.89%     D
 Commissions payable - Sharia                                                                2.418               2.776
 Liabilities to policy holders - Sharia:
     Liability for future policy benefits                                                  132.021             150.546
     Unearned premiums                                                                       5.039               4.095        23.05%     E
     Estimated claims liability                                                             19.759              19.283
     Claims payable                                                                          1.869               1.263
 Accrued expenses                                                                           97.456             112.720
 Employee benefits liability                                                                33.702              26.110
 Lease liabilities                                                                            514                6.876
 Taxes payable                                                                               6.937               4.659
 Deferred tax liabilities                                                                   51.666              28.907        78.73%     F
 Other liabilities                                                                         272.182             240.097
 Policyholder's Deposit                                                                    290.886             281.463
 Unearned Ujrah                                                                             38.882              55.417       -29.84%     G
 TOTAL LIABILITIES                                                                   6.502.386               5.785.901


 PARTICIPANTS' FUND                                                                        184.713             184.595


 EQUITY
 Share Capital
 Share capital - Rp100 (full amount) par value
 per share
 Authorized, issued and fully paid -
 2,100,000,000 (full amount) shares                                                        210.000             210.000
 Additional paid-in capital                                                          6.842.500               6.842.500
 Unrealized gain on changes in fair value of
 securities at fair value through other
 comprehensive income - net                                                                317.100              62.407
 Allowance for impairment losses on securities
 measured at fair value through other
 comprehensive income                                                                        6.682               2.867
 Revaluation surplus on land and buildings - net                                           114.555             118.229
 Retained earnings                                                                    (119.601)              1.246.768
 Other comprehensive income                                                          1.093.934                (66.807)
 TOTAL EQUITY                                                                        8.465.170               8.415.964
 TOTAL LIABILITIES, PARTICIPANTS' FUND AND
 EQUITY                                                                             15.152.269              14.386.460
PT MSIG Life Insurance Indonesia Tbk
Kantor Pusat
Sinarmas Land Plaza Sudirman, Lt. 6, Jln. Jend. Sudirman Kav 21 Jakarta 12920-Indonesia.
Telp: (021) 5059 7777. Customer Care: (021) 5060 9999, 2650 8300. Whatsapp: 08812341088
Website: www.msiglife.co.id
PT MSIG Life Insurance Indonesia Tbk berizin dan diawasi Otoritas Jasa Keuangan
Page 3
 The explanation of increase/decrease of liabilities as of September 30, 2025:

 Note                                                                                 Explanation
                   Increase in Reinsurance contract liabilities primarily due to a change in the reinsurance method from Non-
       D
                   Proportional (Excess of Loss) to Proportional (Quota Share – Surplus).
                   Increase in UPR mainly caused by significant increase of health and personal accident product, as well as the
        E
                   impact of changes in discount rate.
                   The significant increase in Deferred tax liabilities mainly caused by significant increase of Unrealized gain on
        F
                   the changes in fair value of marketable securities.

       G           Decrease in unearned ujrah mainly caused by significant decrease of death term life product group.




PT MSIG Life Insurance Indonesia Tbk
Kantor Pusat
Sinarmas Land Plaza Sudirman, Lt. 6, Jln. Jend. Sudirman Kav 21 Jakarta 12920-Indonesia.
Telp: (021) 5059 7777. Customer Care: (021) 5060 9999, 2650 8300. Whatsapp: 08812341088
Website: www.msiglife.co.id
PT MSIG Life Insurance Indonesia Tbk berizin dan diawasi Otoritas Jasa Keuangan

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