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PT MSIG LIFE INSURANCE INDONESIA Tbk
Live oiut r way
Kantor Pusat
Sinarmas Land Plaza Lantai 6, Jln. Jend. Sudirman Kav. 21 Jakarta 12920
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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 2025 / For the Period Ended June 30, 2025
Tanggal 30 Juni 2025 / As of June 30, 2025
Untuk Periode yang Berakhir pada Tanggal 30 Juni 2025 / For the Period Ended June 30, 2025 (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 2025/ 31 Desember 2024/ LIABILITAS, DANA PESERTA DAN EKUITAS 30 Juni 2025/ 31 Desember 2024/ 30 Juni 2025/ 30 Juni 2024/ 30 Juni 2025/ 30 Juni 2024/
ASET/ASSETS URAIAN/DESCRIPTION URAIAN / DESCRIPTION
June 30, 2025 December 31, 2024 / LIABILITIES, PARTICIPANTS’ FUND AND EQUITY June 30, 2025 December 31, 2024 June 30, 2025 June 30, 2024 June 30, 2025 June 30, 2024
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 2 Pendapatan asuransi/ Insurance revenue 941.696 686.797 Penerimaan dari/ Receipts of:
Pihak ketiga/ Third parties 677.545 662.312 Pihak ketiga/ Third parties 5.209.116 4.708.010 3 Biaya jasa asuransi/ Insurance service expenses (1.004.465) (687.374) Premi/ Premiums 1.949.207 1.423.817
Pihak berelasi/ Related parties - 73.686 Pihak berelasi/ Related parties 66.119 139.891 4 Pendapatan (beban) bersih dari kontrak reasuransi yang dimiliki/ Net income (expense) from reinsurance contracts held (11.068) (12.026) Ujrah/ Ujrah 11.324 20.313
2 Efek saham/ Equity securities 2 Liabilitas kontrak reinsurance/ Reinsurance contract liabilities 12.103 3.788 5 Total hasil jasa asuransi/ Total insurance service result (73.837) (12.603) Komisi reasuransi dan klaim/ Reinsurance commissions and claims 2.868 2.173
Pihak ketiga/ Third parties 1.686.009 1.994.074 3 Utang komisi - Syariah/ Commissions payable - Sharia 2.283 2.776 Lain-lain/ Others (18.033) 29.219
Pihak berelasi/ Related parties 14.305 14.190 4 Liabilitas kepada pemegang polis - Syariah/ Liabilities to policyholders - 6 Pendapatan pengelolaan operasi asuransi syariah (ujrah)/ Income from operational management on sharia insurance (ujrah) 28.124 20.368 Pembayaran untuk/ Payments for:
3 Obligasi korporasi/ Corporate bonds Sharia: 7 Hasil investasi - neto/ Investment income - net 358.017 268.565 Klaim dan manfaat/ Claims and benefits (1.123.806) (1.369.382)
2.215.580 1.764.109 Liabilitas manfaat polis masa depan/ Liability for future policy benefits 136.671 150.546 8 Pembalikan (penyisihan) kerugian penurunan nilai/Reversal (provision) for impairment losses (5.436) 604 Komisi dan tunjangan agen/ Agents’ commissions and allowances (334.719) (357.351)
Pihak ketiga/ Third parties
197.144 210.133 Premi belum merupakan pendapatan/ Unearned premiums 5.350 4.095 9 Pendapatan lain-lain/ Other income - - Beban operasi/ Operating expenses
Pihak berelasi/ Related parties (254.945) (248.158)
Estimasi liabilitas klaim/ Estimated claims liability 25.369 19.283 10 Total Pendapatan Investasi/ Total Investment Income 380.705 289.537 Premi reasuransi/ Reinsurance premiums
4 MTN/ MTN (6.585) (2.977)
Utang klaim/ Claims payable 2.548 1.263
Pihak ketiga/ Third parties 104.835 100.586 Imbalan kerja karyawan/ Employee benefits (1.152) -
5 Beban akrual/ Accrued expenses 97.571 112.720 11 Pendapatan (beban) keuangan dari kontrak asuransi/ Finance income (expenses) from insurance contracts (89.813) (26.193)
5 Surat berharga yang diterbitkan oleh negara RI/ Indonesian government bonds Arus kas neto diperoleh dari (digunakan untuk) aktivitas operasi/ Net cash flows provided by (used in)
6 Liabilitas imbalan kerja karyawan/ Employee benefits liability 31.489 26.110 12 Pendapatan (beban) keuangan dari kontrak reasuransi/ Finance income (expenses) from reinsurance contracts - - operating activities 224.159 (502.346)
Pihak ketiga/ Third parties 7.370.895 7.197.622
7 Liabilitas sewa/ Lease liabilities 2.431 6.876 13 Pendapatan (Beban) Keuangan Bersih/ Net Finance Income (Expense) (89.813) (26.193)
6 Reksa dana/ Mutual funds
8 Utang pajak/ Taxes payable 9.543 4.659 ARUS KAS DARI AKTIVITAS INVESTASI/ CASH FLOWS FROM INVESTING ACTIVITIES
Pihak ketiga/ Third parties 1.240.124 899.335
9 Liabilitas pajak tangguhan/ Deferred tax liabilities 39.771 28.907 14 Hasil asuransi dan investasi bersih/ Net insurance and investment result Pencairan efek yang diukur pada nilai wajar melalui laba rugi / Withdrawal in fair value through profit and loss
7 Pinjaman yang dijamin dengan hak tanggungan/ Mortgage loans 2.439 2.823 217.055 250.741
10 Utang lain-lain/ Other liabilities 557.760 240.097 securities (353.688) (67.229)
11 Simpanan pemegang polis/ Policyholder's deposit 286.330 281.463 Hasil investasi - neto / Investment income - net 324.519 375.468
8 JUMLAH INVESTASI/ TOTAL INVESTMENTS (1 s/d 7) 13.508.876 12.918.870 15 Beban umum dan administrasi/ General and administrative expenses (77.830) (61.269)
12 Ujrah diterima dimuka/ Unearned Ujrah 38.810 55.417 Penerimaan atas penjualan aset tetap / Proceeds from sale of fixed assets - 427
16 Pendapatan lain-lain/ Other income 37.996 20.543
Pencairan pinjaman hipotik / Withdrawal in mortgage loans 390 233
II. BUKAN INVESTASI/ NON INVESTMENTS 17 Beban lain-lain/ Other Expenses (33.911) (39.333)
13 JUMLAH LIABILITAS/ TOTAL LIABILITIES (1 s/d 12) 6.523.264 5.785.901 Pencairan (penempatan) deposito berjangka/ Withdrawal (placement) in time deposits 58.850 259.800
9 Kas dan bank/Cash on hand and in banks
Penempatan efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain / Placement in fair value
Pihak ketiga/ Third parties 572.467 570.840 18 LABA SEBELUM BEBAN PAJAK FINAL DAN PAJAK PENGHASILAN/ INCOME BEFORE FINAL TAX AND INCOME TAX
184.166 184.595 through other comprehensive income securities (160.438) (267.621)
14 DANA PESERTA/ PARTICIPANTS’ FUND EXPENSE 143.310 170.682
Pihak berelasi/ Related parties 165.843 98.036 Penerimaan dari efek yang diukur pada biaya perolehan diamortisasi yang telah jatuh tempo / Receipt from
10 Piutang kontribusi - Syariah/ Contribution receivable - Sharia 1.159 1.136 matured amortized cost securities - 140.810
IV EKUITAS/ EQUITY 19 Pajak final/ Final tax (36.199) (36.535)
11 Aset kontrak asuransi/ Insurance contract assets - - Perolehan aset tak berwujud / Acquisition of intangible assets (16.129) (5.594)
Modal saham - nilai nominal Rp100 (nilai penuh) per saham Perolehan aset tetap / Acquisition of fixed assets (1.120) (2.937)
12 Aset kontrak reasuransi/ Reinsurance contract assets - -
/Share capital - Rp100 (full amount) par value per share 20 LABA SEBELUM PAJAK PENGHASILAN/ INCOME BEFORE INCOME TAX EXPENSE 107.111 134.147
13 Tagihan investasi/ Investment receivables Penempatan dana investasi peserta - syariah / Placement in participant investment fund - sharia (2.079) (43.692)
15 Modal dasar, ditempatkan dan disetor penuh - 2.100.000.000 (nilai penuh)
Pihak ketiga/ Third parties 148.025 166.429 saham/Authorized, issued and fully paid - 2,100,000,000 (full amount) shares 210.000 210.000 Penempatan pinjaman polis / Placement in policy loans 18 (93)
21 (Beban) Manfaat pajak penghasilan/ Income tax (expense) benefit - 1.475
Pihak berelasi/ Related parties 1.882 1.520 6.842.500 6.842.500 Arus kas neto (digunakan untuk) diperoleh dari aktivitas investasi/ Net cash flows (used in) provided by
16 Tambahan modal disetor/Additional paid-in capital
investing activities (149.677) 389.572
14 Piutang lain-lain/ Other receivables 44.194 32.870 17 Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur
22 LABA TAHUN BERJALAN/ INCOME FOR THE YEAR 107.111 135.622
15 Biaya dibayar dimuka/ Prepaid e-penses pada nilai wajar melalui penghasilan komprehensif lain - neto
Pihak ketiga/ Third parties 129.440 133.940 /Unrealized gain on changes in fair value of securities at fair value through ARUS KAS DARI AKTIVITAS PENDANAAN/CASH FLOWS FROM FINANCING ACTIVITY
195.970 62.407
other comprehensive income - net Penghasilan komprehensif lain/ Other comprehensive income: Pembayaran dividen/ Payment of dividend
Pihak berelasi/ Related parties 2.527 2.251 - -
18 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar Pembayaran liabilitas sewa/Payment of lease liabilities (4.660) (4.872)
16 Aset tetap - neto/ Fixed assets - net 163.859 168.809 melalui penghasilan komprehensif lain 23 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 (4.660) (4.872)
17 Aset hak - guna - neto/ Right-of-use assets - net 3.751 7.904 /Allowance for impairment losses on securities measured at fair value through 2.867
6.591 24 Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai wajar melalui penghasilan
18 Aset lain-lain/ Other assets other comprehensive income
komprehensif lain/ Unrealized gain (loss) on changes in fair value of securities at fair value through other comprehensive income 145.150 (118.197)
Pihak ketiga / Third parties 282.501 280.762 19 Surplus revaluasi tanah dan bangunan - neto/Revaluation surplus on land and PENURUNAN NETO KAS DAN BANK/NET DECREASE IN CASH ON HAND AND IN BANKS 69.822 (117.646)
115.779 118.229 25 Pajak penghasilan terkait/ Related income tax (11.587) 7.768
buildings - net
Pihak berelasi/ Related parties 4.138 3.093 1.022.021 1.246.768 26 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain/ Allowance
20 Saldo laba/ Retained earnings KAS DAN BANK AWAL PERIODE/CASH ON HAND AND IN BANKS AT BEGINNING OF YEAR 670.619 782.551
(71.629) (66.807) for impairment losses on securities measured at fair value through other comprehensive income 3.724 52
21 Cadangan keuangan asuransi/ Insurance finance reserve
27 Pendapatan (beban) keuangan dari kontrak asuransi/ Finance income (expenses) from insurance contracts (4.822) 51.727 PENGARUH PERUBAHAN KURS TERHADAP KAS DAN BANK
19 JUMLAH BUKAN INVESTASI/ TOTAL NON INVESTMENTS (9 s/d 18) 1.519.786 1.467.590 22 JUMLAH EKUITAS/ TOTAL EQUITY (15 s/d 21) 8.321.232 8.415.964 28 Pendapatan (beban) keuangan dari kontrak reasuransi/ Finance income (expenses) from reinsurance contracts - - /NET EFFECT OF CHANGES IN E-CHANGE RATES ON CASH ON HAND AND IN BANKS 447 5.343
23 JUMLAH LIABILITAS, DANA PESERTA, DAN EKUITAS
20 JUMLAH ASET/ TOTAL ASSETS (8 + 19) 15.028.662 14.386.460 15.028.662 14.386.460 KAS DAN BANK AKHIR TAHUN/CASH ON HAND AND IN BANKS AT END OF YEAR 740.888 670.248
/ TOTAL LIABILITIES, PARTICIPANTS’ FUND AND EQUITY (13 + 14 + 22) 29 Pos yang tidak akan direklasifikasi ke laba rugi/ Item that will not be reclassified to profit or loss
30 Surplus revaluasi tanah dan bangunan/ Revaluation surplus on land and buildings (3.140) (2.566)
31 Pajak penghasilan terkait/ Related income tax 690 565
LAPORAN PERUBAHAN EKUITAS / STATEMENT OF CHANGES IN EQUITY
Untuk Periode yang Berakhir pada Tanggal 30 Juni 2025 / For the Period Ended June 30, 2025 32 Pengukuran kembali liabilitas imbalan kerja karyawan/ Remeasurement of employe benefits liability 1.003 466
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (E-pressed in millions of Rupiah, unless otherwise stated)
33 Penghasilan (rugi) komprehensif lain, setelah pajak/ Other comprehensive (loss) income, net of tax 131.018 (60.185)
Keuntungan (kerugian) yang Penyisihan kerugian Saldo Laba/Retained earnings
belum direalisasi atas penurunan nilai atas Surplus
perubahan nilai wajar efek efek yang diukur pada revaluasi 34 TOTAL PENGHASILAN KOMPREHENSIF TAHUN BERJALAN/ TOTAL COMPREHENSIVE INCOME FOR THE YEAR 238.129 75.437
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/ 35 LABA PER SAHAM DASAR (nilai penuh)/BASIC EARNINGS PER SHARE (full amount) 51 65
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
capital reserve for general Unappropriated
securities at fair value securities measured at and buildings - reserve Catatan/Notes:
through other comprehensive fair value through other net
income-net comprehensive income 1. Angka (nilai) yang disajikan dalam laporan posisi keuangan dan laporan laba rugi dan penghasilan komprehensif lain pada periode yang berakhir ditanggal 30 Juni 2025 dan 30 Juni 2024 tidak diaudit.
The figures presented in the statements of financial position and profit or loss and other comprehensive income for the periods ended June 30, 2025, and June 30, 2024, are unaudited.
Saldo per 1 Januari 2024/ Balance as of January 1, 2024 210.000 6.842.500 191.502 2.280 107.257 (129.835) 8.771 936.602 8.169.077 2. Informasi keuangan di atas diambil dari laporan keuangan sehingga informasi tersebut bukan merupakan penyajian lengkap dari laporan keuangan.
Laba Tahun berjalan/ Income for the year - - - - - - - 371.689 371.689 The above financial information is extracted from financial statements and therefore does not constitute a complete presentation of financial statements.
Kerugian yang belum direalisasi atas perubahan nilai wajar efek yang diukur 3. Kurs pada tanggal 30 Juni 2025, 1 US $ : Rp 16.233 (nilai penuh)/ Exchange rate on June 30, 2025, 1 US $ : Rp 16,233 (full amount)
pada nilai wajar melalui penghasilan komprehensif lain - neto
Kurs pada tanggal 31 Desember 2024, 1 US $ : Rp 16.162 (nilai penuh)/ Exchange rate on December 31, 2024, 1 US $ : Rp 16,162 (full amount)
Unrealized loss on changes in fair value of securities at fair value
through other comprehensive income - net - - (129.095) - - - - - (129.095) 4. Laba per saham dasar dihitung dengan membagi laba periode berjalan dengan jumlah rata-rata tertimbang saham yang beredar pada periode bersangkutan.
Kerugian yang telah direalisasi atas pelepasan nilai wajar efek ekuitas 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.
yang diukur pada nilai wajar melalui penghasilan komprehensif lain
Realized loss on changes in fair value of equity securities at fair value
through other comprehensive income - - - - - - - - -
Cadangan umum / Appropriated for general reserve - - - - - - 762 (762) -
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of
employee benefits liability - - - - - - - 4.375 4.375
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 - - - 587 - - - - 587
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation
surplus on land and buildings for the year - net - - - - 16.103 - - - 16.103
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of
revaluation surplus on land and buildings to retained earnings - - - - (5.131) - - 5.131 -
Dividen / Dividend - - - - - - - (79.800) (79.800)
Pendapatan/(beban) keuangan dari kontrak asuransi yang diterbitkan /
Finance income/(expense) from insurance contract issued - - - - - 63.028 - - 63.028
Saldo per 31 Desember 2024/ Balance as of December 31, 2024 210.000 6.842.500 62.407 2.867 118.229 (66.807) 9.533 1.237.235 8.415.964
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
Laba Periode berjalan/ Income for the period - - - - - - - 107.111 107.111
Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur Jakarta, 31 Juli 2025/ Jakarta, July 31, 2025
pada nilai wajar melalui penghasilan komprehensif lain - neto /
Unrealized gain on changes in fair value of securities at fair value PT MSIG Life Insurance Indonesia Tbk
through other comprehensive income - net - - 133.563 - - - - - 133.563
Cadangan umum / Appropriated for general reserve - - - - - - 3.394 (3.394) - Direksi / Board of Directors
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of
employee benefits liability - - - - - - - 1.003 1.003
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar
melalui penghasilan komprehensif lain / Allowance for impairment losses
- - - 3.724 - - - - 3.724
on securities measured at fair value through other comprehensive income
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation - - - - 689 - - - 689
surplus on land and buildings for the year - net
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of
revaluation surplus on land and buildings to retained earnings - - - - (3.139) - - 3.139 -
Dividen / Dividend - - - - - - - (336.000) (336.000)
Pendapatan/(beban) keuangan dari kontrak asuransi yang diterbitkan /
- - - - - (4.822) - - (4.822)
Finance income/(expense) from insurance contract issued
Saldo per 30 Juni 2025/ Balance as of June 30, 2025 210.000 6.842.500 195.970 6.591 115.779 (71.629) 12.927 1.009.094 8.321.232
(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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Life Insurance Indonesia Tbk
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