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Public Expose
PT Asuransi Bina Dana Arta Tbk
(Oona Insurance)
Jakarta, 18 Juni 2025
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Public Expose PT Asuransi Bina Dana Arta Tbk (Oona Insurance) 18 Juni / June 2025
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Sekilas tentang Oona Insurance Indonesia
Oona Insurance Indonesia at a glance
PT Asuransi Bina Dana Arta, Tbk (“Perusahaan”) didirikan pada 12 Oktober 1982 dan berfokus pada usaha
memberikan perlindungan terhadap risiko kerugian dengan berbagai jenis pertanggungan: kendaraan
bermotor, kebakaran, kesehatan, kecelakaan, perjalanan, peralatan berat, pengangkutan, dan lain-lain.
PT Asuransi Bina Dana Arta, Tbk (the "Company") was established on October 12th, 1982 and focuses on providing
protection against any risk of loss with various types of coverage: motor vehicles, fire, health, accident, travel, heavy
equipment, transportation, and others.
Saham Perusahaan dimiliki oleh Oona Indonesia Pte. Ltd. (86,76%) sebagai pemegang saham pengendali dan
masyarakat (13,24%).
The Company's shares are owned by Oona Indonesia Pte. Ltd. (86.76%) as the controlling shareholder and public (13.24%).
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Visi, Misi, dan Nilai-Nilai Perusahaan
Vision, Mission, and Values of the Company
Visi Misi
Vision Mission
Menjadi perusahaan asuransi di Asia Membantu pelanggan kami
Tenggara yang paling berorientasi pada menjalani hidup tanpa batas
pelanggan dan transformative To help our customer live life boundless
To be Southeast Asia’s most customer driven
and transformational insurer
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Nilai-nilai
Values
Customer First Empower the Frontlines
We work tirelessly to ensure that our We value and respect each and every
customers feel our love, respect and member of our teams.
commitment to their welfare in every
interaction with us.
Do the Right Things, Right
We strive to be proud of the place we
work in and feel proud when we talk
about it with others.
Make/Break/Remake Things
We act fast, build boldly, and don’t cling to
our own ideas. If something fails, we move on Be Humble
and create again.
It is important we keep focused on the
long term and our customers.
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Direksi
Board of Directors of the Company
VINCENT C. SOEGIANTO LIANI CHANDRA JULIEN PIERRE COMBARET
President Director & CEO Direktur/Director Direktur/Director
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Dewan Komisaris
Board of Commissioners
ABHISHEK BHATIA KEVIN SOEDYATMIKO HERWAN NG FRANCISCO NORIEGA MALAVE
Komisaris Utama/ Komisaris/ Komisaris Independen/ Komisaris Independen/
President Commissioner Commissioner Independent Commissioner Independent Commissioner
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Kinerja Perusahaan Terkini Sampai dengan 31 Maret 2025
Company Performance Up to March 31, 2025
Laporan Posisi Keuangan Konsolidasian Per 31 Mar 2025 Laporan Tingkat Solvabilitas Per 31 Mar 2025
A. Aset A. Tingkat Solvabilitas
Investasi 1,814,035 Aset yang diperkenankan 2,713,928
Bukan Investasi 960,974 Liabilitas (kecuali Pinjaman Subordinasi) 1,219,283
Jumlah Aset 2,775,009 Jumlah Tingkat Solvabilitas 1,494,645
B. Liabilitas Dan Ekuitas B. Jumlah MMBR (Modal Minimum Berbasis Risiko) 230,762
Liabilitas 1,199,517 C. Kelebihan (Kekurangan) Batas Tingkat Solvabilitas 1,263,883
Ekuitas 1,575,492 D. Rasio Pencapaian Solvabilitas (dalam %) 648%
Jumlah Liabilitas Dan Ekuitas 2,775,009
Laporan Laba Rugi dan Penghasilan (dalam jutaan Rupiah)
Per 31 Mar 2025
Komprehensif Lain
Pendapatan Underwriting 205,256
Beban Underwriting (125,446)
Hasil Underwriting 79,811
Hasil Investasi 35,293
Beban Usaha (94,735)
Laba Usaha Asuransi 20,369
Hasil (Beban) Lain 603
Laba Sebelum Pajak 20,972
Pajak Final (3,453)
Laba Sebelum Pajak Penghasilan 17,519
Beban Pajak 1,095
Laba Setelah Pajak 18,614
Penghasilan Komprehensif lain (2,199)
Jumlah Laba Komprehensif (16,414)
(dalam jutaan Rupiah)
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Penghargaan Tahun 2024
2024 Awards and Accolades
THE INFO BANK MEDIA GROUP 25TH INSURANCE AWARD 2024
General Insurance Company with a gross premium of IDR 500 Billion to IDR 1 Trillion
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Pencapaian Kinerja Perusahaan 2024
Company Performance Achievement 2024
Laporan Posisi Keuangan Konsolidasian 2024 2023
A. Aset
Investasi 1,860,338 1,533,738
Bukan Investasi 891,569 1,130,713
Jumlah Aset 2,751,907 2,664,451
B. Liabilitas dan Ekuitas
Liabilitas 1,192,829 1,115,591
Ekuitas 1,559,078 1,548,860
Jumlah Liabilitas Dan Ekuitas 2,751,907 2,664,451
(dalam jutaan Rupiah)
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Laporan Laba Rugi untuk tahun yang berakhir
pada tanggal 31 Desember 2024 & 2023
Profit and Loss Report for the year ended on 31 December 2024 & 2023
Laporan Laba Rugi dan Penghasilan
2024 2023
Komprehensif Lain
Pendapatan Underwriting 755,853 680,358
Beban Underwriting (439,120) (446,247)
Hasil Underwriting 316,732 234,111
Hasil Investasi 160,718 166,614
Beban Usaha (392,598) (324,379)
Laba Usaha Asuransi 84,853 76,347
Hasil (Beban) Lain (513) 8,222
Laba Sebelum Pajak 84,339 84,569
Pajak Final (16,865) (15,991)
Laba Sebelum Pajak Penghasilan 67,475 68,578
Manfaat (Beban) Pajak (12,576) 15,998
Laba Setelah Pajak 80,050 84,576
Penghasilan Komprehensif lain (69,833) (41,204)
Jumlah Laba Komprehensif 10,218 43,372
(dalam jutaan Rupiah)
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Kendala-kendala yang Dihadapi
Obstacles faced by the Company
Perusahaan sedang menavigasi lingkungan pasar yang dinamis dengan faktor-faktor yang terus
berkembang seperti perubahan lanskap investasi, meningkatnya adopsi kendaraan listrik (yang
menghadirkan peluang baru untuk inovasi dalam pengelolaan biaya perbaikan), dan meningkatnya
inflasi biaya medis yang menegaskan pentingnya strategi penetapan harga yang berkelanjutan.
The company is navigating a dynamic market environment with evolving factors such as shifting investment
landscapes,, the growing adoption of electric vehicles (which presents new avenues for innovation in repair cost
management), and rising medical inflation that underscores the importance of sustainable pricing strategies.
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Upaya Pemecahan Masalah
Problem Solving Efforts
Sebagai respons, perusahaan mengambil tindakan tegas dan visioner untuk mendorong kesuksesan.
Tindakan-tindakan tersebut meliputi:
In response, the company is taking decisive and forward-looking actions to drive success. These include:
• Adaptasi yang Lincah (Agile): Secara terus-menerus menyempurnakan strategi agar tetap unggul dalam tren
pasar dan memanfaatkan peluang yang muncul.
• Penguatan Kolaborasi: Memperdalam kemitraan dengan perusahaan multifinance, broker, dan bank untuk
memperluas jangkauan pasar dan meningkatkan nilai pelanggan.
• Pertumbuhan Diversifikasi: Mengejar pertumbuhan yang kuat melalui saluran bisnis keagenan dan
langsung, sambil mengoptimalkan kinerja di seluruh segmen.
• Inovasi Digital: Mempercepat transformasi digital melalui platform direct-to-consumer (DTC) dan kemitraan
strategis (B2B2C) untuk meningkatkan aksesibilitas dan pengalaman pelanggan
• Agile Adaptation: Continuously refining strategies to stay ahead of market trends and capitalize on emerging opportunities.
• Strengthening Collaboration: Deepening partnerships with multifinance companies, brokers and banks to expand market
reach and enhance customer value.
• Diversified Growth: Pursuing robust growth through both agency and direct business channels, while optimizing
performance across all segments.
• Digital Innovation: Accelerating digital transformation through direct-to-consumer (DTC) platforms and strategic
partnerships (B2B2C) to improve accessibility and customer experience.
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Strategi utama di tahun 2025
Main strategies in 2025
Meningkatkan Efisiensi Penguatan Permodalan Meningkatkan Keuntungan
Perusahaan Perusahaan Perusahaan
Enhancing Operational Efficiency Strengthening Capital Position Increasing Profitability
Penguatan Penerapan Tata Kelola
Manajemen Risiko Perusahaan Yang Baik
Strengthening Implementing Good Corporate
Risk Management Governance
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Terima Kasih
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