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PT MSIG LIFE INSURANCE INDONESIA Tbk
Live oiut r way
Kantor Pusat
Sinarmas Land Plaza Sudirman Lantai 6, Jln. Jend. Sudirman Kav. 21 Jakarta 12920
y
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 Tahun yang Berakhir pada Tanggal 31 Desember 2024 / For the Year Ended December 31, 2024
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2024 / For the Year Ended December 31, 2024
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2024 / For the Year Ended December 31, 2024 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
LIABILITAS, DANA PESERTA DAN EKUITAS
ASET/ASSETS 2024 2023 2024 2023 URAIAN/DESCRIPTION 2024 2023 URAIAN / DESCRIPTION 2024 2023
/ LIABILITIES, PARTICIPANTS’ FUND AND EQUITY
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 Utang reasuransi/ Due to reinsurers 72.509 51.227 2 Premi bruto/ Gross premiums 3.255.100 2.700.081 Penerimaan dari/ Receipts of:
Pihak ketiga/ Third parties 662.312 961.126 2 Utang komisi/ Commissions payable 3 Premi reasuransi/ Reinsurance premiums (49.295) (45.437) Premi/ Premiums 3.245.052 2.703.080
Pihak berelasi/ Related parties 73.686 49.491 Pihak ketiga/ Third parties 84.876 62.723 4 Kenaikan premi belum merupakan pendapatan/ Increase in unearned premiums (95.402) (85.686) Ujrah/ Ujrah 38.879 54.236
2 Efek saham/ Equity securities Pihak berelasi/ Related parties 14.646 13.504 5 Kenaikan (penurunan) aset reasuransi - premi belum merupakan pendapatan/ Increase (decrease) in related reinsurance assets - Komisi reasuransi dan klaim/ Reinsurance commissions and claims 15.233 12.362
Pihak ketiga/ Third parties 1.994.074 2.317.523 3 Beban akrual/ Accrued expenses 112.720 93.919 unearned premium 360 728 Lain-lain/ Others 39.690 137.495
Pihak berelasi/ Related parties 14.190 10.287 4 Liabilitas imbalan kerja karyawan/ Employee benefits liability 26.110 18.301 6 Pendapatan premi neto/ Net premium income 3.110.763 2.569.686 Pembayaran untuk/ Payments for:
3 Obligasi korporasi/ Corporate bonds 5 Liabilitas sewa/ Lease liabilities 6.876 14.696 Klaim dan manfaat/ Claims and benefits (2.701.728) (2.575.703)
Pihak ketiga/ Third parties 1.764.109 1.985.935 6 Utang pajak/ Taxes payable 4.659 8.678 7 Pendapatan pengelolaan operasi asuransi syariah (ujrah)/ Income from operational management on sharia insurance (ujrah) 41.001 56.795 Komisi dan tunjangan agen/ Agents’ commissions and allowances (742.954) (767.346)
Pihak berelasi/ Related parties 210.133 58.368 7 Liabilitas pajak tangguhan/ Deferred tax liabilities 28.907 36.765 8 Hasil investasi - neto/ Investment income - net 569.018 818.646 Beban operasi/ Operating expenses (470.784) (420.636)
4 MTN/ MTN 8 Utang lain-lain/ Other liabilities 240.097 299.805 9 Pembalikan (penyisihan) kerugian penurunan nilai/Reversal (provision) for impairment losses (5.177) 2.189 Premi reasuransi/ Reinsurance premiums (25.984) (17.698)
Pihak ketiga/ Third parties 100.586 100.000 9 Ujrah diterima dimuka/ Unearned ujrah 55.419 57.642 10 Pendapatan lain-lain/ Other income 169.730 48.571 Imbalan kerja karyawan/ Employee benefits (1.333) (837)
5 Surat berharga yang diterbitkan oleh negara RI/ Indonesian government bonds 10 Liabilitas kepada pemegang polis/ Liabilities to policyholders: 11 JUMLAH PENDAPATAN/TOTAL INCOME 3.885.335 3.495.887 Arus kas neto digunakan untuk aktivitas operasi/Net cash flows used in operating activities (603.929) (875.047)
Pihak ketiga/ Third parties 7.197.622 6.624.014 Liabilitas manfaat polis masa depan/ Liability for future policy benefits 1.918.519 2.300.729
12 BEBAN/EXPENSES
6 Reksa dana/ Mutual funds Liabilitas unit link/ Liability for unit link 3.283.190 3.559.673 ARUS KAS DARI AKTIVITAS INVESTASI/ CASH FLOWS FROM INVESTING ACTIVITIES
275.435 180.102 13 Klaim dan Manfaat/ Claims and benefits: 789.596 643.769
Pihak ketiga/ Third parties 899.335 1.092.412 Premi belum merupakan pendapatan/ Unearned premiums Pencairan efek yang diukur pada nilai wajar melalui laba rugi / Withdrawal in fair value through profit and loss securities
302.319 264.937 Klaim dan manfaat/ Claims and benefits 2.688.403 2.594.336
7 Penyertaan langsung/ Direct placements - 261 Estimasi liabilitas klaim/ Estimated claims liability Hasil investasi - neto / Investment income - net 754.410 728.770
43.924 53.140 Klaim reasuransi/ Reinsurance claim recoveries (44.146) (16.083)
8 Pinjaman yang dijamin dengan hak tanggungan/ Mortgage loans 2.823 3.292 Utang klaim/ Claims payable Penerimaan atas penjualan aset tetap / Receipt from sale of fixed assets 1.534 1.669
281.463 205.749 Penurunan liabilitas manfaat polis masa depan dan estimasi liabilitas klaim/Decrease in liability for future policy benefits and
9 Pinjaman polis/ Policy loans 2.607 2.452 Simpanan pemegang polis/ Policyholders' deposits Pencairan pinjaman hipotik / Withdrawal in mortgage loans 469 1.359
estimated claims liability
(276.861) (643.754) Pencairan (penempatan) deposito berjangka/ Withdrawal (placement) in time deposits 275.350 (188.911)
- Unit link/ Unit link
10 JUMLAH INVESTASI/ TOTAL INVESTMENTS (1 s/d 9) 12.921.477 13.205.161 Jumlah liabilitas kepada pemegang polis/ Total liabilities to policyholders 6.104.850 6.564.330 Penempatan efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain / Placement in fair value through
- Polis lain/ Other policies (328.917) 43.139
other comprehensive income securitiesv (1.313.252) (463.795)
Penurunan (kenaikan) aset reasuransi - liabilitas manfaat polis masa depan/ Decrease (increase) in reinsurance assets - liability
20.496 (21.322) Penerimaan dari efek yang diukur pada biaya perolehan diamortisasi yang telah jatuh tempo / Receipt from matured
II. BUKAN INVESTASI/ NON INVESTMENTS for future policy benefits
11 JUMLAH LIABILITAS/ TOTAL LIABILITIES (1 s/d 10) 6.751.669 7.221.590 2.058.975 1.956.316 amortized cost securities 145.000 -
11 Kas dan bank/Cash on hand and in banks 14 Klaim dan manfaat - neto/Claims and benefits - net
Perolehan aset tak berwujud / Acquisition of intangible assets (10.858) (8.826)
Pihak ketiga/ Third parties 570.840 671.750
12 DANA PESERTA/ PARTICIPANTS’ FUND 184.595 240.831 15 Beban akuisisi/Acquisition expenses 773.042 729.924 Perolehan aset tetap / Acquisition of fixed assets (5.852) (2.137)
Pihak berelasi/ Related parties 98.036 109.065
16 Beban pemasaran/Marketing expenses 87.864 88.397 Penempatan dana investasi peserta - syariah / Placement in participant investment fund - sharia (59.288) (37.290)
12 Piutang premi/ Premium receivables 68.495 48.592
IV. EKUITAS/ EQUITY 17 Beban umum dan administrasi/General and administrative expenses 485.383 406.464 Penempatan pinjaman polis/Placement in policy loans (155) (191)
13 Aset reasuransi/ Reinsurance assets 68.721 59.745
Modal saham - nilai nominal Rp100 (nilai penuh) per saham 18 Beban lain-lain/ Other expenses 57.866 115.675 Arus kas neto diperoleh dari aktivitas investasi/ Net cash flows provided by investing activities
14 Piutang investasi/investment receivable 576.954 674.417
/Share capital - Rp100 (full amount) par value per share
Pihak ketiga/ Third parties 166.429 157.048 19 TOTAL BEBAN/ TOTAL EXPENSES 3.463.130 3.296.776
13 Modal dasar, ditempatkan dan disetor penuh - 2.100.000.000 (nilai penuh) ARUS KAS DARI AKTIVITAS PENDANAAN/CASH FLOWS FROM FINANCING ACTIVITY
Pihak berelasi/ Related parties 1.520 727 saham/Authorized, issued and fully paid - 2,100,000,000 (full amount) shares 20 LABA SEBELUM BEBAN PAJAK FINAL DAN PAJAK PENGHASILAN/INCOME BEFORE FINAL TAX AND INCOME TAX 422.205 199.111
210.000 210.000 Pembayaran dividen/ Payment of dividend (79.800) (371.700)
168.809 155.457 EXPENSE
15 Aset tetap - neto/ Fixed assets - net 14 Tambahan modal disetor/Additional paid-in capital 6.842.500 6.842.500 Pembayaran liabilitas sewa/Payment of lease liabilities (9.459) (10.741)
16 Biaya dibayar dimuka/ Prepaid expenses 15 Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur (73.301) (71.608)
21 Pajak final/ Final tax Arus kas digunakan untuk aktivitas pendanaan/Cash flows used in financing activities (89.259) (382.441)
Pihak ketiga/ Third parties 133.940 139.418 pada nilai wajar melalui penghasilan komprehensif lain - neto
22 LABA SEBELUM PAJAK PENGHASILAN/ INCOME BEFORE INCOME TAX EXPENSE 348.904 127.503 PENURUNAN NETO KAS DAN BANK/NET DECREASE IN CASH ON HAND AND IN BANKS
2.251 2.259 /Unrealized gain on changes in fair value of securities at fair value through (116.234) (583.071)
Pihak berelasi/ Related parties 62.407 191.502 23 Manfaat (beban) pajak penghasilan / Income tax benefit (expense) 2.553 (1.015)
other comprehensive income - net
17 Aset lain-lain/ Other assets 24 LABA PERIODE BERJALAN/INCOME FOR THE YEAR 351.457 126.488 KAS DAN BANK AWAL TAHUN/CASH ON HAND AND IN BANKS AT BEGINNING OF YEAR 782.551 1.367.342
16 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar
Pihak ketiga / Third parties 347.041 362.865 melalui penghasilan komprehensif lain 25 Penghasilan komprehensif lain/ Other comprehensive income:
Pihak berelasi/ Related parties 3.093 3.093 /Allowance for impairment losses on securities measured at fair value through 2.280 PENGARUH PERUBAHAN KURS TERHADAP KAS DAN BANK
other comprehensive income 2.867 4.302 (1.720)
7.904 16.360 /NET EFFECT OF CHANGES IN EXCHANGE RATES ON CASH ON HAND AND IN BANKS
18 Aset hak - guna - neto/ Right-of-use assets - net Pos yang akan direklasifikasi ke laba rugi/ Item that will be reclassified to profit or loss
32.870 22.416 17 Surplus revaluasi tanah dan bangunan - neto/Revaluation surplus on land and
19 Piutang lain-lain/ Other receivables buildings - net 118.229 107.257 (Kerugian) keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai wajar melalui penghasilan 782.551
KAS DAN BANK AKHIR PERIODE/CASH ON HAND AND IN BANKS AT END OF PERIOD 670.619
419.159 137.996 komprehensif lain/Unrealized (loss) gain on changes in fair value of securities at fair value through other comprehensive income (137.138) 60.795
18 Saldo laba/ Retained earnings
Pajak penghasilan terkait/ Related income tax 8.043 (5.784)
20 JUMLAH BUKAN INVESTASI/ TOTAL NON INVESTMENTS (11 s/d 19) 1.669.949 1.748.795 19 JUMLAH EKUITAS/ TOTAL EQUITY (13 s/d 18) 7.655.162 7.491.535 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 (502)
20 JUMLAH LIABILITAS, DANA PESERTA, DAN EKUITAS
21 JUMLAH ASET/ TOTAL ASSETS (10 + 20) 14.591.426 14.953.956 / TOTAL LIABILITIES, PARTICIPANTS’ FUND AND EQUITY (11 + 12 + 19) 14.591.426 14.953.956
Pos yang tidak akan direklasifikasi ke laba rugi/Item that will not be reclassified to profit or loss
Surplus revaluasi tanah dan bangunan/ Revaluation surplus on land and buildings 13.806 (5.131)
Pajak penghasilan terkait/ Related income tax (2.834) 1.129
LAPORAN PERUBAHAN EKUITAS / STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2024 / For the Year Ended December 31, 2024 Pengukuran kembali liabilitas imbalan kerja karyawan/ Remeasurement of employee benefits liability 4.375 (3.461)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated) Penghasilan (rugi) komprehensif lain, setelah pajak/ Other comprehensive income (loss), net of tax (113.161) 47.046
Keuntungan (kerugian) yang Penyisihan kerugian Saldo Laba/Retained earnings 26 TOTAL PENGHASILAN KOMPREHENSIF PERIODE BERJALAN/ TOTAL COMPREHENSIVE INCOME FOR THE YEAR 238.296 173.534
belum direalisasi atas penurunan nilai atas Surplus
perubahan nilai wajar efek efek yang diukur pada revaluasi 27 LABA PER SAHAM DASAR (nilai penuh)/ BASIC EARNINGS PER SHARE (full amount) 167 60
Tambahan yang diukur pada nilai wajar nilai wajar melalui tanah dan
Modal saham Modal
ditempatkan dan melalui penghasilan penghasilan bangunan - Cadangan
disetor/ komprehensif lain-neto/ komprehensif lain/ neto/ Belum Total Ekuitas/
disetor penuh Additional umum/ ditentukan
URAIAN/DESCRIPTION /Issued and fully Unrealize gain (loss) on Allowance for Revaluation Appropriated Total Equity Catatan/Notes:
paid-in changes in fair value of impairment losses on surplus on land penggunaannya/
paid share capital capital for general Unappropriated
securities at fair value securities measured at and buildings - reserve 1. Informasi keuangan yang disajikan dalam Publikasi ini diambil dari Laporan Keuangan PT MSIG Life Insurance Indonesia Tbk ("Perusahaan") pada tanggal 31 Desember 2024 dan untuk tahun yang berakhir pada tanggal tersebut, yang disusun oleh Manajemen Perusahaan sesuai
through other fair value through other net
comprehensive income-net dengan Standar Akuntansi Keuangan (SAK) di Indonesia, yang telah diaudit oleh KAP Purwantono, Sungkoro & Surja ("PSS"), firma anggota Ernst & Young Global Limited dengan rekan penanggung jawab adalah Ignatius Yokajaya, auditor independen, berdasarkan Standar Audit
comprehensive income
yang ditetapkan oleh Institut Akuntan Publik Indonesia, dengan opini tanpa modifikasian , sebagaimana tercantum dalam laporannya tanggal 4 Maret 2025 yang tidak termasuk dalam Publikasi ini.
The financial information presented in this Publication is taken from the Financial Statements of PT MSIG Life Insurance Indonesia Tbk (the "Company") as of December 31, 2024 and for the year ended on that date, prepared by the Company's Management in accordance with Financial
Saldo per 1 Januari 2023/ Balance as of January 1, 2023 210.000 6.842.500 136.491 2.782 111.259 4.271 377.267 7.684.570 Accounting Standards (SAK) in Indonesia, which have been audited by KAP Purwantono, Sungkoro & Surja ("PSS"), member firms of Ernst & Young Global Limited with signing partner is Ignatius Yokajaya, independent auditors, based on Audit Standards established by the Indonesian
Laba Tahun berjalan/ Income for the year - - - - - - 126.488 126.488 Institute of Certified Public Accountants, with opinion Unqualified Opinion, as stated in its report dated March 4, 2025 which is not included in this Publication.
Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada 2. Angka (nilai) yang disajikan pada Laporan Posisi Keuangan dan Laporan Laba Rugi Komprehensif di atas diambil dari Laporan Keuangan Audit yang disusun berdasarkan Standar Akuntansi Keuangan (Audited)/
nilai wajar melalui penghasilan komprehensif lain - neto/ Unrealized gain on changes 55.011 - - - - 55.011
- - The figures (values) presented in the Statement of Financial Position and Comprehensive Income Statement above are taken from the Audited Financial Statements prepared based on Financial Accounting Standards (Audited)
in fair value of securities at fair value through other comprehensive income - net
Cadangan umum/ Appropriated for general reserve - - - - - 4.500 (4.500) - 3. 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)
Pengukuran kembali liabilitas imbalan kerja karyawan/ Remeasurement of employee Kurs pada tanggal 31 Desember 2023, 1 US $ : Rp 15.416 (nilai penuh)/ Exchange rate on December 31, 2023, 1 US $ : Rp 15,416 (full amount)
benefits liability - - - - - - (3.461) (3.461) 4. Laba bersih per saham dasar dihitung berdasarkan laba tahun berjalan dibagi dengan rata-rata tertimbang jumlah saham yang beredar selama tahun yang bersangkutan/
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui Basic Earnings per share is computed based on income for the year divided by the weighted average number of issued and fully paid shares outstanding during the year
penghasilan komprehensif lain/ Allowance for impairment losses on securities
(502) - - - (502)
measured at fair value through other comprehensive income - - -
Surplus revaluasi tanah dan bangunan tahun berjalan - neto/ Revaluation surplus on
land and buildings for the year - net - - 1.129 - - 1.129
- -
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 - - - - - - (371.700) (371.700)
Saldo per 31 Desember 2023/ Balance as of December 31, 2023 210.000 6.842.500 191.502 2.280 107.257 8.771 129.225 7.491.535
Saldo per 1 Januari 2024/ Balance as of January 1, 2024 210.000 6.842.500 191.502 2.280 107.257 8.771 129.225 7.491.535
Laba Periode berjalan/ Income for the period - - - - - - 351.457 351.457
Kerugian yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai
wajar melalui penghasilan komprehensif lain - neto/ Unrealized loss on changes in - - - -
(129.095) - - (129.095)
fair value of securities at fair value through other comprehensive income - net
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
Jakarta, 27 Maret 2025/ Jakarta, March 27, 2025
Surplus revaluasi tanah dan bangunan tahun berjalan - neto/ Revaluation surplus on
land and buildings for the year - net - - -
- 16.103 - - 16.103 PT MSIG Life Insurance Indonesia Tbk
Transfer surplus revaluasi tanah dan bangunan ke saldo laba/ Transfer of revaluation
-
Direksi / Board of Directors
surplus on land and buildings to retained earnings - - (5.131) - 5.131
- -
Dividen/ Dividend - - - - - - (79.800) (79.800)
Saldo per 31 Desember 2024 / Balance as of December 31, 2024 210.000 6.842.500 62.407 2.867 118.229 9.533 409.626 7.655.162
(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.
Names mentioned 6 people and organisations named in the text · linked when the evidence is strong
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Life Insurance Indonesia Tbk
p.1 ×4
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Purwantono
p.1 ×2
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Young Global Limited
p.1 ×2
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