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Courage to Keep Moving Forward 2024 Laporan Tahunan Annual Report
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Sanggahan dan Pernyataan Kehati-hatian Disclaimer And Cautionary Statements Laporan Tahunan 2024 menggunakan kata “Tugu Insurance”, The 2024 Annual Report uses the words “Tugu Insurance”, “Perseroan”, “Perusahaan”, dan “Kami” untuk menyebut PT “Company”, and “We” to refer to PT Asuransi Tugu Pratama Asuransi Tugu Pratama Indonesia Tbk dan anak perusahaan. Indonesia Tbk and its subsidiaries. Laporan Tahunan 2024 PT Asuransi Tugu Pratama Indonesia Tbk The 2024 Annual Report of PT Asuransi Tugu Pratama Indonesia dapat memuat informasi atau pernyataan yang berwawasan ke Tbk may contain forward-looking information or statements depan termasuk tetapi tidak terbatas pada strategi, rencana ke including but not limited to strategies, future plans, and indicative depan dan kinerja operasional maupun keuangan indikatif masa future operational and financial performance (collectively referred mendatang yang secara bersama-sama disebut “informasi yang to as “forward-looking information”) except for historical matters. berorientasi masa depan atau forward looking information” kecuali hal-hal yang bersifat historis. Forward-looking information didasarkan pada sejumlah ekspektasi Forward-looking information is based upon several current internal, estimasi, proyeksi, dan asumsi saat ini, serta keyakinan internal expectations, estimates, projections assumptions, bahwa, sesuai pandangan wajar manajemen, secara inheren and beliefs that, in management’s reasonable opinion, are bergantung pada ketidakpastian dan kontinjensi bisnis, ekonomi, inherently subject to business, economic, competitive, or other kompetitif, atau lainnya. Forward-looking information bukan uncertainties and contingencies. Forward-looking information is merupakan jaminan kinerja di masa yang akan datang dan not a guarantee of future performance and involves known and melibatkan risiko yang sudah dan belum diketahui, ketidakpastian, unknown risks, uncertainties, and other factors (including the serta faktor-faktor lain (termasuk risiko dan ketidakpastian yang risks and uncertainties contained in the Company’s consolidated terdapat dalam laporan keuangan konsolidasian Perseroan dan financial statements and Management’s Discussion and Analysis Pembahasan dan Analisis Manajemen yang tersedia melalui available through the Company’s website and/or elsewhere in situs web Perseroan dan/atau terdapat pada bagian lain dalam this Annual Report) that may cause actual results, performance Laporan Tahunan ini), yang mungkin mengakibatkan hasil, kinerja, or achievements to differ materially from any future results, atau pencapaian aktual menjadi berbeda secara material dari performance or achievements expressed or implied by such hasil, kinerja, atau pencapaian masa depan yang dipaparkan atau forward-looking information. tersirat oleh forward-looking information tersebut. Segala estimasi, strategi investasi, atau pandangan yang Any estimates, investment strategies, or views expressed in this dicantumkan di dalam Laporan Tahunan ini berdasarkan kondisi Annual Report are based on current market conditions and/or pasar saat ini, dan/atau informasi yang disediakan oleh pihak information provided by unaffiliated third parties and are subject ketiga yang tidak terafiliasi, dan dapat berubah sewaktu-waktu to change without notice. To the extent that certain information tanpa pemberitahuan terlebih dahulu. Sepanjang informasi in this Annual Report is obtained from third-party sources, the dalam Laporan Tahunan ini diperoleh dari sumber pihak ketiga, Company has not independently verified such information, and Perseroan belum melakukan verifikasi informasi tersebut secara there is a risk that assumptions made, and conclusions drawn independen, dan terdapat risiko bahwa asumsi yang dibuat dan by the Company based on such information may be inaccurate. simpulan yang diambil berdasarkan informasi tersebut tidak Except as required by law, the Company disclaims any obligation akurat. Kecuali diwajibkan oleh peraturan perundang-undangan, to update or revise any forward-looking information, whether as a Perseroan menyangkal adanya tanggung jawab apa pun untuk result of new information or events or otherwise. memperbarui informasi atau merevisi forward-looking information apa pun, baik sebagai akibat dari adanya informasi atau kejadian baru, atau lainnya. Dalam kondisi tertentu, forward-looking information dapat dikenali In certain circumstances, forward-looking information can be dengan penggunaan istilah berwawasan ke depan seperti identified by the use of forward-looking terms such as “expect,” “diharapkan”, “mungkin”, “dapat”, “akan”, “harus”, “bertekad”, “likely,” “may,” “will,” “should,” “intend,” “anticipate,” “potential,” “mengantisipasi”, “berpotensi”, “mengajukan”, “memperkirakan”, “proposed,” “estimate,” and other similar words such as “may” or dan kata-kata lain seperti “dapat” atau “akan terjadi”, atau pada “will occur”, or when discussing strategy. saat membahas strategi. Pembaca diminta untuk berhati-hati dan tidak bergantung Readers are cautioned not to put undue reliance on this forward- semata-mata pada forward-looking information tersebut dan tidak looking information, which should not be viewed, in and of itself, diperuntukkan sebagai dasar untuk membuat keputusan investasi as any basis for making any investment decision. apa pun dengan sendirinya. ii LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Penjelasan Tema
Theme Explanation
Courage to Keep
Moving Forward
Semangat untuk Melangkah Maju
Tema Laporan Tahunan 2024 adalah Semangat untuk Melangkah Maju. Tema ini menunjukkan semangat yang
senantiasa dijunjung tinggi oleh Perseroan dalam menjalankan aktivitas bisnisnya. Dengan keberanian untuk melangkah
maju untuk bertransformasi, Tugu Insurance memegang teguh komitmen untuk meningkatkan kepercayaan pelanggan.
Perseroan menyadari bahwa kepercayaan pelanggan adalah aset yang paling berharga untuk tumbuh
secara berkelanjutan. Oleh karena itu, Tugu Insurance fokus menghadirkan berbagai produk dan
layanan yang memberikan kemudahan serta dengan pendekatan yang ramah untuk semua pelanggan,
baik korporasi maupun ritel, di lingkungan Pertamina, BUMN maupun di luar ekosistem.
Semangat untuk mendorong perubahan yang positif tersebut kemudian menghasilkan formulasi strategi
dan inovasi bisnis yang telah dijalankan Perseroan dan mengantarkan Tugu Insurance mencapai babak
baru dengan kinerja keuangan yang tumbuh solid dan operasional lebih efisien di tahun 2024. Dengan
demikian, Perseroan tidak hanya berhasil memperkuat fondasi bisnis serta memberikan nilai tambah
bagi Pemegang Saham, tetapi juga memberikan dampak yang lebih luas untuk masyarakat.
The theme of the 2024 Annual Report is Courage to Moving
Forward. This theme shows the spirit that the Company always
upholds in carrying out its business activities. With the
courage to step forward to transform, Tugu Insurance holds
fast to its commitment to strengthening customer trust.
The Company recognizes that customer trust is
the most valuable asset for driving sustainable
growth. With this in mind, Tugu Insurance
focuses on offering various products and
services that provide convenience with
a friendly approach to all customers,
both for corporations and retail, within
Pertamina, State-Owned Enterprises
(SOEs), and outside the ecosystem.
The drive to foster transformation
has culminated in the strategic
formulation and business innovations
undertaken by the Company, propelling
Tugu Insurance into a new chapter
marked by robust financial growth
and enhanced operational efficiency
in 2024. Consequently, the Company
has not only fortified its business
foundation and created value to its
shareholders but also extended its impact
more broadly, benefiting society at large.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 1
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Kesinambungan Tema
Theme Continuity
Gigih untuk Keselarasan untuk Gapai Melangkah Menuju
Mengatasi Tantangan Pencapaian Tertinggi Baru Keunggulan Melalui
Persevere to Rise Above Challenges Perpetual Harmony Inovasi Digital
to Reach New Heights Rise Towards Excellence
Tahun 2020 merupakan era pandemi Through Digital Innovation
COVID-19 yang membuat ekonomi Tahun 2021 bertepatan dengan
global jatuh ke dalam resesi. Sektor momentum Tugu Insurance berusia 41 Tugu Insurance fokus melakukan
asuransi juga turut terdampak dengan tahun berkiprah di industri asuransi umum transformasi digital di era revolusi industri
adanya pandemi yang memicu krisis di Indonesia. Perseroan memahami bahwa 4.0. Berbagai inovasi dan inisiatif digital
global tersebut. Namun dengan segenap kesuksesan dalam empat dekade tidak yang dilakukan oleh perseroan diarahkan
kegigihan Tugu Insurance berhasil terlepas dari sinergi dan keselarasan untuk mewujudkan keunggulan demi
menghadapi berbagai tantangan yang dengan berbagai pemangku kepentingan, mencapai pertumbuhan yang berkualitas
timbul dari krisis kesehatan dan krisis terutama untuk menggapai level sehingga dapat memenangkan persaingan
ekonomi akibat pandemi. tertinggi baru. di industri asuransi umum di Indonesia.
The year 2020 marked the era of the The year 2021 marked a significant Tugu Insurance focused on driving digital
COVID-19 pandemic, which plunged milestone as Tugu Insurance celebrated transformation in the era of Industry 4.0.
the global economy into recession. 41 years of excellence in Indonesia’s The Company’s various digital innovations
The pandemic also affected the general insurance industry. The Company and initiatives aim to achieve excellence
insurance sector, triggering this global recognized that its four decades of and foster high-quality growth, enabling it
crisis. However, through unwavering success have been deeply rooted in to gain a competitive edge in Indonesia’s
determination, Tugu Insurance synergy and alignment with various general insurance industry.
successfully navigated the various stakeholders, serving as a cornerstone for
challenges arising from the health and reaching unprecedented new heights.
economic crises caused by the pandemic.
2 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Mengoptimalkan Inovasi,
Mencapai Keunggulan
yang Lebih Tinggi
Optimizing Innovation,
Achieving Higher Excellence
Tugu Insurance terus melakukan
rasionalisasi dan optimalisasi inovasi
Courage to Keep
untuk merespons berbagai tantangan
sepanjang tahun 2023. Dalam
menghadapi dinamika tersebut, Perseroan
berhasil beradaptasi guna mencapai
target pertumbuhan kinerja yang
positif. Selain itu, Tugu Insurance terus
memperkokoh fondasi bisnis dengan
Moving Forward
mengembangkan usahanya ke tingkat Semangat untuk Melangkah Maju
yang lebih tinggi.
Tugu Insurance continuously implemented
rationalization and optimization of
innovations to address various challenges
throughout 2023. In navigating these
dynamics, the Company successfully
adapted to positively achieving its
performance growth targets. Additionally,
Tugu Insurance reinforced its business
foundation by advancing its operations to
a higher level.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 3
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Daftar Isi 131 Informasi Mengenai Pemegang Saham
Utama/Pengendali
Information on Principal/Controlling
Shareholders
133 Struktur Grup Perusahaan
Table of Contents Company Group Structure
134 Entitas Anak dan Entitas Asosiasi
Subsidiaries and Associates
136 Kronologi Penerbitan dan/atau
ii Sanggahan dan Pernyataan 03 Pencatatan Saham
Share Issuance and/or Share Listing
Profil
Kehati-hatian
Chronology
Disclaimer and Cautionary Statements
1 Penjelasan Tema
Theme Explanation Perusahaan 137 Kronologi Penerbitan dan/atau
Pencatatan Efek Lainnya
Chronology of The Issuance and/or The
2 Kesinambungan Tema Company Profile Listing of Other Securities
Theme Continuity
138 Informasi Mengenai Kantor Akuntan
4 Daftar Isi Publik dan Akuntan Publik
Table of Contents 62 Identitas Perusahaan
Information Regarding Public
Company Identity
Accountant Firm and Public Accountant
6 Pencapaian 2024
2024 Achievement 63 Riwayat Singkat Tugu Insurance
Brief History of Tugu Insurance 139 Lembaga dan/atau Profesi Penunjang
Pasar Modal Lainnya
8 Penghargaan dan Sertifikasi
Awards and Certifications 66 Jejak Langkah Other Capital Market Supporting
Milestone Institutions and/or Professions
17 Sertifikat
Certification 70 Visi, Misi, dan Tata Nilai Budaya
Perusahaan
Vision, Mission, and Corporate Culture
Value
01 73 Makna Logo Perusahaan 04
Kilas 74
Meaning of The Company’s Logo
Bidang Usaha
Analisa &
Kinerja Business Line
Pembahasan
76
Manajemen
Produk dan Jasa
Performance Review Products and Services
84 Peta Wilayah Operasional
Management Discussion
22 Ikhtisar Keuangan Operational Areas
Financial Highlights and Analysis
86 Keanggotaan dalam Asosiasi
27 Ikhtisar Saham Membership in Associations
Share Highlights 142 Tinjauan Makroekonomi
88 Struktur Organisasi Tugu Insurance
Tugu Insurance Organizational Structure Macroeconomic Review
29 Ikhtisar Obligasi, Sukuk
atau Obligasi Konversi 145 Tinjauan Industri
90 Profil Dewan Komisaris
Bond, Sukuk or Convertible Bonds Board of Commissioners’ Profiles Industry Review
Highlights
102 Informasi Mengenai Rangkap Jabatan 155 Tinjauan Operasional
29 Laporan dan Rating Analis Anggota Dewan Komisaris Operational Review
Analysts Rating and Reports Information Regarding Concurrent
158 Tinjauan Keuangan
30 Peristiwa Penting 2024 Positions of Members of The Board of Financial Review
Events Highlights 2024 Commissioners
172 Kemampuan Membayar Kewajiban
103 Informasi Mengenai Hubungan Afiliasi Ability to Pay Liabilities
Anggota Dewan Komisaris
174 Kolektabilitas
02 Information Regarding Concurrent
Positions of Members of The Board of Collectability
Laporan Commissioners 175 Struktur dan Pengelolaan Modal
Capital Structure and Management
105
Manajemen
Profil Direksi
Board of Directors’ Profiles 176 Ikatan Material untuk Investasi
Barang Modal
116 Informasi Mengenai Rangkap Jabatan
Management Report Anggota Direksi Material Commitment for
Information Regarding Concurrent Capital Expenditure
Positions of Members of The Board of 176 Realisasi Investasi Barang Modal
36 Laporan Dewan Komisaris
Directors
Report of the Board of Commissioners Realization of Capital Expenditure
46 Laporan Direksi 117 Informasi Mengenai Hubungan Afiliasi 178 Informasi Material Terkait Investasi,
Anggota Direksi Ekspansi, Divestasi, Akuisisi dan
Report of the Board of Directors
Information Regarding Affiliation Restrukturisasi Utang/Modal
58 Surat Pernyataan Dewan Komisaris Relationships of The Board of Directors Material Information Related to
Statement Letter of Board of Members Investment, Expansion, Divestment,
Commissioners Acquisition and Debt/Capital
118 Sumber Daya Manusia
59 Surat Pernyataan Direksi Human Resource Restructuring
Statement Letter of Board of Directors
128 Informasi Mengenai Kepemilikan 179 Penjualan dan Pemasaran
Saham Sales and Marketing
Shareholding Information
4 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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181 Dampak Perubahan Harga terhadap 319 Komite dan Fungsi di Bawah Direksi 06
Tanggung
Penjualan/Pendapatan Perusahaan Committees and Functions Under the
The Impact of Price Changes on the Board of Directors
Jawab Sosial
Company’s Sales/Revenue
384 Sistem Pengendalian Internal
182 Strategi, Target dan Realisasi 2024 Internal Control System
Strategies, Target and Realization
2024
388 Kebijakan Manajemen Risiko
Risk Management Policies
Perusahaan
185 Prospek Usaha dan Pedoman 2025 407 Tata Kelola Teknologi Informasi Corporate Social
Business Outlook and Guidance for
2025
Information Technology Governance Responsibility
415 Perkara Hukum yang Dihadapi
187 Dividen Perseroan, Entitas Anak, Anggota
Dividend
Dewan Komisaris dan Anggota Direksi 462 Tata Kelola Tanggung Jawab
Sosial Perusahaan
188 Penggunaan Dana Hasil Penawaran yang Menjabat
Corporate Social Responsibility
Umum Legal Cases Faced by The Company,
Governance
The Use of Proceeds from Public Subsidiaries, Members of The Board
Offerings of Commissioners, and The Board of 475 Pemenuhan Surat Edaran Otoritas Jasa
Directors Keuangan No. 16/SEOJK.04/2021
190 Informasi dan Fakta Material setelah
Fulfillment of Financial Services
Tanggal Laporan Keuangan 417 Sanksi Administratif Terhadap Authority Circular Letter No. 16/
Material Information Subsequent to Perseroan, Anggota Dewan Komisaris,
SEOJK.04/2021
Financial Report Date dan Anggota Direksi yang Menjabat
Administrative Sanctions Imposed on
190 Informasi Keuangan yang Telah The Company, Members of The Board
Dilaporkan yang Mengandung Kejadian
of Commissioners, and Members of
Luar Biasa dan Jarang Terjadi
Reported Financial Information
The Board of Directors 07
Containing Extraordinary and Rare
Events
418 Kode Etik
Code of Conduct Laporan
190 Informasi Material Terkait Transaksi
Material yang Mengandung Benturan
422 Pemberian Kompensasi Jangka Panjang
Berbasis Kinerja Kepada Direksi dan
Keuangan
Kepentingan Karyawan dalam Bentuk Management
Material Information on Material Stock Option Plan (MESOP)
Audited Report
Transactions Containing Conflict of Provision of Performance-Based Long-
Interest Term Compensation to the Board of 479 Checklist AR 2024 dengan Surat
Directors and Employees in the Form Edaran Otoritas Jasa Keuangan
191 Informasi Material Terkait of Management Stock Option Plan
Transaksi Afiliasi Nomor 16/SEOJK.04/2021 tentang
(MESOP) Bentuk dan Isi Laporan Tahunan Emiten
Material Information on
Affiliates Transactions 423 Kebijakan Pengungkapan Informasi atau Perusahaan Publik
Mengenai Kepemilikan Saham Anggota Checklist of AR 2024 with OJK’s
196 Perubahan Peraturan Perundang-
Direksi dan Dewan Komisaris Circular Letter Number 16/
Undangan yang Berpengaruh Signifikan SEOJK.04/2021 on the Form and
Information Disclosure Policy on Share
terhadap Perusahaan Content of Annual report of the Issuers
Ownership of The Board of Directors
Regulatory Changes with Significant and Public Company
and The Board of Commissioners
Impact on the Company
427 Sistem Pelaporan Pelanggaran 499 Laporan Keuangan
197 Perubahan Kebijakan Akuntansi Whistleblowing System Audited Report
Changes in Accounting Policy
430 Kebijakan Antikorupsi
Anticorruption Policy
444 Strategi Anti-Fraud
05 Anti-Fraud Strategy
Tata Kelola 446 Program Anti Pencucian Uang (APU)
dan Pencegahan Pendanaan Terorisme
Perusahaan (PPT)
Anti-Money Laundering (AML) Counter-
Terrorism Financing (CTF) Program
Good Corporate Governance 449 Penanganan Keluhan dan
Pengaduan Pelanggan
Customer Complaints Handling
200 Komitmen dan Prinsip Tata Kelola
Perusahaan and Resolution
Commitment and Principles of 452 Kesesuaian Penerapan
Corporate Governance Tata Kelola Tugu Insurance
Terhadap Pedoman
203 Implementasi, Pengawasan dan
Penilaian Tata Kelola Perusahaan Tata Kelola Perusahaan Terbuka
Implementation, Supervision, and Conformity of Tugu Insurance
Evaluation of Corporate Governance GCG Implementation with the
Governance Guidelines for
208 Struktur dan Fungsi Organ Tata Kelola Public Companies
Perusahaan
Organ Structure and Function of
Corporate Governance
277 Komite dan Fungsi di Bawah Dewan
Komisaris
Committees Under The Board of
Commissioners
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 5
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Pencapaian 2024
Achievement 2024
Jumlah Pendapatan
Premi Bruto Underwriting
Rp8,5 Rp3,0
triliun triliun
Gross Premium: Total Underwriting Revenues:
IDR8.5 trillion IDR3.0 trillion
Jumlah Pendapatan Laba Tahun Berjalan
Rp3,9 Rp750,5
triliun miliar
Total Revenues: Income for The Year:
IDR3.9 trillion IDR750.5 billion
6 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Jumlah Aset Jumlah Liabilitas
Rp26,4 Rp15,8
triliun triliun
Total Assets: Total Liabilities:
IDR26.4 trillion IDR15.8 trillion
Jumlah Ekuitas
Rp10,5
triliun
Total Equity:
IDR10.5 trillion
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 7
Page 10
Penghargaan
dan Sertifikasi
Awards and Certifications
Best Public Relations in Digitalization Innovation
to Reach Positive Performance Growth (Category General Insurance)
Tanggal 25 Januari 2024
Date 25 January 2024
Nama Acara Indonesia Public Relation Awards (IPRA) 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Best Performance Chief Financial Officer in Optimizing Business Line
Performance to Reach Profitability (Category General Insurance)
Tanggal 25 Januari 2024
Date 25 January 2024
Nama Acara Indonesia Best CFO Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
Best Stock Awards 2024 kategori Sektor Keuangan Mid Cap
Tanggal 25 Januari 2024
Date 25 January 2024
Nama Acara Best Stock Awards
Name of Event
Diberikan oleh Investor Trust & Infovesta
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
8 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Indonesia’s TOP 20 Digital Financial Brands Awards 2024
(E-Customer Service in General Finance Category)
Tanggal 25 Februari 2024
Date 25 February 2024
Nama Acara The 5th Indonesia’s Top 20 Digital Financial Brands Awards 2024
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Excellence Good Corporate Governance Ethic in Enhancing
Corporate Positive Performance (Category General Insurance)
Tanggal 5 Maret 2024
Date 5 March 2024
Nama Acara Indonesia Excellence GCG Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Best CEO Awards 2024 (Category General Insurance)
Tanggal 21 March 2024
Date 21 March 2024
Nama Acara The 5th Indonesia CEO Awards
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
The Most Innovative General Insurance for Technology Implementation
to Provide Reliable Service (Category General Insurance)
Tanggal 26 March 2024
Date 26 March 2024
Nama Acara Indonesia Digital Innovation Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 9
Page 12
The Best General Insurance CEO in Digital Brand 2024
Tanggal 1 April 2024
Date 1 April 2024
Nama Acara 13th Digital Brand Awards 2024
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
2nd Winner of Best External Market Penetration 2023
Tanggal 30 April 2024
Date 30 April 2024
Nama Acara Synergy Recharge Expo
Name of Event
Diberikan oleh Pertamina
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
3rd Winner of Best Value Creation Achievement 2023
Tanggal 30 April 2024
Date 30 April 2024
Nama Acara Synergy Recharge Expo
Name of Event
Diberikan oleh Pertamina
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Best 50 CSR Brand Equity Awards 2024
Tanggal 7 Mei 2024
Date 7 May 2024
Nama Acara Indonesia 50 Best CSR Awards 2024
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
10 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Best Leader for Business Development in Providing
Insurance Service to the Broader Segment
(Category General Insurance Total Asset Above 5T)
Tanggal 16 Mei 2024
Date 16 May 2024
Nama Acara Indonesia Financial Top Leader Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
The Best Sectors Investortrust Companies 2024 (Sektor Keuangan)
Tanggal 16 Mei 2024
Date 16 May 2024
Nama Acara The Best InvestorTrust Companies 2024
Name of Event
Diberikan oleh Investor Trust
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Bisnis Indonesia Awards – Kategori Asuransi 2024
Tanggal 13 Juni 2024
Date 13 June 2024
Nama Acara Bisnis Indonesia Awards 2024
Name of Event
Diberikan oleh Bisnis Indonesia
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Top 10 SOEs Popular Leader 2024
Tanggal 20 Juni 2024
Date 20 June 2024
Nama Acara Top 10 SOEs Popular Leaders Awards 2024
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 11
Page 14
Best Brand Popularity in General Insurance Category
Tanggal 20 Juni 2024
Date 20 June 2024
Nama Acara BUMN Brand Equity Awards 2024
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Cedant Terbaik Pertumbuhan Premi Sesi Tahun 2023
Tanggal 20 Juni 2024
Date 20 June 2024
Nama Acara Maipark Awards 2024
Name of Event
Diberikan oleh Maipark
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Best Sharia Business Unit of General Insurance 2024 with
Developm ent of Strategic Collaboration to Strengthen Insurance Marketing &
Distribution Channel (Category Sharia Business Unit of General Insurance)
Tanggal 2 Juli 2024
Date 2 July 2024
Nama Acara Indonesia Sharia and Halal Top Brand Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Very Good in the HR Excellence Awards 2024
(Category Reward Management & Talent Retention Category)
Tanggal 24 Juli 2024
Date 24 July 2024
Nama Acara HR Excellence Awards 2024
Name of Event
Diberikan oleh SWA
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
12 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 15
Best Insurance Kategori Asuransi Umum Aset di atas 5 Triliun
Tanggal 25 Juli 2024
Date 25 July 2024
Nama Acara Investortrust Best Insurance 2024
Name of Event
Diberikan oleh Investor Trust
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
The Excellent Performance General Insurance Company
(Gross Premium >IDR2,5 trillion)
Tanggal 26 Juli 2024
Date 26 July 2024
Nama Acara Infobank 25th Insurance Awards
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
The Excellent Performance General Insurance Company
in 10 Consecutive Years (2014-2023)
Tanggal 26 Juli 2024
Date 26 July 2024
Nama Acara Infobank 25th Insurance Awards
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Market Leaders Award 2024
Tanggal 30 Juli 2024
Date 30 July 2024
Nama Acara 2024 Insurance Market Leader Awards
Name of Event
Diberikan oleh Media Asuransi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 13
Page 16
Indonesia Most Acclaimed Company 2024 with Outstanding Provision of
Insurance Product and Digital Service Diversification
(Category General Insurance)
Tanggal 31 Juli 2024
Date 31 July 2024
Nama Acara Indonesia Most Acclaimed Companies (IMACO) Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Popular Corporate Reputation Awards 2024
(Category General Insurance)
Tanggal 9 Agustus 2024
Date 9 August 2024
Nama Acara Indonesia Corporate Reputation Awards 2024
Name of Event
Diberikan oleh The Iconomics
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Most Popular Brand of the Year 2024
(Category General Insurance)
Tanggal 3 September 2024
Date 3 September 2024
Nama Acara 7 Most Popular Brand of the Year 2024
Name of Event
Diberikan oleh Jawa Pos
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Best General Insurance Sharia Unit
(Ekuitas Rp25 Miliar – Rp100 Miliar)
Tanggal 1 Oktober 2024
Date 1 October 2024
Nama Acara Best General Insurance Sharia Unit 2024
Name of Event
Diberikan oleh Media Asuransi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
14 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 17
Best General Insurance 2024 (Ekuitas Rp1,5 Triliun Ke Atas)
Tanggal 1 Oktober 2024
Date 1 October 2024
Nama Acara Best General Insurance 2024
Name of Event
Diberikan oleh Media Asuransi
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
The Best Sharia General insurance 2024
(Excellent Financial Performance 2023)
Tanggal 3 Oktober 2024
Date 3 October 2024
Nama Acara Infobank 13th Sharia Awards
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
The Best State Owned Enterprise Subsidiary 2024
(Excellent Financial Performance 2023)
Tanggal 3 Oktober 2024
Date 3 October 2024
Nama Acara The Best SOE
Name of Event
Diberikan oleh The Asian Post
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
The Best Performing General Insurance 2024
Based on Financial Performance 2021-2023
(General Insurance Category with Premium Gross Above 2,5 Trillion)
Tanggal 22 Oktober 2024
Date 22 October 2024
Nama Acara Top 20 Financial Institutions 2024
Name of Event
Diberikan oleh The Finance
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 15
Page 18
Best of The Best CFO in Financial Institution 2024
(General Insurance Category with Premium Gross Above 2,5 Trillion)
Tanggal 22 Oktober 2024
Date 22 October 2024
Nama Acara The Finance Best CFO 2024
Name of Event
Diberikan oleh The Finance
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
The Outstanding Achievement in Energy & Corporate Insurance Solutions
Tanggal 31 Oktober 2024
Date 31 October 2024
Nama Acara CSA Awards 2024
Name of Event
Diberikan oleh CSA
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Indonesia Most Reputable Companies 2024
Predicate Very Good (Category General Insurance)
Tanggal 19 November 2024
Date 19 November 2024
Nama Acara Indonesia Most Reputable Companies 2024
Name of Event
Diberikan oleh SWA
Awarded By
Penerima Penghargaan Tugu Insurance
Award Recipient
Best Chief Marketing Officer 2024 in Optimizing Market Potential
to Increase Premium Revenue Growth
Tanggal 28 November 2024
Date 28 November 2024
Nama Acara Indonesia Best CMO Awards 2024
Name of Event
Diberikan oleh Warta Ekonomi
Awarded By
Penerima Penghargaan Ery Widiatmoko
Award Recipient (Insurance Marketing Director of Tugu Insurance)
16 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 19
Infobank Top 100 CEO
Tanggal 29 November 2024
Date 29 November 2024
Nama Acara Infobank Top 100 CEO 2024
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Tatang Nurhidayat
Award Recipient (President Director of Tugu Insurance)
Infobank The 200 Future Leader 2024
Tanggal 29 November 2024
Date 29 November 2024
Nama Acara Infobank The 200 Future Leaders Forum 2024
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Sudarlin
Award Recipient (Technical Director of Tugu Insurance)
Infobank The 200 Future Leader 2024
Tanggal 29 November 2024
Date 29 November 2024
Nama Acara Infobank The 200 Future Leaders Forum 2024
Name of Event
Diberikan oleh Infobank
Awarded By
Penerima Penghargaan Emil Hakim
Award Recipient (Finance & Corporate Service Director of Tugu Insurance)
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 17
Page 20
01
Kilas
Kinerja
Performance Review
18 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 21
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 19
Page 22
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Total Aset Total Liabilitas
Total Asset Total Liabilities
(dalam ribuan Rp) | (in thousand IDR) (dalam ribuan Rp) | (in thousand IDR)
2024 26.350.070.532 2024 15.841.520.960
2023 25.137.942.615 2023 14.858.084.382
2022 21.581.305.468 2022 12.409.207.168
2021 20.188.056.012 2021 11.398.324.596
2020 19.460.094.655 2020 11.001.531.708
Total Ekuitas Pendapatan Underwriting
Total Equity Underwriting Revenue
(dalam ribuan Rp) | (in thousand IDR) (dalam ribuan Rp) | (in thousand IDR)
2024 10.508.549.572 2024 2.970.259.235
2023 10.279.858.233 2023 2.609.564.109
2022 9.172.098.300 2022 2.342.791.839
2021 8.789.731.416 2021 2.124.227.478
2020 8.458.562.947 2020 1.906.765.752
Total Pendapatan Total Beban Klaim Neto
Total Revenue Total Net Claim Expenses
(dalam ribuan Rp) | (in thousand IDR) (dalam ribuan Rp) | (in thousand IDR)
2024 3.933.396.286 (2.047.669.814) 2024
2023 3.591.484.745 (1.911.033.003) 2023
2022 3.093.893.211 (1.672.348.143) 2022
2021 2.815.916.917 (1.474.636.178) 2021
2020 2.460.515.704 (1.330.450.092) 2020
20 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 23
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Beban Usaha Beban Usaha Lainnya
Operating Expenses Other Operating Expenses
(dalam ribuan Rp) | (in thousand IDR) (dalam ribuan Rp) | (in thousand IDR)
(760.121.157) 2024 (309.633.130) 2024
(812.220.956) 2023 (298.263.982) 2023
(771.135.847) 2022 (258.769.400) 2022
(732.365.797) 2021 (225.558.648) 2021
(638.943.980) 2020 (214.189.376) 2020
Total Beban Laba Tahun Berjalan
Total Expenses Income for the Year
(dalam ribuan Rp) | (in thousand IDR) (dalam ribuan Rp) | (in thousand IDR)
(3.011.381.019) 2024 2024 750.512.791
(1.966.917.441) 2023 2023 1.302.101.269
(2.593.743.786) 2022 2022 395.105.340
(2.450.406.672) 2021 2021 327.230.307
(2.118.196.014) 2020 2020 271.915.938
Laba Tahun Berjalan yang Dapat
Diatribusikan Kepada Pemilik Entitas Induk
Income for the Year Attributable to Equity Holders of
the Parent Entity
(dalam ribuan Rp) | (in thousand IDR)
2024 700.854.404
2023 1.322.393.811
2022 347.150.768
2021 316.480.352
2020 265.143.084
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 21
Page 24
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Ikhtisar Keuangan
Financial Highlights
Laporan Posisi Keuangan Konsolidasian
Consolidated Statements of Financial Positions
(dalam ribuan Rp) (in thousands IDR)
Keterangan
2024 2023 2022 2021 2020
Description
ASET
ASSETS
Kas dan Bank 358.000.320 537.857.224 608.986.099 545.991.675 318.092.437
Cash On Hand and in Banks
Deposito Berjangka 2.160.840.127 3.080.099.520 1.836.714.472 2.330.847.573 1.962.332.879
Time Deposits
Efek-Efek 7.677.715.514 6.071.399.365 4.996.347.104 3.867.456.464 4.172.350.041
Marketable Securities
Penyertaan Langsung 28.019.206 36.254.223 35.168.056 34.878.963 33.590.020
Direct Participation
Investasi pada Entitas Asosiasi 177.265.802 166.639.022 162.313.843 148.547.057 141.761.482
Investment in Associates
Properti Investasi 1.179.943.393 2.317.627.368 2.292.877.995 2.293.619.974 1.990.304.046
Investment Properties
Piutang Premi dan Sesi, Neto 1.616.850.321 1.859.030.780 2.075.334.496 1.871.820.028 1.357.511.784
Premium and Cession Receivables, Net
Piutang Koasuransi, Neto 192.273.045 422.878.924 128.981.110 202.500.141 296.362.781
Coinsurance Receivables, Net
Piutang Reasuransi dan Retrosesi, Neto 486.022.965 655.594.034 387.892.121 687.020.496 477.239.169
Reinsurance and Retrocession
Receivables, Net
Piutang Lain-Lain 335.086.216 266.796.478 214.226.869 188.674.959 154.119.267
Other Receivables
Aset Tetap, Neto 2.906.940.891 1.614.302.861 1.443.394.444 1.258.070.256 1.433.657.253
Fixed Assets, Net
Aset Tak Berwujud, Neto 123.678.966 113.420.431 35.568.701 21.700.154 23.212.339
Intangible Assets, Net
Aset Hak Guna, Neto 23.367.109 10.357.593 8.540.167 10.049.815 8.761.513
Right Use Of Assets, Net
Aset Reasuransi 8.023.804.564 7.262.059.610 6.660.510.096 6.125.300.194 6.414.551.673
Reinsurance Assets
Biaya Dibayar di Muka dan Uang Muka 56.730.903 32.437.029 36.654.655 27.734.918 90.985.731
Prepaid Expenses and Advances
Tagihan Kelebihan Pembayaran Pajak - - 661.001 1.261.207 29.627.440
Claims For Tax Refund
Pajak Dibayar di Muka 79.681.846 35.238.365 46.731.686 32.897.057 7.273.829
Prepaid Taxes
Aset Pajak Tangguhan 293.205.718 281.650.749 244.381.919 231.498.394 220.383.460
Deferred Tax Assets, Net
Aset Lain-Lain 630.643.626 374.299.039 366.020.634 308.186.687 327.977.511
Other Assets
Jumlah Aset 26.350.070.532 25.137.942.615 21.581.305.468 20.188.056.012 19.460.094.655
Total Assets
22 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 25
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Keterangan
2024 2023 2022 2021 2020
Description
LIABILITAS DAN EKUITAS
LIABILITIES AND EQUITY
LIABILITAS
LIABILITIES
Utang Reasuransi dan Retrosesi 1.835.027.181 1.891.733.387 1.461.086.212 1.724.054.740 1.278.809.470
Reinsurancea and Retrocession
Payables
Utang Komisi 96.142.324 43.569.121 32.859.510 37.115.840 33.081.970
Commissions Payables
Utang Klaim 155.449.063 313.786.300 129.055.750 118.188.910 135.091.433
Claims Payables
Utang Koasuransi 91.592.644 73.562.226 46.887.949 104.378.586 21.107.798
Coinsurance Payables
Pinjaman Diterima 527.075.229 296.149.553 121.346.712 43.326.065 7.789.882
Borrowings
Utang Pembiayaan Konsumen dan 117.815.784 45.513.893 68.616.376 158.955.645 186.346.113
Sewa Pembiayaan
Consumer Finance and Lease
Payables
Liabilitas Sewa 24.567.325 6.194.693 2.917.784 6.850.134 6.177.949
Lease Liabilities
Beban Akrual 289.365.193 290.477.838 137.516.459 111.155.631 97.083.090
Accrued Expenses
Tagihan Kekurangan Pembayaran Pajak - 3.256.171 - - -
Tax Underpayment Bill
Utang Pajak 50.973.809 180.342.673 64.785.768 20.577.337 42.719.250
Taxes Payables
Utang Lain-Lain 251.399.834 270.437.331 263.685.403 206.668.743 265.929.235
Other Payables
Liabilitas Asuransi 12.171.114.196 11.147.535.021 9.797.252.044 8.560.323.315 8.610.418.712
Insurance Liabilities
Liabilitas Imbalan Kerja 230.998.378 295.526.175 283.197.201 306.729.650 316.976.806
Employee Benefits Liabilities
Jumlah Liabilitas 15.841.520.960 14.858.084.382 12.409.207.168 11.398.324.596 11.001.531.708
Total Liabilities
EKUITAS
EQUITY
Modal Saham 177.778.780 177.778.780 177.778.780 177.777.780 177.777.780
Share Capital
Tambahan Modal Disetor 625.460.209 625.460.209 625.460.209 625.432.789 625.432.789
Additional Paid in Capital
Selisih Kurs Penjabaran Laporan (32.356.770) (37.679.259) (32.181.241) (60.271.161) (94.756.812)
Keuangan
Translation Adjustments
Selisih Transaksi antara Pemegang 105.555.883 105.555.883 105.555.883 105.555.883 105.555.883
Saham Entitas Anak
Difference in Transaction Between
Shareholders of a Subsidiary
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 23
Page 26
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keterangan
2024 2023 2022 2021 2020
Description
Keuntungan yang Belum Direalisasi (95.569.506) 8.409.087 (26.735.318) 10.066.729 46.268.658
atas Efek-Efek yang Tersedia untuk
Dijual, Neto
Unrealized Gains on Available-For-Sale
Marketable Securities, Net
Surplus Revaluasi Aset Tetap, Neto 1.998.384.997 2.027.351.117 2.013.558.080 1.888.997.593 1.798.590.251
Fixed Assets Revaluation Surplus
Saldo Laba Sudah Ditentukan 413.313.271 413.313.271 413.313.271 413.313.271 413.313.271
Penggunaannya
Appropriated Retained Earnings
Saldo Laba Belum Ditentukan 6.578.903.836 6.262.074.018 5.162.579.761 4.934.450.781 4.697.175.908
Penggunaannya
Unappropriated Retained Earnings
Sub-Jumlah Ekuitas yang Dapat 9.771.470.700 9.582.263.106 8.439.329.425 8.095.323.665 7.769.357.728
Diatribusikan kepada Pemilik Entitas
Induk
Equity Attributable to Equity Holders of
The Parent
Kepentingan Non-Pengendali 737.078.872 697.595.127 732.768.875 694.407.751 689.205.219
Non-Controlling Interest
Jumlah Ekuitas 10.508.549.572 10.279.858.233 9.172.098.300 8.789.731.416 8.458.562.947
Total Equity
Jumlah Liabilitas dan Ekuitas 26.350.070.532 25.137.942.615 21.581.305.468 20.188.056.012 19.460.094.655
Total Liabilities and Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Statements of Profit Loss and Other Comprehensive Income
(dalam ribuan Rp) (in thousands IDR)
Keterangan
2024 2023 2022 2021 2020
Description
PENDAPATAN ASURANSI DAN REASURANSI
INSURANCE AND REINSURANCE REVENUES
Premi Bruto 8.536.877.518 7.709.524.068 6.705.580.219 5.986.273.156 6.057.126.567
Gross Premium
Premi Reasuransi dan Retrosesi (4.754.995.256) (4.368.028.394) (3.518.922.914) (3.298.342.753) (3.691.463.444)
Reinsurance & Retrocession Premium
Perubahan Premi yang Belum (314.399.802) (711.844.970) (74.292.747) 28.101.568 26.142.072
Merupakan Pendapatan dan Liabilitas
Manfaat Polis Masa Depan
Changes in Unearned Premium
Reserves and Policy Benefits
Perubahan Aset Reasuransi atas Premi 296.196.402 450.280.969 (267.439.418) (47.256.005) (9.841.401)
yang Belum Merupakan Pendapatan dan
Liabilitas Manfaat Polis Masa Depan
Changes in Reinsurance Assets of
Unearned Premium Reserves and Policy
Benefits
Pendapatan Premi, Neto 3.763.678.862 3.079.931.673 2.844.925.140 2.668.775.966 2.381.963.794
Premium Income, Net
24 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 27
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Keterangan
2024 2023 2022 2021 2020
Description
Beban Komisi, Neto (793.419.627) (470.367.564) (502.133.301) (544.548.488) (475.198.042)
Commission Expenses, Net
Jumlah Pendapatan Underwriting 2.970.259.235 2.609.564.109 2.342.791.839 2.124.227.478 1.906.765.752
Total Underwriting Revenues
Pendapatan Investasi 443.286.914 579.830.038 352.391.330 374.065.222 237.263.036
Investment Income
Pendapatan Usaha Lainnya 519.850.137 402.090.598 398.710.042 317.624.217 316.486.916
Other Operating Revenues
Jumlah Pendapatan 3.933.396.286 3.591.484.745 3.093.893.211 2.815.916.917 2.460.515.704
Total Revenues
BEBAN
EXPENSES
Klaim Bruto (2.689.824.306) (2.785.386.889) (2.284.625.795) (2.832.901.939) (3.134.804.978)
Gross Claims
Klaim Reasuransi dan Retrosesi 885.785.313 1.361.523.348 972.264.314 1.578.267.405 1.705.177.162
Reinsurance and Retrocession Claims
Perubahan Estimasi Liabilitas Klaim (709.179.372) (638.438.007) (1.162.635.982) 21.993.829 1.289.249.127
Changes In Estimated Claims Liabilities
Perubahan Aset Reasuransi atas 465.548.551 151.268.545 802.649.320 (241.995.473) (1.190.071.403)
Estimasi Liabilitas Klaim
Changes in Reinsurance Assets for
Estimated Claims Liabilities
Jumlah Beban Klaim Neto (2.047.669.814) (1.911.033.003) (1.672.348.143) (1.474.636.178) (1.330.450.092)
Total Net Claim Expenses
Beban Usaha (760.121.157) (812.220.956) (771.135.847) (732.365.797) (638.943.980)
Operating Expenses
Beban Usaha Lainnya (309.633.130) (298.263.982) (258.769.400) (225.558.648) (214.189.376)
Other Operating Expenses
Pendapatan (Beban) Lain-Lain, Neto 106.043.082 1.054.600.500 108.509.604 (17.846.049) 65.387.434
Other Income (Expenses), Net
Jumlah Beban (3.011.381.019) (1.966.917.441) (2.593.743.786) (2.450.406.672) (2.118.196.014)
Total Expenses
Laba Sebelum Bagian Laba Bersih 922.015.267 1.624.567.304 500.149.425 365.510.245 342.319.690
Entitas Asosiasi dan Beban Pajak Final
dan Pajak Penghasilan
Income Before Share in Associates' Net
Income and Final Tax and Income Tax
Expenses
Bagian Laba Bersih Entitas Asosiasi 11.366.384 7.763.237 17.047.789 8.946.110 4.153.403
Share In Associates' Net Income
Laba Sebelum Beban Pajak Final dan 933.381.651 1.632.330.541 517.197.214 374.456.355 346.473.093
Pajak Penghasilan
Income Before Final Tax and Income Tax
Expenses
Beban Pajak Final (69.280.090) (52.159.894) (30.496.363) (36.452.251) (40.626.959)
Final Tax Expense
Laba Sebelum Beban Pajak Penghasilan 864.101.561 1.580.170.647 486.700.851 338.004.104 305.846.134
Income Before Income Tax Expense
Beban Pajak Penghasilan (113.588.770) (278.069.378) (91.595.511) (10.773.797) (33.930.196)
Income Tax Expense
Laba Tahun Berjalan 750.512.791 1.302.101.269 395.105.340 327.230.307 271.915.938
Income For The Year
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 25
Page 28
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keterangan
2024 2023 2022 2021 2020
Description
Laba Tahun Berjalan yang dapat Diatribusikan Kepada:
Income for the Year Attributable To:
Pemilik Entitas Induk 700.854.404 1.322.393.811 347.150.768 316.480.352 265.143.084
Equity Owners of the Parent Entity
Kepentingan Non-Pengendali 49.658.387 (20.292.542) 47.954.572 10.749.955 6.772.854
Non-Controlling Interest
Jumlah Penghasilan Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada:
Total Comprehensive Income for the Year Attributable to:
Pemilik Entitas Induk 627.454.605 1.372.504.501 482.800.353 418.766.016 326.019.818
Equity Owners of the Parent Entity
Kepentingan Non-Pengendali 39.494.656 (20.382.187) 43.658.721 10.130.016 7.585.590
Non-Controlling Interest
Laba Per Saham yang dapat 197 372 195 178 149
Diatribusikan Kepada Pemilik Entitas
Induk (Nilai Penuh)
Earning Per Share Attributable to
Equity Owners of the Parent Entity (Full
Amount)
Rasio Keuangan Konsolidasian
Consolidated Financials Ratios
Keterangan
2024 2023 2022 2021 2020
Description
Rasio Keuangan Konsolidasian
Consolidated Financial Ratios
Margin Laba Usaha 20,74% 15,87% 12,66% 13,61% 11,26%
Operating Margin
Marjin Laba/(Rugi) Bersih 19,08% 36,36% 12,77% 11,62% 11,05%
Net Income/(loss) Margin
Rasio Laba Terhadap Jumlah Aset 2,80% 5,18% 1,83% 1,62% 1,40%
Return on Assets Ratio
Rasio Laba Terhadap Jumlah Ekuitas 7,10% 12,67% 4,31% 3,72% 3,21%
Return on Equity Ratio
Rasio Lancar 516,14% 460,20% 460,59% 400,29% 482,54%
Current Ratio
Rasio Liabilitas Terhadap Ekuitas 150,70% 144,54% 135,29% 129,68% 130,06%
Liabilities to Equity Ratio
Rasio Liabilitas Terhadap Jumlah Aset 60,10% 59,11% 57,50% 56,46% 56,53%
Liabilities to Assets Ratio
26 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Ikhtisar Saham
Share Highlights
Informasi Pemegang Saham
Shareholders Information
Per 31 Desember 2024, komposisi pemegang saham As of 31 December 2024, Tugu Insurance’s shareholder
Tugu Insurance terdiri dari PT Pertamina (Persero) composition is as follows: PT Pertamina (Persero) held a
sebesar 58,5%, UOB Kay Hian Pte.Ltd sebesar 15,89%, majority stake of 58.5%, UOB Kay Hian Pte. Ltd. owned
Samsung Fire & Marine Insurance Co., Ltd sebesar 5,29%, 15.89%, Samsung Fire & Marine Insurance Co., Ltd.
manajemen yang terdiri dari Direksi maupun Dewan held 5.29%, the management—comprising the Board of
Komisaris <1,00% serta masyarakat sebesar 20,32%. Directors and the Board of Commissioners—collectively
held less than 1%, and the public held 20.32%
Kinerja Saham
Share Performance
Per 31 Desember 2024 dan 2023, nilai kapitalisasi pasar As of 31 December 2024 and 2023, the
Tugu Insurance masing-masing sebesar Rp3.662.242.868 market capitalization of Tugu Insurance stood at
ribu dan Rp3.626.687.112 ribu. Pergerakan saham Tugu IDR3,662,242,868 thousand and IDR3,626,687,112
Insurance di sepanjang 2024 sebagai berikut: thousand, respectively. Tugu Insurance’s stock price
movement in 2024 is summarized below:
Keterangan (2024)
Q1 Q2 Q3 Q4
Description (2024)
Jumlah Saham Beredar 3.555.575.600 3.555.575.600 3.555.575.600 3.555.575.600
Total Outstanding Shares
Kapitalisasi Pasar (Rp) 4.213.357.086.000 3.751.132.258.000 4.248.912.842.000 3.662.242.868.000
Market Capitalization (IDR)
Harga Tertinggi (Rp) 1.250 1.285 1.305 1.205
Highest Price (IDR)
Harga Terendah (Rp) 1.020 995 1.030 1.005
Lowest Price (IDR)
Harga Penutupan (Rp) 1.185 1.055 1.195 1.030
Closing Price (IDR)
Volume Perdagangan (Saham) 157.697.900 207.702.000 414.349.500 268.315.100
Trading Volume (Shares)
Keterangan (2023)
Q1* Q2 Q3 Q4
Description (2023)
Jumlah Saham Beredar 1.777.787.800 3.555.575.600 3.555.575.600 3.555.575.600
Total Outstanding Shares
Kapitalisasi Pasar (Rp) 3.555.575.600.000 4.373.357.988.000 4.337.802.232.000 3.626.687.112.000
Market Capitalization (IDR)
Harga Tertinggi (Rp) 1.115 1.445 1.480 1.330
Highest Price (IDR)
Harga Terendah (Rp) 743 968 1.175 985
Lowest Price (IDR)
Harga Penutupan (Rp) 1.000 1.230 1.220 1.020
Closing Price (IDR)
Volume Perdagangan (Saham) 191.510.600 365.396.300 432.458.400 273.661.900
Trading Volume (Shares)
* Jumlah saham beredar, harga dan volume disesuaikan setelah stock split (1:2)
The outstanding shares, price, and volume have been adjusted following the stock split (1:2)
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 27
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Grafik Perdagangan Saham Tahun 2024
Graph of Share Performance in 2024
1.300 25.000.000
1.200 20.000.000
1.100 15.000.000
1.000 10.000.000
900 5.000.000
800 0
2 JAN 24 2 FEB 24 2 MAR 24 2 APR 24 2 MAY 24 2 JUN 24 2 JUL 24 2 AUG 24 2 SEP 24 2 OCT 24 2 NOV 24 2 DEC 24
Harga Saham TUGU (Rp) Volume (Lembar Saham | Shares)
Aksi Korporasi
Corporate Action
Pada tahun 2024, Tugu Insurance tidak melakukan aksi In 2024, Tugu Insurance did not undertake any corporate
korporasi yang mempengaruhi jumlah saham beredar actions affecting the number of outstanding shares, such
seperti pemecahan saham (stock split), penggabungan as stock splits, reverse stock splits, stock dividends,
saham (reverse stock), dividen saham, saham bonus, bonus shares, changes in nominal value of shares,
perubahan nilai nominal saham, penerbitan efek konversi, issuance of convertible securities, or addition and
serta penambahan dan pengurangan modal. reduction in capital.
Sanksi Perdagangan Saham
Stock Trading Sanctions
Sampai dengan 31 Desember 2024, Perseroan tidak As of 31 December 2024, the Company has never been
pernah dikenakan sanksi penghentian sementara subject to temporary trading suspension and/or delisting
perdagangan saham (suspension) dan/atau penghapusan that would impact the trading activities of its shares on
pencatatan saham (delisting) yang berpengaruh terhadap the Stock Exchange, where the Company lists and trades
aktivitas perdagangan saham di Bursa Efek tempat its shares. Therefore, the Company has no information
Perseroan mencatatkan dan memperdagangkan saham. regarding the impact of temporary trading suspension and/
Oleh karena itu, Perseroan tidak memiliki informasi terkait or delisting that can be presented in this Annual Report.
dampak dari penghentian sementara perdagangan saham
(suspension) dan/atau penghapusan pencatatan saham
(delisting) yang dapat disajikan dalam Laporan Tahunan ini.
28 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Ikhtisar Obligasi, Sukuk
atau Obligasi Konversi
Bond, Sukuk or Convertible Bonds Highlights
Perseroan tidak melakukan pencatatan obligasi, sukuk As of the publication of this 2024 Annual Report, the
atau obligasi konversi maupun pencatatan efek lainnya Company had not issued any bonds, sukuk, convertible
sampai dengan diterbitkannya Laporan Tahunan 2024 bonds, or other securities. Consequently, no information
ini. Dengan demikian, tidak terdapat informasi mengenai is available regarding the outstanding amounts of bonds/
jumlah obligasi/sukuk/obligasi konversi yang beredar sukuk/convertible bonds, interest rates or yields, maturity
(outstanding), tingkat bunga/imbalan, tanggal jatuh tempo, dates, or ratings associated with these securities.
peringkat obligasi/sukuk.
Laporan dan Rating Analis
Analysts Rating and Reports
Sekuritas Kode Broker Nama Analis Rekomendasi Targer Harga
Securities Firm Broker Code Analyst Name Recommendation Target Price
Kiwoom Sekuritas AG Team Coverage Buy 2.100
Trimegah Sekuritas LG Kharel Devin Fielim Buy 2.435
Shinhan Sekuritas AH Helmi Therik Buy 2.050
BCA Sekuritas SQ Ryan Santoso Buy 1.600
NH Korindo Sekuritas XA Leonardo Lijuwardi Buy 1.990
Phillip Sekuritas KK Edo Ardiansyah Buy 1.950
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 29
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peristiwa Penting 2024
Events Highlights 2024
To strengthen synergy with various parties, Tugu Insurance
29 April 29 April signed a memorandum of understanding (MoU) with PT Bank
Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) to provide
financial services and protection for Bank Jatim’s customers.
RUPS Tahunan
This collaboration is expected to provide added value for both
Annual General Meeting of Shareholders parties and create a strong synergy in delivering benefits
to customers.
Pada 29 April 2024 Tugu Insurance mengadakan Rapat Umum
Pemegang Saham Tahunan (RUPST) untuk tahun buku 2023
yang diselenggarakan secara hybrid. Rapat ini dilaksanakan di
Ruang Serba Guna PT Asuransi Tugu Pratama Indonesia Tbk
Wisma Tugu I Lantai 1 Jl. H.R. Rasuna Said Kav. C 8-9, Jakarta
Selatan 12920, dan dihadiri oleh Dewan Komisaris, Direksi,
Pemegang Saham/Kuasa Pemegang Saham, serta perwakilan
dari lembaga/profesi penunjang pasar modal.
On 29 April 2024, Tugu Insurance held its Annual General
Meeting of Shareholders (AGMS) in a hybrid format for
the 2023 fiscal year. The meeting took place at the
Multipurpose Room of PT Asuransi Tugu Pratama Indonesia
Tbk, Wisma Tugu I, 1st Floor, Jl. H.R. Rasuna Said Kav. C
8-9, South Jakarta 12920. It was attended by the Board of 19 Juli 19 July
Commissioners, the Board of Directors, Shareholders/Proxies
of Shareholders, as well as representatives from capital Tugu Insurance Renovasi Fasilitas
market supporting institutions/professions. Pendidikan di Sumedang, Jawa Barat
Tugu Insurance Renovated Educational
Facilities in Sumedang, West Java
Perseroan melalui program Corporate Social Responsibility
(CSR) yang diberi nama ‘Bakti Tugu’ melakukan program
renovasi dan relokasi perpustakaan SMAN 1, Sumedang,
Jawa Barat yang rusak akibat bencana alam gempa
bumi yang terjadi pada awal tahun 2024. Perseroan juga
mengadakan kegiatan berbagi pengetahuan dan pengalaman
dengan harapan dapat meningkatkan minat baca pada
kalangan siswa.
Through its Corporate Social Responsibility (CSR) program,
“Bakti Tugu”, the Company undertook the renovation and
relocation of the library at SMAN 1, Sumedang, West Java,
which was damaged by an earthquake in early 2024. The
17 Juni 17 June Company also organized a knowledge-sharing session
with the hope of fostering a greater interest in reading
Perluas Kerja Sama dengan Bank Jatim among students.
Expand Collaboration with Bank Jatim
Dalam rangka memperkuat sinergi dengan berbagai pihak,
Tugu Insurance melaksanakan penandatanganan nota
kesepakatan (MoU) dengan PT Bank Pembangunan Daerah
Jawa Timur Tbk (Bank Jatim) dalam pemberian layanan jasa
keuangan serta proteksi untuk nasabah Bank Jatim. Kerja
sama ini diharapkan dapat memberikan nilai tambah bagi
kedua belah pihak, serta dapat membentuk sinergi yang kuat
dalam memberikan manfaat bagi nasabah.
30 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
turut berkontribusi dalam menciptakan peluang baru untuk
12 September 12 September memberdayakan dan mendorong kemandirian masyarakat.
As a testament to its commitment to corporate social
Tugu Insurance Hadirkan Fasilitas Air responsibility in the fields of humanity and the environment,
Bersih di Desa Kalitekuk, Gunungkidul, Tugu Insurance has officially established a strategic
Daerah Istimewa Yogyakarta partnership with the Kita Bisa Foundation. The various
Tugu Insurance Provided Clean Water initiatives resulting from this collaboration are expected to
Facilities in Kalitekuk Village, Gunungkidul, inspire others to actively participate in creating broad and
Special Region of Yogyakarta sustainable social impacts. Additionally, this partnership aims
to create new opportunities to empower and foster community
self-reliance.
Perseroan melalui program Corporate Social Responsibility
(CSR) yang dinamakan ‘Bakti Tugu’, bekerja sama dengan
Musholla Nururrazaq menghadirkan fasilitas air bersih berupa
sumur bor di Dusun Kalangan, Desa Kalitekuk, Kecamatan
Semin, Kabupaten Gunungkidul. Wilayah tersebut merupakan
salah satu wilayah yang memiliki tantangan dalam memenuhi
kebutuhan air bersih terutama saat musim kemarau
Panjang. Perseroan berharap program ini dapat memudahkan
masyarakat sekitar dalam mendapatkan air bersih, dan
mendorong masyarakat agar dapat menjaga pola hidup sehat
melalui akses sanitasi yang lebih baik.
Through its Corporate Social Responsibility (CSR) program,
“Bakti Tugu”, the Company, in collaboration with Musholla
Nururrazaq, provided clean water facilities in the form of
a bore well in Kalangan, Kalitekuk Village, Semin District,
Gunungkidul Regency. This area is one of the regions facing 29 Oktober 29 October
challenges in accessing clean water, especially during
prolonged dry seasons. The Company hopes this program Tugu Insurance Berkolaborasi dengan
will improve access to clean water for the local community Karya Salemba Empat (KSE)
and encourage them to maintain healthy living habits through Tugu Insurance Collaborates with
improved sanitation access. Karya Salemba Empat (KSE)
Perseroan bekerja sama dengan Yayasan Karya Salemba
Empat (KSE) menyelenggarakan seminar daring bertajuk
“Financial Literacy”. Seminar ini ditujukan kepada penerima
beasiswa KSE tahun akademik 2024-2025 yang bertujuan
untuk membekali mahasiswa dengan pemahaman mendalam
tentang pentingnya literasi keuangan dan keterampilan
komunikasi yang efektif dalam organisasi. Diharapkan
dengan adanya program literasi keuangan yang secara
berkesinambungan dilakukan oleh Perseroan ini dapat
membekali mahasiswa, maupun masyarakat luas dalam
membangun masa depan yang stabil dan sejahtera secara
finansial.
The company, in collaboration with the Karya Salemba Empat
(KSE) Foundation, held an online seminar titled “Financial
Literacy.” This seminar was aimed at KSE scholarship
17 Oktober 17 October recipients for the 2024-2025 academic year, with the goal
of equipping students with a deep understanding of the
Tugu Insurance Menggandeng importance of financial
Yayasan Kita Bisa literacy and effective
Tugu Insurance Partners with Kita Bisa Foundation communication skills
within organizations.
Through this ongoing
Sebagai salah satu bukti komitmen Tugu Insurance dalam financial literacy program,
tanggung jawab sosial perusahaan di bidang kemanusiaan the company hopes to
dan lingkungan, Perseroan secara resmi menjalin kerja sama empower students and
strategis dengan Yayasan Kita Bisa. Berbagai inisiatif yang the broader community to
lahir dari kerja sama ini diharapkan dapat menjadi inspirasi build a financially stable
bagi pihak lain untuk turut berperan aktif dalam menciptakan and prosperous future.
dampak sosial yang berkelanjutan secara luas, serta dapat
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 31
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
employee motivation. Featuring a number of capital city
1 November 1 November artists, the event included music performances by Armada
Band, Happy Asmara, and Dewa-19 as special guests. During
Tugu Charity 2024 the celebration, the management also honored employees
with 10 to 35 years of service and gave away Umrah package
Tugu Charity 2024 prizes to lucky employees.
Dalam rangka menyambut ulang tahun Tugu Insurance
ke-43, Perseroan mengadakan kegiatan ‘Tugu Charity
2024’ dengan tema “Power Up Our Impact” sebagai bentuk
kegiatan Tanggung Jawab Sosial dan Lingkungan (TJSL).
Pada pelaksanaannya, Perseroan mengajak keterlibatan para
karyawan untuk menjadi sukarelawan dalam berbagai kegiatan
‘Tugu Charity’, diantaranya adalah Penanaman Pohon di
Cianjur, Jawa Barat dan Bioskop Bisik di Jakarta.
To commemorate Tugu Insurance’s 43rd anniversary, the
Company organized the Tugu Charity 2024 event with the
theme “Power Up Our Impact” as part of its Social and
Environmental Responsibility (TJSL) activities. During the
event, the Company invited employees to volunteer in various
Tugu Charity activities, including Tree Planting in Cianjur, West
Java, and the Cinema for the Blind in Jakarta.
20 November 20 November
Tugu Insurance Jalin Kerja Sama
dengan Kawan Lama Group
Tugu Insurance Forms Partnership
with Kawan Lama Group
Perseroan memperkuat sinergi strategis melalui kolaborasi
dengan Kawan Lama Group melalui program membership
“ruparupa rewards”. Kolaborasi ini menghadirkan program
khusus yang dirancang untuk memberikan perlindungan
finansial sekaligus keuntungan tambahan bagi pelanggan.
15 November 15 November Diharapkan dengan adanya kerja sama ini dapat memperluas
jangkauan manfaat bagi anggota dan membuka peluang untuk
TUGU FEST 2024 terciptanya berbagai proyek yang dapat menguntungkan kedua
TUGU FEST 2024 pihak di masa mendatang.
The Company strengthens its strategic synergy through a
Dalam rangka menyambut ulang tahun Tugu Insurance ke- collaboration with Kawan Lama Group via the “ruparupa
43, Perseroan mengadakan kegiatan bertajuk “TUGU FEST” rewards” membership program. This collaboration introduces
2024 dengan tema “Power Up Your Life”. Acara yang digelar a unique program designed to provide financial protection as
di Sutera Hall, Tanggerang ini merupakan acara hiburan yang well as additional benefits for customers. This partnership is
diperuntukkan bagi Karyawan Tugu. Dalam kesempatan ini, expected to likely expand the reach of benefits for members
Perseroan menyediakan berbagai hiburan, doorprize, serta and open up opportunities for future projects that will be
grand prize menarik yang diharapkan dapat meningkatkan mutually beneficial for both parties.
motivasi karyawan. Mengundang sejumlah artis Ibu Kota,
pada acara ini karyawan Tugu menikmati hiburan musik dari
Armada Band, Happy Asmara, dan Dewa-19 sebagai Bintang
Tamu. Dalam perayaan ini, manajemen juga memberikan
penghargaan kepada karyawan dengan masa kerja 10 sampai
35 tahun, dan memberikan hadiah berupa paket umroh
kepada karyawan yang beruntung.
In celebration of Tugu Insurance’s 43rd anniversary, the
Company held an event titled “TUGU FEST” 2024 with the
theme “Power Up Your Life.” The event, which took place at
Sutera Hall in Tangerang, was an entertainment activity for
Tugu employees. During the event, the Company provided
various entertainment, door prizes, and grand prizes to boost
32 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
serta fokus strategi Tugu Insurance, dan penerapan ESG di
1 Desember 1 December lingkungan Perseroan.
In compliance with the Listing Regulations of PT Bursa Efek
TUGU Golf Charity Indonesia (Indonesia Stock Exchange) Regulation No. I-E
TUGU Golf Charity on Information Disclosure Obligations, Article III.3 regarding
Public Expose Obligations, and the Directors’ Decree of
PT Bursa Efek Indonesia No. Kep-00066/BEI/09-2022
Dalam rangka merayakan ulang tahun Tugu Insurance ke- concerning Amendments to Regulation No. I-E on Information
43, Perseroan mengadakan kegiatan “Tugu Golf Charity Disclosure Obligations dated 30 Septeamber 2022, Tugu
2024”. Kegiatan ini bukan hanya sekedar kegiatan bermain Insurance held its Annual Public Expose. The event provided
dan bertanding Golf, namun kegiatan ini juga mengajak information on the Company’s performance for the 2024 fiscal
para business partner untuk turut berpartisipasi dalam year, Tugu Insurance’s strategic focus, and the implementation
memberdayakan teman difabel. Dalam pelaksanaannya, of ESG principles within the organization.
Perseroan mengundang salah satu penyandang Tuna
Grahita yang merupakan seorang Special Olympians untuk
melakukan Shotgun. Hal ini merupakan bentuk apresiasi dan
bentuk optimisme Perseroan terhadap teman difabel untuk
dapat berdaya. Perseroan berharap kegiatan ini tidak hanya
meningkatkan engagement antar mitra bisnis, namun juga
dapat meningkatkan dan memperluas jangkauan pemberian
manfaat khususnya terhadap masyarakat yang membutuhkan.
To celebrate its 43rd anniversary, Tugu Insurance hosted the
“Tugu Golf Charity 2024” event. This event was not merely a
golf game or competition but also an initiative to encourage
business partners to contribute to empowering individuals with
disabilities. As part of the program, the Company invited a
Special Olympian with an intellectual disability to perform the
ceremonial shotgun start. This activity reflected the Company’s
appreciation and optimism for the empowerment of individuals
with disabilities. Through this event, Tugu Insurance aims not
only to enhance engagement among business partners but
also to expand the reach of its charitable efforts, particularly
to benefit communities in need.
4 Desember 4 December
Paparan Publik (Public Expose) 2024
Public Expose 2024
Dalam rangka memenuhi ketentuan Peraturan Pencatatan
Efek PT Bursa Efek Indonesia Peraturan No. I-E tentang
tentang Kewajiban Penyampaian Informasi, angka III.3.
mengenai Kewajiban Public Expose, Surat Keputusan Direksi
PT Bursa Efek Indonesia No. Kep-00066/BEI/09-2022 perihal
Perubahan Peraturan No. I-E Tentang Kewajiban Penyampaian
Informasi tanggal 30 September 2022, Tugu Insurance
mengadakan Paparan Publik Tahunan untuk memberikan
informasi mengenai kinerja Perseroan tahun buku 2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 33
Page 36
02
Laporan
Manajemen
Management Report
34 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 37
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 35
Page 38
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laporan Dewan Komisaris
Report of the Board of Commissioners
PT Asuransi Tugu Pratama Indonesia Tbk
kembali menorehkan kinerja gemilang
di tengah berbagai tantangan yang
dihadapi di tahun 2024. Selain aspek
kinerja keuangan, tata kelola yang baik
juga terus ditingkatkan. Dewan Komisaris
mengapresiasi kinerja seluruh Insan Tugu
Insurance termasuk Direksi dan Karyawan
sehingga Perseroan dapat kembali
mencapai level tertinggi barunya. Tidak
luput, Dewan Komisaris juga menyampaikan
ucapan terimakasih atas dukungan setiap
pemangku kepentingan.
PT Asuransi Tugu Pratama Indonesia Tbk
has once again achieved an outstanding
performance amid the myriad challenges
encountered in 2024. Beyond robust financial
results, the company continues to elevate
its standards of corporate governance. The
Board of Commissioners has commended
the exemplary contributions of all Tugu
Insurance personnel, including the Board of
Directors and employees, which has enabled
the Company to ascend to a new pinnacle of
success. Furthermore, the Board extended its
heartfelt gratitude for the unwavering support of
all stakeholders.
Abdul Ghofar
Presiden Komisaris dan
Komisaris Independen
President Commissioner and
Independent Commissioner
36 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Para Pemegang Saham dan Pemangku Kepentingan yang Dear Distinguished Shareholders and Stakeholders
Terhormat,
Pertama-tama, untuk mengawali Laporan ini, izinkan kami First and foremost, this report, allow us to express our
panjatkan syukur kepada Tuhan Yang Maha Esa. Laporan gratitude to Almighty God. This report summarizes the
ini merangkum pengawasan Dewan Komisaris terhadap oversight provided by the Board of Commissioners over the
operasional Perseroan di tahun buku 2024, khususnya Company’s operations for the fiscal year 2024, particularly
terkait pencapaian kinerja usaha dalam menjalankan peran concerning the achievement of business performance in
strategis di industri asuransi Indonesia. Kami hadir untuk fulfilling its strategic role within the Indonesian insurance
memastikan bahwa setiap aktivitas operasional Perseroan industry. We are here to ensure that every operational
berjalan sesuai dengan rencana bisnis yang telah activity of the Company is carried out in accordance
ditetapkan, dengan dasar akuntabilitas, profesionalisme, with the established business plan, underpinned by
dan kepatuhan terhadap peraturan yang berlaku. accountability, professionalism, and adherence to
applicable regulations.
Pada tahun 2024, ekonomi global diproyeksikan melambat In 2024, the global economy is expected to experience a
dengan perkiraan pertumbuhan turun dari 3,3% pada 2023 slowdown, with growth projected to decline modestly from
menjadi 3,2% menurut laporan IMF. Ketegangan geopolitik 3.3% in 2023 to 3.2%. Persistent geopolitical tensions,
seperti konflik Rusia-Ukraina dan Timur Tengah, serta including the Russia-Ukraine conflict, renewed instability in
kebijakan proteksionis AS, meningkatkan ketidakpastian the Middle East, and the United States’ protectionist trade
perdagangan dan investasi global. Kebijakan moneter policies, significantly amplified uncertainty in global trade
global cenderung lebih longgar pada paruh kedua 2024 and investment. Monetary policy globally shifted towards
seiring penurunan inflasi, dengan bank sentral utama, easing during the latter half of the year, as moderating
termasuk Federal Reserve AS, mulai menurunkan inflation prompted major central banks, including the
suku bunga kebijakan. Lebih lanjut, hasil Pemilu AS Federal Reserve, to implement interest rate cuts.
dan ketidakpastian geopolitik menyebabkan volatilitas Nonetheless, the U.S. presidential election and ongoing
di pasar keuangan, penguatan dolar AS, kenaikan geopolitical risks heightened financial market volatility,
imbal hasil obligasi U.S. Treasury dan fragmentasi driving a stronger U.S. dollar and elevated yields on U.S.
perdagangan internasional. Hal-hal tersebut meningkatkan Treasury securities as well as fragmented international
ketidakpastian global yang berpotensi merambat pada trade. These factors increase global uncertainty, which
peningkatan ketidakpastian regional dan domestik. has the potential to ripple into heightened regional and
domestic uncertainty.
Meskipun menghadapi berbagai tantangan ketidapastian Despite facing various global challenges, Indonesia’s
global, ekonomi Indonesia tetap tumbuh solid di 5,03% economy continues to grow steadily at around 5.03%,
didukung dengan konsumsi domestik serta investasi. supported by domestic consumption and investment.
Kinerja investasi yang solid khususnya investasi bangunan Investment performance, particularly in the construction
sejalan dengan penyelesaian Program Strategis Nasional sector, remains robust in line with the completion of
(PSN). Sementara konsumsi rumah tangga, khususnya National Strategic Projects (NSP ). Meanwhile, household
kelas menengah atas tetap terjaga. Dari sisi perdagangan consumption, particularly among the upper-middle class,
internasional, ekspor non-migas tumbuh relatif tinggi remains stable. On the international trade side, non-oil
di tengah perlambatan ekonomi global dan penurunan and gas exports have grown relatively high despite the
harga komoditas. Tingkat inflasi tahun 2024 tetap rendah global economic slowdown and declining commodity
dan stabil pada level 1,57%, sesuai dengan target prices. The inflation rate for 2024 remains low and stable
Bank Indonesia di kisaran 1,5-3,5%. Namun demikian, at 1.57%, in line with Bank Indonesia’s target of 1.5-3.5%.
volatilitas pasar keuangan global memicu depresiasi However, global financial market volatility has triggered a
nilai tukar rupiah yang membuat Bank Indonesia tetap depreciation of the rupiah exchange rate, prompting Bank
mempertahankan suku bunga acuan BI Rate di 6,00%. Indonesia to maintain its benchmark interest rate, the BI
Rate, at 6.00%.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 37
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Berdasarkan lapangan usaha, sektor jasa keuangan Across business sectors, the financial services and
dan asuransi tetap tumbuh positif. Output sektor jasa insurance industries have sustained robust growth. The
keuangan termasuk asuransi tumbuh 4,7% pada 2024. financial services sector, including insurance output,
Hal positif lain yang terjadi pada sepanjang tahun 2024 expanded by 4.7% in 2024. Furthermore, a noteworthy
adalah digitalisasi jasa keuangan lain seperti pengelolaan development in 2024 has been the accelerated digital
kekayaan dan asuransi juga berkembang pesat meski transformation in ancillary financial services, including
nilainya belum sebesar digitalisasi sistem pembayaran dan wealth management and insurance, although its scale
pinjaman perbankan. remains smaller compared to that of digitalization in
payment systems and bank loans.
Penilaian atas Kinerja Direksi
Assessment of Board of Director’s Performance
Hasil penilaian Dewan Komisaris terhadap kinerja Direksi The Board of Commissioners’ evaluation of the Board of
yang tercermin dari Indikator Kinerja Utama (IKU) baik Directors’ performance—based on the Key Performance
untuk individu maupun kolektif disampaikan kepada Indicators (KPIs) for both individuals and the team—
Pemegang Saham. Dewan Komisaris menilai Direksi telah was shared with the Shareholders. The Commissioners
menjalankan tugas dan tanggung jawabnya dengan sangat concluded that the Board of Directors had carried out its
baik sepanjang 2024. Hal ini tercermin dari berbagai duties and responsibilities very well throughout 2024.
kinerja keuangan Perseroan yang telah sesuai dan This was evident from the Company’s strong financial
mencapai target Rencana Kerja dan Anggaran Perusahaan performance, which met the targets set in the Company’s
(RKAP). Work Plan and Budget (RKAP).
Tugu Insurance secara konsolidasi mampu mencatatkan On a consolidated basis, Tugu Insurance achieved a
pertumbuhan premi sebesar 11% di tahun 2024. premium growth of 11% in 2024. This growth not only
Pertumbuhan premi tersebut tidak hanya melampaui target surpassed the target but also was significantly higher
tetapi juga tumbuh tinggi dibandingkan dengan tahun than that of 2023. Although the consolidated net profit
2023. Sementara itu, laba bersih Tugu Insurance secara of Tugu Insurance declined, this was primarily because
konsolidasi mengalami penurunan. Namun hal ini lebih the Company no longer recorded one-off income from
disebabkan karena Tugu Insurance tidak lagi mencatatkan the resolution of the Citibank N.A. legal case. The Board
pendapatan sekali waktu atas kemenangan kasus Hukum of Commissioners observed that the core operating net
Citibank N.A. Dewan Komisaris melihat capaian laba profit, excluding the one-off income, increased by 63%,
bersih (core operation) tanpa memasukkan pendapatan demonstrating a solid business performance.
sekali waktu tumbuh 63% yang menunjukkan kinerja usaha
yang solid.
Capaian positif ini tidak terlepas dari kinerja Direksi baik These positive outcomes were a direct result of the Board
secara individu maupun kolektif yang mampu melampaui of Directors’ performance, both individually and collectively,
IKU yang telah ditetapkan. Secara keseluruhan, tingkat which exceeded the established KPIs. Overall, the KPI
ketercapaian IKU oleh Presiden Direktur dan Kolegial attainment by the President Director and the collegial team
mencapai 107,33% yang meliputi: reached 107.33%, encompassing the following:
• Tercapainya target keuangan seperti premi bruto, loss • The achievement of financial targets, including gross
ratio, hasil underwriting, EBITDA, hingga kecukupan premiums, loss ratio, underwriting results, EBITDA, and
modal (RBC); capital adequacy (RBC);
• Tercapainya target pertumbuhan bisnis non-kaptif serta • The realization of non-captive business growth targets,
indeks Customer Satisfaction and Loyalty; as well as improvements in the Customer Satisfaction
and Loyalty index;
• Tercapainya target indikator dan pengelolaan risiko • The fulfillment of risk management indicators and
yang sesuai target seperti Peringkat Komposit targets, such as the Company’s Composite Risk
Pengelolaan Risiko Perusahaan; Management Rating;
• Tercapainya target rating global yang tercermin dari • The attainment of global rating targets, as evidenced by
kembali diperolehnya rating internasional A- dari AM the reinstatement of the A international rating from AM
Best; dan Best; and
• Tercapainya aspek tata kelola perusahaan yang baik • The achievement of corporate governance targets,
sesuai target serta kepatuhan dalam hal tenggat waktu including compliance with the deadlines for submitting
penyampaian laporan keuangan kepada Regulator financial reports to both the Regulator and Pertamina.
maupun Pertamina.
38 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pandangan atas Prospek Usaha yang Disusun Direksi
Business Prospects Developed by the Board of Directors
Perekonomian global dan domestik diperkirakan tetap The global and domestic economies are expected to
menghadapi tantangan yang signifikan di tahun 2025. continue facing significant challenges in 2025. Global
Pertumbuhan ekonomi global diperkirakan melambat economic growth is projected to slow down due to
akibat kebijakan proteksionis di Amerika Serikat, tensi protectionist policies in the United States, escalating
geopolitik yang meningkat, dan keterbatasan ruang geopolitical tensions, and limited room for central bank
untuk pemangkasan suku bunga acuan. Di sisi lain, rate cuts. On the other hand, the Indonesian economy
perekonomian Indonesia menunjukkan potensi melalui shows potential through various flagship programs and
berbagai program unggulan dan sinergi kebijakan government policy synergies that are anticipated to
pemerintah yang diharapkan mampu menahan cushion the impact of global uncertainty and support
dampak ketidakpastian global dan mendukung national growth.
pertumbuhan nasional.
Dalam industri asuransi, dinamika ini berpotensi In the insurance industry, these dynamics could lead
menimbulkan tekanan likuiditas dan persaingan pasar to liquidity pressures and increasingly intense market
yang semakin ketat. Namun di sisi lain juga membuka competition. However, they also open up opportunities
peluang melalui digitalisasi dan peningkatan kebutuhan through digitalization and a growing demand for risk
proteksi risiko, terutama di sektor properti dan kesehatan, protection, particularly in the property and health sectors,
serta penerapan kebijakan keberlanjutan (ESG) sebagai as well as through the adoption of sustainable (ESG)
landasan pertumbuhan yang solid. policies as a solid foundation for growth.
Dewan Komisaris mencatat bahwa Direksi telah menyusun The Board of Commissioners noted that the Board of
prospek usaha dengan cermat, mempertimbangkan Directors has carefully formulated the business outlook
kondisi makroekonomi global dan nasional serta by considering both global and domestic macroeconomic
perkembangan industri, mulai dari asuransi umum, conditions and industry developments—from general
reasuransi, hingga sektor terkait seperti properti, insurance and reinsurance to related sectors such as
kendaraan bermotor, perbankan, dan energi, serta aspek property, motor vehicles, banking, and energy—along
regulasi, kepatuhan, tata kelola, dan transparansi. with aspects of regulation, compliance, governance,
and transparency.
Dengan mengacu pada strategi kerja untuk periode 2025 Referring to the work strategy for 2025 and the
dan kinerja gemilang Tugu Insurance di tahun 2024, Dewan outstanding performance of Tugu Insurance in 2024,
Komisaris yakin bahwa masih terdapat potensi besar bagi the Board of Commissioners is confident that there
Tugu Insurance beserta seluruh entitas anaknya untuk remains significant potential for Tugu Insurance and all its
tumbuh secara berkelanjutan. Oleh karena itu, seluruh subsidiaries to grow sustainably. Therefore, all levels of
jajaran Direksi diharapkan bersama-sama memperkuat the Board of Directors are expected to jointly strengthen
fondasi pertumbuhan, mengoptimalkan transformasi the growth foundation, optimize digital transformation, and
digital, dan meningkatkan sinergi bisnis antar entitas enhance business synergy among entities, with a focus on
dengan penekanan pada peningkatan kualitas mitigasi improving the quality of risk mitigation and implementing
risiko serta penerapan praktik tata kelola perusahaan best corporate governance practices across every
terbaik di setiap lini operasional. operational line.
Pengawasan dalam Perumusan dan Implementasi Strategi oleh Direksi
Oversight in the Strategy Formulation and Implementation by the Board of Directors
Fungsi Pengawasan Oversight Functions
Dewan Komisaris secara aktif terlibat dalam pengawasan The Board of Commissioners actively engaged in
perumusan dan implementasi strategi oleh direksi. overseeing the formulation and implementation of
Formulasi strategi Perusahaan yang selanjutnya dituangkan strategies by the Board of Directors. The Company’s
ke dalam IKU. Pengawasan terhadap pencapaian IKU strategy formulation was subsequently translated into
dilaksanakan oleh Dewan Komisaris secara menyeluruh Key Performance Indicators (KPIs). Oversight of KPI
mulai dari proses pengawasan pada saat penetapan IKU achievement was carried out comprehensively by the Board
sampai dengan monitoring dan evaluasi pencapaiannya of Commissioners—from the process of setting the KPIs
secara berkala. to the periodic monitoring and evaluation of their progress.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 39
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rapat rutin bersama Komite Dewan Komisaris Regular meetings with the Board of Commissioners’
dilaksanakan untuk menganalisis dan mengevaluasi Committee were held to analyze and evaluate KPI
pencapaian IKU secara berkala dengan mengacu pada achievements periodically, referring to the information
sumber-sumber informasi yang disediakan oleh pihak provided by Management. In order to obtain more accurate
Manajemen. Untuk mendapatkan informasi yang lebih and objective information, the Board of Commissioners
baik dan objektif, Dewan Komisaris juga melaksanakan also held meetings with the Board of Directors to confirm
rapat bersama Direksi untuk memperoleh konfirmasi atas the achievement of KPIs on a regular basis.
capaian-capaian IKU secara berkala.
Di akhir tahun, Dewan Komisaris mengevaluasi pencapaian At the end of the year, the Board of Commissioners
pada tingkat Induk dan juga Direktorat untuk memantau evaluated the achievements at both the Head Office and
pencapaian target IKU serta IKU yang tidak tercapai. Directorate levels to monitor the attainment of KPI targets
Untuk IKU yang tidak tercapai, Dewan Komisaris akan as well as those KPIs that were not met. For the KPIs that
melakukan pengawasan terhadap IKU tersebut pada were not achieved, the Board of Commissioners conducted
periode berikutnya. further oversight in the subsequent period.
Fokus dan Optimalisasi Fungsi Pengawasan Focus and Optimization of Oversight Functions
Pada tahun 2024, TUGU Insurance menghadapi In 2024, TUGU Insurance faced a major challenge in
tantangan utama dalam penerapan terintegrasi PSAK the integrated implementation of PSAK 117 across
117 di seluruh proses bisnis Perseroan. Implikasi dari the Company’s business processes. The implications
penerapan ini mencakup kebutuhan akan infrastruktur of this implementation included the need for a system
sistem yang mendukung standar pelaporan baru, serta infrastructure that supported the new reporting standards,
menghadapi persaingan pasar yang semakin ketat akibat as well as confronting increasingly intense market
perkembangan dan adopsi teknologi digital yang canggih. competition due to the sophisticated development and
adoption of digital technology.
Untuk mengatasi tantangan tersebut, Dewan Komisaris To address these challenges, the Board of Commissioners
telah mengoptimalkan fungsi pengawasan dengan cara: optimized its oversight functions by:
• Evaluasi Strategis Rutin: Melakukan rapat berkala • Conducting Regular Strategic Evaluations: Holding
bersama Direksi guna meninjau capaian strategis regular meetings with the Board of Directors to
secara konsisten; dan consistently review strategic achievements; and
• Pemanfaatan Teknologi Informasi: Menggunakan • Utilizing Information Technology: Using an accurate and
sistem monitoring kinerja yang akurat dan cepat rapid performance monitoring system to ensure that
untuk memastikan roadmap digitalisasi dan the digitalization roadmap and the implementation of
implementasi PSAK 117 berjalan sesuai rencana, PSAK 117 proceeded as planned, thereby enhancing
sehingga meningkatkan kepercayaan dan kepatuhan trust and regulatory compliance.
terhadap regulasi.
Fokus pengawasan Dewan Komisaris tidak hanya terletak The oversight focus of the Board of Commissioners was
pada aspek kepatuhan, melainkan juga pada pengelolaan not only on compliance but also on managing technical
risiko teknis dan cadangan yang sesuai standar untuk risks and reserves in accordance with standards to
menjaga solvabilitas perusahaan. Selain itu, kinerja maintain the company’s solvency. Moreover, sustainability
keberlanjutan yang diukur melalui ESG menjadi perhatian performance measured through ESG was given significant
penting guna memastikan bahwa operasional perusahaan attention to ensure that the company’s operations
tetap selaras dengan prinsip keberlanjutan. remained aligned with sustainability principles.
Dalam pengawasan kinerja bisnis secara keseluruhan, In overseeing overall business performance, the Board of
Dewan Komisaris mempertimbangkan berbagai faktor, Commissioners considered various factors, such as:
seperti:
• Tren pertumbuhan ekonomi domestik dan global; • Domestic and global economic growth trends;
• Regulasi baru, termasuk PSAK 117; • New regulations, including PSAK 117;
• Perkembangan industri, khususnya sektor asuransi; • Industry developments, particularly in the insurance
dan sector; and
• Dampak penerapan praktik ESG terhadap operasi dan • The impact of the implementation of ESG practices on
reputasi perusahaan. the company’s operations and reputation.
40 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Faktor-faktor ini menjadi dasar bagi penyusunan strategi These factors served as the basis for formulating relevant
yang relevan, sehingga TUGU Insurance dapat terus strategies, ensuring that TUGU Insurance continuously
beradaptasi dan menjaga keberlanjutan bisnis di tengah adapted and maintained business sustainability amid ever-
dinamika pasar yang terus berubah. changing market dynamics.
Pengawasan Penerapan Tata Kelola Perusahaan
Oversight of Corporate Governance Implementation
Dewan Komisaris memandang bahwa Tugu Insurance telah The Board of Commissioners believes that Tugu Insurance
melaksanakan tata kelola perusahaan yang baik. Hal ini has implemented good corporate governance. This is
dibuktikan dengan penilaian yang dilakukan oleh Perseroan evidenced by the assessments conducted by the Company
untuk memenuhi ketentuan dalam Peraturan Otoritas to comply with the provisions of the Financial Services
Jasa Keuangan No. 73/POJK.05/2016 yang kemudian Authority Regulation No. 73/POJK.05/2016, which was
diubah menjadi Peraturan Otoritas Jasa Keuangan No. 43/ later amended to Financial Services Authority Regulation
POJK.05/2019. No. 43/POJK.05/2019.
Tugu Insurance telah melaksanakan penilaian mandiri Tugu Insurance conducted an individual self-assessment
(self-assessment) individu pada periode Maret-April 2024. in March-April 2024. The Corporate Governance Report
Laporan Tata Kelola Perusahaan yang disampaikan kepada submitted to OJK INKB received a score of 4.79 out of
OJK INKB memperoleh skor 4,79 dari 5,00. 5.00.
Selain penilaian individu, Perseroan juga telah menunjuk In addition to the individual assessment, the Company
pihak eksternal untuk menilai penerapan tata kelola also appointed an external party to evaluate the
perusahaan Tugu Insurance, yang merupakan bagian dari implementation of corporate governance at Tugu Insurance,
agenda rutin yang dilakukan setiap dua tahun. Untuk tahun as part of a regular biennial agenda. For 2023 fiscal year,
buku 2023, Perseroan berhasil memperoleh skor 95,73%, the Company achieved a score of 95,73%, showing an
yang menunjukkan peningkatan dibandingkan dengan skor improvement compared to the corporate governance score
tata kelola perusahaan pada tahun buku 2021. in 2021 fiscal year.
Hasil-hasil tersebut mencerminkan bahwa penerapan These results demonstrate that the implementation of
tata kelola perusahaan di Tugu Insurance terus corporate governance at Tugu Insurance continues to
mengalami perbaikan dan semakin memenuhi standar improve and increasingly meets the established standards.
yang ditetapkan.
Mekanisme Pemberian Nasihat kepada Direksi
Advisory Mechanisms to the Board of Directors
Dewan Komisaris baik secara langsung maupun tidak Advisory Mechanisms to the Board of Directors
langsung melalui Komite di Bawah Dewan Komisaris The Board of Commissioners, both directly and indirectly
secara proaktif memberikan nasihat kepada Direksi through the Committees under the Board, proactively
melalui mekanisme rapat. Adapun beberapa nasihat yang provided advice to the Board of Directors through series of
diberikan oleh Dewan Komisaris untuk Direksi antara lain: meetings. The advice that was provided included:
• Mencapai target kinerja keuangan dan mengoptimalkan • To achieve financial performance targets and optimizing
tingkat Risk-Based Capital (RBC); Risk-Based Capital (RBC) level;
• Memastikan pemanfaatan (usefulness) dan optimasi • Ensuring the effective utilization and optimization
Enterprise Resources Planning (ERP), termasuk dalam of Enterprise Resource Planning (ERP), including its
penerapan PSAK 117; application in the implementation of PSAK 117;
• Memperkuat kontribusi anak perusahaan terhadap • Strengthening the contribution of subsidiaries to the
kinerja keseluruhan Perusahaan; performance of the Company;
• Optimasi pengelolaan aset dan properti investasi; • Optimizing the assets management and
investment properties;
• Memastikan kepatuhan terhadap hukum dan • Ensuring compliance to the regulations and corporate
sistem tata kelola perusahaan dalam semua governance systems in all corporate actions;
tindakan korporasi;
• Melanjutkan peningkatan pengendalian internal, • Continuing to improve internal control, with a particular
dengan fokus khusus pada pengelolaan piutang; focus on accounts receivable management;
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 41
Page 44
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
• Meningkatkan kompetensi sumber daya manusia • Improving human resource competencies to support
untuk mendukung talent mobility dan pertumbuhan di talent mobility and future growth;
masa depan;
• Memastikan spin-off unit syariah sepenuhnya mematuhi • Ensuring the spin-off of the sharia unit fully complies
peraturan perundang-undangan yang terbaru; with the latest laws and regulations;
• Penelahaan, memberikan tanggapan dan rekomendasi • Reviewing, providing responses and recommendations
serta persetujuan Rencana Kerja dan Anggaran as well as approval of the Company’s Work Plan and
Perusahaan (RKAP), Rencana Jangka Panjang Budget, the Company’s Long-Term Plan, including the
Perusahaan (RJPP) termasuk Rencana Bisnis dan Business Plan and Sustainable Financial Action Plan,
Rencana Aksi keuangan Berkelanjutan, serta Key also the Company’s Key Performance Indicators (KPI);
Performance Indicator (KPI) Perusahaan;
• Evaluasi penerapan kebijakan dan prosedur APU • Evaluation of the implementation of Anti Money
(Anti Pencucian Uang), PPT (Pencegahan Pendanaan Laundering, Prevention of Terrorism Funding, and
Terorisme), dan PPPSPM (Pencegahan Pendanaan Prevention of Proliferation Funding of Weapons of
Proliferasi Senjata Pemusnah Massal); Mass Destruction;
• Pemantauan dan evaluasi atas pelaksanaan • Monitoring and evaluation of the implementation and
dan realisasi RKAP serta realisasi Rencana realization of Company’s Work Plan and Budget, as well
Bisnis Perusahaan. as the realization of the Company’s Business Plan.
Penilaian Kinerja Komite di Bawah Dewan Komisaris
Assessments of Committee under Board of Commissioner
Dewan Komisaris dalam menjalankan tugas pengarahan, Assessments of Committee under Board of Commissioner
pengawasan, pemantauan dan pemberian nasihat atas The Board of Commissioners, in carrying out its duty to
jalannya pengelolaan Perseroan, Dewan Komisaris guide, oversee, monitor, and advise on the Company’s
dibantu oleh empat Komite Penunjang Dewan Komisaris. management, was supported by four committees: the Audit
Keempat Komite tersebut adalah Komite Audit, Komite Committee, the Nomination and Remuneration Committee,
Nominasi dan Remunerasi, Komite Pemantau Risiko, dan and the Risk Monitoring Committee. The Board noted that
Komite Tata Kelola Terintegrasi. Dewan Komisaris menilai the reports and recommendations from these committees
Laporan dan Rekomendasi dari Komite-komite telah were based on careful review and analysis, and they
disusun berdasarkan pendalaman yang memadai untuk offered strategic suggestions to improve the Company’s
memberikan rekomendasi strategis dalam rangka untuk performance and governance.
meningkatkan kinerja maupun tata kelola Perseroan.
Komite Audit Audit Committee
Komite Audit telah melakukan telaah atas Laporan The Audit Committee reviewed the Financial Statements
Keuangan Perseroan dan Entitas Anak, melakukan of the Company and its Subsidiaries, monitored financial
pemantauan kinerja keuangan, mengevaluasi perencanaan performance, evaluated the planning and execution of
dan pelaksanaan audit serta memantau tindak lanjut hasil audits, and tracked the follow-up on audit findings. It
audit, dan merekomendasikan penunjukan Kantor Akuntan recommended the appointment of a Public Accounting Firm
Publik untuk melakukan audit atas Laporan Keuangan to audit the Financial Statements, examined the adequacy
Perseroan dan Entitas Anak; melakukan penelaahan atas of management’s efforts in designing and implementing
kecukupan usaha manajemen dalam mendesain dan an effective internal control system, coordinated with
melaksanakan sistem pengendalian internal yang efektif; internal auditors in carrying out its duties, monitored the
melakukan koordinasi dengan internal auditor dalam effectiveness of management’s risk assessment and
pelaksanaan tugasnya; melakukan pemantauan terhadap management efforts as well as compliance with applicable
efektivitas manajemen dalam upaya penilaian dan laws and regulations, observed the effectiveness of
pengelolaan risiko serta kepatuhan terhadap peraturan the complaint mechanism established by management
perundang-undangan; melakukan pemantauan terhadap for employees or third parties, and maintained the
efektivitas mekanisme pengaduan dari pegawai atau pihak confidentiality of company documents, data, and
ketiga yang dilakukan oleh manajemen; serta menjaga information.
kerahasiaan dokumen, data dan informasi perusahaan.
42 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Dalam melaksanakan tugas dan tanggung jawabnya pada In carrying out its duties and responsibilities through out
2024, Komite Audit mengadakan 43 kali rapat termasuk 2024, the Audit Committee held 43 meetings, including
rapat koordinasi dengan Komite Komisaris lainnya, dan coordination sessions with other Commissioners’
rapat dengan manajemen, serta mengikuti pelatihan dan Committees and meetings with management, and
seminar dalam rangka mengembangkan kompetensinya. participated in training and seminars to further develop
its competencies.
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Komite Nominasi dan Remunerasi telah membantu Dewan The Nomination and Remuneration Committee assisted
Komisaris untuk melaksanakan fungsi dan tugasnya terkait the Board in executing its responsibilities related to the
Nominasi dan Remunerasi anggota Direksi dan Dewan nomination and remuneration of members of the Board
Komisaris serta nominasi pejabat pada satu tingkat di of Directors and the Board of Commissioners, as well
bawah Direksi. Terkait hal tersebut Komite Nominasi dan as the nomination of Group Heads. According to its
Remunerasi antara lain telah melaksanakan pemberian function, the Nomination and Remuneration committee has
rekomendasi kepada Dewan Komisaris terkait komposisi provided recommendations to the Board of commissioners
jabatan anggota Dewan Komisaris dan Direksi, kebijakan regarding the composition of positions for both the Board
dan kriteria yang dibutuhkan dalam proses Nominasi, of Commissioners and the Board of Directors, established
kebijakan evaluasi kinerja anggota Dewan Komisaris dan policies and criteria for the nomination process, set
Direksi. Lebih lanjut, Komite Nominasi dan Remunerasi performance evaluation policies for members of both
telah membantu Dewan Komisaris melakukan penilaian Boards. Furthermore, the Nomination and Remuneration
kinerja berdasarkan tolak ukur yang telah ditetapkan committee also assisted in evaluating performance
dan kesesuaian remunerasi yang diterima, memberikan against predetermined benchmarks to ensure the
rekomendasi terkait program pengembangan kompetensi appropriateness of the remuneration received, and provide
anggota Dewan Komisaris dan Direksi. Pada perubahan recommendations related to the competency development
struktur organisasi untuk mencapai tujuan Perseroan, program for members of the Board of Commissioners
Komite Nominasi dan Remunerasi memberikan and Board of Directors. In addition to the changes of
pertimbangan terkait struktur, kebijakan, dan besaran the organizational structure to achieve the Company’s
Remunerasi untuk mempertahankan tingkat kompetitif goals, the Nomination and Remuneration Committee
Perseroan terhadap industri asuransi di Indonesia. provides considerations related to the structure,
policies, and amount of Remuneration to maintain the
Company’s competitiveness against the insurance industry
in Indonesia.
Dalam melaksanakan tugas dan tanggung jawabnya pada In carrying out its duties and responsibilities through
2024, Komite Nominasi dan Remunerasi mengadakan 21 out 2024, the Nomination and Remuneration Committee
kali rapat. Disamping itu, tugas tambahan yang diberikan convened 21 meetings, and additional tasks assigned to
kepada anggota Komite juga telah dilaksanakan sesuai its members were executed in accordance with internal
dengan arahan dan hasil rapat internal maupun dengan directives and engagements with relevant parties to
pihak lain yang terkait dalam rangka pencapaian program achieve the Company’s strategic programs.
strategis Perseroan.
Komite Pemantau Risiko Risk Monitoring Committee
Komite Pemantau Risiko telah menjalankan tugas The Risk Monitoring Committee assisted the Board in
untuk membantu Dewan Komisaris dalam mengawasi overseeing the implementation of risk management in
pelaksanaan manajemen risiko agar sesuai dengan line with the Company’s policies. It ensured that the risk
kebijakan Perseroan, antara lain dengan mengawasi agar management policy developed by the Board of Directors,
keberadaan kebijakan manajemen risiko yang disusun oleh including the established risk tolerance, was adequate and
Direksi, termasuk toleransi yang diambil telah memadai met the Company’s needs, monitored the management
dan sesuai dengan kebutuhan Perseroan; mengawasi of risks, particularly in relation to business activities
pengelolaan risiko di Perseroan, khususnya usaha dan and strategies executed by the Board of Directors,
strategi yang dilakukan Direksi; mengawasi agar pelaporan and ensured that risk reporting was submitted to the
risiko telah disampaikan kepada Dewan Komisaris sesuai Board in accordance with stipulated requirements. The
dengan ketentuan dan kebutuhan Dewan Komisaris, Committee also confirmed adherence to Good Corporate
memastikan dipatuhinya prinsip GCG dan Code of Conduct, Governance principles and the Code of Conduct, and
dan membina hubungan profesional dengan Komite lain fostered professional relationships with other Committees
dan Manajemen. and management.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 43
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dalam melaksanakan tugas dan tanggung jawabnya In carrying out its duties and responsibilities through out
pada 2024 Komite Pemantau Risiko mengadakan 27 2024, the Risk Monitoring Committee held 27 meetings,
kali rapat termasuk rapat koordinasi dengan Komite including coordination sessions with other Commissioners’
Komisaris lainnya, dan rapat dengan manajemen. Program Committees and meetings with management. The
pengembangan Komite Pemantau Risiko dilaksanakan Risk Monitoring Committee development program is
sejalan dengan program strategis Perseroan, melalui implemented in line with the Company’s strategic program,
seminar, workshop, dan pelatihan. through seminars, workshops and training.
Komite Tata Kelola Terintegrasi Integrated Governance Committee
Komite Tata Kelola Terintegrasi dibentuk atas arahan The Integrated Governance Committee established upon
dari Pemegang Saham Pengendali untuk mematuhi the direction of the Controlling Shareholder to comply with
Peraturan Menteri Badan Usaha Milik Negara Nomor the Regulation of the State-Owned Enterprises Minister
PER-2/MBU/03/2023 tentang Pedoman tata Kelola Number PER-2/MBU/03/2023 concerning Guidelines for
dan Kegiatan Korporasi Signifikan BUMN. Komite Tata Governance and Significant Corporate Activities of SOE.
Kelola Terintegrasi telah membantu Dewan Komisaris The Integrated Governance Committee has assisted the
dalam melakukan pengawasan dan pemberian nasihat Board of Commissioners in supervising and providing
terhadap kegiatan entitas Tugu Group yang terkait dengan advice on the activities of Tugu Group entities related to
bidang tugas Komite Tata Kelola Terintegrasi diantaranya the Integrated Governance Committee’s duties, including
mengevaluasi kebijakan Tata Kelola Terintegrasi dan evaluating the Integrated Governance policy and providing
memberikan rekomendasi kepada Dewan Komisaris recommendations to the Board of Commissioners
terkait penyempurnaan kebijakan Tata Kelola Terintegrasi regarding the improvement of the Integrated Governance
tersebut, pemantauan dan evaluasi atas keselarahan policy, monitoring and evaluating the alignment and
dan penerapan kebijakan Tata Kelola Terintegrasi di Tugu implementation of the Integrated Governance policy at
Group; dan memberikan rekomendasi perbaikan tata Tugu Group; and providing recommendations for improving
kelola, berupa upaya mitigasi dan solusi atas isu strategis governance with the mitigation efforts and solutions to
di Tugu Group berdasarkan hasil penelaahan dan evaluasi strategic issues at Tugu Group based on the integrated
yang terintegrasi. reviews and evaluations results.
Dalam melaksanakan tugas dan tanggung jawabnya pada In carrying out its duties and responsibilities in 2024,
2024, Komite Tata Kelola Terintegrasi telah melaksanakan the Integrated Governance Committee has held 3 (three)
3 (tiga) kali rapat dan hasil rapat dituangkan dalam risalah meetings and the results of the meetings are stated in the
rapat untuk didokumentasikan dengan baik. minutes of the meeting to be properly documented.
Perubahan Komposisi Dewan Komisaris
Changes in the Board of Commissioners
Berdasarkan perubahan komposisi tersebut, anggota Based on the last changes in the composition. Company’s
Dewan Komisaris Perseroan per 31 December 2024 Board of Commissioners members as of 31 December
adalah sebagai berikut: 2024 is as follows:
Sejak RUPST
29 April 2024 s.d.
Sebelum RUPST 29
Nama 31 December 2024 Keterangan
April 2024
Name Since AGMS Remarks
Prior AGMS 29 April 2024
29 April 2024 until
31 December 2024
Dian Masyita Presiden Komisaris & Tidak lagi menjabat sebagai Presiden Komisaris dan
Komisaris Independen Komisaris Independen sejak ditutupnya RUPST 29 April 2024.
President Commissioner & No longer serves as President Commissioner & Independent
Independent Commissioner Commissioner since the closing of the AGMS on 29 April
2024.
44 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Sejak RUPST
29 April 2024 s.d.
Sebelum RUPST 29
Nama 31 December 2024 Keterangan
April 2024
Name Since AGMS Remarks
Prior AGMS 29 April 2024
29 April 2024 until
31 December 2024
Abdul Ghofar Presiden Komisaris & Diangkat sebagai Presiden Komisaris & Komisaris Independen
Komisaris Independen berdasarkan keputusan Rapat Umum Pemegang Saham
Tahunan (RUPST) yang diselenggarakan pada 29 April 2024.
President Commissioner & Pengangkatan ini mulai berlaku efektif setelah mendapatkan
Independent Commissioner persetujuan dari Otoritas Jasa Keuangan (OJK), sebagaimana
diatur dalam Keputusan Anggota Dewan Komisioner OJK
No. Kep-90/D.05/2024 tertanggal 3 Desember 2024 dan
dinyatakan dalam Surat OJK No. S-3626/PD.021/2024
tertanggal 5 Desember 2024.
Appointed as President Commissioner & Independent
Commissioner based on the resolution of the Annual General
Meeting of Shareholders (AGMS) held on 29 April 2024. This
appointment became effective after obtaining approval from
the Financial Services Authority (OJK), as stipulated in the OJK
Board of Commissioners' Decision No. Kep-90/D.05/2024
dated 3 December 2024, and stated in OJK Letter No.
S-3626/PD.021/2024 dated 5 December 2024.
Bagus Agung Komisaris Komisaris -
Rahadiansyah Commissioner Commissioner
Samuel Ramna Komisaris Komisaris -
Commissioner Commissioner
Poerwo Tjahjono Komisaris Independen Komisaris Independen -
Independent Commissioner Independent Commissioner
Tajudin Noor Komisaris Independen Komisaris Independen -
Independent Commissioner Independent Commissioner
Apresiasi
Appreciation
Di kesempatan istimewa ini, kami menyampaikan On this special occasion, we extend our sincere gratitude
terima kasih yang tulus kepada para pemegang saham to our shareholders and stakeholders for their unwavering
dan pemangku kepentingan yang telah memberikan trust and support throughout our journey. Our heartfelt
kepercayaan dan dukungan selama perjalanan kita. thanks also go to the Board of Directors, our employees,
Ucapan terima kasih juga kami tujukan kepada Direksi, and business partners who have stood by us every step
karyawan, dan mitra usaha yang selalu mendampingi of the way. Together, we have built a strong foundation
setiap langkah kita. Bersama, kita telah membangun for sustainable growth and real progress. May the spirit
fondasi yang kuat untuk pertumbuhan berkelanjutan of unity and hard work continue to inspire us to remain
dan kemajuan nyata. Semoga semangat kebersamaan leaders in the insurance industry, delivering genuine
dan kerja keras ini terus menginspirasi kita untuk tetap benefits to all. We pray that the Almighty blesses every
menjadi yang terdepan di industri asuransi, memberikan step we take. Amen.
manfaat yang dirasakan oleh semua pihak. Kami berdoa
agar Tuhan Yang Maha Esa senantiasa memberkati setiap
langkah kita. Aamiin.
Jakarta, 27 Maret 2025
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Abdul Ghofar
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 45
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laporan Direksi
Report of the Board of Directors
Capaian solid kinerja Tugu Insurance
di tahun 2024 tidak terlepas dari
formulasi strategi yang tepat
serta eksekusi yang baik sehingga
menciptakan nilai tambah bagi
pemegang saham. Semua ini
berkat komitmen setiap Insan Tugu
Insurance untuk terus mencapai posisi
tertinggi baru yang dilandasi dengan
semangat serta keberanian untuk
terus melangkah maju menghadapi
tantangan dengan optimis.
Tugu Insurance’s solid performance in
2024 was the result of a well-formulated
strategy and effective execution, which
created added value for shareholders.
This achievement was driven by the
commitment of every Tugu Insurance
employee to continuously reach new
heights, fueled by a spirit of determination
and the courage to move forward with
optimism in the face of challenges.
Tatang
Nurhidayat
Presiden Direktur
President Director
46 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Para Pemegang Saham dan Pemangku Kepentingan yang Dear Distinguished Shareholders and Stakeholders
Terhormat
Di tengah risiko perlambatan ekonomi global, output Amid the risks of a global economic slowdown, Indonesia’s
perekonomian Indonesia masih mampu tumbuh 5,03% economic output managed to grow by 5.03% in 2024. The
di tahun 2024. Resiliensi sistem keuangan nasional resilience of the national financial system also served as
turut menjadi penopang bagi pertumbuhan ekonomi a key support for domestic economic growth. The financial
domestik. Sektor jasa keuangan semakin membuktikan services sector further demonstrated its strategic role as a
peran strategisnya sebagai motor pertumbuhan sekaligus growth driver while also contributing to risk management.
berkontribusi dalam pengelolaan risiko.
Output sektor jasa keuangan tumbuh 4,74% di tahun The financial services sector grew by 4.74% in 2024,
2024 dan menjadi salah satu sektor yang masuk top-10 ranking among the top 10 business sectors that made the
lapangan usaha yang memberikan kontribusi terbesar largest contributions to the domestic economy. Both the
untuk ekonomi domestik. Sektor perbankan maupun banking sector and Non-Bank Financial Institutions (NBFI),
Industri Keuangan Non-Bank (INKB) seperti asuransi umum such as general insurance and reinsurance, continued to
dan reasuransi juga tetap tumbuh dengan solid. experience solid growth.
Total aset industri asuransi umum dan reasuransi The total assets of Indonesia’s general insurance and
Indonesia tumbuh 8,3% di 2024 menjadi Rp282 triliun. reinsurance industry grew by 8.3% in 2024, reaching
Total capaian premi bruto industri asuransi umum dan IDR282 trillion. Meanwhile, the total gross premiums of
reasuransi mencapai Rp144 triliun atau tumbuh 3,7% the general insurance and reinsurance industry amounted
dibandingkan tahun 2023. to IDR144 trillion, reflecting a 3.7% increase compared
to 2023.
Capaian premi bruto tersebut terutama masih This gross premium growth was primarily driven by the
dikontribusikan dari sektor properti, kredit dan kendaraan property, credit, and motor vehicle sectors. Although the
bermotor. Kondisi sektor properti dan kendaraan bermotor property and motor vehicle sectors faced pressures in
memang dibayangi oleh tekanan di tahun 2024. Di sisi 2024, the banking sector maintained an expansionary
lain, kredit perbankan yang tetap ekspansif dan dengan credit policy, with non-performing loans (NPL) remaining
risiko kredit macet (Non-Performing Loan/NPL) yang terjaga controlled at 2.08% as of the end of December 2024.
di 2,08% per akhir Desember 2024. Sementara itu, kinerja Additionally, the performance of the oil and gas
perdagangan sektor minyak dan gas cenderung stabil trade sector remained stable, supported by strong
dengan aliran investasi yang kuat. investment inflows.
Manajemen Tugu Insurance memahami bahwa tantangan Tugu Insurance’s management recognized that each
yang dihadapi setiap sektor yang berbeda-beda. Namun di sector faced unique challenges. However, despite these
tengah berbagai tantangan tersebut, capaian pertumbuhan challenges, the continued positive growth in the general
premi industri asuransi umum dan reasuransi yang tetap insurance and reinsurance industry underscored the
positif menunjukkan peran strategis industri asuransi sector’s strategic role in risk management, supporting
dalam pengelolaan risiko untuk mendorong pertumbuhan sustainable growth.
yang berkelanjutan.
Merespons perkembangan tersebut, Tugu Insurance In response to these developments, Tugu Insurance, as
sebagai pemimpin pasar di industri mampu menjalankan a market leader in the industry, successfully executed
strategi dengan sangat baik sehingga berdampak positif its strategies, resulting in a positive impact on financial
terhadap kinerja keuangan. Capaian premi bruto Tugu performance. Tugu Insurance’s consolidated gross
Insurance secara konsolidasi mencapai Rp8,5 triliun premiums reached IDR8.5 trillion by the end of December
per akhir Desember 2024. Premi bruto Tugu Insurance 2024. This represented a growth of 11% compared to
tumbuh 11% dibanding tahun 2023, melampaui pedoman 2023, surpassing management’s guidance and exceeding
manajemen dan di atas pertumbuhan industri. Di sisi lain, the industry’s growth rate. On the other hand, core net
laba periode berjalan inti mencapai Rp706 miliar pada profit for the period reached IDR706 billion in 2024,
2024 atau tumbuh 63% dibandingkan tahun 2023. marking a 63% increase compared to 2023.
Capaian ini menjadi bukti nyata komitmen kuat segenap This achievement served as solid evidence of the
Insan Tugu Insurance dalam melaksanakan tata kelola unwavering commitment of all members of Tugu Insurance
perusahaan yang baik serta menciptakan nilai tambah in upholding good corporate governance and creating
untuk pemegang saham. added value for shareholders.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 47
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Perumusan Strategi dan Implementasi
Strategy Formulation and Implementation
Proses perumusan strategi Tugu Insurance dilakukan The formulation of Tugu Insurance’s strategy is carried
melalui pendekatan berbasis data yang komprehensif, out through a comprehensive data-driven approach,
melibatkan analisis tren pasar, kebutuhan dan riset incorporating market trend analysis, consumer
konsumen, serta tantangan makro maupun mikro ekonomi. research and needs assessment, as well as macro and
Manajemen senantiasa memastikan agar strategi yang microeconomic challenges. Management consistently
dirancang selaras dengan visi jangka panjang perusahaan ensures that the designed strategies align with the
dan regulasi yang berlaku, seperti implementasi PSAK company’s long-term vision and prevailing regulations,
117 dan fokus pada implementasi ESG. Pada tahun 2024, such as the implementation of PSAK 117 and the focus
kebijakan strategis utama difokuskan diantaranya pada: on ESG implementation. In 2024, the key strategic
penguatan digitalisasi end-to-end, diversifikasi produk policies were centered on strengthening end-to-end
non-captive di sektor retail dan SME, serta peningkatan digitalization, diversifying non-captive products in the
daya saing melalui transformasi SDM dan inovasi retail and SME sectors, and enhancing competitiveness
teknologi informasi. through human capital transformation and information
technology innovation.
Untuk mendorong pertumbuhan, Tugu Insurance berfokus To drive growth, Tugu Insurance focuses on product
pada inovasi produk yang relevan untuk segmen SME dan innovation relevant to the SME and retail segments,
retail, termasuk produk berbasis mikro dan digital. Dalam including micro and digital-based insurance products.
sinergi BUMN, strategi kolaborasi dengan perusahaan Within the framework of State-Owned Enterprise (SOE)
BUMN lain diperkuat untuk menciptakan solusi synergy, collaboration strategies with other SOEs are
terintegrasi, seperti bundling produk asuransi dengan strengthened to create integrated solutions, such
layanan lain. Digitalisasi juga memainkan peran utama, as bundling insurance products with other services.
dengan aplikasi seperti T-Drive dan platform aggregator Digitalization also plays a crucial role, with applications
yang mendukung distribusi dan kemudahan akses like T-Drive and aggregator platforms supporting product
produk. Pendekatan customer-centric diterapkan untuk distribution and accessibility. A customer-centric approach
memahami kebutuhan unik dari pasar SME dan retail guna is applied to understand the unique needs of the SME and
meningkatkan penetrasi pasar. retail markets, thereby enhancing market penetration.
Aspek kepatuhan juga menjadi fokus strategi Tugu Compliance is also a key focus of Tugu Insurance’s
Insurance, terutama dalam rangka pemenuhan Peraturan strategy, particularly in ensuring adherence to OJK
OJK No. 11 Tahun 2023. Persiapan spin-off Unit Usaha Regulation No. 11 of 2023. The preparation for the spin-
Syariah dilakukan melalui penguatan fundamental off of the Sharia Business Unit is carried out through the
infrastruktur teknologi dan sumber daya yang mendukung reinforcement of fundamental technological infrastructure
pengelolaan independen setelah pemisahan. Tugu and resources that support independent management
Insurance juga memastikan keselarasan dengan post-separation. Tugu Insurance also ensures alignment
regulasi OJK melalui pelatihan sumber daya internal dan with OJK regulations through internal resource training
penyusunan roadmap operasional yang jelas. Strategi and the development of a clear operational roadmap.
utama adalah menjaga kontinuitas layanan dengan The core strategy includes maintaining service continuity
memisahkan sistem operasional secara bertahap, by gradually separating operational systems, ensuring
memastikan dukungan keuangan yang memadai untuk adequate financial support for the Sharia Business Unit,
Unit Usaha Syariah, dan mempertahankan kepercayaan and preserving customer confidence throughout the
pelanggan selama proses spin-off berlangsung. spin-off process.
Manajemen senantiasa memegang teguh komitmen untuk Management remains firmly committed to creating value,
terus menciptakan nilai salah satunya melalui transformasi particularly through asset transformation that focuses
aset yang fokus pada perbaikan portofolio investasi dan on improving the investment portfolio and receivables
kolektabilitas piutang. Strategi untuk meningkatkan kinerja collectability. Strategies to enhance investment portfolio
portofolio investasi ditengah volatilitas pasar selama performance amid market volatility throughout the year
tahun berjalan diantaranya adalah dengan melakukan include prudent diversification of placements, particularly
diversifikasi penempatan secara pruden pada portofolio in medium-tenor government bonds (SUN), increasing
surat utang yang saat ini didominasi SUN tenor menengah, allocation to SRBI, and maintaining a liquidity buffer to
peningkatan alokasi pada SRBI dan menjaga ketersediaan leverage market dynamics while ensuring the company’s
buffer likuiditas untuk memanfaatkan dinamika pasar ability to meet its obligations remains well managed. For
dengan tetap memastikan kemampuan pemenuhan receivables collectability, the company has implemented
kewajiban Perusahaan tetap terjaga dengan baik. Untuk a technology-based monitoring system that enables early
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Audited Report
kolektabilitas piutang, perusahaan mengimplementasikan identification of problematic receivables. Additionally,
sistem monitoring berbasis teknologi yang memungkinkan partnerships with external parties for more efficient
identifikasi dini terhadap piutang bermasalah. collection processes have helped improve liquidity and
Selain itu, kerja sama dengan mitra eksternal untuk support the achievement of financial targets.
proses penagihan yang lebih efisien telah membantu
meningkatkan likuiditas dan mendukung pencapaian
target keuangan.
Selain aset, transformasi juga dilakukan untuk proses Beyond asset transformation, Tugu Insurance is also
bisnis dan manajemen risiko. Transformasi digital di undergoing transformation in business processes and
Tugu Insurance mencakup otomatisasi proses klaim dan risk management. The company’s digital transformation
underwriting untuk meningkatkan efisiensi operasional. includes the automation of claims and underwriting
Aplikasi seperti T-Drive mendukung engagement pelanggan, processes to enhance operational efficiency. Applications
sementara integrasi API/hub dengan mitra aggregator such as T-Drive support customer engagement, while
mempermudah proses distribusi produk. Selain itu, API/hub integration with aggregator partners simplifies
penerapan analitik data membantu manajemen risiko product distribution. Additionally, the implementation of
dengan lebih baik, memungkinkan perusahaan untuk data analytics enhances risk management by enabling
mengidentifikasi potensi risiko lebih dini dan mengambil the company to identify potential risks early and take
tindakan mitigasi secara cepat. Digitalisasi ini tidak hanya swift mitigation measures. This digitalization not only
menyederhanakan proses bisnis tetapi juga meningkatkan streamlines business processes but also significantly
pengalaman pelanggan secara keseluruhan. improves the overall customer experience.
Untuk mencapai target yang telah ditetapkan serta To achieve its established targets and execute its
menjalankan strategi Perseroan, Manajemen menyadari corporate strategy, management recognizes the crucial role
pentingnya peran Sumber Daya Manusia (SDM). Oleh of human capital. Therefore, human capital transformation
karena itu, transformasi SDM menjadi poin penting dalam is a key element in the formulation and implementation of
formulasi dan implementasi strategi. Dalam hal ini, Tugu strategic initiatives. Tugu Insurance adopts a competency-
Insurance menerapkan strategi berbasis kompetensi untuk based approach to enhance workforce quality, including
meningkatkan kualitas SDM, termasuk program pelatihan continuous training programs tailored to the needs of the
berkelanjutan yang disesuaikan dengan kebutuhan industri modern insurance industry. A growth mindset culture is
asuransi modern. Budaya growth mindset juga diperkuat also reinforced by empowering employees to take on larger
melalui pemberdayaan karyawan untuk mengambil roles in innovation and cross-departmental collaboration.
peran lebih besar dalam inovasi dan kolaborasi lintas The company further invests in learning technology, such
departemen. Perusahaan juga berinvestasi dalam as digital platforms for online training, to develop a more
teknologi pembelajaran, seperti platform digital untuk adaptive and competitive workforce.
pelatihan online, guna menciptakan SDM yang lebih
adaptif dan kompetitif.
Dalam rangka monitoring capaian kinerja, Direksi For performance monitoring, the Board of Directors
memanfaatkan pendekatan berbasis teknologi dengan utilizes a technology-driven approach with a management
sistem management dashboard terkait kinerja keuangan, dashboard system that tracks financial performance,
operasional, dan implementasi strategi. Evaluasi dilakukan operational efficiency, and strategy implementation.
melalui rapat berkala dengan tim manajemen untuk Regular management meetings are conducted to evaluate
menilai capaian kinerja Perusahaan dan Key Performance corporate performance and Key Performance Indicators
Indicators (KPI) di setiap lini bisnis. Selain itu, penggunaan (KPIs) across all business lines. Moreover, the use of data
tools seperti data analytics membantu dalam menganalisis analytics tools aids in analyzing trends and mitigating
tren dan mitigasi risiko, sehingga Direksi dapat mengambil risks, enabling the Board of Directors to take the
langkah-langkah korektif yang diperlukan. necessary corrective actions effectively.
Target dan Realisasi 2024
Target and Realization for 2024
Kinerja keuangan Tugu Insurance yang tetap tumbuh di Tugu Insurance’s financial performance continued to grow
tengah berbagai tantangan yang ada serta melampaui despite various challenges and even outperformed the
kinerja industri menunjukkan bahwa target yang telah industry, indicating that the company successfully achieved
ditetapkan tercapai. Hal ini tercermin dari sisi pendapatan its set targets. This was reflected in the significant
maupun laba Tugu Insurance yang meningkat pesat. increases in both revenue and profit.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 49
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Premi bruto Tugu Insurance secara konsolidasi tumbuh On a consolidated basis, gross premiums grew by
11% di 2024 mencapai Rp8,5 triliun. Di saat yang sama 11% in 2024, reaching IDR8.5 trillion. At the same
pendapatan underwriting tumbuh lebih tinggi mencapai time, underwriting revenue experienced an even
14% menjadi Rp3,0 triliun. Pendapatan underwriting tetap higher growth of 14%, amounting to IDR3.0 trillion.
menjadi kontributor terbesar untuk pendapatan mencapai Underwriting revenue remained the largest contributor
76%. Total pendapatan Tugu Insurance di 2024 mencapai to total revenue, accounting for 76%. As a result, Tugu
Rp3,9 triliun, tumbuh 10% sejalan dengan pertumbuhan Insurance’s total revenue in 2024 reached IDR 3.9 trillion,
pendapatan underwriting. representing a 10% increase, in line with the growth in
underwriting revenues.
Dari sisi beban, total klaim neto mencapai Rp2,0 triliun On the expenses side, net claims totaled IDR2.0 trillion
pada 2024. Beban klaim neto hanya tumbuh 7% sehingga in 2024. Net claims expenses grew by only 7%, allowing
membuat hasil underwriting tetap tumbuh. Hal ini juga underwriting results to continue expanding. This also
mencerminkan kemampuan Tugu Insurance untuk tetap reflected Tugu Insurance’s ability to sustain growth while
tumbuh dengan menjaga profil risiko secara prudent prudently managing its risk profile, as seen in the decline
sebagaimana tercermin dari penurunan loss ratio menjadi in the loss ratio to 54.4% in 2024 from 62.0% in 2023.
54,4% di 2024 dibanding 62,0% pada tahun 2023.
Inisiatif optimalisasi yang dilakukan Perseroan berhasil The optimization initiatives implemented by the Company
menurunkan beban operasional sebesar 6% dibanding successfully reduced operational expenses by 6%
tahun lalu menjadi Rp760 miliar. Sementara beban compared to the previous year, bringing them down to
operasional lainnya yang merupakan beban anak usaha IDR760 billion. Meanwhile, other operational expenses,
Tugu Insurance yang bergerak di bidang non-asuransi primarily related to Tugu Insurance’s non-insurance
tetap terjaga dengan capaian Rp310 miliar dengan subsidiaries, remained stable at IDR310 billion, growing
pertumbuhan 4%. modestly by 4%.
Dengan capaian tersebut, laba usaha sebelum With these achievements, operating income before
pendapatan/(beban) lain-lain neto mencapai Rp816 other income/(expenses) net reached IDR816 billion in
miliar di 2024 dan meningkat pesat dibandingkan tahun 2024, showing a significant increase of 43% compared
sebelumnya sebesar 43%. Adapun laba tahun berjalan to the previous year. Additionally, core net profit for the
inti Tugu Insurance yang mengeluarkan pendapatan period, which excluded non-recurring income, stood at
yang bersifat tidak berulang mencapai Rp706 miliar di IDR706 billion, representing a 63% growth. These results
saat yang sama, tumbuh 63%. Hal ini mencerminkan demonstrated Tugu Insurance’s ability to sustain its growth
kemampuan Tugu Insurance yang mampu menjaga momentum while successfully executing its operational
momentum pertumbuhan dan sukses menjalankan activities efficiently.
aktivitas operasional Perseroan secara efisien.
Kendala dan Penyelesaian
Challenges and Resolutions
Industri perasuransian pada tahun 2024 menghadapi The insurance industry in 2024 faced several key
sejumlah tantangan utama. Pertama, regulasi baru seperti challenges. First, new regulations such as the
implementasi PSAK 117 yang membutuhkan investasi implementation of PSAK 117 required significant
signifikan dalam sistem pelaporan dan infrastruktur investments in reporting systems and technological
teknologi. Kedua, perubahan perilaku konsumen yang infrastructure. Second, shifting consumer behavior toward
semakin beralih ke platform digital mengharuskan digital platforms compelled insurance companies to
perusahaan asuransi untuk mempercepat transformasi accelerate their digital transformation. Third, profit margin
digital mereka. Ketiga, tekanan terhadap margin pressures increased due to intensifying competition in the
keuntungan akibat persaingan yang semakin ketat di retail and SME markets, further exacerbated by inflation
pasar retail dan SME, yang diperburuk oleh inflasi dan and global economic uncertainty.
ketidakpastian ekonomi global.
Selain itu, peningkatan risiko terkait ESG (Environment, Additionally, the rising risks associated with ESG
Social, and Governance), termasuk dampak perubahan (Environmental, Social, and Governance) factors,
iklim terhadap portofolio asuransi properti, menjadi including the impact of climate change on property
tantangan baru yang membutuhkan adaptasi strategi insurance portfolios, introduced new challenges that
underwriting dan mitigasi risiko. required adjustments in underwriting strategies and risk
mitigation measures.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugu Insurance menghadapi beberapa kendala utama di Tugu Insurance encountered several major challenges
tahun 2024, termasuk tantangan implementasi PSAK in 2024, including the implementation of PSAK 117,
117, tekanan pada rasio profitabilitas, dan kebutuhan pressures on profitability ratios, and the need to expand
untuk memperluas pangsa pasar di segmen non-captive. its market share in the non-captive segment. To address
Untuk mengatasi hal ini, Tugu Insurance telah menyusun these issues, the company devised several strategic
sejumlah action-plan strategis: action plans:
• Kendala PSAK 117: Perseroan mempersiapkan sistem • PSAK 117 implementation: The company prepared a
teknologi yang dapat mendukung penyajian laporan technological system capable of supporting financial
keuangan sesuai standar baru. Selain itu, pelatihan reporting in accordance with the new standards.
internal bagi karyawan dilakukan untuk memastikan Additionally, internal training programs were conducted
kepatuhan penuh terhadap regulasi ini. Hingga saat ini, to ensure full compliance with this regulation. As of
proses implementasi berjalan sesuai jadwal, dengan now, the implementation process is progressing as
target finalisasi infrastruktur pada akhir tahun 2024. scheduled, with the infrastructure expected to be
• Tekanan Profitabilitas: Strategi efisiensi operasional finalized by the end of 2024.
diterapkan melalui digitalisasi end-to-end, termasuk • Profitability pressures: Operational efficiency strategies
otomatisasi proses klaim dan underwriting. Selain were implemented through end-to-end digitalization,
itu, diversifikasi portofolio investasi ke instrumen including the automation of claims and underwriting
yang lebih stabil seperti obligasi pemerintah telah processes. Furthermore, investment portfolio
membantu menjaga imbal hasil investasi, sementara diversification into more stable instruments, such
penurunan loss ratio dari 62,0% menjadi 54,4% as government bonds, helped sustain investment
menunjukkan efektivitas manajemen risiko. returns. The reduction in the loss ratio from 62.0%
• Perluasan Pasar Non-Captive: Tugu Insurance to 54.4% demonstrated the effectiveness of risk
memprioritaskan inovasi produk di segmen retail management efforts.
dan SME, yang didukung oleh platform digital seperti • Expansion of the non-captive market: Tugu Insurance
T-Drive dan kerja sama dengan aggregator. Hingga akhir prioritized product innovation in the retail and SME
tahun 2024, kontribusi premi dari segmen non-captive segments, supported by digital platforms such as
menunjukkan tren peningkatan signifikan, mendukung T-Drive and partnerships with aggregators. By the end
pertumbuhan premi bruto sebesar 11%. of 2024, premium contributions from the non-captive
segment showed a significant upward trend, supporting
an 11% growth in gross premiums.
Hasil dari upaya tersebut menunjukkan kemajuan positif. The outcomes of these initiatives demonstrated positive
Tugu Insurance tidak hanya berhasil menjaga stabilitas progress. Tugu Insurance not only successfully maintained
kinerja keuangan tetapi juga memperluas basis pelanggan, financial stability but also expanded its customer base,
mendukung pertumbuhan yang berkelanjutan di tengah fostering sustainable growth amid industry challenges.
tantangan industri.
Analisa Prospek Usaha
Business Outlook Analysis
Proyeksi pertumbuhan ekonomi Indonesia tahun 2025 The projected economic growth of Indonesia in 2025,
sebesar 4,8–5,6% mencerminkan stabilitas yang baik estimated at 4.8–5.6%, reflects a stable outlook for
untuk sektor keuangan, termasuk industri asuransi. the financial sector, including the insurance industry.
Konsumsi domestik dan investasi yang diperkirakan The anticipated increase in domestic consumption and
meningkat akan menciptakan peluang di segmen retail dan investment will create opportunities in both the retail and
korporasi. Bagi Tugu Insurance, ini menjadi momentum corporate segments. For Tugu Insurance, this serves as a
untuk memperluas penetrasi pasar asuransi umum dengan momentum to expand the penetration of general insurance
produk-produk yang lebih terjangkau, terutama di sektor with more affordable products, particularly in the property,
properti, kendaraan bermotor, dan kesehatan motor vehicle, and health sectors.
Ketidakpastian geopolitik global, termasuk perang dagang Global geopolitical uncertainties, including trade wars
dan fluktuasi nilai tukar, dapat memberikan tekanan pada and exchange rate fluctuations, may exert pressure on
stabilitas ekonomi dan daya beli masyarakat. Hal ini economic stability and consumer purchasing power.
memengaruhi strategi Tugu Insurance dalam diversifikasi This situation influences Tugu Insurance’s strategy in
portofolio bisnis, termasuk mengurangi ketergantungan diversifying its business portfolio, including reducing
pada pasar tertentu. Tugu Insurance juga akan dependency on specific markets. The company will also
meningkatkan investasi pada teknologi digital dan inovasi enhance investments in digital technology and product
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
produk untuk menjaga daya saing serta menyesuaikan innovation to maintain competitiveness while adjusting
tarif premi agar tetap kompetitif di tengah kondisi ekonomi premium rates to remain attractive amid dynamic global
global yang dinamis. economic conditions.
Tugu Insurance secara aktif memanfaatkan data analytics Tugu Insurance actively leverages data analytics and
dan riset pasar untuk memahami perubahan kebutuhan market research to understand evolving consumer needs.
konsumen. Dengan pendekatan berbasis teknologi, With a technology-driven approach, the company identifies
perusahaan dapat mengidentifikasi segmen yang underserved segments such as SMEs and millennial
belum terlayani, seperti UMKM dan konsumen milenial. consumers. Additionally, collaborations with strategic
Selain itu, kolaborasi dengan mitra strategis, termasuk partners, including digital aggregators and state-owned
aggregator digital dan platform BUMN, menjadi kunci untuk enterprise (SOE) platforms, play a crucial role in capturing
menangkap peluang pasar yang lebih luas. broader market opportunities.
Tugu Insurance juga mengintegrasikan risk management Risk management is integrated into every business
dalam setiap proses pengambilan keputusan bisnis. decision-making process. Market opportunities are
Peluang pasar dievaluasi berdasarkan risk appetite evaluated based on the company’s risk appetite, with a
perusahaan, dengan fokus pada segmen yang memberikan focus on segments that offer growth potential without
potensi pertumbuhan tanpa mengorbankan stabilitas compromising financial stability. A prudent, data-driven
keuangan. Strategi prudent underwriting berbasis data underwriting strategy is applied to proactively manage
diterapkan untuk mengelola risiko secara proaktif, risks, while product and investment portfolio diversification
sementara diversifikasi produk dan portofolio investasi helps mitigate exposure to market fluctuations.
membantu memitigasi eksposur risiko terhadap
perubahan pasar.
Pengembangan bisnis Tugu Insurance di tahun 2025 Tugu Insurance’s business development in 2025 will
difokuskan pada perluasan segmen retail dan SME, focus on expanding the retail and SME segments, aligning
sejalan dengan tren ekonomi domestik yang tumbuh. with the projected growth of the domestic economy.
Selain itu, spin-off Unit Usaha Syariah juga akan Furthermore, the spin-off of the Sharia Business Unit will
memberikan ruang untuk mengembangkan bisnis berbasis provide an opportunity to develop sharia-based insurance
syariah secara lebih independen, yang diproyeksikan independently, attracting new market interest. Digital
menarik minat pasar baru. Transformasi digital dan transformation and the enhancement of technology-based
peningkatan layanan berbasis teknologi akan menjadi services will be the key drivers of business growth.
pendorong utama pertumbuhan bisnis.
Tugu Insurance menerapkan pendekatan customer-centric The company adopts a customer-centric approach by
dengan menawarkan produk yang relevan, terjangkau, offering relevant, affordable, and easily accessible
dan mudah diakses. Peningkatan penetrasi juga didukung products. Market penetration efforts will also be supported
oleh kampanye edukasi literasi asuransi yang menyasar by insurance literacy campaigns targeting millennial and
konsumen milenial dan gen Z. Digitalisasi menjadi kunci, Gen Z consumers. Digitalization remains a key focus, with
dengan memperkuat aplikasi mobile dan kemitraan efforts to strengthen mobile applications and strategic
strategis bersama aggregator untuk distribusi produk yang partnerships with aggregators to ensure wider and more
lebih luas dan efisien. efficient product distribution.
Tantangan utama tahun 2025 adalah memastikan sinergi A key challenge in 2025 is ensuring synergy between Tugu
antara Tugu Insurance dengan anak perusahaan dan Insurance and its subsidiaries and affiliates, particularly in
afiliasinya, terutama dalam hal tata kelola dan konsistensi governance and strategic consistency. Optimization will be
strategi. Optimalisasi dilakukan melalui peningkatan carried out by improving operational efficiency across all
efisiensi operasional di seluruh entitas dan pengembangan entities and developing integrated products. Subsidiaries
produk yang terintegrasi. Anak perusahaan diharapkan are expected to expand their market share and
dapat memperluas pangsa pasarnya dan menjaga maintain operational performance, ultimately supporting
optimalisasi kinerja operasionalnya, yang pada akhirnya consolidated performance.
mendukung kinerja konsolidasian.
Tugu Insurance terus menjaga tren pertumbuhan dengan Tugu Insurance continues to sustain its growth trajectory
fokus pada inovasi produk, peningkatan pengalaman by focusing on product innovation, enhancing customer
pelanggan, dan ekspansi digital. Kemitraan strategis experience, and expanding digital capabilities. Strategic
dengan platform BUMN dan aggregator akan diperkuat partnerships with SOE platforms and aggregators
untuk memperluas distribusi produk. Selain itu, investasi will be strengthened to broaden product distribution.
pada kapabilitas SDM dan transformasi digital akan Additionally, investments in human capital development
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
memastikan perusahaan tetap adaptif terhadap dinamika and digital transformation will ensure the company
pasar dan mempertahankan keunggulan kompetitif. remains adaptive to market dynamics and maintains its
competitive advantage.
Penerapan Tata Kelola Perusahaan
Corporate Governance Implementation
Penerapan tata kelola yang baik atau Good Corporate The implementation of Good Corporate Governance
Governance (GCG) menjadi fondasi utama bagi (GCG) serves as the fundamental pillar for the long-
keberlangsungan jangka panjang Tugu Insurance. Dengan term sustainability of Tugu Insurance. Through GCG, the
GCG, perusahaan memastikan transparansi, akuntabilitas, company ensures transparency, accountability, and integrity
dan integritas dalam setiap pengambilan keputusan, in every decision-making process, thereby enhancing
sehingga meningkatkan kepercayaan stakeholder, stakeholder trust, including that of customers, business
termasuk pelanggan, mitra bisnis, dan regulator. partners, and regulators. This framework also enables the
Hal ini juga membantu perusahaan untuk mengelola company to manage risks more effectively, strengthen its
risiko secara lebih efektif, memperkuat reputasi, dan reputation, and create sustainable value that supports
menciptakan nilai tambah berkelanjutan yang mendukung business growth.
pertumbuhan bisnis.
Proses self-assessment implementasi GCG dilakukan The self-assessment process for GCG implementation is
secara berkala dengan mengacu pada pedoman conducted periodically in accordance with the guidelines
yang ditetapkan Otoritas Jasa Keuangan (OJK). Tugu set by the Financial Services Authority (OJK). Tugu
Insurance mengevaluasi pelaksanaan GCG di seluruh lini Insurance evaluates GCG implementation across all levels
perusahaan, termasuk komitmen terhadap transparansi, of the company, including commitment to transparency,
efektivitas fungsi pengawasan, dan kepatuhan terhadap effectiveness of supervisory functions, and compliance
regulasi. Hasil self-assessment ini kemudian dilaporkan with regulations. The results of this self-assessment are
kepada Dewan Komisaris dan digunakan sebagai bahan then reported to the Board of Commissioners and used as
untuk perbaikan tata kelola yang lebih baik di masa depan. a basis for further governance improvements.
Tugu Insurance terus memperbarui pedoman GCG untuk Tugu Insurance continuously updates its GCG guidelines to
memastikan keselarasan dengan regulasi terbaru dan ensure alignment with the latest regulations and industry
praktik terbaik industri. Pada tahun 2024, perusahaan best practices. In 2024, the company strengthened
memperkuat pedoman ini dengan memasukkan kebijakan these guidelines by incorporating policies that support
yang mendukung keberlanjutan (ESG), memperjelas sustainability (ESG), clarifying the responsibilities of
tanggung jawab komite pengawasan, dan meningkatkan supervisory committees, and enhancing whistleblowing
mekanisme pelaporan pelanggaran. Perusahaan juga mechanisms. The company has also integrated GCG
mengintegrasikan GCG dengan sistem digital untuk with digital systems to facilitate real-time monitoring
mempermudah monitoring dan pelaporan secara real-time. and reporting.
Tugu Insurance menerapkan Sistem Manajemen Anti Tugu Insurance implements an Anti-Bribery Management
Penyuapan (SMAP) sesuai ISO 37001:2016 dengan System (SMAP) in accordance with ISO 37001:2016 by
mengembangkan kebijakan anti-penyuapan yang developing a comprehensive anti-bribery policy, including
komprehensif, termasuk kode etik dan prosedur pelaporan a code of ethics and whistleblowing procedures. Regular
pelanggaran. Program pelatihan anti-penyuapan diberikan anti-bribery training programs are provided to employees
secara berkala kepada karyawan untuk meningkatkan to increase awareness and understanding. Additionally,
kesadaran dan pemahaman mereka. Selain itu, the company has established independent monitoring and
perusahaan membangun mekanisme pengawasan dan audit mechanisms to ensure the effective implementation
audit independen untuk memastikan implementasi SMAP of SMAP.
berjalan efektif.
Direksi memastikan kecukupan Sistem Pengendalian The Board of Directors ensures the adequacy of the
Internal melalui pengawasan rutin terhadap laporan audit Internal Control System through regular monitoring
internal, evaluasi risiko, dan pelaksanaan kebijakan of internal audit reports, risk evaluations, and the
operasional. Proses ini didukung oleh teknologi informasi enforcement of operational policies. This process
untuk meningkatkan transparansi dan efisiensi dalam is supported by information technology to enhance
monitoring. Direksi juga berkoordinasi erat dengan Komite transparency and efficiency in monitoring. The Board
Audit untuk meninjau hasil pengendalian internal dan of Directors also closely coordinates with the Audit
memberikan arahan untuk perbaikan yang diperlukan. Committee to review internal control outcomes and provide
necessary directives for improvements.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Berdasarkan hasil evaluasi Sistem Pengendalian Internal Based on the evaluation of the Internal Control System
pada tahun 2024, Tugu Insurance mengambil langkah- in 2024, Tugu Insurance has taken concrete measures
langkah konkret, seperti peningkatan otomatisasi dalam such as automating claims processes to reduce the risk
proses klaim untuk mengurangi risiko kesalahan manual of manual errors and developing a technology-based
dan pengembangan sistem monitoring berbasis teknologi monitoring system to expedite risk identification. The
untuk mempercepat identifikasi risiko. Perusahaan juga company has also conducted specialized training for
mengadakan pelatihan khusus bagi tim terkait untuk relevant teams to strengthen their understanding of
memperkuat pemahaman tentang kepatuhan dan mitigasi compliance and operational risk mitigation.
risiko operasional.
Prinsip GCG diintegrasikan dengan strategi bisnis Tugu GCG principles are integrated into Tugu Insurance’s
Insurance melalui fokus pada transparansi dalam business strategy by focusing on transparency in
pelaporan kinerja, pengelolaan risiko yang berkelanjutan, performance reporting, sustainable risk management,
dan inovasi produk yang bertanggung jawab. GCG and responsible product innovation. GCG also serves as
juga menjadi pedoman dalam menjalin kemitraan a guiding principle in establishing strategic partnerships,
strategis, memastikan bahwa setiap keputusan bisnis ensuring that every business decision is made based on
didasarkan pada prinsip keadilan dan integritas. Dengan fairness and integrity. By doing so, Tugu Insurance can
demikian, Tugu Insurance dapat mencapai kinerja unggul achieve outstanding performance while maintaining the
sekaligus mempertahankan kepercayaan dari para trust of its stakeholders.
pemangku kepentingan.
Pengembangan Sumber Daya Manusia
Human Resources Development
Tugu Insurance fokus pada tiga aspek utama untuk Tugu Insurance focuses on three key aspects to enhance
meningkatkan kualitas Sumber Daya Manusia (SDM). the quality of its human resources. First, competency
Pertama, pengembangan kompetensi berbasis development aligned with industry needs through technical
kebutuhan industri melalui pelatihan teknis dan program training and professional certification programs. Second,
sertifikasi profesional. Kedua, penguatan budaya kerja the reinforcement of an innovation- and collaboration-
yang berorientasi pada inovasi dan kolaborasi melalui oriented work culture through the implementation of
penerapan nilai-nilai AKHLAK. Ketiga, penerapan sistem AKHLAK values. Third, the adoption of a technology-based
berbasis teknologi dalam pengelolaan SDM untuk system for human resource management to facilitate
memudahkan proses pengembangan karier, evaluasi career development, performance evaluation, and
kinerja, dan engagement karyawan. employee engagement.
Tugu Insurance menerapkan nilai-nilai budaya AKHLAK Tugu Insurance integrates AKHLAK (Amanah, Kompeten,
(Amanah, Kompeten, Harmonis, Loyal, Adaptif, dan Harmonis, Loyal, Adaptif, and Kolaboratif) values
Kolaboratif) dalam setiap aspek operasional dan into all aspects of operations and human resource
pengelolaan SDM. Nilai Amanah diwujudkan melalui management. Amanah is reflected in a high level of
integritas tinggi dalam layanan dan pelaporan. Kompetensi integrity in services and reporting. Competence is
ditingkatkan dengan pelatihan dan pengembangan enhanced through continuous training and development
berkelanjutan. Nilai Harmonis tercermin dalam upaya programs. Harmony is demonstrated in efforts to create
menciptakan lingkungan kerja inklusif. Loyalitas an inclusive work environment. Loyalty is fostered
dipupuk melalui program apresiasi bagi karyawan yang through employee appreciation programs for outstanding
berprestasi. Adaptivitas ditekankan untuk mendorong achievements. Adaptability is emphasized to drive
inovasi, sedangkan kolaborasi menjadi dasar kerja tim innovation, while collaboration serves as the foundation for
lintas fungsi. cross-functional teamwork.
Dalam mengelola talent life cycle, Tugu Insurance In managing the talent life cycle, Tugu Insurance
mengambil langkah-langkah strategis seperti rekrutmen implements strategic measures such as competency-
berbasis kompetensi, perencanaan suksesi, dan based recruitment, succession planning, and structured
pengelolaan karier yang terstruktur. Sistem pengelolaan career management. A technology-based management
berbasis teknologi membantu dalam memantau kinerja, system is utilized to monitor employee performance,
potensi, dan keterlibatan karyawan sepanjang karier potential, and engagement throughout their careers.
mereka. Selain itu, program retensi dan promosi internal Additionally, retention programs and internal promotions
diterapkan untuk memastikan keberlanjutan pipeline are in place to ensure the continuity of the talent pipeline
talenta di setiap level organisasi. at all levels of the organization.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugu Insurance menggunakan sistem penilaian berbasis Tugu Insurance employs a data-driven assessment
data yang mengukur kinerja, potensi, dan kontribusi system to measure employee performance, potential,
karyawan terhadap organisasi. Penilaian ini dilakukan and contributions to the organization. This assessment
melalui metode seperti 360-degree feedback, analisis is conducted using methods such as 360-degree
KPI, dan review berkala oleh manajemen. Selain itu, feedback, KPI analysis, and regular management reviews.
Tugu Insurance juga menjalankan program identifikasi Furthermore, the company runs a high-potential employee
high-potential employees (HiPo) untuk memastikan (HiPo) identification program to ensure that top talents
talenta unggul diberikan kesempatan lebih besar dalam receive greater opportunities for development and
pengembangan dan perencanaan suksesi. succession planning.
Komitmen terhadap Tanggung Jawab Sosial dan Lingkungan (TJSL)
Commitment to Corporate Social & Environmental Responsibility (CSR)
Tujuan utama Tugu Insurance dalam menjalankan program The primary objective of Tugu Insurance in implementing
TJSL adalah untuk berkontribusi pada pembangunan its Corporate Social and Environmental Responsibility
masyarakat yang berkelanjutan melalui dukungan terhadap (CSR) program is to contribute to sustainable community
lingkungan, pemberdayaan sosial, dan penguatan tata development by supporting environmental conservation,
kelola perusahaan. Dengan menjalankan TJSL, perusahaan social empowerment, and the strengthening of corporate
bertujuan untuk menciptakan dampak positif yang governance. Through CSR, the company aims to create a
seimbang antara keberlanjutan bisnis dan peningkatan balanced positive impact between business sustainability,
kesejahteraan masyarakat serta kelestarian lingkungan. community well-being, and environmental preservation.
Prinsip ESG diterapkan dalam setiap aspek program TJSL Environmental, Social, and Governance (ESG) principles
Tugu Insurance. Pada aspek lingkungan, perusahaan fokus are embedded in all aspects of Tugu Insurance’s CSR
pada inisiatif pengurangan jejak karbon, seperti program programs. In the environmental aspect, the company
go-green di kantor dan kampanye energi terbarukan. Dalam focuses on carbon footprint reduction initiatives, such
aspek sosial, Tugu Insurance mendukung pemberdayaan as office-wide go-green programs and renewable energy
masyarakat melalui pendidikan, kesehatan, dan pelatihan campaigns. In the social aspect, Tugu Insurance supports
kewirausahaan. Pada aspek tata kelola, TJSL dijalankan community empowerment through education, healthcare,
dengan transparansi dan akuntabilitas, memastikan and entrepreneurship training. In terms of governance,
program ini selaras dengan regulasi dan etika bisnis. CSR programs are conducted with transparency and
accountability, ensuring alignment with regulatory
requirements and ethical business practices.
Tugu Insurance mengevaluasi keberhasilan program TJSL Tugu Insurance evaluates the success of its CSR initiatives
melalui pengukuran dampak yang berbasis indikator through impact-based performance indicators, including
kinerja, seperti jumlah penerima manfaat, pengurangan the number of beneficiaries, carbon footprint reduction,
jejak karbon, dan peningkatan kesejahteraan masyarakat. and improvements in community welfare. Additionally, the
Selain itu, perusahaan juga menggunakan survei company utilizes community satisfaction surveys and third-
kepuasan masyarakat dan laporan pihak ketiga untuk party reports to assess whether the program objectives
memastikan bahwa tujuan program telah tercapai. Hasil have been met. The evaluation results are transparently
evaluasi ini disampaikan secara transparan dalam laporan presented in the annual CSR report as part of the
tahunan TJSL sebagai bentuk akuntabilitas kepada para company’s accountability to stakeholders.
pemangku kepentingan.
Untuk memastikan keberlanjutan program TJSL, Tugu To ensure the long-term sustainability of its CSR programs,
Insurance berkomitmen pada penyediaan anggaran Tugu Insurance is committed to allocating a dedicated
berkelanjutan yang dialokasikan dalam perencanaan annual budget within its strategic planning. The company
tahunan. Perusahaan juga melibatkan mitra strategis, also collaborates with strategic partners, such as non-
seperti lembaga non-pemerintah dan komunitas governmental organizations (NGOs) and local communities,
lokal, untuk menciptakan dampak yang lebih luas dan to amplify the program’s reach and sustainability. TJSL
berkelanjutan. Program TJSL terus diselaraskan dengan initiatives are continuously aligned with ESG priorities
prioritas ESG dan tujuan jangka panjang perusahaan, and the company’s long-term objectives, ensuring their
sehingga relevansi dan efektivitasnya dapat terus terjaga continued relevance and effectiveness in the future.
di masa mendatang.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Komposisi Direksi 2024
Board of Directors Composition 2024
Berdasarkan hasil Rapat Umum Pemegang Saham Based on the results of the Annual General Meeting of
Tahunan (RUPST) yang diselenggarakan pada 29 April Shareholders (AGMS) held on 29 April 2024, there were
2024, tidak terdapat perubahan pada komposisi Direksi, no changes in the composition of the Board of Directors.
sehingga anggota Direksi Tugu Insurance per 31 Desember As of 31 December 2024, the members of the Board of
2024 adalah sebagai berikut: Directors of Tugu Insurance are as follows:
Nama Jabatan
Name Positions
Tatang Nurhidayat Presiden Direktur
President Director
Emil Hakim Direktur Keuangan dan Layanan Korporat
Finance and Corporate Service Director
Ery Widiatmoko Direktur Pemasaran Asuransi
Insurance Marketing Director
Edi Yoga Prasetyo Direktur Kepatuhan dan Manajemen Risiko
Compliance and Risk Management Director
Sudarlin Direktur Teknik
Technical Director
Apresiasi
Board of Directors Composition 2024
Tahun 2024 merupakan tahun yang penuh tantangan The year 2024 has been a year of both challenges and
sekaligus pencapaian luar biasa bagi Tugu Insurance. remarkable achievements for Tugu Insurance. This success
Keberhasilan ini tidak terlepas dari dedikasi dan kerja would not have been possible without the dedication and
keras seluruh insan Tugu, mulai dari karyawan, jajaran hard work of all members of Tugu, from employees and the
Direksi, hingga Dewan Komisaris, yang senantiasa Board of Directors to the Board of Commissioners, who
berkomitmen dalam menghadirkan kinerja terbaik have remained committed to delivering the company’s best
bagi perusahaan. Atas pencapaian ini, manajemen performance. In light of this achievement, management
menyampaikan apresiasi yang setinggi-tingginya serta extends its highest appreciation and heartfelt gratitude to
mengucapkan terima kasih kepada seluruh pemangku all stakeholders, including customers, business partners,
kepentingan, termasuk pelanggan, mitra bisnis, regulator, regulators, and shareholders, for their unwavering support
dan pemegang saham, atas dukungan dan kepercayaannya and trust in Tugu Insurance. We remain committed to
kepada Tugu Insurance. Kami berkomitmen untuk moving forward with innovation and integrity to achieve
terus melangkah maju dengan inovasi dan integritas sustainable growth in the future.
guna mencapai pertumbuhan yang berkelanjutan di
masa depan.
Jakarta, 27 Maret 2025
Atas nama Direksi,
On behalf of the Board of Directors,
Tatang Nurhidayat
Presiden Direktur
President Director
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Surat Pernyataan Dewan Komisaris
Statement Letter of Board of Commissioners
Kami yang bertanda tangan di bawah ini menyatakan The undersigned below acknowledge that all information
bahwa semua informasi dalam Laporan Tahunan contained in the 2024 Annual Report of PT Asuransi
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2024 telah Tugu Pratama Indonesia Tbk has been presented as a
dimuat secara lengkap dan bertanggung jawab penuh atas whole and therefore are accountable for the validity of the
kebenaran isi Laporan Tahunan Perusahaan tersebut. Company’s Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 27 Maret 2025
Jakarta, March 27, 2025
Dewan Komisaris
Board of Commissioners
Abdul Ghofar
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Samuel Ramna
Komisaris Komisaris
Commissioner Commissioner
Poerwo Tjahjono Tajudin Noor
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
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05 Tata Kelola Perusahaan
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Surat Pernyataan Direksi
Statement Letter of Board of Directors
Kami yang bertanda tangan di bawah ini menyatakan The undersigned below acknowledge that all information
bahwa semua informasi dalam Laporan Tahunan contained in the 2024 Annual Report of PT Asuransi
PT Asuransi Tugu Pratama Indonesia Tbk Tahun 2024 telah Tugu Pratama Indonesia Tbk has been presented as a
dimuat secara lengkap dan bertanggung jawab penuh atas whole and therefore are accountable for the validity of the
kebenaran isi Laporan Tahunan Perusahaan tersebut. Company’s Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 27 Maret 2025
Jakarta, March 27, 2025
Direksi
Board of Directors
Tatang Nurhidayat
Presiden Direktur
President Director
Emil Hakim Ery Widiatmoko
Direktur Keuangan & Layanan Korporat Direktur Pemasaran Asuransi
Finance & Corporate Service Director Insurance Marketing Director
Edi Yoga Prasetyo Sudarlin
Direktur Kepatuhan & Manajemen Risiko Direktur Teknik
Compliance & Risk Management Director Technical Director
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk
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03
Profil
Perusahaan
Company Profile
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Identitas Perusahaan
Company Identity
Nama Perusahaan PT Asuransi Tugu Pratama Indonesia Tbk
Company Name (“Tugu”)
Tanggal Pendirian Perusahaan 25 November 1981
Date of Establishment 25 November 1981
Bursa Bursa Efek Indonesia
Exchange Indonesia Stock Exchange
Tanggal Pencatatan 28 Mei 2018
Listing Date 28 May 2018
Kode Saham TUGU
Ticker
Papan Pencatatan Papan Utama
Listing Board Main Board
Dasar Hukum Pendirian Perusahaan Perusahaan didirikan berdasarkan Akta Notaris No. 9 tanggal 25 November 1981 dari Tan Thong
Legal Basis of Establishment Kie, S.H., Akta Pendirian ini disahkan oleh Menteri Kehakiman Republik Indonesia dengan Surat
Keputusan No. Y.A5/177/20 tanggal 15 Maret 1982, didaftarkan pada Kantor Pengadilan Negeri
Jakarta No. 1244 dan 1245 tanggal 2 April 1982, dan telah diumumkan pada Berita Negara
Republik Indonesia No. 54 tanggal 6 Juli 1982.
The Company was established based on Notarial Deed No. 9 dated 25 November 1981 passed
before Tan Thong Kie, S.H., legalized by the Minister of Justice of the Republic of Indonesia with
Ministerial Decree No. Y.A5/177/20 dated 15 March 1982, Registered in the Jakarta District Court
Office No. 1244 and 1245 dated 2 April 1982 and has been published in the Republic of Indonesia’s
State Gazette No. 54 dated 6 July 1982.
Bidang Usaha Asuransi Umum (konvensional & syariah)
Business Field General Insurance (conventional & sharia)
Kepemilikan Saham • 58,50% PT Pertamina (Persero)
(per 31 Desember 2024) • 15,89% UOB Kay Hian Pte. Ltd
Share Ownersip • 5,29% Samsung Fire & Marine Insurance, Co., Ltd.
(per 31 December 2024) • 20,32% Masyarakat (masing-masing kepemilikan <5%) | Public (with ownership of <5%)
Modal Dasar Rp640.000.000.000,-
Authorized Capital
Modal Ditempatkan dan Disetor Penuh Rp177.778.780.000,-
Issued and Fully Paid-up Capital
Jumlah Pegawai 469 orang
Total Employees 469 people
Point of Sales and Services (PoSS) Per 31 Desember 2024 terdapat 31 PoSS yang terbagi dalam 2 (dua) regional, yaitu Regional 1
terdiri dari 17 PoSS, dan Regional 2 terdiri dari 14 PoSS.
As of 31 December 2024, there were 31 PoSS which are divided into 2 (two) regions, namely Region
1 consisting of 17 PoSS, and Region 2 consisting of 14 PoSS.
Alamat Kantor Pusat Gedung Wisma Tugu I Whatsapp: 0811 9790 0100
Address of Head Office Jl. H.R. Rasuna Said Kav. C 8-9 Jakarta Facebook: @tuguinsurance.id
Selatan 12920, X: @tuguinsurance
Indonesia Instagram: @tuguinsurance,@mytdrive.id,@lifeattugu
Linkedin: PT Asuransi Tugu Pratama Indonesia Tbk
Telepon: Youtube: Tugu Insurance
+62 21 529 61 777 (hunting) TikTok: @tuguinsurance
Faksimile:
+62 21 529 61 555, 529 62 555
Email:
enquiry@tugu.com; calltia@tugu.com;
Hotline 24/7 Call TIA:
1500 458
62 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Audited Report
Riwayat Singkat Tugu Insurance
Brief History of Tugu Insurance
PT Asuransi Tugu Pratama Indonesia PT Asuransi Tugu Pratama Indonesia
Tbk (“Tugu Insurance” atau Tbk (“Tugu Insurance” or “the
“Perseroan”) berdomisili di Jakarta Company”) domiciled in South
Selatan dan pertama kali didirikan Jakarta, previously established
dengan nama PT Tugu Pratama under the name of PT Tugu Pratama
Indonesia berdasarkan Akta Pendirian Indonesia based on Deed of
No. 9 tanggal 25 November 1981 Establishment No. 9 dated 25
yang dibuat di hadapan Thong Tan November 1981, passed before
Kie, Notaris di Jakarta dan telah Thong Tan Kie, Notary in Jakarta,
disahkan oleh Menteri Kehakiman and legalized by Minister of Justice
Republik Indonesia melalui Surat of the Republic of Indonesia with
Keputusan No. Y.A5/177/20 tanggal Ministerial Decree No. Y.A5/177/20
15 Maret 1982 serta didaftarkan dated 15 March 1982 and registered
pada Kantor Pengadilan Negeri in the Jakarta District Court Office
Jakarta No.1244 dan 1245 tanggal No.1244 dan 1245 dated 2 April
2 April 1982, dan telah diumumkan 1982, and has been published in the
dalam Berita Negara Republik Republic of Indonesia’s State Gazette
Indonesia No. 54 tanggal 6 Juli No. 54 dated 6 July 1982. The
1982. Anggaran Dasar Perseroan Company’s Articles of Association
telah mengalami beberapa kali have been amended several times,
perubahan, terakhir dengan Akta most recently by Notarial Deed No.
Notaris No. 123 tanggal 28 April 123 dated 28 April 2023 from Notary
2023 dari Notaris Jose Dima Satria, Jose Dima Satria, S.H., M.Kn., Notary
S.H., M.Kn., Notaris di Jakarta in Jakarta concerning Statement of
tentang Pernyataan Keputusan Meeting Resolutions on Amendments
Rapat Perubahan Anggaran to the Articles of Association of PT
Dasar PT Asuransi Tugu Pratama Asuransi Tugu Pratama Indonesia
Indonesia Tbk. Perubahan Anggaran Tbk. The amendments to the Articles
Dasar tersebut telah memperoleh of Association have received approval
persetujuan dari Menteri Hukum from the Minister of Law and Human
dan Hak Asasi Manusia Republik Rights of the Republic of Indonesia in
Indonesia dalam Surat Keputusan Decree No. AHU-AH.01.03-0059835
No. AHU-AH.01.03-0059835 tanggal dated 5 May 2023.
5 Mei 2023.
Sejak didirikan (1981-1984), Since its founding (1981-1984),
Tugu Insurance telah berfokus Tugu Insurance has focused on
pada penyediaan asuransi untuk providing risk coverage insurance
penanggulangan risiko di industri for the national oil and gas industry,
minyak dan gas nasional, khususnya particularly safeguarding assets
melindungi aset-aset milik owned by its holding company, PT
perusahaan induknya, PT Pertamina Pertamina (Persero), a State-Owned
(Persero), yang merupakan Badan Enterprise (SOE). To expand its
Usaha Milik Negara (BUMN). Untuk business, between 1985 and 1998,
memperluas usahanya, antara the company invested in various
tahun 1985 dan 1998, perusahaan domestic and international entities,
melakukan investasi di berbagai leading to the formation of several
entitas domestik dan internasional, subsidiaries under the TUGU Group.
yang kemudian membentuk beberapa These subsidiaries and affiliates
anak perusahaan di bawah TUGU are engaged in complementary
Group. Anak-anak perusahaan dan businesses that support Tugu
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Management Discussion and Analysis
afiliasi ini bergerak di bidang usaha yang saling melengkapi Insurance's core activities and broaden its range of
guna mendukung kegiatan utama Tugu Insurance dan products and services.
memperluas jangkauan produk serta layanannya.
Pada tahun 2024, Tugu Insurance terus memanfaatkan In 2024, Tugu Insurance continued to leverage its
keahliannya di segmen asuransi korporasi, dengan expertise in the corporate insurance segment, building
melanjutkan pengalamannya yang mendalam dalam on its deep-rooted experience in supporting large-scale
mendukung proyek-proyek minyak dan gas berskala oil and gas projects. Initially recognized for providing
besar. Awalnya dikenal sebagai penyedia solusi asuransi comprehensive insurance solutions to PT Pertamina
komprehensif untuk PT Pertamina (Persero) beserta (Persero) and its network, including subsidiaries and
jaringannya, termasuk anak perusahaan dan berbagai various Cooperation Contract Holders (CCH), Tugu
Pemegang Kontrak Kerja Sama (KKKS), Tugu Insurance Insurance has expanded beyond the captive market
kini telah berkembang melampaui pasar captive ke sektor into non-captive sectors. This includes the non-energy
non-captive. Ini mencakup segmen korporasi non-energi corporate segment and retail market, both of which
dan pasar ritel, yang keduanya menawarkan peluang present substantial growth opportunities given the low
pertumbuhan yang signifikan mengingat rendahnya insurance penetration in Indonesia. Tugu Insurance has
penetrasi asuransi di Indonesia. Tugu Insurance strategically optimized its portfolio by offering a wide range
secara strategis mengoptimalkan portofolionya dengan of insurance products, covering energy, fire & property,
menawarkan berbagai produk asuransi, meliputi energi, aviation, engineering, marine hull, marine cargo, protection
kebakaran & properti, penerbangan, rekayasa, kapal laut, & indemnity, credit, liability, motor vehicle, and sharia-
kargo laut, perlindungan & ganti rugi, kredit, kewajiban, based insurance. This expansion reflects Tugu Insurance’s
kendaraan bermotor, dan asuransi berbasis syariah. commitment to addressing diverse market needs
Ekspansi ini mencerminkan komitmen Tugu Insurance while capturing the vast premium potential in emerging
untuk memenuhi berbagai kebutuhan pasar sekaligus insurance segments across Indonesia.
menangkap potensi premi yang besar di segmen asuransi
yang sedang berkembang di seluruh Indonesia.
Untuk memperkuat struktur modal dan mendukung To strengthen its capital structure and support business
pertumbuhan bisnis serta praktik Good Corporate growth while reinforcing Good Corporate Governance
Governance (GCG), Tugu Insurance melaksanakan (GCG) practices, Tugu Insurance conducted an Initial
Penawaran Umum Perdana (IPO) pada 28 Mei 2018 Public Offering (IPO) on 28 May 2018, listing its shares
dengan kode saham “TUGU” di Bursa Efek Indonesia. on the Indonesia Stock Exchange under the ticker symbol
Bersamaan dengan momen bersejarah ini, perusahaan “TUGU”. Alongside this milestone, the company underwent
menjalani transformasi merek dan budaya secara a comprehensive brand and cultural transformation,
menyeluruh, mengadopsi identitas baru sebagai Tugu adopting a new corporate identity as Tugu Insurance with
Insurance dengan logo yang diperbarui. Pada 28 Juni a refreshed logo. On 28 June 2018, the central brand idea
2018, ide sentral merek “Mencapai Tinggi Baru” “Reaching New Heights” was introduced, aligning with the
diperkenalkan, seiring dengan penyelarasan nilai-nilai inti core values of AKHLAK to further integrate them into the
AKHLAK untuk semakin memperkuat budaya perusahaan. corporate culture.
Sesuai dengan rencana yang tercantum dalam prospektus, In alignment with the plans outlined in our prospectus,
termasuk alokasi dana IPO untuk pengembangan bisnis which includes allocating IPO funds for retail business
ritel dan inovasi teknologi guna meningkatkan infrastruktur expansion and technological innovation to enhance
digital Tugu Insurance, Tugu Insurance terus mencatat Tugu Insurance’s digital infrastructure, Tugu Insurance
pencapaian signifikan dalam pengembangan produk dan has continued to make significant strides in product
transformasi digital. Pada tahun 2024, kami berhasil development and digital transformation. In 2024, we
memperluas produk asuransi ritel, yaitu t ride untuk successfully expanded our offerings with retail insurance
kendaraan roda dua dan t drive untuk kendaraan roda products t ride for two-wheeled vehicles and t drive for
empat. Kami juga meningkatkan aplikasi smart t drive, four-wheeled vehicles. We also advanced the smart t
sebuah inovasi yang dirancang untuk menilai keterampilan drive application, an innovative tool designed to assess
dan perilaku berkendara pengguna, mendukung komitmen user driving skills and behavior, further supporting
kami terhadap keselamatan dan solusi digital yang our commitment to safety and customer-centric
berfokus pada pelanggan. digital solutions.
Untuk meningkatkan aksesibilitas dan keterlibatan To enhance accessibility and customer engagement,
pelanggan, Tugu Insurance kini mengoperasikan 31 Point Tugu Insurance now operates 31 Points of Sales and
of Sales and Services (PoSS) di lokasi strategis di seluruh Services (PoSS) across strategic locations in Indonesia,
Indonesia, terbagi dalam dua regional utama. Regional structured into two key regions. Region 1 now includes
1 kini mencakup 17 lokasi PoSS, sementara Wilayah 2 17 PoSS locations, while Region 2 comprises 14 PoSS,
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Audited Report
mencakup 14 PoSS, memperkuat kehadiran fisik kami dan strengthening our physical presence and improving service
meningkatkan jangkauan layanan di seluruh negeri. reach nationwide.
Tugu Insurance tetap berkomitmen pada pertumbuhan Tugu Insurance remains committed to sustainable, high-
berkualitas yang berkelanjutan. Sejak mendapatkan quality growth. Since achieving its first international rating
peringkat internasional “A- (Excellent)” dari A.M. Best of “A- (Excellent)” from A.M. Best in 2016, Tugu Insurance
untuk pertama kali pada tahun 2016, Tugu Insurance has proudly maintained this high standard for nine
dengan bangga mempertahankan standar tinggi ini selama consecutive years. This rating reflects our exceptionally
sembilan tahun berturut-turut. Peringkat ini mencerminkan strong financial standing (stable outlook), supported by
posisi keuangan kami yang sangat kuat (outlook stabil), healthy business operations and robust risk management
didukung oleh operasi bisnis yang sehat dan praktik practices. A.M. Best, the world’s oldest insurance rating
manajemen risiko yang kokoh. A.M. Best, lembaga agency based in New York, U.S., annually assesses over
pemeringkat asuransi tertua di dunia yang berbasis di New 16,000 insurance companies worldwide, evaluating their
York, Amerika Serikat, setiap tahun melakukan penilaian financial health based on the ability to meet claims, debts,
terhadap lebih dari 16.000 perusahaan asuransi di and other obligations in a timely and reliable manner.
seluruh dunia, mengevaluasi kesehatan keuangan mereka
berdasarkan kemampuan untuk memenuhi klaim, utang,
dan kewajiban lainnya secara tepat waktu dan andal.
Informasi Tentang Perubahan Nama Perusahaan
Information About Change of the Company’s Name
PT Tugu Pratama Indonesia secara resmi berganti nama PT Tugu Pratama Indonesia officially changed its name to
menjadi PT Asuransi Tugu Pratama Indonesia Tbk sesuai PT Asuransi Tugu Pratama Indonesia Tbk in accordance
dengan Keputusan Rapat Umum Pemegang Saham Luar with the Resolution of the Extraordinary General Meeting
Biasa pada tanggal 8 Februari 2018, yang dituangkan of Shareholders dated 8 February 2018. This change
dalam Akta No. 23 tertanggal 8 Februari 2018 oleh was notarized in Deed No. 23 dated 8 February 2018, by
Fathiah Helmi, S.H., notaris yang bersangkutan. Perubahan Fathiah Helmi, S.H., as the notary. The name change was
nama ini telah disetujui oleh Menteri Hukum dan Hak approved by the Minister of Law and Human Rights of the
Asasi Manusia Republik Indonesia melalui Keputusan Republic of Indonesia through Decree No. AHU-0003192.
No. AHU-0003192.AH.01.02. Tahun 2018 tertanggal 9 AH.01.02. of 2018, dated 9 February 2018. Approval
Februari 2018. Selain itu, persetujuan juga diberikan oleh was also granted by the Financial Services Authority (OJK)
Otoritas Jasa Keuangan (OJK) berdasarkan Keputusan based on the OJK Commissioner Board Decree No. KEP-
Dewan Komisioner OJK No. KEP-231/NB.11/2018 231/NB.11/2018 dated 19 March 2018, concerning the
tertanggal 19 Maret 2018 tentang Pemberlakuan Izin Issuance of a Business License in the General Insurance
Usaha di Sektor Asuransi Umum yang mengesahkan Sector, formally recognizing the name change of PT
perubahan nama PT Tugu Pratama Indonesia menjadi PT Tugu Pratama Indonesia to PT Asuransi Tugu Pratama
Asuransi Tugu Pratama Indonesia Tbk. Indonesia Tbk.
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Management Discussion and Analysis
Jejak Langkah
Milestone
PT Tugu Pratama Indonesia, yang kini dikenal sebagai
Tugu Insurance, didirikan pada 25 November 1981
oleh PT Pertamina (Persero) untuk menyediakan
layanan proteksi risiko domestik dengan spesialisasi Tugu Insurance meluncurkan produk-produk
solusi bisnis-ke-bisnis di sektor minyak dan gas, berbasis retail korporat dan syariah.
khususnya untuk melindungi aset-aset Pertamina.
Meluncurkan program Pemberdayaan
Tugu Insurance mulai mengembangkan keahliannya Masyarakat di Kampung Tugu Cipereu,
dalam manajemen risiko sektor minyak dan gas, menjadi Sukabumi, dengan membangun infrastruktur
pemain penting di industri asuransi umum nasional. fasilitas air bersih, MCK, musholla, gedung
pendidikan formal/informal, kolam ikan
PT Tugu Pratama Indonesia, now known as Tugu lele dan nila, serta pembibitan tanaman.
Insurance, was established on 25 November 1981,
by PT Pertamina (Persero) to provide domestic Tugu Insurance introduced corporate retail
risk protection services specializing in business- and sharia-based insurance products.
to-business solutions for the oil and gas sector,
The company launched the Community
especially for protecting Pertamina’s assets.
Empowerment program in Kampung
Tugu Insurance began developing its expertise Tugu Cipereu, Sukabumi, developing
in risk management for the oil and gas infrastructure for clean water,
sector, becoming a significant player in the community centers, educational
national general insurance industry. facilities, and aquaculture projects.
1981 2005
1994
PT Tugu Pratama Interindo (Interindo) didirikan dengan nama awal
PT Tugu Pratama Holding pada 29 April 1994, dan kemudian berganti nama
menjadi PT Tugu Pratama Interindo pada 15 Desember 1994.
Melalui Interindo, Tugu Insurance memperluas investasi ke pasar domestik
dan internasional, menjadikannya sebagai holding investasi untuk TUGU
Group. Perusahaan juga mulai fokus pada lini bisnis non-minyak dan gas,
sambil tetap mengutamakan akuisisi bisnis di sektor minyak dan gas.
PT Tugu Pratama Interindo (Interindo) was founded under the name PT Tugu Pratama Holding
on 29 April 1994, later renamed PT Tugu Pratama Interindo on 15 December 1994.
Through Interindo, Tugu Insurance expanded into domestic and international investments,
establishing it as the TUGU Group’s investment holding company. The company also began
focusing on non-oil and gas lines while prioritizing acquisitions within the oil and gas sector.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugu Insurance mempertahankan
peringkat internasional
“A- (Excellent)” dari A.M. Best.
Perusahaan melakukan Penawaran
Sejalan dengan pertumbuhan perusahaan, Tugu Insurance Umum Perdana (IPO) dengan melepas
membuka beberapa kantor cabang di Surabaya, Bandung, 177.777.800 saham di Bursa Efek
Medan, Palembang, Semarang, dan Balikpapan. Indonesia (BEI) pada 28 Mei 2018.
Perusahaan meraih peringkat internasional “A- (Excellent)”
Tugu Insurance maintained its
dari A.M. Best, menjadikannya perusahaan asuransi
“A- (Excellent)” international
umum nasional pertama yang memperoleh status ini.
rating from A.M. Best.
In response to growing demand, Tugu Insurance The company went public, issuing
opened several branch offices in Surabaya, Bandung, 177,777,800 shares on the Indonesia
Medan, Palembang, Semarang, and Balikpapan. Stock Exchange (IDX) on 28 May 2018.
The company achieved an “A- (Excellent)” international
rating from A.M. Best, making it the first national
general insurance company to attain this status.
2016 2018
2014 2017
Anak perusahaan Tugu Insurance, Interindo, menjual
Tugu Insurance menetapkan Visi,
sahamnya di PT Asuransi Jiwa Tugu Mandiri (AJTM) sebanyak
Misi, dan Nilai Budaya Perusahaan
94.750 saham kepada Dana Pensiun Pertamina.
(6C) yang direvitalisasi.
Tugu Insurance memperoleh peningkatan predikat menjadi
Melaksanakan program Sosialisasi
“Emerging” dalam Pertamina QMA - KKEP 2017.
dan Internalisasi untuk Transformasi
Budaya Perusahaan. Interindo meningkatkan kepemilikan sahamnya di PT Tugu
Reasuransi Indonesia (Tugure) dari 37,66% menjadi 50,27%,
Tugu Insurance established memperkuat posisi Tugu Insurance di pasar reasuransi.
a revitalized Vision, Mission,
and Cultural Values (6C). Tugu Insurance’s subsidiary, Interindo, sold its shares in PT Asuransi Jiwa
Tugu Mandiri (AJTM), transferring 94,750 shares to Dana Pensiun Pertamina.
A Corporate Culture Transformation
program was implemented to internalize Tugu Insurance earned an upgraded “Emerging”
and socialize these values. rating at Pertamina QMA - KKEP 2017.
Interindo increased its shareholding in PT Tugu Reasuransi
Indonesia (Tugure) from 37.66% to 50.27%, securing Tugu
Insurance’s position in the reinsurance market.
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tugu Insurance meningkatkan layanan pelanggan melalui hotline TIA 24/7 (1500 458) dan layanan
bantuan darurat jalan Tugu Real Experience (t rex).
Perusahaan mempertahankan peringkat “A- (Excellent)” dari A.M. Best selama empat tahun berturut-turut,
menjadikannya satu-satunya perusahaan asuransi umum nasional yang memegang status ini.
Memperluas jangkauan geografis dengan membuka cabang baru di Pekanbaru, Lampung, Makassar,
Denpasar, dan Cirebon, serta beberapa t shop (Point of Sales and Services) di berbagai wilayah strategis
di Indonesia.
Tugu Insurance melakukan rebranding dengan memperkenalkan nama merek korporat “Tugu Insurance”
dan merevitalisasi nilai budaya korporat 6C dengan semangat “Reaching New Heights” #BeraniLebihBaik.
Meluncurkan aplikasi keselamatan berkendara t drive dan produk asuransi kendaraan bermotor unggulan
t drive untuk kendaraan roda empat serta t ride untuk kendaraan roda dua.
Tugu Insurance enhanced customer service with the TIA hotline (1500 458) and Tugu Real
Experience (t rex) for emergency roadside assistance.
The company continued to uphold its “A- (Excellent)” rating from A.M. Best for the fourth consecutive year,
the only national general insurer to do so.
Expanded its reach by opening new branch offices in Pekanbaru, Lampung, Makassar, Denpasar, and
Cirebon, alongside several t shops (Points of Sales and Services) across Indonesia.
Tugu Insurance rebranded under the name “Tugu Insurance” and revitalized its 6C corporate culture with
the “Reaching New Heights” spirit (#BeraniLebihBaik).
Launched the t drive safety driving app and retail motor vehicle insurance products t drive for cars and
t ride for motorcycles.
2019
2020
Di tengah tantangan ekonomi akibat pandemi COVID-19,
Tugu Insurance berhasil mempertahankan peringkat “A-
(Excellent)” dengan prospek stabil selama lima tahun
berturut-turut.
Tugu Insurance juga meraih berbagai penghargaan di bidang
keuangan dan non-keuangan sepanjang tahun 2020.
Despite the economic challenges of the COVID-19 pandemic,
Tugu Insurance maintained an “A- (Excellent)” rating with a
stable outlook for the fifth consecutive year.
Tugu Insurance received various financial and non-financial
awards in 2020.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugu Insurance berhasil menerapkan Sistem Manajemen Tugu Insurance implemented the Anti-Bribery Management
Anti Penyuapan (SMAP) dengan memperoleh sertifikasi System (SMAP), achieving ISO 37001:2016 certification,
ISO 37001:2016, menegaskan komitmennya terhadap underscoring its commitment to Good Corporate Governance.
Tata Kelola Perusahaan yang baik. Through “Tugu Insurance United Action of Concern” (Bakti
Melalui “Tugu Insurance United Action of Concern” TUGU), the company supported the Sustainable Development
(Bakti TUGU), perusahaan mendukung pencapaian Goals (SDGs) by consolidating its Corporate Social
Tujuan Pembangunan Berkelanjutan (SDGs) dengan Responsibility (CSR) initiatives.
mengintegrasikan kegiatan Tanggung Jawab Sosial Coinciding with its 40th anniversary, Tugu Insurance initiated
Perusahaan (CSR). a holistic digital transformation, including IT infrastructure,
Bertepatan dengan ulang tahun ke-40, Tugu Insurance business processes, and corporate mindset and culture.
meluncurkan transformasi digital holistik yang meliputi Maintained its global Financial Strength Rating of A-
aspek penguatan infrastruktur Teknologi Informasi (Excellent) and Long-Term Issuer Credit Rating of “a-”
(TI), proses bisnis, dan perubahan pola pikir serta (Excellent) from A.M. Best for the sixth consecutive year.
budaya perusahaan.
Mempertahankan peringkat Financial Strength Rating
“A- (Excellent)” dan Long-Term Issuer Credit Rating
“a-” (Excellent) dari A.M. Best selama enam tahun
berturut-turut.
Tugu Insurance melakukan pemecahan nilai nominal saham
(stock split) dengan rasio 1:2, menurunkan nilai nominal saham
dari Rp100,00 menjadi Rp50,00, sehingga jumlah saham
beredar meningkat menjadi 3.555.575.600.
Tugu Insurance performed a stock split with a 1:2 ratio,
reducing the nominal share value from IDR100.00 to
IDR50.00, increasing the total number of outstanding shares to
3,555,575,600.
2021 2023
2022 2024 Saham TUGU naik ke Papan Utama di Bursa Efek
Indonesia (BEI) sejak 30 November 2022. Tugu Insurance mempertahankan
Tugu Insurance mempertahankan peringkat
peringkat A- (Excellent) dan “a-”
A- (Excellent) dan “a-” (Excellent) dari A.M. Best (Excellent) dari A.M. Best selama
selama tujuh tahun berturut-turut, mencerminkan delapan tahun berturut-turut,
stabilitas keuangan yang kuat dan manajemen
mencerminkan stabilitas keuangan
risiko yang sehat.
yang kuat dan manajemen risiko
TUGU’s shares were upgraded from the
yang sehat.
Development Board to the Main Board on
the Indonesia Stock Exchange (IDX) as of 30 Tugu Insurance sustained its A-
November 2022.
(Excellent) and “a-” (Excellent)
Tugu Insurance sustained its A- (Excellent) and ratings from A.M. Best for the
“a-” (Excellent) ratings from A.M. Best for the
seventh consecutive year, reflecting strong
seventh consecutive year, reflecting
financial stability and sound risk management. strong financial stability and sound
risk management.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Visi, Misi, dan Tata Nilai Budaya Perusahaan
Vision, Mission, and Corporate Culture Value
Menjadi
Visi
VISION
perusahaan asuransi umum
nomor satu di Indonesia.
To become the number one general
insurance company in Indonesia.
• Menciptakan • Creating
Misi
kepuasan pelanggan. customer satisfaction.
• Memberdayakan • Empowering human
SDM menjadi insan resources to
MISSIONS yang profesional. become professional.
• Mengoptimalkan • Optimizing company value
nilai perusahaan in a sustainable manner.
secara berkelanjutan. • Developing the insurance
• Mengembangkan company to become the
perusahaan asuransi pride of Indonesia and a
menjadi kebanggaan world-class company.
bangsa Indonesia yang
berkelas dunia.
Penjabaran arti dari Misi
Explanation of the meaning of this Mission
Menciptakan kepuasan pelanggan Create customer satisfaction
Pelayanan dengan operasional yang prima merupakan Excellent operational service is the key to creating
kunci untuk bisa menciptakan kepuasan pelanggan. customer satisfaction. All resources are mobilized and
Semua sumber daya dikerahkan dan diatur untuk arranged to give the insured satisfaction.
memberikan kepuasan tertanggung.
Memberdayakan SDM menjadi insan yang Empower our human resources to become
Profesional professional individuals
SDM kami yang merupakan ahli dalam bidangnya dan
senantiasa bekerja sesuai dengan protokol dan peraturan Our human resources are highly skilled in their respective
dalam bidang yang dijalaninya untuk memberikan hasil field, working according to the protocols and regulations of
kerja yang terbaik. their respective field to produce excellent performance.
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Mengoptimalkan nilai Optimize corporate values in a
perusahaan secara sustainable Manner
Berkelanjutan
Pendirian Perusahaan pada The objective of the establishment
intinya bertujuan meningkatkan of the Company has always been to
nilai Perseroan, yang sekaligus elevate the corporate values, which
berarti meningkatkan nilai yang also means increasing the values
diinvestasikan oleh para pemegang the shareholders have invested
saham (shareholders’ value) melalui in through profit increase and the
penciptaan laba dan perluasan expansion of operational activities.
aktivitas operasional.
Mengembangkan perusahaan Develop the Company to become
asuransi menjadi kebanggaan a world class insurance company
bangsa Indonesia yang berkelas and the pride of Indonesia.
dunia
Karakteristik utama Perusahaan yang The ultimate characteristics of a
berkelas dunia adalah: world-class Company are:
• Kompeten, yaitu kemampuan • Competent, which is the capability
beroperasi dengan standar yang of operating at a high standard
tinggi dalam dinamika persaingan. amidst the competition.
• Kemampuan untuk beradaptasi. • Ability to adapt.
• Budaya kualitas, • Culture of quality that prioritizes
yang mengutamakan insured satisfaction.
kepuasan tertanggung.
• Budaya inovatif. • Culture of innovation.
• Budaya wirausaha. • Culture of entrepreneurship.
Kami memiliki modal dasar untuk We have the potential to become a
menjadi perusahaan kelas dunia world-class company as the Company
karena telah menerapkan Tata fully adheres to and implements
Kelola Perusahaan yang Baik dan Good Corporate Governance, and
mempunyai kemampuan finansial, are supported by financial capability,
kehandalan sumber daya manusia, reliable human resources, mastery
kemampuan penguasaan teknologi, of technology, and a wide-spread
dan jaringan usaha (network). business network.
Budaya Perusahaan dan Tata Nilai Perusahaan
Corporate Culture Value
Sejalan dengan transformasi Badan In line with the transformation of
Usaha Milik Negara (BUMN) dalam State-Owned Enterprises (SOEs) in
aspek Sumber Daya Manusia, the area of Human Resources, the
Kementerian BUMN menerbitkan Ministry of SOEs issued a Circular
Surat Edaran mengenai penerapan Letter mandating the adoption
AKHLAK sebagai nilai inti yang harus of AKHLAK as core values, to
diimplementasikan oleh BUMN, anak be implemented by SOEs, their
perusahaan, dan perusahaan afiliasi subsidiaries, and consolidated
yang terkonsolidasi. Sebagai anak affiliates. As a subsidiary of PT
perusahaan PT Pertamina (Persero), Pertamina (Persero), Tugu Insurance
Tugu Insurance turut menerapkan also applies the living core values
living core values AKHLAK. of AKHLAK.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Amanah Kompeten Harmonis
Trustworthy Competent Harmonious
Memegang teguh Terus belajar dan Saling peduli
kepercayaan mengembangkan dan menghadapi
yang diberikan kapabilitas perbedaan
Upholding the trust Continuing to learn and Caring and respecting
that has been given expand capabilities differences
Loyal Adaptif Kolaboratif
Loyal Adaptive Collaborative
Berdedikasi dan Terus berinovasi Membangun
mengutamakan dan antusias dalam kerjasama yang
kepentingan Bangsa menggerakkan sinergis
dan Negara ataupun menghadapi
Creating synergic
perubahan
Dedicating and cooperation
putting the Nation Continuing to innovate
above anything else and enthusiastic
in encouraging or
facing the changes
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Audited Report
Makna Logo Perusahaan
Meaning of The Company’s Logo
Sebagai bagian dari program transformasi Perseroan As part of the Company’s transformation program, with the
bernafaskan “Reaching New Heights“ atau yang spirit of “Reaching New Heights” embodied in the spirit
diejawantahkan dengan semangat #BeraniLebihBaik, yang of #BeraniLebihBaik, a new spirit to improve performance
merupakan spirit baru untuk meningkatkan performa dan and provide better benefits for stakeholders, on 28 June
memberikan benefit yang lebih baik bagi stakeholders, 2018 Tugu Insurance launched a new logo and tagline
pada 28 Juni 2018 Tugu Insurance meluncurkan logo as follows:
dan tagline:
Nama yang menunjukkan kinerja yang dapat diandalkan.
Mencapai Titik Salah satu kelebihan kami adalah kinerja kami yang kuat.
Hal ini adalah sesuatu yang kami kenakan dengan bangga.
yang Lebih Tinggi
A name that represents reliable performance.
Reaching New Heights One of our strengths is our great performance,
this is something we hold with pride.
Warna Merah
The Color Red
Melambangkan Tugu Insurance yang
sudah berpengalaman, fundamental
Warna Logo
nya kuat, keuletan, ketegasan serta
keberanian dalam menghadapi berbagai Logo Colour
kendala yang terjadi juga menghadapi Warna biru tua memberi kesan
kesempatan yang ada di depan mata. matang dan berkualitas. Kami
Red represents Tugu Insurance’s memberikan stabilitas dan
experience, strong fundamentals, pelayanan berkualitas untuk
tenacity, assertiveness, and courage menghadapi tantangan kehidupan.
in facing various obstacles that occur
as well as facing the opportunities that Deep blue represents stability
lie ahead. and quality. We provide stability
and quality services to overcome
life’s challenges.
Warna Biru
The Color Blue
Mengartikan bahwa Tugu Insurance Gambar anak tangga Warna anak tangga
ekspertis, andal, dapat dipercaya
Staircase Color of the steps
dan bertanggung jawab dalam
menjalankan bisnisnya. Anak tangga menggambarkan Penghormatan kepada sebuah awal mula. Warna-
langkah yang harus diambil warna anak tangga merupakan sebuah tribut kepada
Blue represents Tugu Insurance’s
untuk mencapai tingkatan baru Pertamina, karena Tugu Insurance sebagai anak
expertise, reliability, trustworthiness,
dengan rencana cermat, tepat dan perusahaan dari perusahaan milik negara tersebut.
and responsibility in conducting
semangat #BeraniLebihBaik. Ketiga warna anak tangga tersebut, yaitu merah,
its businesses.
biru, dan hijau merupakan warna korporat (corporate
The staircase represents the colour) dari PT Pertamina (Persero) selaku induk usaha
necessary steps we all must take Tugu Insurance.
Warna Hijau to reach new heights, with careful
The Color Green and precise planning and the spirit An homage to the beginning. The colors of the stairs
Melambangkan keberlanjutan atau of #BeraniLebihBaik. are a tribute to Pertamina, as Tugu Insurance is a
sustainability dalam hal melaksanakan subsidiary of this state-owned company. The three
tata kelola perusahaan yang baik. colors of the stairs, red, blue, and green, are the
corporate colors of PT Pertamina (Persero) as the
Green represents sustainability parent company of Tugu Insurance.
in implementing good
corporate governance.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bidang Usaha
Business Line
Kegiatan Usaha Perusahaan
Company Business Activities
Maksud, tujuan, dan kegiatan usaha Tugu Insurance The purposes, objectives, and business activities of
sebagaimana tercantum dalam Anggaran Dasar Tugu Insurance, as outlined in the Company’s Articles
Perusahaan, yang terakhir diubah melalui Rapat Umum of Association—most recently amended at the General
Pemegang Saham sebagaimana tertuang dalam Akta No. Meeting of Shareholders, documented in Deed No. 123
123 tanggal 28 April 2023, yang dibuat di hadapan Notaris dated 28 April 2023, before Notary Jose Dima Satria
Jose Dima Satria S.H., M.Kn., adalah untuk menjalankan S.H., M.Kn.—are focused on the Insurance sector. Tugu
kegiatan usaha di sektor Asuransi, yaitu Asuransi Umum, Insurance operates in General Insurance, which includes:
yang mencakup:
1. Asuransi Non-Jiwa Konvensional; dan 1. Conventional Non-Life Insurance; and
2. Asuransi Non-Jiwa Syariah. 2. Sharia Non-Life Insurance.
Untuk melaksanakan kegiatan usaha tersebut, Tugu To carry out these business activities, Tugu Insurance
Insurance telah memiliki izin-izin usaha sebagai berikut: holds the following business licenses:
Nama Izin Usaha Keterangan
Name of Business License Description
Nomor Induk Berusaha (NIB) Berdasarkan ketentuan Pasal 24 ayat (1) Peraturan Pemerintah No. 24 Tahun 2018 tentang Pelayanan
Business Registration Number Perizinan Berusaha Terintegrasi Secara Elektronik, Lembaga OSS menerbitkan NIB dengan No. NIB
(NIB) 9120312071611 kepada PT Asuransi Tugu Pratama Indonesia Tbk pada tanggal 11 Oktober 2019 dengan
perubahan terakhir pada tanggal 18 Maret 2022, dengan Kode dan Nama KBLI:
Based on the provisions of Article 24 paragraph (1) of Government Regulation No. 24 of 2018 concerning
Electronically Integrated Business Licensing Services, the OSS Institution issues NIB No. 9120312071611
to PT Asuransi Tugu Pratama Indonesia Tbk on 11 October 2019 with the latest amendment on 18 March
2022, with KBLI Code and Name:
Kode KBLI Nama KBLI
No.
KBLI Code KBLI Name
1 65121 Asuransi Umum Konvensional
Conventional General Insurance
2 65122 Asuransi Umum Syariah
Sharia General Insurance
Izin Usaha di Bidang Asuransi Pada saat pendiriannya, Perseroan telah memperoleh izin usaha di bidang asuransi umum dari Departemen
Umum Keuangan Republik Indonesia melalui Direktorat Jenderal Moneter Dalam Negeri, berdasarkan Keputusan
Business License in the General Direktur Jenderal Moneter Dalam Negeri No. Kep-5572/MD/1981 tertanggal 9 Desember 1981.
Insurance Sector
Izin usaha asuransi umum ini kemudian diperpanjang melalui Keputusan Direktur Jenderal Moneter Dalam
Negeri No. Kep-8014/MD/1986 tertanggal 8 Desember 1986, mengenai Perpanjangan Izin Usaha PT Tugu
Pratama Indonesia (NPWP 1.302.218.1-21) untuk menjalankan usaha di bidang asuransi umum, yang tetap
berlaku hingga adanya perubahan.
Pada tahun 2018, status Perseroan berubah menjadi perusahaan terbuka, dan nama Perseroan diperbarui
dari PT Tugu Pratama Indonesia menjadi PT Asuransi Tugu Pratama Indonesia Tbk, yang memerlukan
pembaruan izin usaha dari Otoritas Jasa Keuangan (OJK).
Pembaruan izin usaha tersebut diterbitkan oleh Anggota Dewan Komisioner Otoritas Jasa Keuangan melalui
Keputusan No. KEP-231/NB.11/2018 tertanggal 19 Maret 2018, mengenai Pemberlakuan Izin Usaha
di Bidang Asuransi Umum sehubungan dengan perubahan nama PT Tugu Pratama Indonesia menjadi PT
Asuransi Tugu Pratama Indonesia Tbk.
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Nama Izin Usaha Keterangan
Name of Business License Description
At the time of establishment, the Company had obtained a general insurance business license from the
Ministry of Finance of the Republic of Indonesia through the Directorate General of Domestic Monetary
Affairs by Decree of the Directorate General of Domestic Monetary Affairs No. Kep-5572/MD/1981 dated 9
December 1981.
This general insurance business license was later extended based on the Decree of the Directorate General
of Domestic Monetary Affairs No. Kep-8014/MD/1986 concerning the Extension of the Business License
of PT Tugu Pratama Indonesia (NPWP 1.302.218.1-21) to conduct Business in General Insurance dated 8
December 1986 and will continue to be valid until amendments are required.
In 2018, the Company’s status changed to public company, and its name changed from PT Tugu Pratama
Indonesia to PT Asuransi Tugu Pratama Indonesia Tbk, so a renewal of the business license from the
Financial Services Authority (OJK) was required.
Renewal of business license is issued by the Board of Commissioners of the Financial Services Authority
through Decree No. KEP-231/NB.11/2018 dated 19 March 2018, concerning the Enactment of a Business
License in the General Insurance Sector in connection with the Change of Name of PT Tugu Pratama
Indonesia to PT Asuransi Tugu Pratama Indonesia Tbk.
Izin Pembukaan Kantor Cabang Izin Pembukaan Kantor Cabang dengan Prinsip Syariah sebagaimana ditetapkan dalam Keputusan Menteri
dengan Prinsip Syariah Keuangan tentang Pemberian Izin Pembukaan Kantor Cabang dengan Prinsip Syariah kepada PT Tugu
License to Open Branch Office Pratama Indonesia, No. KEP-108/KM.5/2005 tertanggal 8 April 2005, berdasarkan Surat Rekomendasi No.
with Sharia Principles U-044/DSNMUI/III/2005 tanggal 20 Maret 2005 dari Dewan Syariah Nasional Majelis Ulama Indonesia.
License to Open a Branch Office with Sharia Principles, as stipulated in the Minister of Finance Decree on
Granting a License to PT Tugu Pratama Indonesia, No. KEP-108/KM.5/2005 dated 8 April 2005, based
on Recommendation Letter No. U-044/DSNMUI/III/2005 dated 20 March 2005, from the National Sharia
Board of the Indonesian Ulema Council.
Kegiatan Usaha yang Dijalankan pada Tahun Buku
Business Activities Carried Out in the Fiscal Year
Kegiatan usaha yang dijalankan oleh Tugu Insurance pada Business activities carried out by Tugu Insurance in the
tahun buku berdasarkan izin usaha yang dimiliki dapat fiscal year based on the business licenses are as follows:
dilihat sebagai berikut:
Kegiatan Usaha Berdasarkan Telah (v)/
Anggaran Dasar Belum Dijalankan (x) Keterangan
Business Activities Based on Articles of Has been Conducted (v)/ Description
Association Has Not Been Conducted (x)
Asuransi Umum Konvensional Dijalankan oleh Perseroan untuk segmen korporasi dan
Conventional General Insurance ritel.
Conducted by the Company for corporate and retail
segments.
Asuransi Umum Syariah Dijalankan oleh Perseroan untuk segmen berbasis syariah
Sharia General Insurance melalui Fungsi Syariah (Group Syariah).
Conducted by the Company for sharia-based segment
through Sharia Function (Sharia Group).
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Produk dan Jasa
Products and Services
Tugu Insurance secara konsisten melakukan terobosan Tugu Insurance constantly pursues breakthroughs and
dan inovasi untuk memberikan layanan perlindungan innovations to deliver top-quality protection services
terbaik melalui berbagai produk di segmen korporat dan through a range of products for both corporate and
ritel (konvensional dan syariah), serta reasuransi. Dalam retail segments (conventional and sharia), as well as
menjalankan kegiatan usahanya, Tugu Insurance didukung reinsurance. In carrying out its business activities, Tugu
oleh tim ahli berpengalaman di bidangnya masing-masing Insurance is supported by a team of experienced experts
yang berkomitmen mengembangkan produk dan layanan in their respective fields, dedicated to developing the
yang ditawarkan. products and services offered.
PRODUK
PRODUCTS
• Segmen Asuransi Korporasi; dan • Corporate Insurance Segment; and
• Segmen Asuransi Retail. • Retail Insurance Segment.
Asuransi Korporasi | Corporate Insurance
Energi
Energy
Onshore & offshore
Asuransi Energi Offshore & Onshore/Oil and Gas adalah asuransi yang melindungi
aktivitas operasional di bidang energi Offshore dan Onshore, di mana bidang ini memiliki
kompleksitas dan tingkat risiko yang sangat tinggi. Asuransi Offshore & Onshore/Energi
menjadi solusi bagi perusahaan yang bergerak di bidang energi, menawarkan perlindungan
atas risiko yang mungkin terjadi di masa mendatang.
Offshore & Onshore Energy/Oil and Gas Insurance is insurance that provides protection
for operational activities in the Offshore and Onshore energy sectors, which are known for
their high complexity and risk levels. Offshore & Onshore/Energy Insurance serves as a
solution for companies operating in the energy sector, offering coverage against potential
risks in the future.
Kebakaran & Harta Benda
Fire & Property
Lini bisnis asuransi kebakaran dan harta benda mencakup berbagai jenis perlindungan
yang menjamin risiko kerugian terhadap aset, bangunan, dan seluruh isi bangunan.
The fire and property insurance business line covers various types of protection that
provide coverage for the risk of loss to assets, buildings, and the entire contents of
the buildings.
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Audited Report
Rangka Kapal
Marine Hull
Asuransi Marine Hull/Rangka Kapal adalah asuransi terhadap kerugian dan kerusakan
yang terjadi pada rangka kapal beserta mesinnya, termasuk pertanggungan atas pihak
ketiga yang dirugikan atas terjadinya hal tersebut.
Marine Hull Insurance is insurance that provides coverage for losses and damages to
the hull and machinery of a ship, including liability coverage for third parties affected by
such incidents.
Pengangkutan
Cargo
Asuransi Cargo/Pengangkutan memberikan jaminan ganti rugi atas risiko-risiko terjadinya
kerusakan barang-barang yang dipertanggungkan, baik yang diangkut melalui laut, udara,
maupun darat sampai ke tempat tujuan.
Cargo/Transportation Insurance provides indemnity coverage against the risks of
damage to insured goods, whether transported by sea, air, or land, until they reach
their destination.
Aviasi
Aviation
Asuransi Aviasi dapat menjamin kerugian atau kerusakan pada pesawat terbang, mesin
dan atau berbagai peralatan lainnya, dan juga jaminan tanggung jawab hukum terhadap
pihak ketiga.
Aviation Insurance provides coverage for losses or damages to aircraft, engines, and
various other equipment, as well as liability coverage for third parties.
Satelit
Satellite
Asuransi Satellite adalah adalah layanan perlindungan terhadap berbagai risiko yang dapat
timbul dalam aktivitas peluncuran satelit. Hal ini sangat krusial karena satelit merupakan
perangkat komunikasi bernilai besar dengan tingkat risiko sangat tinggi.
Satellite Insurance is a protection service against various risks that may arise during
satellite launch activities. This is highly critical as satellites are high-value communication
devices with extremely high levels of risk.
Rekayasa
Engineering
Asuransi Engineering/Rekayasa adalah asuransi yang memberikan jaminan terhadap
kerugian atau kerusakan terkait dengan pekerjaan sipil maupun peralatan yang digunakan
dalam suatu projek atau perluasannya.
Engineering Insurance provides coverage for losses or damages related to civil works or
equipment used in a project or its expansion.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kredit & Penjaminan
Credit & Surety
Asuransi Kredit & Penjaminan yang diberikan oleh Tugu Insurance bertujuan untuk
melindungi Tertanggung jika terjadi hal-hal buruk yang menyebabkan ketidakmampuan
dalam membayar pinjaman yang dimiliki. Perlindungan ini memberikan jaminan agar
Tertanggung tidak mengalami kerugian lebih lanjut akibat biaya-biaya yang timbul dari
kemungkinan tersebut.
Credit & Surety insurance is provided by Tugu Insurance to protect the Insured in case of
unfortunate events that prevent them from repaying their loans. This protection ensures
that the Insured will not face additional financial harm due to the costs arising from
such circumstances.
Kesehatan
Health
Tugu Insurance Health Insurance (THIS) adalah program asuransi kesehatan untuk
komersial yang ditujukan kepada kumpulan/perusahaan bagi karyawannya. menawarkan
koordinasi manfaat, premi, data kepesertaan, data klaim/keuangan, administrasi,
sosialisasi dan system informasi sehingga karyawan dapat memperoleh pelayanan terbaik
dan manfaat yang maksimal.
Tugu Insurance Health Insurance (THIS) is a commercial health insurance program
designed for groups/companies to cover their employees. It offers benefit coordination,
premiums, membership data, claim/financial data, administration, outreach, and an
information system, ensuring employees receive the best service and maximum benefits.
Tanggung Gugat
Liability
Asuransi Liability/Tanggung Gugat adalah asuransi yang memberikan perlindungan
terhadap kerugian yang terjadi dari klaim pihak ketiga yang mengalami kerugian seperti
cedera badan atau kerusakan harta benda yang diakibatkan aktivitas Tertanggung.
Liability Insurance provides protection against losses arising from third-party claims for
damages, such as bodily injury or property damage, caused by the activities of the Insured.
Aneka
Miscellaneous
Asuransi Miscellaneous/Aneka adalah asuransi yang menawarkan jenis pertanggungan
yang belum terjamin dalam lini bisnis produk asuransi lain. Kami memberikan
perlindungan pada setiap kebutuhan, seperti halnya terjadi tuntutan dari pihak ketiga,
risiko kerugian finansial, hingga risiko terjadinya kecelakaan.
Miscellaneous Insurance offers coverage for risks not covered under other lines of
insurance products. We provide protection for various needs, such as third-party claims,
financial loss risks, and accident risks.
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Audited Report
Kecelakaan Diri
Personal Accident
Asuransi Personal Accident/kecelakaan diri adalah asuransi yang menjamin risiko
Kematian, Cacat Tetap Keseluruhan/Sebagian, Biaya Perawatan dan atau Pengobatan yang
secara langsung disebabkan oleh suatu kecelakaan.
Personal Accident Insurance provides coverage for risks such as Death, Total/Partial
Permanent Disability, Medical and/or Treatment Expenses directly caused by an accident.
Asuransi Retail | Retail Insurance
Asuransi kendaraan bermotor memberikan jaminan atas ganti rugi terhadap risiko
kerusakan dan kehilangan pada kendaraan bermotor roda dua dan roda empat
serta dapat diperluas dengan jaminan lainnya sesuai dengan kebutuhan.
Motor Vehicle Insurance provides coverage for compensation against the risks
of damage and loss of two-wheeled and four-wheeled vehicles. It can also
be extended to include additional coverage based on specific needs.
Asuransi t down payment adalah asuransi yang menjamin ganti rugi kepada
Tertanggung untuk pembayaran uang muka pembelian kendaraan bermotor.
t Down Payment Insurance provides compensation to the Insured for
the down payment made on the purchase of a motor vehicle.
Asuransi kebakaran t home adalah asuransi yang menjamin kerugian atau kerusakan
pada harta benda dan atau kepentingan yang dipertanggungkan yang secara
langsung disebabkan oleh Kebakaran, Petir Ledakan, Kejatuhan Pesawat Terbang
dan Asap. Serta dapat diperluas dengan risiko seperti kerugian akibat kecelakaan,
kerusuhan, bencana alam, tanggung jawab pihak ketiga, dan kebongkaran.
t home Fire Insurance provides coverage for losses or damages to property
and/or insured interests directly caused by Fire, Lightning, Explosion,
Falling Aircraft, and Smoke. It can also be extended to include risks such
as accidents, riots, natural disasters, third-party liability, and burglary.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Asuransi kebakaran t store adalah asuransi yang memberikan proteksi
terhadap pemilik dan penyewa tempat usaha apabila terjadi kerugian
atau kerusakan pada harta benda akibat kebakaran, petir, ledakan,
kejatuhan pesawat terbang dan asap serta dapat diperluas.
t store Fire Insurance provides protection for business owners and tenants
against losses or damages to property caused by Fire, Lightning, Explosion,
Falling Aircraft, and Smoke. The coverage can also be extended as needed.
Produk t foid memberikan santunan tunai harian kepada peserta yang
terkena penyakit thypus sesuai dengan yang tercantum dalam Ikhtisar
Polis. Selama periode asuransi, peserta yang memerlukan tindakan rawat
inap di rumah sakit menerima santunan sesuai kebijakan Polis.
The t foid product provides daily cash benefits to participants diagnosed with typhoid,
as stated in the Policy Summary. During the insurance period, participants requiring
hospitalization receive compensation in accordance with the terms of the Policy.
Asuransi t dengue adalah asuransi berupa santunan tunai harian kepada peserta
yang terkena penyakit demam berdarah dengue sesuai yang tercantum pada
Ikhtisar Polis. Selama periode asuransi, peserta yang memerlukan tindakan
rawat inap di rumah sakit menerima santunan sesuai kebijakan Polis.
t dengue insurance provides daily cash benefits to participants diagnosed with dengue
fever, as stated in the Policy Summary. During the insurance period, participants requiring
hospitalization receive compensation in accordance with the terms of the Policy.
Asuransi kecelakaan diri t protect menjamin risiko yang terjadi akibat kecelakaan
dan dapat diperluas dengan beberapa jaminan berupa santunan untuk biaya
pemakaman, kehilangan pendapatan akibat kecelakaan, kerusakaan barang.
t protect personal accident insurance covers risks resulting from accidents
and can be extended to include benefits such as funeral expenses, loss
of income due to accidents, and damage to personal belongings.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Asuransi yang memberikan perlindungan bagi para penumpang saat
melakukan perjalanan, baik di dalam negeri maupun luar negeri.
Insurance that provides protection for passengers while
traveling, both domestically and abroad.
Asuransi yang menanggung biaya pengobatan medis dan tradisional
untuk tulang yang retak atau patah akibat kecelakaan.
Insurance that covers the costs of medical and traditional
treatment for cracked or broken bones due to accidents.
Asuransi yang menjamin kematian, cacat tetap sebagian maupun
total, serta biaya pengobatan bagi para pemudik.
Insurance that covers death, permanent disability, both partial and
total, as well as medical expenses for homecoming travelers.
Perlindungan online yang komprehensif yang melindungi pelanggan Anda
dari penipuan pembayaran elektronik, pencurian identitas, serta barang
yang hilang, rusak, atau tidak terkirim dalam pembelian online.
Comprehensive online protection that shields customers from e-payment fraud,
identity theft, and missing, damaged, or undelivered items in online purchases.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
gas
Produk asuransi ini memberikan santunan kepada Tertanggung atau ahli
warisnya jika terjadi kerusakan pada bangunan tempat tinggal Tertanggung,
santunan meninggal dunia, serta santunan biaya tempat tinggal sementara
akibat kebakaran, petir, ledakan, kecelakaan pesawat terbang, dan asap dari
kebakaran bangunan (kecuali asap akibat kebakaran hutan atau gambut).
This insurance product provides compensation to the Insured or their heirs in the
event of damage to the Insured’s residential building, death compensation, and
compensation for temporary housing costs due to fire, lightning, explosion, plane
crash, and smoke from building fires (excluding smoke from forest or peat fires).
lube
Produk t lube memberikan manfaat santunan jika Tertanggung mengalami
kecelakaan saat berkendara, serta santunan jika kendaraan Tertanggung
mengalami kerugian total konstruktif akibat kecelakaan.
The t lube product provides compensation benefits if the Insured has
an accident while driving, as well as compensation if the insured’s
vehicle experiences a constructive total loss due to an accident.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
JASA
SERVICES
Tugu Insurance juga berkomitmen untuk selalu Tugu Insurance is also committed to always prioritizing
mengutamakan kepuasan pelanggan, dengan menyediakan customer satisfaction by providing accessible, excellent
layanan unggul yang mudah diakses oleh pelanggan, services to customers, such as:
seperti:
1. Call TIA (Tugu Insurance Assistance) 1. Call TIA (Tugu Insurance Assistance)
Pelayanan Konsumen tersedia 24 jam 7 hari melalui Customer Service is available 24/7 through "Call
“Call TIA” 1500 458, WhatsApp 081197900100 dan TIA" at 1500458, WhatsApp at 081197900100, and
email ke calltia@tugu.com. Call TIA selalu terjaga email at calltia@tugu.com. Call TIA is always ready to
untuk melayani kebutuhan informasi produk, layanan assist customers with product information, insurance
polis asuransi, lapor klaim, hingga bantuan darurat di policy services, claim reports, and emergency
jalan raya. roadside assistance.
2. t rex (Tugu Real Experience) 2. t rex (Tugu Real Experience)
Tugu Insurance menyediakan layanan bantuan 24 Tugu Insurance offers 24-hour service assistance with
jam dengan tiga jenis armada: unit derek, unit towing, three types of fleets: crane units, towing units, and
dan sepeda motor. Perusahaan menawarkan layanan motorcycles. The company provides first emergency
tanggap darurat pertama, termasuk perbaikan ban, response services, including tire repairs, battery jump-
jumper aki, dan bantuan untuk kejadian tak terduga starts, and handling unexpected incidents such as
seperti kecelakaan di jalan. road accidents.
3. Point of Sales & Services (PoSS) 3. Point of Sales & Services (PoSS)
Tugu Insurance memiliki 31 PoSS yang tersebar di Tugu Insurance has 31 PoSS locations across
seluruh Indonesia untuk dapat membantu pelanggan di Indonesia to assist customers in all regions.
seluruh Area.
Para pelanggan dapat langsung datang ke PoSS Customers can visit the nearest PoSS from
terdekat dari domisili untuk mendapatkan layanan their location to access services such as
antara lain mengetahui produk informasi, melakukan product information, insurance purchases, and
pembelian asuransi sampai dengan pengajuan klaim. claim submissions.
4. Aplikasi t friends 4. t friends Application
Aplikasi ini memudahkan personel pemasaran Tugu This application simplifies the process for Tugu
Insurance, baik internal (petugas pemasaran) maupun Insurance's marketing personnel, both internal
eksternal (agen/partner lainnya Tugu Insurance), (marketing officers) and external (agents/other Tugu
dalam menjual produk asuransi Tugu Insurance. Insurance partners), in selling Tugu Insurance products.
Aplikasi t friends dapat diunduh melalui Google Play The t friends application can be downloaded via Google
untuk platform Android dan Apple App Store. Fitur-fitur Play for Android and the Apple App Store. The features
aplikasi t friends meliputi: of the t friends application include:
a. Penjualan produk asuransi ritel; a. Selling retail insurance products;
b. Melihat tawaran dan polis yang sudah terjual. b. Viewing offers and policies that have already
been sold.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peta Wilayah Operasional
Operational Areas
Tugu Insurance beroperasi di Indonesia dan memiliki Tugu Insurance operates in Indonesia and has international
kantor perwakilan internasional di Hong Kong. Kantor presence with Representative Offices in Hong Kong. The
pusat perusahaan terletak di DKI Jakarta, dengan 31 Titik company’s headquarters is located in DKI Jakarta, with 31
Penjualan dan Layanan (PoSS) yang tersebar di kota-kota Points of Sales and Services (PoSS) strategically situated
besar di Indonesia. Informasi wilayah operasional disajikan in major cities across Indonesia. The operational area
dalam tabel berikut: information is presented in the following table:
Point of Sales and Services (PoSS)
Regional 1 3 PALEMBANG POSS 6 WISMA TUGU I POSS
Kompleks Pertamina Jl. H.R. Rasuna Said Kav
1 MEDAN POSS C8-9, Jakarta 12920
Kenten, Jl. AKBP Cek Agus
Jl. Palang Merah No. 116, No. 12, 8 Ilir Ilir Timur,
Medan 20112 Palembang 30114 7 KELAPA GADING POSS
Telp: +62-61-457 7705, Telp: +62-711-573 3633 Ruko Italian Walk Blok C No.
+62-61-414 5411 +62-711-573 3376 09, Jl. Boulevard Barat Raya
Fax: 061 - 88817406 Fax: 0711-5733771 No. 1, Kelapa Gading Barat
2 PEKANBARU POSS 4 LAMPUNG POSS 8 CIBUBUR POSS**
Sudirman City Square, Ruko Jl. Jend. Sudirman No. 23 C-D, Mall Cibubur Junction Jl.
No. A-01, Jl. Jend. Sudirman, Bandar Lampung, 35111 Jambore No. 1, RT. 8/RW.
Pekan Baru, Riau 28111 Telp: 0721-601 1311 7, Cibubur, Kec. Ciracas,
Telp: 0761-865 6207, Kota Jakarta Timur, DKI Jakarta
0761-865 6631 5 GROUP & RELATED POSS 13720 No. Unit: LT2 - 55
Jl. H.R. Rasuna Said Kav
C8-9, Jakarta 12920
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9 SERPONG POSS Regional 2
10 PALU POSS
Ruko Bolsena Blok A 33,
1 BANDUNG POSS Jl. Towua, Kel. Tatura Selatan, Kec.
Jl. Gading Serpong Boulevard No. 33,
Jl. BKR No. 19 A RT. 09/RW. 06 Kel. Palu Selatan, Kota Palu,
Kab. Tangerang, Banten 15811
Cijagra, Kec. Lengkong Bandung, Prov. Sulawesi Tengah
10 BEKASI POSS 40254
Telp: +62-22-8732 8455, 11 BALIKPAPAN POSS
Ruko Emerald Summarecon
+62-22-7328 0955 Komplek Pertokoan
Bekasi Blok UF 09, RT. 005/RW. 011
Balikpapan Super Block
Marga Mulya, Kota Bekasi 17113
2 CIREBON POSS (BSB) Blok E No. 11 Jl. Jend.
Cirebon Super Block Office Park P10, Sudirman, Balikpapan, Kalimantan
11 KARAWANG POSS
Jl. Dr. Cipto Mangunkusumo No. 26, Timur
Grand Taruma, Telp: 0542-721 9899
Cirebon 45131 Jawa Barat
Jl. Dharmawangsa II, Blok HW No. 29 Fax: 0542-7219979
RT. 015 RW. 008, Kel. Sukamakmur,
3 SEMARANG POSS
Kec. Telukjambe Timur, Karawang 12 PONTIANAK POSS
Barat 41361 Jl. M.T. Haryono No. 798 B
Semarang 50124, Jawa Tengah Komplek Perkantoran
Telp: 024-841-0677, Pontianak Mall
12 SERANG POSS
024-841-0678 Jl. Teuku Umar Blok C-25
Jl. Jendral Sudirman No. 65, Telp: 0561 - 8185-627
Sumur Pecung, Kec. Serang.
4 SOLO POSS
Kota Serang, Banten 42118 13 SAMARINDA POSS
Sentra Niaga Solo Baru Komplek The
Park Mall, Jl. Soekarno Blok A No. 5A Komplek Ruko Grand
13 PONDOK INDAH POSS**
Solo Baru Mahakam Jl. Siradj Salman
Jl. Radio Dalam Raya No. 34, Samarinda, Kecamatan
Kebayoran Baru, Jakarta Selatan, Samarinda Ulu, Kota Samarinda,
5 YOGYAKARTA POSS
Indonesia Kalimantan Timur 75243
Jl. Affandi No. 29 C1 RT. 12
RW. 5, Mrican, Caturtunggal, Telp: 0541-7810179
14 BOGOR POSS
Depok, Sleman, Yogyakarta
Ruko Casablanca, 14 BANJARMASIN POSS
Jl. KS Tubun No. 1- 6 Cibuluh, Kec. Jl. Gatot Subroto Raya No. 113, Kel.
6 SURABAYA POSS
Bogor Utara, Kota Bogor, Jawa Barat Kebun Bunga, Kec. Banjarmasin
16151 Wisma Tugu Darmo Jl. Raya
Darmo No. 64 Surabaya, Timur, Kota Banjarmasin, Kalimantan
Jawa Timur 60264 Selatan 70235
15 JAMBI POSS
Telp: 031-566-4470 Telp: 0511-678-2954
Komplek Ruko Transmart Jambi Blok
Fax: 031-5664471
A 20, Jl. Jend. Sudirman, Kel.
Tambak Sari, Kec. Jambi Selatan,
Kota Jambi 36139
7 MALANG POSS Kantor Perwakilan
Ruko Sarangan Representative Offices
Telp: 0741-3603-724
Jl. Sarangan 1E, Lowokwaru
Malang 65141 Hong Kong
16 PADANG POSS
Telp: 0341-43877377
Jl. Kis Mangunsarkoro No. 3 Tugu Insurance Company Limited
Kel. Jati Baru Kec. Padang 28/F United Asia Finance Centre 333
8 DENPASAR POSS
Timur, Kota Padang Lockhart Road, Wanchai,
Telp: 0751-8957288 Jl. Gatot Subroto No. 335,
Denpasar Bali 80111 Hong Kong
Telp: 0361-909-3160 Telp: +852 282 42939
17 ACEH POSS*
Fax: +852 282 43070
Jl. DR. Mr. H. T. Muhammad
9 MAKASSAR POSS
Hasan, Gampong, Sukadamai, Kec.
Lueng Bata, Kota Banda Aceh Jl. Lamadukelleng Buntu No. 82 * Khusus menangani Asuransi Syariah
Mariso, Kunjung Mae, Makassar, * Specifically handles Sharia Insurance
** Per bulan Agustus-Desember 2024, lokasi
Sulawesi Selatan 90111 PoSS Pondok Indah dan Cibubur pindah ke
Telp: 021-529-61777 Head Office (Jl. H.R. Rasuna Said Kav C8-9,
Jakarta 12920)
** From August to December 2024, the PoSS
Pondok Indah and Cibubur location will be
relocated to the Head Office (Jl. H.R. Rasuna
Said Kav C8-9, Jakarta 12920)
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keanggotaan dalam Asosiasi
Membership in Associations
Tugu Insurance merupakan anggota Tugu Insurance is a member of
dari beberapa asosiasi yang relevan several associations related to its
dengan sektor bisnis perusahaan business sector and its status as
dan statusnya sebagai perusahaan a public company. The associations
terbuka. Asosiasi-asosiasi yang that the company has been involved
diikuti oleh perusahaan pada tahun with in 2024 are as follows:
2024 adalah sebagai berikut:
Nama Asosiasi Status (Anggota/Pengurus)
No.
Name of Association Status (Member/Management)
1 Asosiasi Asuransi Umum Indonesia (AAUI) Anggota & Pengurus
Indonesian General Insurance Association (AAUI) Member & Management
2 Asosiasi Asuransi Syariah Indonesia (AASI) Anggota & Pengurus
Indonesian Sharia Insurance Association (AASI) Member & Management
3 Dewan Asuransi Indonesia (DAI) Anggota & Pengurus
Indonesian Insurance Council (DAI) Member & Management
4 Asosiasi Emiten Indonesia (AEI) Anggota
Indonesian Public Listed Companies Association Member
(AEI)
5 Kamar Dagang & Industri Indonesia (KADIN) Anggota
Indonesian Chamber of Commerce and Industry Member
(KADIN)
6 Indonesia Corporate Secretary Association (ICSA) Anggota
Member
7 Indonesia Senior Executive Association (ISEA) Corporate Strategic Partner
8 PERHUMAS (Perhimpunan Hubungan Masyarakat Anggota
Indonesia) Member
PERHUMAS (Indonesian Public Relations
Association)
9 PR Society Communication Management Anggota & Pengurus
Member & Management
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Struktur Organisasi Tugu Insurance
Tugu Insurance Organizational Structure
Struktur Organisasi Tugu Insurance berdasarkan
SK Direksi No. 106/SKD/04/HCM-ATPI/VIII/2024 Internal Audit
tanggal 9 Agustus 2024 tentang Penempatan/
Resti Setia Utari
Penugasan Pekerja pada Struktur Organisasi
PT Asuransi Tugu Pratama Indonesia Tbk.
Tugu Insurance’s Organization Structure is based
on the Board of Directors Decision Letter No. 106/
SKD/04/HCM-ATPI/VIII/2024 dated 9 August
2024 regarding the Organizational Structure of
PT Asuransi Tugu Pratama Indonesia Tbk. Direktur Pemasaran Asuransi
Insurance Marketing Director
Ery Widiatmoko
SVP Strategic Management &
SVP Marketing
Corporate Development
Ibrahim Jauhari
Kristy Damayanti
Strategic Management Strategic Business I Broker Business
Andy Prasetyo Wibowo Agung Hirawan Alma Fatrizal
Portfolio Company
Management Strategic Business II Business Development
Achmad Taufik Firdaus Rully Hendra Wijaya Jonathan David Nandana
Strategic Business III
Sales & Distribution
Carolina Ledy Babbyana
Carolina Ledy Babbyana
(Pjs)
Sharia Business
Natalia Maulina Nursam
Keterangan:
Presiden Direktur & Direktur
SVP/Deputi Direktur
Group
Direct Report Department
Posisi Fungsional
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Audited Report
Presiden Direktur
President Director
Tatang Nurhidayat
Corporate Secretary
Edi Yoga Prasetyo
Direktur Keuangan & Direktur Kepatuhan &
Direktur Teknik Layanan Korporat Manajemen Risiko
Technical Director Finance & Compliance & Risk
Corporate Service Director Management Director
Sudarlin
Emil Hakim Edi Yoga Prasetyo
Claim Information Technology Financial Accounting ERM, HSSE & APU PPT
Fadlil Iswahyudi Arga Fajar Syah (Plt) Aldy Rifianto (Plt) Jusman Hutama
Human Capital Legal & Compliance &
Underwriting I Management Accounting
Management Data Protection
Tony Yuliawan Ariefianto Aldy Rifianto (Pjs)
Vacant Vacant
Investment & Research, Development
Underwriting II Procurement
Treasury & Transformation
Rendy Andrias (Plt) Budi Adinugraha (Plt)
Edwar (Plt) Vacant
Reinsurance Sharia Finance Actuary
Tradhi Anom Prasetyo Solihin M. Ivan Faizal
Operation
Rahmat Hidayat (Plt)
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Profil Dewan Komisaris
Board of Commissioners’ Profiles
Perubahan dalam Komposisi Dewan Komisaris
Changes in the Board of Commissioners
Berdasarkan perubahan komposisi tersebut, anggota Based on the last changes in the composition. Company’s
Dewan Komisaris Perseroan per 31 December 2024 Board of Commissioners members as of 31 December
adalah sebagai berikut: 2024 is as follows:
Sejak RUPST 29 April 2024
Sebelum RUPST 29 April
Nama s.d. 31 December 2024 Keterangan
2024
Name Since AGMS 29 April 2024 Remarks
Prior AGMS 29 April 2024
until 31 December 2024
Dian Masyita Presiden Komisaris & Tidak lagi menjabat sebagai Presiden Komisaris dan
Komisaris Independen Komisaris Independen sejak ditutupnya RUPST 29
April 2024.
President Commissioner &
Independent Commissioner No longer serves as President Commissioner &
Independent Commissioner since the closing of the
AGMS on 29 April 2024.
Abdul Ghofar Presiden Komisaris & Diangkat sebagai Presiden Komisaris & Komisaris
Komisaris Independen Independen berdasarkan keputusan Rapat
Umum Pemegang Saham Tahunan (RUPST) yang
President Commissioner & diselenggarakan pada 29 April 2024. Pengangkatan
Independent Commissioner ini mulai berlaku efektif setelah mendapatkan
persetujuan dari Otoritas Jasa Keuangan (OJK),
sebagaimana diatur dalam Keputusan Anggota
Dewan Komisioner OJK No. Kep-90/D.05/2024
tertanggal 3 Desember 2024 dan dinyatakan dalam
Surat OJK No. S-3626/PD.021/2024 tertanggal 5
Desember 2024.
Appointed as President Commissioner & Independent
Commissioner based on the resolution of the Annual
General Meeting of Shareholders (AGMS) held on
29 April 2024. This appointment became effective
after obtaining approval from the Financial Services
Authority (OJK), as stipulated in the OJK Board of
Commissioners' Decision No. Kep-90/D.05/2024
dated 3 December 2024, and stated in OJK Letter
No. S-3626/PD.021/2024 dated 5 December 2024.
Bagus Agung Komisaris Komisaris
-
Rahadiansyah Commissioner Commissioner
Samuel Ramna Komisaris Komisaris
-
Commissioner Commissioner
Poerwo Tjahjono Komisaris Independen Komisaris Independen
-
Independent Commissioner Independent Commissioner
Tajudin Noor Komisaris Independen Komisaris Independen
-
Independent Commissioner Independent Commissioner
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Berdasarkan perubahan komposisi tersebut, anggota Based on the last changes in the composition. Company’s
Dewan Komisaris Perseroan per 31 Desember 2024 Board of Commissioners members as of 31 December
adalah sebagai berikut: 2024 is as follows:
Nama Jabatan
Name Position
Abdul Ghofar Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Komisaris
Commissioner
Samuel Ramna Komisaris
Commissioner
Poerwo Tjahjono Komisaris Independen
Independent Commissioner
Tajudin Noor Komisaris Independen
Independent Commissioner
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 91
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Abdul Ghofar
Presiden Komisaris &
Komisaris Independen
President Commissioner &
Independent Commissioner
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Warga negara Indonesia, berusia 48 tahun, berdomisili di Indonesian citizen, 48 years old, currently residing in
Malang, Jawa Timur. Malang, East Java.
Diangkat sebagai Presiden Komisaris & Komisaris Appointed as President Commissioner & Independent
Independen untuk pertama kalinya berdasarkan keputusan Commissioner for the first time based on the resolution of
Rapat Umum Pemegang Saham Tahunan (RUPST) tanggal the Annual General Meeting of Shareholders (AGMS) dated
29 April 2024, yang tercantum dalam Akta Notaris No. 29 April 2024, as detailed in Notary Deed No. 189 on
189 tanggal 29 April 2024, Notaris Mala Mukti S.H.,LL.M. 29 April 2024, by Notary Mala Mukti S.H., LL.M. He has
Beliau telah lulus Uji Kelayakan dan Kepatutan OJK passed the OJK Fit and Proper Test as per OJK Letter No.
berdasarkan Surat OJK No. S-3626/PD.021/2024 tanggal S-3626/PD.021/2024 dated 5 December 2024.
5 Desember 2024.
Abdul Ghofar adalah lulusan Universitas Brawijaya dengan Abdul Ghofar is a graduate of Brawijaya University, where
gelar Sarjana Ekonomi di bidang Akuntansi pada tahun he earned his Bachelor’s degree in Economics with a focus
1999, kemudian melanjutkan studi S2 di Universitas on Accounting in 1999. He went on to receive his Master’s
Gadjah Mada dan meraih gelar Master Akuntansi pada degree in Accounting from Gadjah Mada University in
tahun 2001, serta studi lebih lanjut di Melbourne 2001, followed by further studies at Melbourne University,
University, Australia pada tahun 2006. Abdul Ghofar Australia, in 2006. Abdul Ghofar earned his Doctorate in
meraih gelar Doktor Administrasi Bisnis dari Victoria Business Administration from Victoria University, Australia,
University, Australia pada tahun 2014. Dengan lebih dari in 2014. With over 24 years of diverse and substantial
24 tahun pengalaman yang beragam dan substansial, experience, Abdul Ghofar has built a remarkable career.
Abdul Ghofar telah membangun karir yang luar biasa. His membership in the Certification Board of the
Keanggotaannya di Dewan Sertifikasi Ikatan Akuntan Indonesian Institute of Public Accountants (IAPI) from
Publik Indonesia (IAPI) dari tahun 2013 hingga 2017 2013 to 2017 underscores his credibility in the field of
menegaskan kredibilitasnya di bidang akuntansi. Selain accounting. Furthermore, his current membership in the
itu, keanggotaannya saat ini di Dewan Sertifikasi Chartered Certification Board of Chartered Accountants, Indonesian
Accountant, Ikatan Akuntan Indonesia (IAI) dari tahun Institute of Accountants (IAI), from 2020 to 2024
2020 hingga 2024 menunjukkan kontribusinya yang highlights his continued contribution to the industry.
berkelanjutan di industri ini.
Selain karir profesionalnya, Abdul Ghofar juga memberikan In addition to his professional career, Abdul Ghofar
kontribusi yang signifikan dalam dunia pendidikan. Beliau has also made significant contributions to the field of
menjabat sebagai Plh Ketua Jurusan Akuntansi Fakultas education. He served as the Acting Head of the Accounting
Ekonomi dan Bisnis Universitas Brawijaya pada Agustus- Department at the Faculty of Economics and Business
Desember 2017. Tidak lama setelah itu, Abdul Ghofar at Brawijaya University from August to December 2017.
dipercaya untuk menjabat sebagai Wakil Dekan Bidang Shortly thereafter, Abdul Ghofar was entrusted with a
Akademik Fakultas Ekonomi dan Bisnis Universitas strategic role as the Vice Dean for Academic Affairs at
Brawijaya dari tahun 2017 hingga 2021, dan sejak tahun the Faculty of Economics and Business at Brawijaya
2021 hingga sekarang, beliau menjabat sebagai Dekan University from 2017 to 2021, and he has since held the
Fakultas Ekonomi dan Bisnis Universitas Brawijaya, yang position of Dean of the Faculty of Economics and Business
menunjukkan keterlibatannya yang luas dalam memajukan at Brawijaya University since 2021, demonstrating
pendidikan dan akademik. his extensive involvement in advancing education
and academia.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bagus Agung
Rahadiansyah
Komisaris
Commissioner
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Warga negara Indonesia, berusia 49 tahun, berdomisili di Indonesian citizen, 49 years old, currently residing in
Jakarta Selatan. South Jakarta.
Diangkat sebagai Komisaris Perusahaan untuk pertama He was appointed as Commissioner of the Company
kalinya berdasarkan Keputusan RUPS Tahunan tanggal for his first term based on the AGMS Resolution dated
17 Mei 2022 yang tercantum dalam Akta Notaris No. 17 May 2022, as detailed in Notary Deed No. 51 on
51 tanggal 17 Mei 2022, Notaris Jose Dima Satria S.H., 17 May 2022, by Notary Jose Dima Satria S.H., M.Kn.
M.Kn. Beliau telah lulus Uji Kelayakan dan Kepatutan OJK He successfully passed the OJK Fit and Proper Test, as
berdasarkan Keputusan Dewan Komisaris No. KEP-29/ outlined in the Board of Commissioners Decree No. KEP-
KDK.05/2023 tanggal 23 Juni 2023. 29/KDK.05/2023 dated 23 June 2023.
Bagus Agung Rahadiansyah memiliki berbagai sertifikat Bagus Agung Rahadiansyah holds multiple risk
kompetensi manajemen risiko yang dikeluarkan oleh management competence certificates from the National
Badan Nasional Sertifikasi Profesi (BNSP), seperti Qualified Professional Certification Agency (BNSP), including
Risk Governance Professional (QRGP), Manajemen Risiko Qualified Risk Governance Professional (QRGP), Banking
Perbankan Level 4, dan Treasury Dealer Level Advance. Risk Management Level 4, and Treasury Dealer Level
Beliau juga memiliki Sertifikat Internasional dalam Risiko Advance. He also possesses an International Certificate in
dan Regulasi Perbankan yang dikeluarkan oleh Global Banking Risk and Regulation from the Global Association
Association of Risk Professionals (GARP). of Risk Professionals (GARP).
Bagus Agung Rahadiansyah menyelesaikan pendidikan He earned a Bachelor of Economics in Financial
Sarjana Ekonomi di bidang Manajemen Keuangan dari Management from the Faculty of Economics at the
Fakultas Ekonomi Universitas Indonesia pada tahun University of Indonesia in 2001 and a Diploma in
2001 dan meraih Diploma di bidang Analisis Teknikal dari Technical Analysis from the Australian Technical Analysts
Australian Technical Analysts Association yang bekerja Association, in cooperation with the Securities Institute
sama dengan Securities Institute of Australia. of Australia.
Beliau memiliki pengalaman yang luas di sektor keuangan, Bagus Agung Rahadiansyah has built an impressive career
terbukti dengan karir yang sukses di berbagai lembaga in the financial sector, with experience in leading financial
keuangan dan perbankan terkemuka. Di antaranya, pernah and banking institutions. He has served as a Trader at PT
menjabat sebagai Trader di PT Danareksa (Persero), AVP Danareksa (Persero), AVP Institutional Sales at Hong Kong
Institutional Sales di Hongkong and Shanghai Banking and Shanghai Banking Corporation Limited Jakarta Branch
Corporation Limited Jakarta Branch (2006-2008), Head (2006-2008), Head of Investor Sales at PT Bank ANZ
of Investor Sales di PT Bank ANZ Indonesia (2008-2015), Indonesia (2008-2015), Director - Head of Investor Sales
Director - Head of Investor Sales di Citibank NA Jakarta at Citibank NA Jakarta Branch (2015-2019), and Director -
Branch (2015-2019), dan Director - Head of Investor Sales Head of Investor Sales at PT Bank ANZ Indonesia (2019-
di PT Bank ANZ Indonesia (2019-2020). Sejak tahun 2020, 2020). Since 2020, he has been serving as Senior Vice
beliau menjabat sebagai Senior Vice President Corporate President of Corporate Finance at the Finance Directorate
Finance di Direktorat Keuangan PT Pertamina (Persero). of PT Pertamina (Persero).
Selama kariernya, Bagus Agung Rahadiansyah aktif dalam Throughout his career, Bagus Agung Rahadiansyah has
pengelolaan asosiasi profesional di industri keuangan, been actively involved in professional associations in
seperti Indonesia Foreign Exchange Market Committee dan the financial industry, such as the Indonesia Foreign
ACI FMA Indonesia. Beliau juga terlibat dalam berbagai Exchange Market Committee and ACI FMA Indonesia. He
tim kerja dan inisiatif bersama otoritas dan pemangku has participated in various task forces and initiatives with
kepentingan industri keuangan, seperti Otoritas Jasa financial industry authorities and stakeholders, including
Keuangan, Bank Indonesia, dan Kementerian Keuangan the Financial Services Authority, Bank Indonesia, and
Republik Indonesia. Selain itu, beliau memiliki berbagai the Ministry of Finance of the Republic of Indonesia.
izin profesi di sektor industri keuangan dan pasar modal, Additionally, he holds several professional licenses in the
seperti Wakil Pialang Efek, Wakil Penjamin Emisi Efek, dan financial and capital markets sectors, such as Securities
Wakil Pialang Berjangka. Broker Representative, Underwriter Representative, and
Futures Broker Representative.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 95
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Samuel Ramna
Komisaris
Commissioner
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Warga negara Indonesia, berusia 29 tahun, berdomisili di A citizen of Indonesia, 29 years old, residing in
Jakarta Utara. North Jakarta.
Beliau diangkat sebagai Komisaris untuk masa jabatan He was appointed as a Commissioner for his first term
pertama sesuai dengan keputusan RUPST pada 28 April in line with the AGMS decision on 28 April 2023, as
2023, yang tercantum dalam Akta No. 122 tanggal 28 April documented in Deed No. 122 on the same date by
2023 dari Notaris Jose Dima Satria, S.H., M.Kn. Beliau Notary Jose Dima Satria, S.H., M.Kn. He successfully
telah lulus Uji Kelayakan dan Kepatutan OJK berdasarkan passed the OJK Fit and Proper Test as per the Board of
Keputusan Dewan Komisaris No. KEP-41/KDK.05/2023 Commissioners Decree No. KEP-41/KDK.05/2023 dated
tanggal 4 Desember 2023. 4 December 2023.
Beliau meraih gelar Sarjana Ekonomi (cum laude) dari He graduated with a Bachelor of Economics (cum laude)
University of California, Berkeley pada tahun 2013, gelar from the University of California, Berkeley, in 2013, earned
Magister Ekonomi dari University of Southern California a Master of Economics from the University of Southern
pada tahun 2014, dan gelar Magister Sains di bidang Ilmu California in 2014, and completed a Master of Science in
Aktuaria dari Columbia University pada tahun 2016. Actuarial Science from Columbia University in 2016.
Pada tahun 2023, beliau juga memperoleh sertifikasi In 2023, he also obtained a risk management certification
manajemen risiko sebagai Qualified Risk Governance as a Qualified Risk Governance Professional (QRGP) from
Professional (QRGP) dari Lembaga Sertifikasi Profesi the Mitra Kalyana Sejahtera Professional Certification
Mitra Kalyana Sejahtera (LSP MKS) dan Badan Nasional Institute (LSP MKS) and the National Professional
Sertifikasi Profesi (BNSP). Certification Agency (BNSP).
Kariernya dimulai di PT Nusantara Sugihartana His career began at PT Nusantara Sugihartana
Internasional, di mana beliau menjabat berbagai posisi, Internasional, where he held various positions, including
antara lain sebagai Analyst dari 2016 hingga 2018, Analyst from 2016 to 2018, Associate from 2019 to 2021,
Associate dari 2019 hingga 2021, dan Vice President and Vice President from 2022 to the present.
sejak 2022 hingga sekarang.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Poerwo
Tjahjono
Komisaris Independen
Independent Commissioner
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Warga negara Indonesia, berusia 68 tahun, saat ini An Indonesian citizen, 68 years old, currently residing in
berdomisili di Jakarta Selatan. South Jakarta.
Ia diangkat sebagai Komisaris Independen perusahaan He was appointed as an Independent Commissioner of
untuk periode pertama sesuai dengan keputusan RUPST the company for the first term, in accordance with the
pada 30 Juni 2020, yang tercatat dalam Akta No. 182 resolution of the Annual General Meeting of Shareholders
tertanggal 30 Juni 2020 oleh Notaris Jose Dima Satria, (AGMS) on 30 June 2020, as documented in Deed No.
S.H., M.Kn. Ia telah lolos Uji Kelayakan dan Kepatutan 182 dated 30 June 2020, by Notary Jose Dima Satria,
OJK berdasarkan Keputusan Dewan Komisaris OJK S.H., M.Kn. He passed the OJK Fit and Proper Test based
No. KEP-80/KDK.05/2020 yang dikeluarkan pada 10 on the OJK Commissioner Board Decree No. KEP-80/
November 2020. KDK.05/2020, issued on 10 November 2020.
Poerwo Tjahjono menyelesaikan pendidikan Sarjana Poerwo Tjahjono obtained his Bachelor of Economics
Ekonomi di bidang Akuntansi di Universitas Padjajaran, degree in Accounting from Padjajaran University, Bandung
Bandung pada 1984, dan melanjutkan pendidikan in 1984, and a Master of Management degree from Gadjah
Magister Manajemen di Universitas Gadjah Mada, Mada University, Yogyakarta in 1999.
Yogyakarta pada 1999.
Ia memiliki sertifikat kompetensi di bidang manajemen He holds a risk management competency certificate with
risiko dengan kualifikasi Qualified Risk Governance the qualification of Qualified Risk Governance Professional
Professional (QRGP) yang diterbitkan oleh Badan Nasional (QRGP) issued by the National Professional Certification
Sertifikasi Profesi (BNSP). Selain itu, ia juga memperoleh Agency (BNSP). Additionally, he is a Chartered Accountant
gelar Chartered Accountant Indonesia (CA) sebagai Indonesia (CA), a professional accounting qualification
akuntan profesional sesuai dengan standar internasional. aligned with international standards.
Poerwo Tjahjono memulai kariernya di PT Pertamina Poerwo Tjahjono began his career at PT Pertamina
(Persero) pada 1986 hingga 2012, dengan posisi terakhir (Persero) in 1986, where he worked until 2012, with his
sebagai Senior Vice President Controller. Ia juga pernah final position as Senior Vice President Controller. He also
menjabat sebagai Komisaris PT Pertamina Tongkang served as Commissioner of PT Pertamina Tongkang from
pada 2007-2011. Pada periode 2011-2013, ia menjabat 2007 to 2011. From 2011 to 2013, he was appointed as
sebagai Komisaris/Non Executive Director di Pertamina Commissioner/Non-Executive Director at Pertamina Energy
Energy Trading Limited serta Presiden Komisaris PT Patra Trading Limited and President Commissioner at PT Patra
Jasa. Ia juga berperan sebagai Anggota Komite Audit PT Jasa. He was a member of the Audit Committee at PT
Pertamina Hulu Energi pada 2012-2015, dan Anggota Pertamina Hulu Energi from 2012 to 2015 and a member
Komite Pemantauan Manajemen Risiko PT Pertamina of the Risk Management Monitoring Committee at PT
(Persero) pada 2015-2019. Pertamina (Persero) from 2015 to 2019.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tajudin
Noor
Komisaris Independen
Independent Commissioner
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Warga negara Indonesia, berusia 58 tahun, berdomisili di Indonesian citizen, 58 years old, currently residing in
Bogor, Jawa Barat. Bogor, West Java.
Beliau diangkat sebagai Komisaris Independen untuk He was appointed as Independent Commissioner for the
periode pertama berdasarkan keputusan RUPS pada 28 first term based on the AGMS resolution on 28 April 2023,
April 2023, sebagaimana tercantum dalam Akta No. 122 as stated in Deed No. 122 dated 28 April 2023, by Notary
tanggal 28 April 2023 dari Notaris Jose Dima Satria, S.H., Jose Dima Satria, S.H., M.Kn. He has passed the Financial
M.Kn. Beliau telah lulus Uji Kelayakan dan Kepatutan Services Authority (OJK) Fit and Proper Test as per the
(Fit and Proper Test) OJK berdasarkan Keputusan Board of Commissioners Decree No. KEP-6/D.05/2024
Dewan Komisaris No. KEP-6/D.05/2024 tanggal 18 dated 18 January 2024.
Januari 2024.
Beliau memperoleh gelar Sarjana Manajemen Ekonomi dari He holds a Bachelor’s degree in Management Economics
Universitas Airlangga pada tahun 1992 dan gelar Magister from Airlangga University (1992) and a Master’s degree
Manajemen dan Bisnis dari Institut Pertanian Bogor pada in Management and Business from the Bogor Agricultural
tahun 2015. Institute (2015).
Beliau memiliki berbagai sertifikasi, antara lain Coaching His qualifications include several certifications, such as
the Culture Leader (2000) yang diselenggarakan oleh PT Coaching the Culture Leader (2000) by PT HRD Indonesia,
HRD Indonesia, Organizing Job Analysis for Hay System Organizing Job Analysis for Hay System (2003) by PT
(2003) yang diselenggarakan oleh PT Bina Kompetensia Bina Kompetensia Pesona, Quality Management System
Pesona, Quality Management System (2015) oleh PT (2015) by PT BSI Group Indonesia, the Global Executive
BSI Group Indonesia, Global Executive Development Development Program (2016-2017) by the National
Program (2016-2017) yang diselenggarakan oleh National University of Singapore, and ISO 31000:2018 Risk
University of Singapore, serta Sertifikasi Manajemen Management Certification (2023) by Widya Dharma Artha,
Risiko ISO 31000:2018 (2023) dari Widya Dharma Artha, and Risk Management Certification under the Qualified
dan Sertifikasi Manajemen Risiko skema Qualified Risk Risk Governance Professional (QRGP) scheme issued
Governance Professional (QRGP) yang dikeluarkan oleh by the National Professional Certification Agency (BNSP)
Badan Nasional Sertifikasi Profesi (BNSP) tahun 2023. in 2023.
Karir beliau dimulai di PT Pertamina (Persero) pada He began his career at PT Pertamina (Persero) in 1993,
tahun 1993, dengan berbagai jabatan, termasuk sebagai where he held various positions, including Director of
Direktur Business Support hingga tahun 2015. Beliau Business Support until 2015. He then moved to PT
kemudian menjabat sebagai Vice President Treasury di Pertamina Geothermal Energy as Vice President of
PT Pertamina Geothermal Energy (2015-2017), Direktur Treasury (2015-2017), PT Pertamina Lubricants as
Keuangan & Business Support di PT Pertamina Lubricants Director of Finance & Business Support (2017-2018), and
(2017-2018), dan Direktur Administrasi & Keuangan di PT PT Pertamina Patra Niaga as Director of Administration
Pertamina Patra Niaga (2018-2019). Selain itu, beliau juga & Finance (2018-2019). Additionally, he served as
menjabat sebagai Komisaris di PT Pertamina International Commissioner at PT Pertamina International Timor (2018-
Timor (2018-2020) dan PT Pertamina International 2020) and PT Pertamina International Shipping (2019-
Shipping (2019-2020). Beliau juga memegang peran 2020). He also held key roles at PT Pertamina (Persero),
penting di PT Pertamina (Persero), antara lain sebagai including Corporate Secretary (2019-2020), Senior Vice
Sekretaris Perusahaan (2019-2020), Senior Vice President President of Human Capital (2020-2022), and Senior Vice
Human Capital (2020-2022), dan Senior Vice President President of Logistics Integration & Optimization (2022).
Logistics Integration & Optimization (2022).
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Mengenai Rangkap Jabatan
Anggota Dewan Komisaris
Information Regarding Concurrent Positions of
Members of The Board of Commissioners
Rangkap Jabatan
Nama Jabatan di Tugu Insurance Concurrent Position
Name Position in Tugu Insurance Di Dalam TUGU Group Di Luar TUGU Group
In TUGU Group Outside TUGU Group
Abdul Ghofar Presiden Komisaris & Komisaris Ketua Komite Pemantau Risiko • Dekan Fakultas Ekonomi dan
Independen Tugu Insurance (13 Desember Bisnis Universitas Brawijaya (Juni
2024-sekarang). 2021-sekarang).
President Commissioner & • Anggota Dewan Sertifikasi Chartered
Independent Commissioner Chairman of the Risk Monitoring Accountant, Ikatan Akuntan Indonesia
Committee of Tugu Insurance (IAI), periode 2020-2028.
(13 December 2024-present). • Dosen Jurusan Akuntansi Fakultas
Ekonomi dan Bisnis Universitas
Brawijaya (2002-sekarang).
• Dean of the Faculty of Economics and
Business Brawijaya University (June
2021-present).
• Member of the Chartered Accountant
Certification Board, Indonesian Institute
of Accountants (IAI), period 2020-2028.
• Lecturer, Department of Accounting,
Faculty of Economics and Business
Brawijaya University (2002-present).
Bagus Agung Komisaris - Senior Vice President Corporate Finance,
Rahadiansyah Commissioner PT Pertamina (Persero) (2020-sekarang).
Senior Vice President Corporate Finance of
PT Pertamina (Persero) (2020-present).
Samuel Ramna Komisaris - Vice President di PT Nusantara
Commissioner Sugihartana Internasional
(2022-sekarang).
Vice President at PT Nusantara
Sugihartana Internasional
(2022-present).
Poerwo Tjahjono Komisaris Independen Ketua Komite Audit Tugu Insurance -
Independent Commissioner (1 Januari 2021-sekarang).
Chairman of the Audit Committee
of Tugu Insurance (1 January
2021-present).
Tajudin Noor Komisaris Independen Ketua Komite Nominasi dan -
Independent Commissioner Remunerasi Tugu Insurance
(19 Januari 2024-sekarang).
Chairman of the Nomination
and Remuneration Committee
of Tugu Insurance (19 January
2024-present).
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Informasi Mengenai Hubungan Afiliasi
Anggota Dewan Komisaris
Information Regarding Concurrent Positions of
Members of The Board of Commissioners
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Pemegang Pemegang
Dewan Dewan
Nama Saham Saham
Pengawas Pengawas
Name Utama/ Utama/
Direktur Komisaris Syariah Direktur Komisaris Syariah
Pengendali Pengendali
Director Commissioner Sharia Director Commissioner Sharia
Majority/ Majority/
Supervisory Supervisory
Controlling Controlling
Board Board
Shareholders Shareholders
Abdul Ghofar
Bagus Agung
Rahadiansyah
Samuel Ramna
Poerwo Tjahjono
Tajudin Noor
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
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Audited Report
Profil Direksi
Board of Directors’ Profiles
Perubahan dalam Komposisi Direksi
Changes in the Board of Directors Composition
Sejak RUPST
29 April 2024 s.d.
Nama Sebelum RUPST 29 April 2024 31 December 2024
Name Prior AGMS 29 April 2024 Since AGMS
29 April 2024 until
31 December 2024
Tatang Hurhidayat Presiden Direktur Presiden Direktur
President Director President Director
Emil Hakim Direktur Keuangan & Layanan Korporat Direktur Keuangan & Layanan Korporat
Finance & Corporate Service Director Finance & Corporate Service Director
Ery Widiatmoko Direktur Pemasaran Asuransi Direktur Pemasaran Asuransi
Insurance Marketing Director Insurance Marketing Director
Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Direktur Kepatuhan & Manajemen Risiko
Compliance & Risk Management Director Compliance & Risk Management Director
Sudarlin Direktur Teknik Direktur Teknik
Technical Director Technical Director
Dengan demikian, Anggota Direksi Tugu Therefore, the members of the Tugu
Insurance per 31 Desember 2024 adalah Insurance’s Board of Directors as of 31
sebagai berikut: December 2024 are as follows:
Nama Jabatan
Name Position
Tatang Hurhidayat Presiden Direktur
President Director
Emil Hakim Direktur Keuangan & Layanan Korporat
Finance & Corporate Service Director
Ery Widiatmoko Direktur Pemasaran Asuransi
Insurance Marketing Director
Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko
Compliance & Risk Management Director
Sudarlin Direktur Teknik
Technical Director
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tatang
Nurhidayat
Presiden Direktur
President Director
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Audited Report
Tatang Nurhidayat, seorang warga negara Indonesia yang Tatang Nurhidayat, an Indonesian citizen, 39 years old,
berusia 39 tahun, berdomisili di Jawa Barat, Indonesia. resides in West Java, Indonesia.
Ia diangkat sebagai Direktur Utama Tugu Insurance untuk He was appointed as the President Director of Tugu
masa jabatan pertamanya melalui Rapat Umum Pemegang Insurance for his first term through the Annual General
Saham Tahunan (RUPST) pada 17 Mei 2022, sebagaimana Meeting of Shareholders (AGMS) on 17 May 2022, as
tercantum dalam Akta No. 49 tertanggal 9 Juni 2022 oleh recorded in Deed No. 49, dated 9 June 2022, by Notary
Notaris Jose Dima Satria, S.H., M.Kn. Tatang berhasil Jose Dima Satria, S.H., M.Kn. He successfully passed the
lulus Penilaian Kemampuan dan Kepatutan OJK sesuai OJK Fit and Proper Assessment, as outlined in the OJK
dengan Keputusan Dewan Komisioner OJK No. Kep-32/ Commissioner Board Decree No. Kep-32/KDK.05/2022,
KDK.05/2022 tertanggal 16 Agustus 2022. dated 16 August 2022.
Tatang memiliki gelar Sarjana Ilmu Kelautan dari Tatang holds a Bachelor’s degree in Marine Science from
Universitas Diponegoro (2008) dan gelar Magister Ekonomi Diponegoro University (2008) and a Master’s degree
Islam dari Sekolah Tinggi Ekonomi Islam (STEI) Tazkia in Islamic Economics from Sekolah Tinggi Ekonomi
(2018). Kariernya di sektor asuransi dimulai sebagai Islam (STEI) Tazkia (2018). His career in the insurance
Management Trainee di PT Asuransi Adira Dinamika, di sector began as a Management Trainee at PT Asuransi
mana ia dengan cepat membangun reputasi yang kuat. Adira Dinamika, where he quickly established a strong
Ia pernah menjabat sebagai Direktur Pemasaran di PT reputation. He served as Marketing Director at PT
Asuransi Takaful Umum dari 2019 hingga 2021, Presiden Asuransi Takaful Umum from 2019 to 2021, President
Komisaris di PT LSP Perasuransian Syariah dari 2020 Commissioner at PT LSP Perasuransian Syariah from 2020
hingga 2022, dan Sharia Group Head di PT Asuransi to 2022, and Sharia Group Head at PT Asuransi Bintang
Bintang dari 2012 hingga 2018. Selain itu, ia menjabat from 2012 to 2018. Additionally, he held the position
sebagai Wakil Ketua Asosiasi Asuransi Syariah Indonesia of Vice Chairman of the Indonesian Sharia Insurance
(AASI) dari 2017 hingga 2020, kemudian menjadi Ketua Association from 2017 to 2020, later becoming the
Umum pada tahun 2020, yang masih dipegangnya hingga General Chairman in 2020, a role he currently holds. Since
saat ini. Sejak tahun 2021, ia juga menjabat sebagai 2021, he has also served as the General Chairman of the
Ketua Umum Dewan Asuransi Indonesia (DAI). Indonesian Insurance Council (DAI).
Tatang Nurhidayat memiliki sertifikasi sebagai berikut: Tatang Nurhidayat holds the following certifications:
Jenis Ketrampilan Keterangan
No.
Skill Type Remarks
1 Implementation & Internal Auditor ISO 9001:2008 Neville Clarke, 2013
2 Certified Islamic Insurance Specialist IIS, 2014
3 Certified in Life Insurance LSP AAMAI, 2017
4 Certified in General Insurance LSP AAMAI, 2018
5 Qualified in Risk Governance Practitioner (QRGP) LSP MSK, 2022
6 Associate of Islamic Insurance Society (AIIS) IIS, 2020
7 Senior Associate CIP Australian and New Zealand Institute of Insurance and Finance (ANZIIF),
2024
8 Fellowship Malaysian Insurance Institute FMII, 2023
Tatang telah meraih sertifikasi dari AIIS dan QRGP, serta Tatang has obtained certifications from AIIS and QRGP and
aktif dalam berbagai organisasi profesional. Pada tahun is actively involved in various professional organizations. In
2023, beliau secara resmi tergabung dalam Fellowship 2023, he officially joined the Fellowship of the Malaysian
Malaysian Insurance Institute (FMII), dan pada tahun Insurance Institute (FMII), and in 2024, he became a
2024 menjadi Senior Associate CIP ANZIIF. Ia juga Senior Associate CIP ANZIIF. He is also actively engaged
aktif dalam berbagai organisasi profesional lainnya, in several other professional organizations, including
meliputi keanggotaannya menjadi anggota Komite IKNB serving as a member of the IKNB Committee at the Islamic
di Masyarakat Ekonomi Syariah (MES), anggota Dewan Economic Society (MES), a Supervisory Board member
Pengawas di Lembaga Alternatif Penyelesaian Sengketa at the Financial Services Sector Alternative Dispute
Sektor Jasa Keuangan (LAPS SJK), dan anggota Dewan Resolution Institution (LAPS SJK), and a Supervisory
Pengawas Yayasan Asuransi Indonesia. Pengalaman Board member at the Indonesian Insurance Foundation.
dan peran kepemimpinannya yang luas menegaskan His extensive experience and leadership roles underscore
komitmennya dalam memajukan industri asuransi dan his commitment to advancing the insurance and Sharia
asuransi syariah di Indonesia. insurance industry in Indonesia.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Emil
Hakim
Direktur Keuangan &
Layanan Korporat
Finance & Corporate Service Director
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Emil Hakim, seorang warga negara Indonesia yang Emil Hakim, an Indonesian citizen, currently 47 years old,
berusia 47 tahun, berdomisili di Pondok Kelapa, resides in Pondok Kelapa, DKI Jakarta, Indonesia.
DKI Jakarta, Indonesia.
Ia diangkat kembali sebagai Direktur Keuangan & Layanan He was reappointed as Finance & Corporate Service
Korporat di Tugu Insurance untuk masa jabatan kedua Director at Tugu Insurance for a second term based on the
berdasarkan keputusan Rapat Umum Pemegang Saham resolution of the Annual General Meeting of Shareholders
Tahunan (RUPST) pada 29 April 2024, yang dicatat dalam (AGMS) on 29 April 2024, as recorded in Deed No.
Akta No. 78 tertanggal 22 Mei 2024 oleh Notaris Mala 78 dated 22 May 2024, by Notary Mala Mukti, S.H.,
Mukti, S.H., LL.M. Emil lulus Penilaian Kemampuan LL.M. Emil successfully passed the OJK Fit and Proper
dan Kepatutan OJK sesuai dengan Keputusan Dewan Assessment, as indicated in the OJK Commissioner Board
Komisioner OJK No. KEP-48/KDK.05/2021 tertanggal 10 Decree No. KEP-48/KDK.05/2021, dated 10 September
September 2021. 2021.
Emil Hakim memiliki sertifikasi sebagai berikut: Emil Hakim holds the following certifications:
Jenis Ketrampilan Keterangan
No.
Skill Type Remarks
1 Chartered Accountant Indonesia 11.D27537 Dikeluarkan oleh Ikatan Akuntan Indonesia, 2014
Issued by the Indonesian Institute of Accountants, 2014
2 Register Negara untuk Akuntan D-27537 Kementrian Keuangan, 2021
Ministry of Finance, 2021
State Register of Accountants D-27537
3 CFO Academy Said Business School Oxford
4 Qualified in Risk Governance Professional LPS MKS
5 Qualified Chief Risk Officer Dikeluarkan oleh Badan Nasional Sertifikasi Profesi (2021)
Issued by the National Professional Certification Agency (2021)
Ia menyelesaikan pendidikan Sarjana Ekonomi di bidang He holds a Bachelor of Economics in Accounting from
Akuntansi dari Universitas Sriwijaya (UNSRI) pada tahun Sriwijaya University (UNSRI), which he completed in 2000,
2000 dan meraih gelar Magister Keuangan Terapan and a Master of Applied Finance from the Australian
dari Australian National University (ANU) pada tahun National University (ANU), earned in 2016. Emil began
2016. Emil memulai kariernya di PT Pertamina (Persero) his career with PT Pertamina (Persero) in 2001, where he
pada tahun 2001, di mana ia menjadi Asisten Manajer advanced to Assistant Manager, a position he held from
dari 2008 hingga 2014. Setelah menyelesaikan gelar 2008 to 2014. After obtaining his master’s degree, he
masternya, ia kembali melanjutkan kariernya di PT returned to PT Pertamina, eventually serving as Finance
Pertamina sebagai Manajer Keuangan di Proyek RDMP Manager for the Balikpapan RDMP Project until 2018. He
Balikpapan hingga 2018. Kemudian, di anak perusahaan later joined Maurel & Prom in Paris, a subsidiary of PT
PT Pertamina Internasional EP, ia bertugas di Maurel & Pertamina Internasional EP, where he worked as a Senior
Prom di Paris sebagai Penasihat Keuangan Senior dari Finance Advisor from 2019 to 2020, before becoming Vice
2019 hingga 2020, sebelum menjabat sebagai Wakil President of Treasury at PT Pertamina Geothermal Energy
Presiden Treasury di PT Pertamina Geothermal Energy dari from 2020 to 2021.
2020 hingga 2021.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Ery
Widiatmoko
Direktur Pemasaran Asuransi
Insurance Marketing Director
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Seorang warga negara Indonesia, saat ini berusia 59 An Indonesian citizen, currently 59 years old, residing in
tahun, berdomisili di Bogor, Jawa Barat, Indonesia. Bogor, West Java, Indonesia.
Ia dipercaya kembali menjabat sebagai Direktur Pemasaran He was reappointed as Insurance Marketing Director for a
Asuransi untuk masa jabatan kedua berdasarkan second term based on the resolution of the Annual General
keputusan Rapat Umum Pemegang Saham Tahunan Meeting of Shareholders (AGMS) on 28 April 2023, as
(RUPST) pada 28 April 2023, yang tercatat dalam Akta recorded in Deed No. 124, dated 28 April 2023, by Notary
No. 124, tertanggal 28 April 2023 oleh Notaris Jose Dima Jose Dima Satria, S.H., M.Kn., in Jakarta. He successfully
Satria, S.H., M.Kn. di Jakarta. Ia berhasil lulus Penilaian passed the Fit and Proper Test by the Financial Services
Kemampuan dan Kepatutan OJK, yang tercantum dalam Authority (OJK), as stated in OJK Decision No. Kep-59/
Keputusan OJK No. Kep-59/KDK.05/2020, tertanggal 23 KDK.05/2020, dated 23 September 2020.
September 2020.
Ia memperoleh gelar Sarjana Teknik Geologi dari He earned his bachelor’s degree in Geological Engineering
Universitas Pembangunan Nasional Veteran Yogyakarta from the Veteran Yogyakarta Pembangunan University
(UPN) pada tahun 1991. Selain itu, ia juga aktif mengikuti (UPN) in 1991. Additionally, he participated in executive
program pendidikan eksekutif di Prasetiya Mulya Business educational programs at Prasetiya Mulya Business School
School Executive Learning Institute (ELI) dalam bidang Executive Learning Institute (ELI) in Financial Management,
Manajemen Keuangan, Manajemen Strategis, dan Strategic Management, and General Business
Manajemen Umum dari tahun 2012 hingga 2013. Management from 2012 to 2013.
Ery Widiatmoko memiliki sertifikasi sebagai berikut: Ery Widiatmoko holds the following certifications:
Jenis Ketrampilan Keterangan
No.
Skill Type Remarks
1 Professional Development Program "Financial Statement IRMAPA, Juli 2022
Fraud Risk Analysis & Prevention (FSFR)" - Data Analytics IRMAPA, July 2022
Course
2 Implementing ESG : How Being Sustainable Benefits CRMS, Juli 2022
Companies CRMS, July 2022
3 Pelatihan & Sertifikasi RCC QCRO Widya Dharma Arta, Oktober 2022
RCC QCRO Training & Certification Widya Dharma Arta, October 2022
Sebelum bergabung dengan Tugu Insurance sebagai Before joining Tugu Insurance as Chief Network & Retail
Chief Network & Retail Business pada 25 April 2018, ia Business on 25 April 2018, he had a long career at PT
menjalani karier panjang di PT Asuransi Astra Buana sejak Asuransi Astra Buana since 1992, with his last position
tahun 1992, dengan posisi terakhir sebagai Chief Network as Chief Network & Retail Business from 2018 to 2020.
& Retail Business dari 2018 hingga 2020. Selama Throughout his career, he has achieved various awards,
kariernya, beliau berhasil meraih berbagai penghargaan, including the Astra International Award in the ‘Outstanding
salah satunya adalah Astra International Award untuk Effort as Creative Value Chain Innovator’ category in 2015.
kategori “Outstanding Effort as Creative Value Chain
Innovator” pada tahun 2015.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Edi Yoga
Prasetyo
Direktur Kepatuhan &
Manajemen Risiko
Compliance & Risk Management Director
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Audited Report
Warga negara Indonesia, saat ini berusia 53 tahun, An Indonesian citizen, currently 53 years old, residing in
berdomisili di Tangerang, Banten, Indonesia. Tangerang, Banten, Indonesia.
Ia diangkat sebagai Direktur Kepatuhan & Manajemen He was appointed as Compliance & Risk Management
Risiko untuk masa jabatan pertamanya berdasarkan Director for his first term based on the resolution of the
keputusan Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders (AGMS) on 28
(RUPST) pada 28 April 2023, yang tercatat dalam Akta April 2023, as documented in Deed No. 124, dated 28
No. 124, tertanggal 28 April 2023 oleh Notaris Jose April 2023, by Notary Jose Dima Satria, S.H., M.Kn. in
Dima Satria, S.H., M.Kn. di Jakarta. Ia berhasil lulus Tes Jakarta. He successfully passed the OJK Fit and Proper
Kemampuan dan Kepatutan OJK sesuai dengan Keputusan Test as per OJK Decree No. KEP-5/D.05/2024, dated 18
OJK No. KEP-5/D.05/2024, tertanggal 18 Januari 2024. January 2024.
Ia memperoleh gelar Sarjana Ekonomi Sosial Pertanian He earned a Bachelor’s degree in Agricultural Social
dari Institut Pertanian Bogor pada tahun 1995, dan Economics from Bogor Agricultural University in 1995
kemudian mendapat gelar Magister Management dan and later obtained a Master’s degree in Management and
Bisnis di School of Business Institut Pertanian Bogor Business from the School of Business, Bogor Agricultural
pada 2024. University, in 2024.
Edy Yoga Prasetyo memiliki sertifikasi sebagai berikut: Edi Yoga Prasetyo holds the following certifications:
Jenis Ketrampilan Keterangan
No.
Skill Type Remarks
1 Manajemen Risiko LSP MKS (2021-2024)
Risk Management
2 Manajemen Risiko LSP MKS (2023-2026)
Risk Management
3 Program Pendidikan Mini Magister Hukum Pertamina Fakultas Hukum Universitas Gadjah Mada & Pertamina (2024)
Pertamina Mini Master’s Program in Law Faculty of Law, University of Gadjah Mada & Pertamina (2024)
4 Profesi Asuransi Syariah tingkat Ajun Ahli Associate of the Islamic Insurance Society (2024)
Sharia Insurance Professional Certification- Associate
Expert Level
Kariernya dimulai di PT Asuransi AIG Lippo (sebelumnya His career began at PT Asuransi AIG Lippo (formerly
PT Asuransi Lippo Life) dari 1995 hingga 2003, PT Asuransi Lippo Life) from 1995 to 2003, with his last
dengan jabatan terakhir sebagai Kepala Departemen position as Head of Product Development Department.
Pengembangan Produk. Ia kemudian melanjutkan kariernya He then continued his career at PT Asuransi CIGNA as
di PT Asuransi CIGNA sebagai Manajer Penjualan Cabang Branch Sales Manager (2003-2004), Citibank NA as Retail
(2003-2004), Citibank NA sebagai Manajer Retail Banking Banking Manager – Global Consumer Group (2004-2006),
– Global Consumer Group (2004-2006), dan PT Bank Lippo and PT Bank Lippo Tbk as Program Officer for Total Quality
Tbk sebagai Program Officer Total Quality Management Management (TQM) (2006-2008).
(TQM) (2006-2008).
Selanjutnya, ia bekerja di PT Bank BTPN Tbk sebagai Subsequently, he worked at PT Bank BTPN Tbk as Head of
Kepala Departemen Manajemen Penjualan & Dukungan Sales Management & Support Department (2008-2011)
(2008-2011), dan di PT Asuransi Allianz Life Indonesia and at PT Asuransi Allianz Life Indonesia as Deputy CEO of
sebagai Wakil Direktur Utama Syariah (2011-2022). Sharia (2011-2022). He then served as Director at PT LSP
Ia kemudian menjabat sebagai Direktur di PT LSP Per Per Asuransian Syariah (2022-2023) and as Commissioner
Asuransian Syariah (2022-2023) dan menjabat sebagai at PT Synergy Risk Management Consultants (2023-2024).
Komisaris di PT Synergy Risk Management Consultants
(2023-2024).
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sudarlin
Direktur Teknik
Technical Director
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Audited Report
Warga negara Indonesia, saat ini berusia 47 tahun, An Indonesian citizen, currently 47 years old, residing in
berdomisili di Jakarta Timur, Indonesia. East Jakarta, Indonesia.
Ia diangkat sebagai Direktur Teknik untuk masa jabatan He was appointed as Technical Director for his first term
pertamanya berdasarkan keputusan Rapat Umum following the resolution of the Annual General Meeting of
Pemegang Saham Tahunan (RUPST) pada 28 April Shareholders (AGMS) on 28 April 2023, as documented
2023, yang tercatat dalam Akta No. 55, tertanggal 9 in Deed No. 55, dated 9 November 2023, by Notary Jose
November 2023 oleh Notaris Jose Dima Satria, S.H., Dima Satria, S.H., M.Kn. in Jakarta. He successfully
M.Kn. di Jakarta. Ia berhasil lulus Tes Kemampuan dan passed the OJK Fit and Proper Test as per OJK Decree No.
Kepatutan OJK sesuai dengan Keputusan OJK No. KEP-40/ KEP-40/KDK.05/2023, dated 30 October 2023.
KDK.05/2023, tertanggal 30 Oktober 2023.
Ia memperoleh gelar Sarjana Ekonomi dari Universitas He holds a Bachelor’s degree in Economics from Lampung
Lampung pada tahun 2000 dan gelar Magister Manajemen University, earned in 2000, and a Master’s degree in
dari Universitas Gadjah Mada pada tahun 2003. Management from Gadjah Mada University, completed
in 2003.
Sudarlin memiliki sertifikasi sebagai berikut: Sudarlin holds the following certifications:
Jenis Ketrampilan Keterangan
No.
Skill Type Remarks
1 Ahli Asuransi Kerugian Indonesia (AAIK/Profesi) LSP AAMAI, Februari 2011
Indonesian General Insurance Expert (AAIK/Profession) LSP AAMAI, February 2011
2 Manajemen Risiko Perasuransian (AMRP/Profesi) LSP AAMIA, September 2022
Insurance Risk Management (AMRP/Profession)
3 Manajemen Risiko (QCRO/Profesi) LSP MKS, September 2021
Risk Management (QCRO/Profession)
4 Proffesional in Organization Development (CPOD/Profession AIODP, Juni 2023
HR & Organization Transformation) AIODP, June 2023
Kariernya dimulai di BBS Unilanet sebagai Network & His career began at BBS Unilanet as a Network & System
System Engineer dari 1997 hingga 2000. Ia kemudian Engineer from 1997 to 2000. He then worked at PT
bekerja di PT Samsung Electronic Indonesia sebagai Staf Samsung Electronics Indonesia as a Marketing Staff
Pemasaran (2000-2001) dan di Pro-Pack Material Pte. Ltd. (2000-2001) and at Pro-Pack Material Pte. Ltd. as a
sebagai Sales Engineer/Kepala Departemen Merek (2004- Sales Engineer/Brand Department Head (2004-2006).
2006). Selanjutnya, ia bergabung dengan PT Asuransi Tugu Subsequently, he joined PT Asuransi Tugu Pratama
Pratama Indonesia Tbk, di mana ia menjabat di berbagai Indonesia Tbk, where he held various positions, including
posisi, termasuk Underwriter (2007-2012), Kepala Underwriter (2007-2012), Head of Facultative Department
Departemen Facultative (2014-2021), Ahli Perusahaan (2014-2021), Corporate Expert (2015-2023), and Head
(2015-2023), dan Kepala Grup Reasuransi (2021-2023). of Reinsurance Group (2021-2023). In 2023, he was
Pada tahun 2023, beliau juga menjabat sebagai Komisaris also appointed as Commissioner at PT Tugu Insurance
di PT Tugu Insurance Company Ltd. Hingga saat ini. Company Ltd., a position he holds to this day.
Selain itu, beliau berhasil mendapat penghargaan sebagai Additionally, he received the Future Leader award from
The Future Leader yang diberikan Infobank pada tahun Infobank in both 2023 and 2024.
2023 dan 2024.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 115
Page 118
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Mengenai
Rangkap Jabatan Anggota Direksi
Information Regarding Concurrent Positions of
Members of The Board of Directors
Rangkap Jabatan
Nama Jabatan di Tugu Insurance Concurrent Position
Name Position in Tugu Insurance Di Dalam TUGU Group Di Luar TUGU Group
In TUGU Group Outside TUGU Group
Tatang Nurhidayat Presiden Direktur - Komisaris PT Reasuransi Maipark
President Director Indonesia (6 November 2022-sekarang).
Commissioner of PT Reasuransi Maipark
Indonesia (6 November 2022-present).
Emil Hakim Direktur Keuangan & Layanan Korporat Komisaris PT Pratama Mitra -
Corporate Finance & Services Director Sejati (1 Oktober 2021-Desember
2024).
Commissioner of PT Pratama
Mitra Sejati (1 October
2021-December 2024).
Ery Widiatmoko Direktur Pemasaran Asuransi • Komisaris PT Tugu Pratama -
Insurance Marketing Director Interindo (September
2023-sekarang).
• Komisaris PT Asuransi
Samsung Tugu (April
2023-sekarang).
• Commissioner of PT
Tugu Pratama Interindo
(September 2023-Present).
• Commissioner of PT Asuransi
Samsung Tugu
(April 2023-Present).
Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Komisaris PT Synergy Risk Management
Compliance & Risk Management Director - Consultants (6 Juni 2023-sekarang).
Commissioner of PT Synergy Risk
Management Consultants (6 June
2023-present).
Sudarlin Direktur Teknik Direktur Tugu Insurance Co Ltd -
Technical Director (Juli 2024-sekarang).
Director of Tugu Insurance Co. Ltd
(July 2024-Present).
116 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Informasi Mengenai
Hubungan Afiliasi Anggota Direksi
Information Regarding Affiliation Relationships of
The Board of Directors Members
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Pemegang Pemegang
Dewan Dewan
Nama Saham Saham
Pengawas Pengawas
Name Utama/ Utama/
Direktur Komisaris Syariah Direktur Komisaris Syariah
Pengendali Pengendali
Director Commissioner Sharia Director Commissioner Sharia
Majority/ Majority/
Supervisory Supervisory
Controlling Controlling
Board Board
Shareholders Shareholders
Tatang Nurhidayat
Emil Hakim
Ery Widiatmiko
Edi Yoga Prasetyo
Sudarlin
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 117
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sumber Daya Manusia
Human Resource
Tugu Insurance berkomitmen untuk memberikan Tugu Insurance is committed to providing equal
kesempatan yang setara dalam mengelola sumber opportunities in managing human resources, including
daya manusia, termasuk dalam hal perekrutan, tanpa recruitment, without discrimination based on gender,
membedakan gender, kelas sosial, etnis, atau ras. social class, ethnicity, or race. This principle of equality
Prinsip kesetaraan ini juga diterapkan dalam penilaian extends to employee evaluations, ensuring that all
karyawan, sehingga setiap karyawan, tanpa memandang employees, regardless of gender, have equal opportunities
gender, memiliki kesempatan yang sama untuk for promotion.
mendapatkan promosi.
Jumlah dan Komposisi Pekerja
Employee Headcount
Pada 31 Desember 2024, Tugu Insurance mempekerjakan As of December 31, 2024, Tugu Insurance employed 469
469 karyawan, yang mencerminkan kenaikan sebesar 2% employees, reflecting a 2% increase compared to the
dibandingkan dengan total 459 karyawan pada 2023. total of 459 employees in 2023. The company upholds a
Perusahaan menerapkan kebijakan non-diskriminasi policy of non-discrimination based on gender, race, religion,
berdasarkan gender, ras, agama, etnis, atau kelas sosial ethnicity, or social class across all levels of employees
di semua tingkat karyawan dan manajemen, termasuk and management, including in recruitment, remuneration,
dalam perekrutan, remunerasi, dan sistem promosi. Tugu and promotion systems. Tugu Insurance offers equal
Insurance memberikan kesempatan yang setara kepada opportunities to both male and female employees.
karyawan pria dan wanita. Namun, karena sifat pekerjaan, However, due to the nature of the work, geographical
lokasi geografis, dan karakteristik bisnis Tugu Insurance, location, and the business characteristics of Tugu
karyawan pria cenderung lebih dominan. Insurance, male employees tend to be more prevalent.
Rincian jumlah karyawan Tugu Insurance berdasarkan The breakdown of Tugu Insurance employees by gender,
gender, posisi, usia, tingkat pendidikan, dan status position, age, education level, and employment status is
pekerjaan adalah sebagai berikut. as follows.
Jumlah dan Komposisi Pekerja Berdasarkan Jenis Kelamin
Number and Composition of Employees Based on Gender
2024 2023
Jenis Kelamin
Gender Jumlah Jumlah
% %
Total Total
Laki-laki 290 61,8 287 62,5
Male
Perempuan 179 38,2 172 37,5
Female
Jumlah 469 100,0 459 100,0
Total
118 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Jumlah dan Komposisi Pekerja bedasarkan Jabatan
Number and Composition of Employees Based on Position
2024 2023
Jabatan
Position Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
Deputy Director 1 1 2 0,4 1 1 2 0,4
Group Head & VP 13 4 17 3,6 15 5 20 4,4
Pekerja Perbantuan di Anak 7 1 8 1,7 7 1 8 1,7
Perusahaan
Seconded Workers in Subsidiaries
Department Head 45 12 57 12,2 44 12 56 12,2
Manajer 21 6 27 5,8 26 8 34 7,4
Manager
Officer 127 69 196 41,8 124 64 188 41,0
Staf 75 86 161 34,3 67 81 148 32,2
Staff
Pelaksana 1 - 1 0,2 3 - 3 0,7
Implementer
Jumlah 290 179 469 100,0 287 172 459 100,0
Total
Jumlah dan Komposisi Pekerja berdasarkan Usia
Number and Composition of Employees Based on Age
2024 2023
Usia
Age Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
21-30 39 57 96 20,5 36 58 94 20,5
31-40 125 84 209 44,6 119 74 193 42,0
41-50 85 33 118 25,2 80 34 114 24,8
≥ 51 41 5 46 9,8 52 6 58 12,6
Jumlah 290 179 469 100,0 287 172 459 100,0
Total
Jumlah dan Komposisi Pekerja berdasarkan Tingkat Pendidikan
Number and Composition of Employees Based on Education Level
2024 2023
Pendidikan
Education Level Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
S3 1 - 1 0,2 1 - 1 0,2
Doctoral Degree
S2 56 15 71 15,1 54 14 68 14,8
Master Degree
S1 226 160 386 82,3 221 153 374 81,5
Bachelor Degree
Diploma 5 4 9 1,9 7 5 12 2,6
SMU Sederajat 2 - 2 0,4 2 - 2 0,4
Senior High School
SMP Sederajat - - - - 1 - 1 0,2
Junior High School
SD Sederajat - - - - 1 - 1 0,2
Elementary School
Jumlah 290 179 469 100,0 287 172 459 100,0
Total
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 119
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Jumlah dan Komposisi Pekerja berdasarkan Status Kepegawaian
Number and Composition of Employees Based on Employment Status
Berdasarkan status kepegawaian, SDM di Tugu Insurance Based on employment status, the human resources at
dapat dikelompokkan sebagai berikut: Tugu Insurance can be grouped as follows:
2024 2023
Status Kepegawaian
Employment Status Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
Pekerja Waktu Tidak Tertentu 220 122 342 73,9 230 123 353 76,9
(Pekerja Tetap)
Permanent Employees
Pekerja Waktu Tertentu (Pekerja 61 54 115 24,5 50 46 96 20,9
Kontrak)
Contract Employees
Pekerja Perbantuan (PT Pertamina 2 2 4 0,9 - 2 2 0,4
(Persero)
Seconded Employees (PT
Pertamina Persero)
Pekerja yang Diperbantukan di 7 1 8 1,7 7 1 8 1,7
Entitas Anak
Seconded Employees in
Subsidiaries
Jumlah 290 179 469 100,0 287 172 459 100,0
Total
Pengembangan Kompetensi SDM
HR Development
Tugu Insurance memberikan kesempatan yang setara Tugu Insurance offers equal opportunities for all
bagi semua karyawan untuk mengikuti program employees to engage in competency development
pengembangan kompetensi yang diselenggarakan programs that align with the company’s needs. These
sesuai dengan kebutuhan perusahaan. Program programs not only support the company’s performance
pengembangan kompetensi ini tidak hanya mendukung but also aim to enhance employee capabilities and career
kinerja perusahaan, tetapi juga bertujuan untuk growth. Human resource development is overseen by the
meningkatkan kapasitas karyawan dan pengembangan Learning & Development Department, which is part of
karier. Pengembangan sumber daya manusia dikelola the Human Capital & Services Group, and includes the
oleh Departemen Pembelajaran & Pengembangan yang following activities:
merupakan bagian dari Grup Human Capital & Services,
dan mencakup kegiatan-kegiatan berikut:
1. Pelatihan: 1. Training:
• Pelatihan Internal; dan • In-house Training; and
• Pelatihan Publik. • Public Training.
2. Sertifikasi Profesional; 2. Professional Certification;
3. Pembinaan Spiritual dan Krida; 3. Spiritual and Krida Coaching;
4. Rapat Town Hall; dan 4. Town Hall Meetings; and
5. Audiensi Karyawan dengan Direksi. 5. Employee meetings with the Board of Directors.
120 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
1. Training
a. In-house training
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 7 Habbits of Highly Effective People - Foundations 21
2 Analisis Risiko Konstruksi Dan Operasional Dairy Product 12
Risk Analysis of Construction and Operational Aspects of Dairy Products
3 Asuransi Kredit & Penjaminan Kredit 26
Credit Insurance & Credit Guarantee
4 Basic People Management Development Program (PMDP) 21
5 Certified Hunger 21
6 Continuous Improvement Program dan Implementasi Konsep Menuju Annual Pertamina Quality 57
Awards (APQA) 2025
Continuous Improvement Program and Implementation of the Concept Towards the Annual Pertamina Quality
Awards (APQA) 2025
7 Delivering Service Excellence as a Front Liner Batch 4 29
8 Emotional Quotient 17
9 Enhancing Back Office Performance to Provide Service Excellence Batch 1 32
10 Enhancing Back Office Performance to Provide Service Excellence Batch 2 32
11 Enhancing Back Office Performance to Provide Service Excellence Batch 3 32
12 Enhancing Back Office Performance to Provide Service Excellence Batch 4 28
13 Enhancing Back Office Performance to Provide Service Excellence Batch 5 33
14 Enhancing Back Office Performance to Provide Service Excellence Batch 6 32
15 Enhancing Back Office Performance to Provide Service Excellence Batch 7 34
16 Input Object Detail & Coverage (Fire Only) 25
17 Input Object Detail & Coverage (Fire, Onshore, Offshore) 51
18 Leading Change Innovation In Vuca World 16
19 Mindset Analytical Thinking 17
20 Policy Automation 82
21 Recharge Your Energy - Empowering Performance and Productivity 74
22 Sosialisasi Anti Fraud & Whistleblowing System 635
Anti-Fraud & Whistleblowing System Awareness
23 Sosialisasi dan Pelatihan Implementasi Strategy And Service Blue Print Untuk Manajemen 27
Awareness and Training on the Implementation of Strategy and Service Blueprint for Management
24 Sosialisasi Internal Memo Workflow 406
Awareness Session on Internal Memo Workflow
25 Tenaga Pemasar Asuransi Umum 20
General Insurance Marketing Personnel
26 Tilearn 056: Policy Automation 139
27 Tilearn 057: Aviation 44
28 Tilearn 061 - Financial Wellbeing Series Bijak Mengelola Keuangan Dan Pentingnya Investasi 339
Tilearn 061 - Financial Wellbeing Series: Smart Financial Management and the Importance of Investment
29 Tilearn 062 - Terapan Dalam Pengolahan Data 21
Tilearn 062: Applied Data Processing
30 Tilearn 063 - Menuju Digital Service Insurance Company 558
Tilearn 063: Towards a Digital Service Insurance Company
31 Tilearn 064: PENGENALAN TEKNOLOGI KENDARAAN LISTRIK VINFAST & SKEMA LANGGANAN BATERAI 18
Tilearn 064: Introduction to VinFast Electric Vehicle Technology & Battery Subscription Scheme
32 Time Management 17
33 Tishare 015 - Nasabah dan Transaksi Mencurigakan: Apa yang perlu Diketahui dan Dilakukan? 346
Tishare 015 - Nasabah dan Transaksi Mencurigakan: Apa yang perlu Diketahui dan Dilakukan?
34 Training For Facilitator: How to Enhance the Skill on Becoming Excellent Trainer 15
35 Training For Trainers: How to Achieve Service Excellence through Service Values (Trend) 27
36 Training Internal Audit ISO 37001:2016 Berdasarkan Standar ISO 190011:2018 15
Training Internal Audit ISO 37001:2016 Berdasarkan Standar ISO 190011:2018
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 121
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Judul Training Jumlah Peserta
No.
Training Title Total Participant
37 Undang-Undang Pelindungan Data Pribadi 41
Personal Data Protection Act
38 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 1 23
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 1
39 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 2 23
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 2
40 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 3 26
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 3
41 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 4 25
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 4
42 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 5 27
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 5
43 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 6 26
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 6
44 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 7 25
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 7
45 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 8 21
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 8
46 Menuju Pelayanan Back Office yang “Trust”, “Easy”, & “Friendly” - Batch 9 18
Towards a "Trust", "Easy", & "Friendly" Back Office Service - Batch 9
47 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 1 26
Towards a "Trust", "Easy", & "Friendly" Service - Batch 1
48 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 2 26
Towards a "Trust", "Easy", & "Friendly" Service - Batch 2
49 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 3 26
Towards a "Trust", "Easy", & "Friendly" Service - Batch 3
50 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 4 27
Towards a "Trust", "Easy", & "Friendly" Service - Batch 4
51 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 5 25
Towards a "Trust", "Easy", & "Friendly" Service - Batch 5
52 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 6 33
Towards a "Trust", "Easy", & "Friendly" Service - Batch 6
53 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 7 31
Towards a "Trust", "Easy", & "Friendly" Service - Batch 7
54 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 8 33
Towards a "Trust", "Easy", & "Friendly" Service - Batch 8
55 Menuju Pelayanan yang “Trust”, “Easy”, & “Friendly” - Batch 9 34
Towards a "Trust", "Easy", & "Friendly" Service - Batch 9
Total 3.862
b. Public training (dalam negeri)
Public training (Domestics)
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 A Challenge in a Political Year 1
2 Insurance Property 5
3 The Insurance Industry in the Industry 4.0 2
4 2 Days Practical Suretyship Syariah 2
5 20 Singapore International Insurance Conference
th
2
6 2-Days CFA Masterclass - Private Equity Bootcamp 1
7 30th East Asian Insurance Congress (EAIC) 2
8 7th Indonesian Actuaries Summit 2024 2
9 AAAIK 1
10 AAIK 1
11 AAUI Training Liability Insurance 3
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Judul Training Jumlah Peserta
No.
Training Title Total Participant
12 Accident Investigation 1
13 Aktuari A40 1
Actuary A40
14 Analisa Laporan Keuangan Perusahaan Asuransi Berbasis PSAK 74 dan Dampaknya bagi Perkembangan 2
Industri Asuransi
Analysis of Insurance Company Financial Statements Based on PSAK 74 and Its Impact on the Development
of the Insurance Industry
15 Analisis Laporan Keuangan 1
Financial Report Analysis
16 Annual Membership 2024 - CFA Institute 1
17 Asuransi Tanggung Gugat 5
Liability Insurance
18 Bedah Program Reasuransi Structured Reinsurance/Multi Year Xol 1
Review of Structured Reinsurance Program/Multi-Year Xol
19 Behavioral Event Interview (BEI) 1
20 Best Practices in Product Management and Marketing Chanel to Support Customer 1
21 Bond Market & Instrumens 2
22 Booth Camp Aktuaris Asuransi Umum Tahun 2024 1
Actuary Boot Camp for General Insurance 2024
23 Breakthrough for the Future of Islamic Insurance 2
24 Business Analysis (Based on Babok V3.0) 2
25 Business Continuity and Crisis Management in the Digital Era 1
26 Business Excellence Enhancement 2
27 Business Excellence Enhancement Batch IV 2
28 Business Presentation Skills Batch V 1
29 Business Valuation 1
30 Business Valuation Batch III 3
31 Carbon Credit Insurance 1
32 CCP (Certified Compliance Professional) 1
33 CEO Gathering - Seeing, Thinking, and Acting like a CEO 2
34 Certified Professional Organization Development 1
35 Certified Technical Analyst 1
36 Corporate Strategy 1
37 Corporate Strategy Batch III 2
38 Creative Copywriting for Corporate Branding 4
39 CRMO 1
40 CSA 1
41 Delivering Service Excellence as a Front Liner Batch 4 1
42 Design Thinking 1
43 Digital CX Blueprint 1
44 Dinamika Baru Hukum Informasi Dan Transaksi Elektronik (ITE) Pasca Amandemen UU ITE 2023 1
New Dynamics of Information and Electronic Transactions (ITE) Law After the 2023 Amendment
45 Dinamika Hukum Ketenagakerjaan Dalam UU Cipta Kerja Pasca Putusan MK No. 168/PUU-XXI/2023 1
Dynamics of Employment Law in the Job Creation Law After Constitutional Court Decision No. 168/PUU-
XXI/2023
46 Effective Investor Relation in Practice Level I 1
47 Effective Investor Relation in Practice Level II 1
48 Ekosistem Digital: Penciptaan Nilai Dalam Asuransi 1
Digital Ecosystem: Value Creation in Insurance
49 Employer Branding "How to Stand out in the Talent Market Place" 2
50 Engineering & Car/Ear Insurance 3
51 ERMAP/ERMCP 1
52 ESG Certification Program 1
53 Finance for Non Finance Professional 2
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 123
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Judul Training Jumlah Peserta
No.
Training Title Total Participant
54 Finance for Non Finance Professional Batch III 1
55 Finance, Accounting and Tax (Fat) Gathering 2
56 First Line Leadership: Becoming Effective Leader 2
57 Full Stack Web Development Bootcamp 1
58 Fundamentals on Antifraud Risk Management 1
59 General Affairs Management Development Program 1
60 Handling of Claims Arising from Major Aviation Accident 5
61 Hazops Sertifikasi BNSP 1
62 HR Manager Certification Program 1
63 Igna Asia - Beazley For 2nd International Cargo Seminar 6
64 Indonesia Public Relations Summit 2024 (5th Edition) 1
65 Indonesian Actuarial Conference 2024 1
66 Insurance 4.0 - The Insurance Industry in the Industry 4.0 1
67 Insurance Summit 1
68 Integritas dan Tata Kelola Perusahaan 1
Integrity and Corporate Governance
69 Intensive Course Comperhensive Transfer Pricing Batch 29 1
70 Internal Control Over Financial Reporting (ICOFR) 1
71 International Contract Drafting: Legal Frameworks & Best Practices 2
72 Introduction and Principle of Investor Relation 1
73 ITC Leadership Conclave – Adaptable Leadership: Building New Stories, Navigating New Dynamics & Challenges 2
74 Kinerja & Kematangan Integrated Risk Management 1
Performance & Maturity of Integrated Risk Management
75 Konferensi Internasional Risk Beyond 2024 2
International Conference: Risk Beyond 2024
76 Kupas Tuntas Asuransi Kendaraan Bermotor 7
In-Depth Review of Motor Vehicle Insurance
77 Laveraging Data Analytics & AI to Boost Digitization 2
78 Leadership for Sustainable Impact: GRC,ESG, and SDGS 3
79 Leveraging Network for Collaboration and Transformation 2
80 Leveraging Network for Collaboration and Transformation Batch II 2
81 Leveraging Network for Collaboration and Transformation Batch III 4
82 Life Cycle Assessment (LCA) and Carbon Reduction Strategy 2
83 M&A Complete Cycle 1
84 Managing Electronic Document Management Systems (EDMS) and Electronic Data Interchange (EDI) 1
85 Marine Insurance Training Coal Transportation 2
86 Marsh Asia Construction Academy 2024 1
87 Mclarens Aviation Training Course 2024 1
88 Measuring The Social Return on Investment (SROI) 2
89 Memahami 50 Klausul-klausul Penting Polis Asuransi Harta Benda dan Aplikasinya 2
Understanding 50 Key Clauses in Property Insurance Policies and Their Applications
90 Memahami Seluk Beluk dan Penerapan Mekanisme Penyelesaian Sengketa Dalam Perseroan Terbatas 4
Understanding the Ins and Outs of Dispute Resolution Mechanisms in Limited Liability Companies and Their
Implementation
91 Membership CII 1
92 Membership WMI 2
93 Mengintegrasikan Manajemen Kepatuhan: Implementasi POJK 22/2023 Dari Teori Ke Aksi: Kasus 2
Perlindungan Konsumen
Integrating Compliance Management: Implementation of POJK 22/2023 from Theory to Action – Consumer
Protection Case
94 Menyambut IFRS 17 1
Welcoming IFRS 17
95 Metode Fair Value Approach Dalam Perhitungan Opening Balance Atau Saldo Awal PSAK 117 3
Fair Value Approach Method in Calculating Opening Balance or Initial Balance of PSAK 117
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Judul Training Jumlah Peserta
No.
Training Title Total Participant
96 Mini MBA 1
97 Modul 002 1
98 Muslim Market Outlook 2024 1
99 Navigating The Global Internal Audit Standards 3
100 Oil & Gas Insurance Solutions 2
101 Onerous Contract Improvement 1
102 Optimalisasi Strategi Hukum dan Bisnis Dalam Transaksi Merger & Akuisisi Perusahaan 1
Optimization of Legal and Business Strategies in Merger & Acquisition Transactions
103 PAI A50 1
104 Pelatihan Business Presentation Skills – Batch I 2
Business Presentation Skills Training – Batch I
105 Pelatihan Business Presentation Skills – Batch II 2
Business Presentation Skills Training – Batch II
106 Pelatihan dan Sertifikasi Perancang Kontrak Pengadaan Barang dan Jasa 1
Training and Certification for Procurement Contract Drafting
107 Pelatihan dan Uji Profesi Ajun Ahli Asuransi Syariah-Program Khusus 1
Training and Professional Examination for Associate Expert in Sharia Insurance – Special Program
108 Peluang dan Tantangan Aset Digital di Indonesia 5
Opportunities and Challenges of Digital Assets in Indonesia
109 Pemantapan Nilai-Nilai Kebangsaan 1
Strengthening National Values
110 Pemasaran Asuransi Pengangkutan Barang 1
Marketing of Cargo Insurance
111 Penerapan dan Dampak dari Implementasi Standar Pelaporan Keuangan Internasional IFRS 17 2
Implementation and Impact of IFRS 17 Financial Reporting Standards
112 Peningkatan Pemahaman Mengenai Pemahaman Global Internal Audit Standards 2024 3
Enhancing Understanding of the 2024 Global Internal Audit Standards
113 Peningkatan Sadar Hukum 1
Increasing Legal Awareness
114 Peran Strategis Eksekutif Perusahaan dalam Menghadapi Persaingan Usaha dan Menegakkan Kepatuhan 1
Hukum
The Strategic Role of Corporate Executives in Facing Business Competition and Upholding Legal Compliance
115 Perpanjangan SKP Kewenangan Ahli K3 Umum 1
Renewal of SKP General OHS (Occupational Health and Safety) Expert Authority
116 Persiapan Implementasi PSAK 117 (Kontrak Asuransi), PSAK 109 (Instrumen Keuangan), dan IFTRS 18 3
Preparation for the Implementation of PSAK 117 (Insurance Contracts), PSAK 109 (Financial Instruments),
and IFTRS 18
117 Perubahan Perhitungan PPH 21 Berdasarkan Peraturan Pemerintah No. 58 Tahun 2023, Peraturan 4
Kementerian Keuangan
Changes in PPh 21 Calculation Based on Government Regulation No. 58 of 2023 and Ministry of Finance
Regulation
118 Process Flowcharts & Process Mapping - The Beginner's Guide 1
119 Project Management Office Batch II 1
120 Project Management Office Batch III 1
121 Project Management Office Batch IV 1
122 PSAK 109 : Instrumen Keuangan 1
PSAK 109: Financial Instruments
123 PSAK 117 2
124 QA from Scratch – Your Journey to Manual Testing (2024) 1
125 Recovery Claim: Strategy And Benefits 1
126 Reinsurance Class of Excellence 1
127 Reinsurance in Practice Seminar 1
128 Reinsurance Pricing (Intermediate to Advanced Level) 1
129 Renewal Anziif 1
130 Risiko dan Coverage Asuransi dalam Asuransi Migas 1
Risks and Coverage in Oil & Gas Insurance
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 125
Page 128
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Judul Training Jumlah Peserta
No.
Training Title Total Participant
131 Risk Control & Self Assessment in Insurance Company 1
132 Safer Internet Lab Dialogue on Internet Safety 1
133 Seeing the Unseen Enemies: Crucial Role of Whistleblowers in Detecting And Preventing Cyberfraud 2
134 Seminar Future of Work, Navigating Challenges & Measuring Success for Excellent Performance 1
135 Seminar Manajemen Risiko “Membangun Ketahanan Siber di Industri Asuransi Syariah” 3
Risk Management Seminar: “Building Cyber Resilience in the Sharia Insurance Industry"
136 Sosialisasi Penerapan Kebijakan Antipenyuapan 5
Awareness Session on the Implementation of Anti-Bribery Policy
137 Statistics for Data Science and Business Analysis 1
138 Strategi Komunikasi Krisis untuk Menjaga Reputasi di Era Digital 1
Crisis Communication Strategies to Safeguard Reputation in the Digital Era
139 Subject 102 1
140 Subject 103 1
141 Surety Bond 4
142 Surety Bond dan Kontra Bank Garansi - Prinsip-Prinsip dan Praktik Serta Prosedur dan Penanganan Klaim 5
Surety Bond
Surety Bond and Counter Bank Guarantee – Principles, Practices, Procedures, and Claim Handling
143 Swiss Re Asia Engineering Conference 2024 1
144 Swiss Re Asia Engineering Conference 2025 1
145 Tarif di Industri Asuransi mau Dibawa Kemana ? 1
Where Are Insurance Industry Rates Headed?
146 Tax Update Review Tahun 2024 3
Tax Update Review 2024
147 Terrorism and Political Violence Insurance 2
148 The Fundamentals of Sharia Suretyship 1
149 TOT Coach & Juri CIP 2024 – Batch I 1
150 Training & Workshop Devops 3
151 Training Asia Power Forum (APF) 1
152 Training Collection Skills and Negotiation Techniques 1
153 Training Tableau Prep 7
154 Training Treasury Management 4
155 Transformasi Menuju Efisiensi: Strategi & Implementasi di Industri Perasuransian 1
Transformation Towards Efficiency: Strategy & Implementation in the Insurance Industry
156 Transforming Business with ESG: Insights, Regulations, and Tools 2
157 Tutorial Pelatihan Asuransi Tingkat Dasar (CGI) 1
Basic Insurance Training Tutorial (CGI)
158 Ujian Financial Risk Manager (FRM) Part 1 1
Financial Risk Manager (FRM) Part 1 Exam
159 Unlocking Potential: AI Powered Digital Transformation in Financial services 1
160 Upstream Insurance Workshop 1
161 Visual Design Training for Corporate Branding 4
162 Webinar "Strategi Implementasi POJK 22/2023 dalam Industri Jasa Keuangan" 1
Webinar: Strategy for Implementing POJK 22/2023 in the Financial Services Industry
163 Workshop "Consolidation for Reputation" (Indonesia Public Relation Summit 2024) 1
164 Workshop Nasional : Outsourcing dan Hubungan Kerja, Serta Kebijakan Penetapan Pengupahan Tahun 2025 1
Maupun Tata Cara PHK Paska Putusan Mahkamah Konstitusi No. 168/PUU-XXI/2023 Melalui Perubahan
Undang Undang Cipta Kerja
National Workshop: Outsourcing and Employment Relations, Wage Policy Determination for 2025, and
Termination Procedures Post-Constitutional Court Decision No. 168/PUU-XXI/2023 Through Amendments to
the Job Creation Law
TOTAL 310
126 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
2. Sertifikasi Profesi
Professional Certification
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 QRMP 12
2 Ujian CFrA 1
CFrA Exam
3 Ujian Sertifikasi Certified Forensic Auditor (CFRA)-Audit Forensik 1
Certified Forensic Auditor (CFrA) Certification Exam – Forensic Audit
4 Ujian Ulang Sertifikasi Certified Forensic Auditor (CFrA) 1
Certified Forensic Auditor (CFrA) Recertification Exam
5 Sertifikasi Kompetensi Level 5-6 5
Competency Certification Level 5-6
6 Sertifikasi Kompetensi Level 5-7 1
Competency Certification Level 5-7
7 QCRO 5
8 QRGP 1
9 CGP 1
10 CIA Part I 1
11 CIA Part I & II 1
12 CIA Part II 1
13 CGP 1
Biaya Pengembangan Kompetensi Tahun 2024
Employee Development Cost in 2024
Realisasi biaya pengembangan pekerja tahun 2024 adalah The realization of employee development costs in
sebesar Rp3.162.018.699 atau 57% dari keseluruhan 2024 amounted to IDR3,162,018,699, or 57% of the
anggaran yang direncanakan pada RKAP 2024 sebesar total budget planned in the 2024 RKAP, which was
Rp5.502.801.796. IDR5,502,801,796.
Rencana Pengembangan Kompetensi Tahun 2025
Competency Development Plan for 2025
Pada tahun 2025 Perseroan memiliki rencana In 2025, the Company has a competency development
pengembangan kompetensi SDM, terutama dalam hal: plan for its human resources, focusing on:
1. Strategic Leadership; 1. Strategic Leadership;
2. Service Excellence & Costumer Focus; 2. Service Excellence & Customer Focus;
3. Selling Skills; 3. Selling Skills;
4. Problem Solving & Decision Making; dan 4. Problem Solving & Decision Making; and
5. Mindset & Analytical Thinking. 5. Mindset & Analytical Thinking.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 127
Page 130
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Mengenai Kepemilikan Saham
Shareholding Information
Susunan kepemilikan saham Tugu Insurance pada awal The shareholding structure of Tugu Insurance at the
dan akhir tahun 2024, sesuai dengan catatan Biro beginning and end of 2024, as recorded by the Company’s
Administrasi Efek Perseroan, PT Dantindo Entrycom, Share Administration Bureau, PT Dantindo Entrycom, is
adalah sebagai berikut: as follows:
Komposisi Pemegang Saham Tugu dengan Kepemilikan Saham >5%
Composition of Tugu Shareholders with Share Ownership of >5%
2 Januari 2024 31 Desember 2024
2 January 2024 31 December 2024
Nama Pemegang Saham Kepemilikan Kepemilikan
Name of Shareholder Jumlah Saham Saham Jumlah Saham Saham
Total Shares Shareholding Total Shares Shareholding
(%) (%)
PT Pertamina (Persero) 2.080.000.000 58,50 2.080.000.000 58,50
UOB Kay Hian Pte. Ltd. 565.040.000 15,89 564.700.000 15,89
Samsung Fire and Marine Insurance Co. Ltd. 188.234.000 5,29 188.234.000 5,29
Pemegang Saham Lainnya (di bawah 5%) 722.301.600 20,32 722.641.600 20,32
Other shareholders (under 5%)
Jumlah 3.555.575.600 100,00 3.555.575.600 100,00
Total
Kepemilikan Saham Anggota Dewan Komisaris dan Direksi
Share Ownership of the Board of Commissioners and the Board of Directors
Kepemilikan Saham Kepemilikan Saham
pada 2 Januari 2024 pada 31 Desember 2024
Share Ownership as of 2 January 2024 Share Ownership as of 31 December 2024
Nama & Jabatan
Name and Position Kepemilikan Kepemilikan
Lembar Saham Saham Lembar Saham Saham
Number of Shares Shareholding Number of Shares Shareholding
(%) (%)
Dewan Komisaris
Board of Commissioners
Abdul Ghofar 0 0 0 0
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent
Commissioner
Bagus Agung Rahadiansyah 0 0 0 0
Komisaris
Commissioner
Samuel Ramna 0 0 0 0
Komisaris
Commissioner
Poerwo Tjahjono 0 0 0 0
Komisaris Independen
Independent Commissioner
Tajudin Noor 0 0 0 0
Komisaris Independen
Independent Commissioner
128 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Kepemilikan Saham Kepemilikan Saham
pada 2 Januari 2024 pada 31 Desember 2024
Share Ownership as of 2 January 2024 Share Ownership as of 31 December 2024
Nama & Jabatan
Name and Position Kepemilikan Kepemilikan
Lembar Saham Saham Lembar Saham Saham
Number of Shares Shareholding Number of Shares Shareholding
(%) (%)
Direksi
Board of Directors
Tatang Nurhidayat 132.000 0,0037 1.179.000 0,0332
Presiden Direktur
President Director
Emil Hakim 102.000 0,0029 755.600 0,0213
Direktur Keuangan & Layanan Korporat
Corporate Finance & Services Director
Ery Widiatmoko 0 0 603.600 0,0170
Direktur Pemasaran Asuransi
Insurance Marketing Director
Edi Yoga Prasetyo 0 0 580.600 0,0163
Direktur Kepatuhan & Manajemen Risiko
Compliance and Risk Management Director
Sudarlin 15.000 0,0004 615.900 0,0173
Direktur Teknik
Technical Director
Pemegang Saham Masyarakat dengan Kepemilikan Saham <5% (“Free Float”)
Public Shareholders with Share Ownership <5% (“Free Float”)
Kelompok pemegang saham masyarakat (“free float”), The public shareholder consists of shareholders, each
yaitu kelompok pemegang saham yang masing-masing owning less than 5% (five percent) of the Company (“free
memiliki kurang dari 5% (lima persen) saham Perseroan float”), consisting of:
yang mana terdiri dari:
Pemodal Nasional: National Investors:
1. Perorangan Indonesia; 1. Indonesian Individuals;
2. Dana Pensiun; 2. Pension Funds;
3. Asuransi; 3. Insurance;
4. Bank; 4. Bank;
5. Perseroan Terbatas; dan 5. Limited Company; end
6. Reksadana. 6. Mutual Funds.
Pemodal Asing: Foreign Investors:
1. Perorangan Asing; dan 1. Foreign Individuals; end
2. Badan Usaha Asing. 2. Foreign Institutions.
Kepemilikan Saham Kepemilikan Saham
pada 2 Januari 2024 pada 31 Desember 2024
Share Ownership as of 2 January 2024 Share Ownership as of 31 December 2024
Nama Pemegang Saham
Name of Shareholder Kepemilikan Kepemilikan
Lembar Saham Saham Lembar Saham Saham
Number of Shares Shareholding Number of Shares Shareholding
(%) (%)
Pemegang Saham Masyarakat dengan 722.052.600 20,31 718.906.900 20,22
Kepemilikan Saham <5% (“Free Float”)
Public Shareholders with Share Ownership <5%
(“Free Float”)
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 129
Page 132
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kepemilikan Saham Tidak Langsung Anggota Dewan Komisaris dan Direksi
Indirect Share Ownership of Members of Board of Commissioners and Directors
Di tahun 2024, seluruh anggota Direksi maupun Dewan In 2024, all members of the Board of Directors and Board
Komisaris Tugu Insurance tidak mempunyai kepemilikan of Commissioners of Tugu Insurance have no indirect
tidak langsung atas saham Tugu Insurance. ownership of Tugu Insurance’s shares.
Komposisi Pemegang Saham
Composition of Shareholders
Komposisi pemegang saham dan persentase kepemilikan Composition of shareholders and percentage of ownership
per akhir tahun buku 31 Desember 2024: as of end of fiscal year ending 31 December 2024:
31 Desember 2024
Kelompok Pemegang Saham 31 December 2024
Shareholder Group Jumlah Saham Kepemilikan Saham (%)
Total Shares Shareholding
Institusi Lokal 2.155.705.108 60,63%
Local Institutions
Institusi Asing 1.015.838.774 28,57%
Foreign Institutions
Individu Lokal 383.662.418 10,79%
Local Individual
Individu Asing 369.300 0,01%
Foreign Individual
Total 3.555.575.600 100%
130 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Informasi Mengenai
Pemegang Saham Utama/Pengendali
Information on Principal/Controlling Shareholders
Pemegang Saham Pengendali Tugu Insurance adalah PT The Controlling Shareholders of Tugu Insurance is PT
Pertamina (Persero) dengan kepemilikan sebesar 58,5%. Pertamina (Persero) with 58.5% ownership. Meanwhile, the
Sedangkan Pemerintah Republik Indonesia merupakan Government of the Republic of Indonesia is the ultimate
pemegang saham terakhir Perseroan. beneficial owner of the Company.
Pemerintah RI Melalui Kementerian BUMN
Indonesia Goverment throught Ministry of SOEs
PT Pertamina (Persero)
PT Asuransi Tugu Pratama Indonesia Tbk
Sekilas tentang PT Pertamina (Persero)
Overview of PT Pertamina (Persero)
PT Pertamina (Persero) adalah perusahaan energi nasional PT Pertamina (Persero) is a national energy company fully
yang sepenuhnya dimiliki oleh Pemerintah Republik owned by the Government of Indonesia, with the Ministry
Indonesia, dengan Kementerian Badan Usaha Milik of State-Owned Enterprises (BUMN) as its shareholder.
Negara (BUMN) sebagai pemegang saham. Pertamina Pertamina operates in the energy sector, focusing on oil
bergerak di sektor energi, khususnya minyak dan gas, and gas, as well as new and renewable energy. Additionally,
serta energi baru dan terbarukan. Selain itu, perusahaan it undertakes various activities related to or supporting
ini juga menjalankan berbagai kegiatan yang berkaitan its core operations in the energy industry, including the
dengan atau mendukung aktivitas bisnis utama di sektor development and optimization of the company’s resources.
energi, termasuk pengembangan dan optimalisasi sumber
daya perusahaan.
Alamat: Address:
Jl. Medan Merdeka Timur 1A, Jakarta 10110 Pada saat Jl. Medan Merdeka Timur 1A, Jakarta 10110 At the time
Laporan Tahunan 2023 ini disusun, informasi mengenai this 2023 Annual Report was prepared, the composition of
Dewan Komisaris dan Direksi PT Pertamina (Persero) the Board of Commissioners and Directors of PT Pertamina
adalah sebagai berikut: (Persero) was as follows:
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 131
Page 134
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dewan Komisaris: Board of Commissioners:
• Komisaris Jenderal Polisi (Purn.) Dr. Drs. H. Mochamad • Komisaris Jenderal Polisi (Purn.) Dr. Drs. H. Mochamad
Iriawan, S.H., M.M., M.H.: Komisaris Utama Iriawan, S.H., M.M., M.H.: President Commissioner
• Dony Oskaria, S.IP., M.B.A: Wakil Komisaris Utama • Dony Oskaria, S.IP., M.B.A: Vice President
• Heru Pambudi: Komisaris • Heru Pambudi: Commissioner
• Letjen TNI (Mar) (Purn) Bambang Suswantono, S.H., • Letjen TNI (Mar) (Purn) Bambang Suswantono, S.H.,
M.H., M.TR., (Han): Komisaris M.H., M.TR., (Han): Commissioner
• Komisaris Jenderal Polisi (Purn.) Drs. Condro Kirono, • Komisaris Jenderal Polisi (Purn.) Drs. Condro Kirono,
M.M., M.Hum: Komisaris Independen M.M., M.Hum: Independent Commissioner
• Alexander Lay: Komisaris Independen • Alexander Lay: Independent Commissioner
• Raden Adjeng Sondaryani, S.T: Komisaris Independen • Raden Adjeng Sondaryani, S.T: Independent
• Iggi H. Achsien: Komisaris Independen Commissioner
• Iggi H. Achsien: Independent Commissioner
Direksi: Board of Directors:
• Simon Aloysius Mantiri: Direktur Utama • Simon Aloysius Mantiri: President Director
• Wiko Migantoro: Wakil Direktur Utama • Wiko Migantoro: Deputy President Director
• Alfian Nasution: Direktur Logistik & Infrastruktur • Alfian Nasution: Director of Logistics & Infrastructure
• Emma Sri Martini: Direktur Keuangan • Emma Sri Martini: Director of Finance
• M. Erry Sugiharto: Direktur Sumber Daya Manusia • M. Erry Sugiharto: Director of Human Capital
• Erry Widiastono: Direktur Penunjang Bisnis • Erry Widiastono: Director of Corporate Services
• Atep Salyadi Dariah Saputra: Direktur Strategi, • Atep Salyadi Dariah Saputra: Director of Strategy,
Portofolio, dan Pengembangan Usaha Portfolio and New Ventures
• Ahmad Siddik Badruddin: Direktur Manajemen Risiko • Ahmad Siddik Badruddin: Director of Risk Management
132 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Struktur Grup Perusahaan
Company Group Structure
Per 31 Desember 2024, struktur grup Tugu Insurance The following chart details the structure of the Tugu
mulai dari entitas induk, entitas anak, hingga entitas Insurance group, including the parent entity, subsidiaries,
asosiasi yang dimiliki dapat dilihat sebagai berikut: associates, as of 31 December 2024:
99,99% 30,00% 14,83%
27,50% PT TUGU PRATAMA PT ASURANSI PT REASURANSI
INTERINDO SAMSUNG TUGU MAIPARK INDONESIA
72,50% 99,99% 99,90% 50,74%
PT SYNERGY RISK PT TUGU
TUGU INSURANCE PT PRATAMA
MANAGEMENT REASURANSI
COMPANY LIMITED MITRA SEJATI
CONSULTANS INDONESIA
Entitas Anak | Subsidiaries Entitas Asosiasi | Associates Penyertaan Langsung | Direct Participation
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 133
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Entitas Anak dan Entitas Asosiasi
Subsidiaries and Associates
Entitas Anak
Subsidiaries
Daftar dan Profil Entitas Anak Kepemilikan Langsung
List and Profile of Direct Subsidiary
Tahun Awal Jumlah Aset Sebelum
Perusahaan Kegiatan Kepemilikan (%) Eliminasi (dalam ribuan Rp) Status
Entitas Anak Bidang Usaha Domisili Komersil Ownership (%) Total Assets Before Elimination Operasi
Subsidiary Business Field Location Starting Year (In thousands IDR) Operational
Company of Commercial Status
Activities
2024 2023 2024 2023
PT Tugu Investasi saham Wisma Tugu II 1994 99,99 99,99 1.127.546.818 3.992.978.986 Beroperasi
Pratama Stock Lantai 8, Jalan Operating
Interindo Investment HR. Rasuna
(Interindo) Said Kav. C
7, Kuningan
Jakarta 12920.
Daftar dan Profil Entitas Anak Kepemilikan Tidak Langsung melalui Interindo
List and Profile of Indirect Subsidiaries through Interindo
Tahun Awal Jumlah Aset Sebelum
Perusahaan Kegiatan Eliminasi Status
Kepemilikan (%)
Entitas Anak Bidang Usaha Domisili Komersil (dalam ribuan Rp) Operasi
Ownership (%)
Subsidiary Business Field Location Starting Year Total Assets Before Elimination Operational
Company of Commercial (In thousands IDR) Status
Activities
2024 2023 2024 2023
PT Pratama Real Estate, Wisma Tugu 1990 99,99 99,99 2.764.174.694 2.475.050.589 Beroperasi
Mitra Sejati persewaan, Raden Operating
(“PMS”)* pengembangan Saleh, Jl.
dan jasa servis Raden Saleh
real estate, No. 44, Jakarta
perdagangan 10330
Real Estate,
rental,
development
and service real
estate, trading
PT Synergy Risk Manajemen Wisma Tugu II, 1995 99,90 99,90 53.761.521 62.352.335 Beroperasi
Management Risiko, Surveyor Lantai 4 Jl. Operating
Consultants dan Penilai HR. Rasuna
(“Synergy”) Risk Said, Kav. C7,
Management, Jakarta 12920
Surveyor and
Valuation
TRB (London) Broker dan Chase End, 1987 100,00 100,00 - 692.537 Tidak lagi
Limited Konsultan Cobbins Chase, beroperasi
(“TRB”)* Reasuransi Burnham on Not operating
Brokerage and Crouch, Essex
Reinsurance CM0 8QF,
Consultant England
134 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tahun Awal Jumlah Aset Sebelum
Perusahaan Kegiatan Eliminasi Status
Kepemilikan (%)
Entitas Anak Bidang Usaha Domisili Komersil (dalam ribuan Rp) Operasi
Ownership (%)
Subsidiary Business Field Location Starting Year Total Assets Before Elimination Operational
Company of Commercial (In thousands IDR) Status
Activities
2024 2023 2024 2023
Tugu Insurance Asuransi Umum 28/F United 1965 100,00 100,00 2.606.009.997 2.456.789.784 Beroperasi
Company General Asia Finance Operating
Limited (TIC)** Insurance Centre
333 Lockhart
Road, Wanchai,
Hong Kong
PT Tugu Reasuransi Wisma Tugure 1987 50,74 50,74 5.942.450.745 5.901.020.745 Beroperasi
Reasuransi Reinsurance Jl. Raden Saleh Operating
Indonesia No. 50, Jakarta
(TRI)* 10330.
*) Pemilikan tidak langsung melalui entitas anak, Interindo
**) Pemilikan tidak langsung melalui entitas anak, Interindo sebesar 72,5% dan pemilikan langsung sebesar 27,5%
*) Indirect ownership through subsidiary, Interindo
**) Indirect ownership through subsidiary, Interindo of 72.5% and direct ownership of 27.5%.
Entitas Asosiasi
Associate Entities
Daftar dan Profil Entitas Asosiasi Langsung
List and Profile of Direct Associates Entities
Tahun Awal
Perusahaan
Kegiatan Kepemilikan (%)
Entitas
Bidang Usaha Domisili Komersil Ownership (%) Status Operasi
Asosiasi
Business Field Location Starting Year Operational Status
Associates
of Commercial
Company
Activities
2024 2023
PT Asuransi Asuransi Umum AIA Central, 27th Floor, Jl. Jend. 1996 30,00 30,00 Beroperasi
Samsung Tugu General Sudirman, Kav. 48A, Jakarta 12930, Operating
Insurance Indonesia
Daftar dan Profil Penyertaan Langsung
List and Profile of Direct Participation
Tahun Awal
Perusahaan
Kegiatan Kepemilikan (%)
Entitas
Bidang Usaha Domisili Komersil Ownership (%) Status Operasi
Asosiasi
Business Field Location Starting Year Operational Status
Associates
of Commercial
Company
Activities
2024 2023
PT Reasuransi Reasuransi Multivision Tower lantai 8, Jl. Kuningan 2003 14,83 14,83 Beroperasi
Maipark Risiko Khusus Mulia Blok 9 B, Jakarta 12960 Operating
Indonesia Special Risk
Reinsurance
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 135
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Daftar dan Profil Entitas Asosiasi melalui Interindo
List and Profile of Associates through Interindo
Tahun Awal
Perusahaan
Kegiatan Kepemilikan (%)
Entitas
Bidang Usaha Domisili Komersil Ownership (%) Status Operasi
Asosiasi
Business Field Location Starting Year Operational Status
Associates
of Commercial
Company
Activities
2024* 2023
PT Asuransi Asuransi Umum Jl. Kebon Kacang Raya No.25 Lantai 1990 0,00 5,28 Beroperasi
Staco Mandiri General 3-4, Tanah Abang, Jakarta Pusat 10240 Operating
Insurance
* Tugu Insurance telah mendivestasikan seluruh kepemilikan saham di PT Asuransi Staco Mandiri pada 7 Agustus 2024
Tugu Insurance has divested its entire shareholding in PT Asuransi Staco Mandiri as of 7 August 2024
Kronologi Penerbitan dan/atau
Pencatatan Saham
Share Issuance and/or Share Listing Chronology
Penawaran Perdana Saham
Initial Public Offering
Pada 17 Mei 2018, Tugu Insurance memperoleh On 17 May 2018, Tugu Insurance received approval from
pernyataan efektif dari Otoritas Jasa Keuangan (OJK) the Financial Services Authority (OJK) through letter No.
melalui surat No. S50/D.04/2018 untuk melakukan S50/D.04/2018 to carry out an Initial Public Offering
Penawaran Umum Perdana (IPO) sebanyak 177.777.800 (IPO) of 177,777,800 shares, each with a nominal value
saham dengan nilai nominal IDR100 per saham dan harga of IDR100 and an initial price of IDR3,850 per share. The
perdana Rp3.850 per saham. Saham Perseroan resmi Company’s shares were officially listed on the Indonesia
tercatat di Bursa Efek Indonesia dengan kode saham Stock Exchange under the ticker “TUGU” on 28 May 2018.
"TUGU" pada 28 Mei 2018. Per 31 Desember 2018, By 31 December 2018, all of the Company’s shares were
seluruh saham Perseroan telah tercatat di Bursa Efek listed on the IDX.
Indonesia (BEI).
Kronologis Pencatatan Saham dan Perubahan Jumlah Saham
Chronology of Stock Listing and Changes in Number of Share
Nilai Nominal Per
Tahun Aksi Korporasi Jumlah Saham Lembar Modal Disetor
Year Corporate Action Total Shares Nominal Value per Paid-in Capital
Share
2018 Penawaran Perdana
• Saham Pendiri 1.600.000.000 Rp100 Rp160.000.000.000
• Penawaran Umum Perdana Saham 177.777.800 Rp100 Rp17.777.780.000
Total Pencatatan Saham di BEI 1.777.777.800 Rp177.777.780.000
Initial Offering
• Founder’s Shares
• Initial Public Offering Total
Listing on IDX
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Audited Report
Nilai Nominal Per
Tahun Aksi Korporasi Jumlah Saham Lembar Modal Disetor
Year Corporate Action Total Shares Nominal Value per Paid-in Capital
Share
2022 Hasil Pelaksanaan Opsi MESOP Tahap 3 tanggal 10.000 Rp100 Rp1.000.000
20 September 2022
Implementation Result of MESOP Option Phase
3 dated 20 September 2022
Total Pencatatan Saham di BEI 1.777.787.800 Rp177.778.780.000
Total Stock Listing on the IDX
2023 Melakukan Stock Split pada tanggal 24 Mei 3.555.575.600 Rp50 Rp177.778.780.000
2023 dengan rasio 1:2
Conduct Stock Split on 24 May 2023, with a
ratio of 1:2
Kronologi Penerbitan dan/atau
Pencatatan Efek Lainnya
Chronology of The Issuance and/or
The Listing of Other Securities
Per 31 Desember 2024, Tugu Insurance belum As of 31 December 2024, Tugu Insurance has not issued
menerbitkan sekuritas selain yang telah dijelaskan dalam any securities other than those outlined in the Stock
Kronologi Penerbitan dan Pencatatan Saham di atas. Issuance and Listing Chronology above. Therefore, there
Dengan demikian, tidak ada informasi mengenai sekuritas is no information available regarding other securities,
lain, tahun penerbitannya, tingkat bunga/imbal hasil, including their year of issuance, interest rate/return,
tanggal jatuh tempo, nilai penawaran, nama bursa tempat maturity date, offering value, exchange listing, or
tercatat, maupun peringkat sekuritas tersebut. security ratings.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Mengenai Kantor
Akuntan Publik dan Akuntan Publik
Information Regarding Public Accountant Firm and
Public Accountant
Nama KAP Kantor Akuntan Publik (KAP) Amir Abadi Jusuf, Aryanto, Mawar & Rekan.
Name of PAF Public Accounting Firm (KAP) Amir Abadi Jusuf, Aryanto, Mawar & Partners.
Alamat Plaza Asia Level 10
Address Jl. Jendral Sudirman Kav.59, Jakarta 12190.
Nama Akuntan Publik Chairul Wismoyo
Name of Public Accountant
Jasa yang Diberikan Jasa Audit atas Laporan Keuangan
Service Provided Audit Services for Financial Statements
Periode Penugasan 10 September 2024 s.d 30 April 2025
Service Period 10 September 2024 to 30 April 2025
Biaya Jasa (Fee) Audit Rp1.538.392.857,00
Audit Fee IDR1,538,392,857.00
Biaya Jasa (Fee) Non-Audit -
Non-Audit Fee
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Lembaga dan/atau Profesi
Penunjang Pasar Modal Lainnya
Other Capital Market Supporting Institutions and/or Professions
Biro Administrasi Efek (BAE) Konsultan Hukum
Share Registrar Legal Consultant
Nama PT Datindo Entrycom Nama Konsultan Nurjadin Sumono Mulyadi &
Name Hukum Partners
Name of Legal
Consultant
Alamat Jl. Hayam Wuruk No. 28
Address Jakarta Pusat 10120
Alamat Gedung Bursa Efek Indonesia,
Address Tower 1, Lantai 26/26th Floor
Jl. Jend. Sudirman Kav 52-53
Jakarta 12190, Indonesia
Telp: + 62 21 515 1788
Fax: + 62 21 515 0880
Notaris
Notary
Nama Notaris Jose Dima Satria SH., M.Kn.,
Notary Name Kantor Jasa Penilai Publik (KJPP)
Registered Public Appraiser
Alamat Komplek Taman Gandaria
Address No. 11 A, RT.8/RW.3
Gandaria Selatan, Cilandak,
Nama KJPP Ruky, Safrudin & Rekan
Jakarta 12420
Name of Legal Ruky, Safrudin & Partners
Telp/Fax: (62 21) 29125500
Consultant
Email: jose@josedima99.com/
josedima99@gmail.com
Alamat Perkantoran Gedung Gajah Blok H,
Address Jl. Dr. Saharjo No. 111,
Kelurahan Tebet Barat,
Nama Notaris Mala Mukti SH, LL.M Kecamatan Tebet,
Notary Name Jakarta Selatan 12810
Alamat AXA Tower Lantai 27 Suite 06,
Address JL. Prof. Dr. Satrio,
Kavling 18.
Kuningan - Kota Jakarta Selatan,
Daerah Khusus Ibukota Jakarta
12940
Telp/Fax: (62 21) 30056229
Email: malamukti@cbn.net.id
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04
Analisis dan
Pembahasan
Manajemen
Management Discussion and Analysis
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Makroekonomi
Macroeconomic Review
Risiko Ketidakpastian Liputi Perekonomian Global
Global Economic Uncertainty Prevailed
Berlanjutnya konflik geopolitik masih menjadi tema The continuation of geopolitical conflicts remained a
utama tahun 2024. Perang antara Rusia dan Ukraina dominant theme in 2024. The ongoing war between Russia
yang tak kunjung usai diperparah dengan serangan and Ukraine, compounded by Israel’s attacks on Palestine,
Israel ke Palestina. Tingginya tensi geopolitik menjadi heightened geopolitical tensions, posing a significant
ancaman terbesar bagi rantai pasok global. Dinamika threat to global supply chains. The rapidly changing
perekonomian global yang berubah cepat disertai dengan dynamics of the global economy, coupled with rising
tingginya ketidakpastian membuat prospek ekonomi di uncertainty, slowed down economic growth prospects for
2024 tumbuh melambat. International Monetary Fund 2024. The International Monetary Fund (IMF), in its World
(IMF) dalam laporan World Economic Outlook (WEO) Economic Outlook (WEO) report, projected global GDP
memperkirakan pertumbuhan Produk Domestik Bruto growth to decelerate to 3.2% in 2024, compared to 3.3%
(PDB) dunia di 2024 tumbuh melambat menjadi 3,2% dari in the previous year.
tahun sebelumnya 3,3%.
Pasar Keuangan Bergerak Volatil
Volatile Financial Markets
Sejalan dengan tren perlambatan inflasi serta ancaman In line with the trend of easing inflation and the looming
perlambatan ekonomi global, bank sentral dari berbagai threat of a global economic slowdown, central banks
belahan dunia mengambil kebijakan akomodatif dengan worldwide adopted accommodative policies by reducing
memangkas suku bunga acuan. The Federal Reserve’s benchmark interest rates. The Federal Reserve (The Fed)
Bank (The Fed) sejak September 2024 telah memangkas cut the Federal Funds Rate (FFR) by 100 basis points
suku bunga acuan Federal Fund Rates (FFR) sebesar starting in September 2024. This monetary policy easing
100 bps. Pelonggaran kebijakan moneter ini membawa brought positive developments to global financial markets.
perkembangan positif pada pasar keuangan dunia. Indeks The U.S. Dollar Index (DXY), which stood at around 105
dolar AS terhadap mata uang dunia (DXY) yang pada awal at the beginning of 2024, declined to approximately 101
2024 mencapai sekitar 105 bergerak turun ke area sekitar by September 2024. However, the results of the U.S.
101 pada September 2024. Namun hasil Pemilihan Umum presidential election and the continuation of conflicts
AS dan berlanjutnya konflik di Timur Tengah membuat dolar in the Middle East strengthened the U.S. dollar once
AS kembali menguat. Demikian pula dengan imbal hasil again. Similarly, U.S. Treasury yields, which had previously
Surat Utang AS yang sebelumnya menurun sejalan dengan decreased in line with the FFR, rose across all maturities.
FFR kembali naik untuk semua tenor.
Sentimen Global Pengaruhi Kinerja Pasar Keuangan Domestik
Global Sentiment Influenced Domestic Financial Markets
Volatilitas di pasar keuangan global turut menjadi Volatility in global financial markets also impacted
sentimen yang berpengaruh ke pasar keuangan Indonesia. Indonesia’s financial markets. The Jakarta Composite
Indeks Harga Saham Gabungan (IHSG) menutup tahun Index (JCI) closed 2024 with a negative performance
2024 dengan kinerja negatif 2,65% dan ditutup di of -2.65%, ending at 7,079.91 points on 30 December
7.079,91 poin pada 30 Desember 2024. Imbal hasil Surat 2024. The yield on Indonesia’s 10-year government bonds
Utang Negara tenor 10 tahun juga mengalami peningkatan also increased, closing the year above 7%. Meanwhile,
dan ditutup di atas 7% di 2024. Nilai tukar Rupiah yang the Rupiah exchange rate, as reflected by the JISDOR
tercermin dari kurs JISDOR ditutup di Rp16.157/USD per benchmark, depreciated by 4.4% to IDR16,157/USD as
31 Desember 2024 atau melemah 4,4% dibandingkan of 31 December 2024, compared to the start of the year.
dengan awal tahun. Tren depresiasi nilai tukar tersebut This depreciation trend prompted Bank Indonesia to focus
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Audited Report
juga membuat Bank Indonesia harus fokus pada kebijakan on stabilization policies, maintaining its BI 7-Day Reverse
stabilisasi sehingga mempertahankan suku bunga acuan Repo Rate at 6.00%.
BI 7 Day Reverse Repo Rate di 6,00%.
Aktivitas Penggalangan Dana Tetap Tumbuh Solid
di Tengah Dinamika Pasar Keuangan Global
Robust Fundraising Activity Amid Global Market Dynamics
Meskipun risiko volatilitas tinggi, aktivitas penggalangan Despite heightened volatility, fundraising activities in
dana baik di pasar saham maupun pasar obligasi both the equity and bond markets in Indonesia remained
domestik tetap solid. Otoritas Jasa Keuangan (OJK) robust. The Financial Services Authority (OJK) reported
mencatat, di sepanjang 2024 total penghimpunan dana that total capital raised in the domestic capital market
di pasar modal mencapai Rp259,2 triliun yang meliputi throughout 2024 reached IDR259.2 trillion, encompassing
penerbitan saham maupun Efek Bersifat Utang dan Sukuk the issuance of stocks and debt securities, including
(EBUS). Meskipun IHSG mencatatkan kinerja negatif, sukuk. Despite the JCI recorded negative performance,
akan tetapi nilai kapitalisasi pasar tembus Rp12,33 market capitalization grew by 5.7% from the beginning
ribu triliun atau tumbuh 5,7% sejak awal tahun. Hal ini of the year, reaching IDR12.33 trillion. This reflected
mencerminkan antusiasme pelaku usaha maupun investor sustained enthusiasm from businesses and investors
yang masih tinggi di tengah berbagai risiko ketidakpastian despite prevailing uncertainties.
yang dihadapi.
Ekonomi Indonesia Tumbuh Solid dan Berdaya Tahan Tinggi pada 2024
Indonesia’s Economy Remained Resilient and Solid in 2024
Badan Pusat Statistik (BPS) mencatat, pertumbuhan The Central Statistics Agency (BPS) reported Indonesia’s
PDB Indonesia berada di angka 5,03% pada 2024. Hal GDP growth at 5.03% in 2024. This demonstrated the
ini menunjukkan bahwa ekonomi Indonesia mampu country’s ability to sustain growth momentum in line
mempertahankan momentum pertumbuhan sejalan with its historical trends, despite various challenges.
dengan tren historisnya di tengah berbagai tantangan Indonesia’s GDP, in terms of expenditure, remained
yang dihadapi. PDB Indonesia menurut pengeluaran primarily driven by household consumption, which
masih ditopang oleh konsumsi rumah tangga yang contributed 54.04%, followed by investment or Gross
memberikan andil 54,04% dan disusul oleh investasi atau Fixed Capital Formation (GFCF), which accounted for
Pembentukan Modal Tetap Bruto (PMTB) yang berkontribusi 29.15%. Meanwhile, despite the weakening of commodity
sebesar 29,15%. Di sisi lain, meskipun harga komoditas prices, exports continued to serve as a strong pillar of the
mengalami pelemahan, ekspor Indonesia juga masih economy. The electoral activities, including the General
menjadi penopang kuat ekonomi. Aktivitas Pemilu dan and Regional Elections held in 2024, also spurred growth
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pilkada yang berlangsung di tahun 2024 juga turut in the consumption of Non-Profit Institutions Serving
mendorong pertumbuhan Konsumsi Lembaga Non-Profit Households (NPISH), which expanded by 12.48%.
yang melayani Rumah Tangga (LNPRT) sebesar 12,48%.
Sementara itu dari sisi lapangan usaha, industri From the business sector perspective, the manufacturing
pengolahan masih menjadi kontributor terbesar bagi industry remained the largest contributor to Indonesia’s
perekonomian Indonesia dengan andil 18,98% yang economy, accounting for 18.98%, followed by trade
kemudian disusul oleh perdagangan (13,07%), pertanian (13.07%), agriculture (12.61%), construction (10.09%), and
(12,61%), konstruksi (10,09%) serta pertambangan mining (9.15%). Synergized policies among government
(9,15%). Sinergi kebijakan antar lembaga negara, transisi institutions, a smooth transition to a new administration,
pemerintahan baru yang berjalan lancar, serta perbaikan improvements in the investment climate, and strategic
iklim investasi hingga kebijakan strategis hilirisasi mampu downstream initiatives all contributed to maintaining
mempertahankan momentum pertumbuhan di tengah tren growth momentum amid declining commodity prices.
pelemahan harga komoditas.
Prospek Ekonomi di 2025 Masih Menantang
Challenging Economic Prospects in 2025
Terpilihnya Donald Trump sebagai Presiden ke-47 AS The election of Donald Trump as the 47th President of the
menjadi cermatan semua pihak di 2025. Kebijakan United States draws significant attention in 2025. The
proteksionis AS terutama terkait tarif yang berdampak ke U.S. administration’s protectionist policies, particularly
sejumlah negara seperti Tiongkok, Eropa, Meksiko, Jepang regarding tariffs impacting countries like China, Europe,
dan Vietnam kembali memicu volatilitas di pasar keuangan Mexico, Japan, and Vietnam, reignite financial market
serta ketidakpastian perdagangan internasional maupun volatility and heighten uncertainty in international trade
arus investasi. Tentu hal ini akan menjadi cermatan bagi and investment flows. This is undoubtedly a critical focus
pemangku kebijakan, pelaku usaha hingga investor di for policymakers, businesses, and investors in 2025. The
2025. IMF memperkirakan pertumbuhan ekonomi global IMF forecasts global economic growth to slow further to
di tahun 2025 melambat menjadi 3,1%. Sementara itu, 3.1% in 2025. Meanwhile, Bank Indonesia projects the
Bank Indonesia memperkirakan ekonomi Indonesia dapat Indonesian economy to grow within the range of 4.8%-
tumbuh di kisaran 4,8-5,6% di 2025 yang didukung dengan 5.6% in 2025, supported by a robust mix of policies and
bauran kebijakan serta sinergi yang kuat. strong synergies.
Macroeconomics Indicators
2025* 2024 2023 2022
Macroeconomics Indicators
Pertumbuhan PDB Global (%) 3,1 3,2 3,3 3,5
Global GDP Growth (%)
Pertumbuhan PDB Indonesia (%) 4,8-5,6 5,0 5,1 5,3
Indonesia GDP Growth (%)
Pertumbuhan PDB Lapangan Usaha Jasa Keuangan dan Asuransi Indonesia (%) 6,6-7,4 4,7 4,8 1,9
Indonesia's Financial Services & Insurance Sector GDP Growth (%)
Laju Inflasi Tahunan Indonesia (%) 1,5-3,5 1,6 2,6 5,5
Indonesia's Annual Inflation Rate (%)
Suku Bunga Acuan Indonesia/BI 7 DRRR (%) 5,0-5,25 6,0 6,0 5,5
Indonesia's Benchmark Interest Rate/BI 7 DRRR (%)
Sumber : BPS, IMF, PTBI, Bloomberg
Source : BPS, IMF, PTBI, Bloomberg
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Tinjauan Industri
Industry Review
Sektor asuransi umum di Indonesia pada akhir tahun General Insurance Sector in Indonesia in Late 2024
2024 menunjukkan perkembangan yang stabil dan sehat, Showed Stable and Healthy Development Despite
meskipun terdapat tantangan dari situasi perekonomian Economic Challenges
global dan domestik.
Aset Asuransi Umum dan Reasuransi Terus Bertumbuh
Insurance Industry Assets Continued to Grow
Berdasarkan data Statistik Asuransi Otoritas Jasa According to the Insurance Statistics of the Financial
Keuangan (OJK) per 31 Desember 2024, total aset Services Authority (OJK) as of 31 December 2024, the
industri asuransi umum dan reasuransi mencapai Rp282 total assets of the general insurance and reinsurance
triliun atau tumbuh 8,3% dibandingkan dengan tahun industry reached IDR282 trillion, reflecting an 8.3% growth
sebelumnya. Tren positif pertumbuhan aset asuransi compared to the previous year. This positive trend in asset
umum dan reasuransi ini terjaga dalam 5 tahun terakhir. growth for the general insurance and reinsurance industry
Pertumbuhan aset industri asuransi umum dan reasuransi had been sustained over the past five years. The industry’s
juga ditopang oleh pertumbuhan aset investasi yang asset expansion was also supported by the growth of
mencapai Rp141 triliun per akhir Desember 2024 atau investment assets, which amounted to IDR141 trillion by
tumbuh 5,9% dibandingkan dengan tahun sebelumnya. the end of December 2024, marking a 5.9% increase from
the previous year.
Total Aset Industri Asuransi Indonesia (Rp triliun)
Indonesia’s Insurance Industry Total Assets (IDR trillion)
Sumber : OJK
Source : OJK 282
260
231
212
194
2020 2021 2022 2023 2024
Aset Investasi Industri Asuransi Indonesia (Rp triliun)
Indonesia’s Insurance Industry Investment Assets (IDR trillion)
Sumber : OJK
Source : OJK 141
133
111
104
97
2020 2021 2022 2023 2024
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Premi Bruto Industri Asuransi Umum dan Reasuransi Tumbuh Stabil
General Insurance and Reinsurance Gross Premiums Showed Steady Growth
Nilai premi bruto yang dihimpun oleh industri asuransi The premium collected by the general insurance and
umum dan reasuransi per akhir Desember 2024 tercatat reinsurance industries as of December 2024 reached
sebesar Rp144 triliun, yang menunjukkan kenaikan IDR144 trillion, reflecting an increase of 3.7% compared
sebesar 3,7% dibandingkan dengan periode yang sama to the same period in 2023. The primary drivers of growth
pada tahun 2023. Penopang utama pertumbuhan premi in general and reinsurance premiums remain the property
asuransi umum dan reasuransi masih berasal dari and credit insurance sectors. On the other hand, the
sektor properti dan asuransi kredit. Di sisi lain, sektor general insurance and reinsurance sectors continued to
asuransi umum dan reasuransi terus tumbuh meskipun grow despite challenges stemming from domestic and
ada tantangan dari ketidakpastian ekonomi domestik dan global economic uncertainties. This increase can be
global. Peningkatan ini dapat dipahami sebagai respons seen as a response to the growing demand for financial
terhadap kebutuhan masyarakat akan perlindungan protection, both for assets and health, which has become
finansial, baik untuk aset maupun kesehatan, yang increasingly critical amidst various emerging risks.
semakin penting di tengah berbagai risiko yang muncul.
Nilai Premi Bruto Tercatat Industri Asuransi Umum dan Reasuransi Indonesia (Rp triliun)
Gross Premium Collected by Indonesia’s General and Reinsurance Industry (IDR trillion)
Sumber : OJK 144
Source : OJK 139
114
104 100
2020 2021 2022 2023 2024
Pertumbuhan Premi Bruto Asuransi Umum dan
Reasuransi di Tengah Dinamika Industri
Growth of General Insurance and Reinsurance Gross Premiums Amid Industry Dynamics
Dinamika industri terutama properti, kendaraan bermotor, Industry dynamics, particularly in the property, automotive,
perbankan hingga energi turut berpengaruh terhadap banking, and energy sectors, had a significant impact
perolehan premi asuransi umum dan reasuransi seiring on the acquisition of general insurance and reinsurance
dengan kontribusinya yang mencapai lebih dari 50%. premiums as these sectors contributed more than 50%
Capaian positif pertumbuhan premi bruto di tengah kondisi of gross premiums. The positive achievement of gross
yang menantang untuk keempat sektor tersebut tidak premium growth amid challenging conditions in these four
hanya patut diapresiasi tetapi juga menunjukkan peran sectors was not only commendable but also underscored
asuransi dan reasuransi yang strategis dalam manajemen the strategic role of insurance and reinsurance in risk
risiko. Berikut adalah ringkasan perkembangan empat management. Below is a summary of developments in
sektor penopang industri asuransi umum dan reasuransi the four key sectors supporting the general insurance and
di 2024. reinsurance industry in 2024.
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Audited Report
Perkembangan Sektor Properti Developments in the Property Sector
A. Komersial A. Commercial Segment
Kinerja sektor properti komersial yang mencakup The performance of the commercial property sector,
segmen perkantoran, ritel, apartemen, hotel, lahan which encompassed office spaces, retail, apartments,
industri, convention hall dan warehouse complex hotels, industrial land, convention halls, and warehouse
dipengaruhi oleh tiga faktor utama yaitu permintaan, complexes, was influenced by three main factors:
pasokan serta harga. Bank Indonesia (BI) dalam demand, supply, and pricing. Bank Indonesia (BI), in its
Perkembangan Properti Komersial (PPKOM) melaporkan Commercial Property Developments (PPKOM) report,
Indeks Permintaan Properti Komersial untuk kategori stated that the Commercial Property Demand Index
sewa pada kuartal IV-2024 tumbuh 2,84% secara for rental properties grew by 2.84% year-on-year in Q4-
tahunan. Sementara itu, Indeks Permintaan Properti 2024. Meanwhile, the Commercial Property Demand
Komersial untuk kategori jual tumbuh 0,35% pada Index for sale properties registered a moderate growth
kuartal IV-2024. of 0.35% in the same period.
Kemudian dari sisi pasokan, Indeks Pasokan Properti From the supply side, the Commercial Property Supply
Komersial kategori sewa pada kuartal IV-2024 tumbuh Index for rental properties increased by 2.89% in Q4-
2,89% dari periode yang sama tahun sebelumnya. 2024 compared to the same period in the previous
Sementara pada periode yang sama, Indeks Pasokan year. Meanwhile, the Commercial Property Supply Index
Properti Komersial kategori jual tumbuh relatif stabil for sale properties remained relatively stable, recording
0,11% dari tahun sebelumnya. a slight growth of 0.11% year-on-year.
Selain permintaan dan penawaran yang masih tumbuh, In addition to the continued growth in demand and
Indeks Harga Properti Komersial untuk kategori sewa supply, the Commercial Property Price Index for
dan jual pada kuartal IV-2024 dilaporkan meningkat both rental and sale categories experienced limited
terbatas masing-masing 0,93% dan 0,19% dibanding increases of 0.93% and 0.19%, respectively, in Q4-
tahun sebelumnya. 2024 compared to the previous year.
Pertumbuhan Tahunan Indeks Permintaan Properti Komersial Bank Indonesia
Annual Growth of Bank Indonesia’s Commercial Property Demand Index
Sewa Rental [LHS] Jual Sale [RHS]
1,9 2,8
% YoY
0,3 0,3
1Q20 4Q20 3Q21 2Q22 1Q23 4Q23 3Q24
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pertumbuhan Tahunan Indeks Pasokan Properti Komersial Bank Indonesia
Annual Growth of Bank Indonesia’s Commercial Property Supply Index
Sewa Rental [LHS] Jual Sale [RHS]
2,9
% YoY
1,3 0,1
0,0
1Q20 4Q20 3Q21 2Q22 1Q23 4Q23 3Q24
Pertumbuhan Tahunan Indeks Harga Properti Komersial Bank Indonesia
Annual Growth of Bank Indonesia’s Commercial Property Price Index
Sewa Rental [LHS] Jual Sale [RHS]
0,6
% YoY
0,9
2,0
0,2
1Q20 4Q20 3Q21 2Q22 1Q23 4Q23 3Q24
B. Residensial B. Residential
Survei Harga Properti Residensial (SHPR) Bank Bank Indonesia’s (BI) Residential Property Price Survey
Indonesia (BI) menunjukkan sektor properti residensial (SHPR) indicated that the residential property sector
masih menghadapi tantangan. Hal ini tercermin continued to face challenges. This was reflected in both
dari kondisi harga serta volume penjualan. Indeks price conditions and sales volume. The Residential
Harga Properti Residensial (IHPR) pada kuartal Property Price Index (IHPR) in Q4-2024 recorded limited
IV-2024 tumbuh terbatas 1,39% dari periode yang growth of 1.39% compared to the same period in the
sama tahun sebelumnya. Dari sisi penjualan, survei previous year.In terms of sales, BI’s survey showed
BI menunjukkan pertumbuhan penjualan properti that residential property sales in Indonesia contracted
residensial di Indonesia tercatat kontraksi 15,09% by 15.09% year-on-year. This contraction was primarily
dibandingkan dengan tahun sebelumnya. Kontraksi observed in the sales of small and medium-sized
tersebut terutama dialami segmen pennjualan rumah houses, while sales of large houses experienced
tipe kecil dan menengah di tengah kenaikan penjualan an increase.
rumah tipe besar.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Berdasarkan indikator-indikator di atas, baik segmen Based on these indicators, both the commercial and
komersial maupun residensial menunjukkan jika sektor residential segments demonstrated that the domestic
properti domestik menghadapi tahun yang menantang property sector faced a challenging year in 2024,
di 2024 terutama di tengah risiko global serta masih particularly amid global risks and persistently high
tingginya suku bunga acuan. Namun demikian, premi benchmark interest rates. Nevertheless, premiums
yang tercatat dari segmen properti masih tetap tumbuh recorded from the property segment continued to
solid. Hal ini mengindikasikan bahwa kebutuhan akan grow solidly. This indicated that the demand for asset
proteksi aset berharga seperti rumah meningkat. protection, such as home insurance, had increased.
Pertumbuhan Tahunan Indeks Harga Properti Residensial vs Penjualan
Annual Growth of Residential Property Price Index vs Sales
IHPR Growth [LHS] Sales Growth [RHS]
% YoY
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24
Perkembangan Sektor Kendaraan Bermotor Development of the Motor Vehicle Sector
Selain segmen properti, segmen kendaraan bermotor Apart from the property segment, the motor vehicle
juga memberikan andil besar terhadap premi asuransi segment also played a significant role in contributing
umum. Kontribusi segmen kendaraan bermotor terhadap to general insurance premiums. In 2024, this segment
premi asuransi umum di tahun 2024 hampir 20%. Namun accounted for nearly 20% of total general insurance
sektor ini juga tak luput menghadapi berbagai tantangan di premiums. However, the sector faced several challenges
sepanjang 2024. throughout the year.
A. Sepeda Motor A. Motorcycles
Asosiasi Industri Sepeda Motor Indonesia (AISI) The Indonesian Motorcycle Industry Association (AISI)
mencatat distribusi kendaraan roda dua domestik pada recorded that domestic two-wheeler distribution in
2024 mencapai 6,3 juta unit atau tumbuh stabil 1,54% 2024 reached 6.3 million units, reflecting a stable
dibandingkan dengan tahun sebelumnya. growth of 1.54% compared to the previous year.
B. Mobil B. Cars
Gabungan Industri Kendaraan Bermotor Indonesia The Association of Indonesian Automotive Industries
(GAIKINDO) melaporkan penjualan mobil domestik di (GAIKINDO) reported that domestic car sales in 2024
tahun 2024 mengalami kontraksi 13,93% dibanding contracted by 13.93% compared to the previous year.
tahun sebelumnya. Total mobil yang terjual mencapai Total car sales reached 866 thousand units, falling
866 ribu unit atau di bawah target 1 juta unit. short of the 1 million-unit target.
Dinamika perkembangan industri kendaraan bermotor The dynamics of the motor vehicle industry’s
tersebut turut mempengaruhi perolehan premi asuransi development influenced the acquisition of general
umum dan asuransi yang relatif stabil di tahun 2024. insurance premiums, which remained relatively stable
throughout 2024.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Distribusi Sepeda Motor Domestik (Juta Unit)
Domestic Motorcycle Distribution (Million Units)
6,49 6,33
6,24
5,06 5,22
3,66
2019 2020 2021 2022 2023 2024
Penjualan Mobil Domestik (Juta Unit)
Domestic Car Sales Distribution (Million Units)
1,03 1,05
1,01
0,89 0,87
0,53
2019 2020 2021 2022 2023 2024
Perkembangan Sektor Perbankan Banking Sector Developments
Segmen asuransi kredit juga memiliki kontribusi yang The credit insurance segment also made a significant
besar terhadap perolehan premi asuransi umum maupun contribution to the premium income of both general
reasuransi. Data OJK menunjukkan bahwa kondisi insurance and reinsurance. Data from the Financial
perbankan Indonesia pada 2024 masih tetap solid Services Authority (OJK) indicated that Indonesia’s banking
dari sisi intermediasi, permodalan, profitabilitas dan sector remained solid in 2024 in terms of intermediation,
profil risiko. capitalization, profitability, and risk profile.
A. Intermediasi Perbankan A. Banking Intermediation
Per akhir Desember 2024, pertumbuhan kredit As of the end of December 2024, bank loan growth
perbankan mencapai 10,39% dibandingkan tahun reached 10.39% compared to the previous year. The
sebelumnya. Pertumbuhan tertinggi tercatat pada highest growth was recorded in investment loan, which
kredit investasi yang tumbuh 13,62% dari tahun increased by 13.62% year-on-year. Despite the double-
sebelumnya. Meskipun kredit tumbuh dobel digit, digit credit growth, Third-Party Funds (DPK) grew at
pertumbuhan Dana Pihak Ketiga (DPK) tumbuh lebih a slower rate of 4.48% from the previous year. This
rendah dengan laju 4,48% dari tahun sebelumnya. Hal resulted in an increase in the Loan-to-Deposit Ratio
ini menyebabkan peningkatan rasio Loan to Deposit (LDR), which reached 88.57%. Nevertheless, liquidity in
(LDR) yang mencapai 88,57%. Namun demikian, the banking sector remained in good condition.
likuiditas di sektor perbankan masih tergolong baik.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
B. Permodalan B. Capitalization
Dari sisi permodalan, rasio kecukupan modal (Capital In terms of capitalization, the industry’s Capital
Adequacy Ratio/CAR) industri berada di 26,69% per Adequacy Ratio (CAR) stood at 26.69% as of the end of
akhir Desember 2024. Hal ini menunjukkan bahwa December 2024. This indicated that domestic banking
permodalan perbankan domestik tetap solid. capitalization remained solid.
C. Profitabilitas C. Profitability
Masih tetap tingginya suku bunga acuan membuat The persistently high benchmark interest rates led to
Marjin Bunga Bersih (NIM) perbankan tergerus. OJK a decline in the banking sector’s Net Interest Margin
melaporkan posisi NIM perbankan berada di 4,62% per (NIM). OJK reported that the banking NIM stood at
akhir Desember 2024 atau mengalami penurunan 19 4.62% as of the end of December 2024, marking a
basis poin (bps) dibanding tahun sebelumnya. decrease of 19 basis points (bps) compared to the
previous year.
D. Profil Risiko D. Risk Profile
Berbagai indikator risiko seperti rasio kredit macet Various risk indicators, such as the Non-Performing
(NPL) serta rasio kredit berisiko (LaR) perbankan Loan (NPL) ratio and the Loan at Risk (LaR) ratio,
nasional menunjukkan penurunan dan tetap terjaga showed improvements and remained well-managed.
baik. Rasio NPL industri perbankan nasional per akhir The banking industry’s NPL ratio stood at 2.08% as of
Desember 2024 berada di 2,08% atau turun 11 bps the end of December 2024, down by 11 bps from the
dari tahun sebelumnya. Sementara itu, di waktu yang previous year. Meanwhile, during the same period, the
sama, LaR berada di 9,28% atau turun lebih dalam LaR ratio declined more significantly, reaching 9.28%, a
sebesar 166 bps dari tahun sebelumnya. decrease of 166 bps from the previous year.
Secara keseluruhan, industri perbankan Indonesia Overall, Indonesia’s banking industry remained in a
dalam kondisi baik dan solid. Fokus pengelolaan risiko stable and solid condition. Credit risk management was
kredit dilakukan secara berhati-hati dengan memastikan carried out prudently by ensuring adequate provisioning
pencadangan yang mencukupi serta menerapkan and implementing risk-sharing mechanisms, including
mekanisme risk sharing salah satunya melalui asuransi. through insurance.
Indikator Perbankan Indonesia (%)
Indonesia Banking Indicators (%)
Indikator Desember 2023 Desember 2024
Indicators December 2023 December 2024
Intermediasi
Intermediary
Pertumbuhan Kredit 10,38 10,39
Loan Growth
Pertumbuhan Kredit Modal Kerja 10,05 8,35
Working Capital Loan Growth
Pertumbuhan Kredit Investasi 12,26 13,62
Investment Loan Growth
Pertumbuhan Kredit Konsumsi 9,10 10,61
Consumption Loan Growth
Pertumbuhan Dana Pihak Ketiga 3,73 4,48
Third Party Fund Growth
LDR 83,83 88,57
Permodalan
Capital
CAR 27,65 26,69
Profitabilitas
Profitability
NIM 4,81 4,62
ROA 2,74 2,69
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 151
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Indikator Desember 2023 Desember 2024
Indicators December 2023 December 2024
Profil Risiko
Risk Profile
NPL Gross 2,19 2,08
Gross NPL
LaR 10,94 9,28
Perkembangan Sektor Migas Oil & Gas Sector Development
Tensi geopolitik terutama perang Rusia-Ukraina serta Geopolitical tensions, particularly the Russia-Ukraine war
memanasnya konflik di Timur Tengah memicu volatilitas and the escalating conflict in the Middle East, triggered
harga energi global. Meskipun harga minyak mentah volatility in global energy prices. Although crude oil prices
mengalami kenaikan di semester I-2024, risiko rose in the first half of 2024, the risk of a global economic
perlambatan ekonomi global membuat harga komoditas slowdown led to a decline in energy commodity prices in
energi mengalami penurunan di paruh kedua tahun 2024. the second half of the year. Data from the World Bank
Data Bank Dunia menunjukkan, rata-rata harga minyak indicated that the average prices of Brent and West Texas
mentah Brent dan West Texas Intermediate (WTI) di Intermediate (WTI) crude oil throughout 2024 stood at
sepanjang tahun 2024 masing-masing USD 80,7/barel USD 80.7/barrel and USD 75.8/barrel, respectively. The
dan USD 75,8/barel. Rata-rata harga minyak mentah average crude oil price declined by 2.3% compared to the
turun 2,3% dibandingkan rata-rata di tahun sebelumnya. previous year. Meanwhile, the average prices of natural gas
Sementara itu, rata-rata harga gas alam AS dan Uni Eropa in the U.S. and the European Union were recorded at USD
masing-masing USD 2,2/mmbtu dan USD 11,0/mmbtu 2.2/mmbtu and USD 11.0/mmbtu, reflecting contractions
atau mengalami kontraksi 13,7% dan 16,4%. of 13.7% and 16.4%, respectively.
Pergerakan Harga Energi Global
Global Energy Prices Movement
Rata-rata Harga Minyak Mentah Rata-rata Harga Gas Alam
Average Cruide Oil Prices Average Natural Gas Prices
Period (USD/barrel) (USD/mmbtu)
Brent WTI US EU
2020 42,3 39,3 2,0 3,2
2021 70,4 68,0 3,9 16,1
2022 99,8 94,4 6,4 40,3
2023 82,6 77,7 2,5 13,1
2024 80,7 75,8 2,2 11,0
Ekspor dan Impor Migas Indonesia Stabil Indonesia’s Oil and Gas Exports and Imports
Remained Stable
Di tengah tren pelemahan harga minyak dan gas global, Amid the global decline in oil and gas prices, Indonesia’s
kinerja perdagangan internasional Indonesia untuk sektor international trade performance in the oil and gas sector
migas tetap solid. Data Badan Pusat Statistik (BPS) remained solid. Statistics Indonesia data showed that
menunjukkan total ekspor migas Indonesia di sepanjang throughout 2024, Indonesia’s total oil and gas exports
2024 mencapai USD 15,9 miliar, sedangkan total nilai reached USD 15.9 billion, while total oil and gas imports
impor migas Indonesia di waktu yang sama mencapai USD amounted to USD 36.3 billion. Both exports and imports
36,3 miliar. Baik ekspor maupun impor migas Indonesia di of oil and gas in 2024 remained relatively stable compared
2024 cenderung stabil dibandingkan dengan tahun 2023. to 2023.
Ekspor dan Impor Migas Indonesia (USD Miliar)
Indonesia’s Oil & Gas Exports and Imports (USD Billion)
Minyak & Gas Perubahan
2023 2024
Oil & Gas Changes
Ekspor 15,9 15,9 -0.28%
Exports
Impor 35,8 36,3 1.24%
Imports
Neraca Dagang (19,9) (20,4) 2.46%
Trade Balance
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Investasi di Sektor Migas Tumbuh Tinggi High Growth in Oil and Gas Sector Investment
Kementerian Energi dan Sumber Daya Mineral (ESDM) The Ministry of Energy and Mineral Resources (ESDM)
mencatat lifting migas sepanjang tahun 2024. Tercatat, recorded Indonesia’s total oil and gas lifting throughout
akumulasi lifting migas pada tahun 2024 sebesar 1.606,4 reached 1,606.4 mboepd, consisting of 579.7 mbopd of
mboepd, dengan lifting minyak bumi 579,7 mbopd dan gas crude oil and 5,481 mmscfd (equivalent to 978.8 mboepd)
bumi sebesar 5.481 mmscfd (setara 978,8 mboepd). Tren of natural gas. Investment in the oil and gas sector also
investasi di sektor migas juga mengalami pertumbuhan experienced significant growth. The total accumulated oil
yang tinggi. Total akumulasi investasi migas di Indonesia and gas investment in Indonesia in 2024 amounted to
di tahun 2024 mencapai USD 17,5 miliar atau tumbuh USD 17.5 billion, marking a 17.4% increase compared
17,4% dibandingkan tahun 2023. to 2023.
Total Investasi Migas Indonesia (USD Miliar)
Oil & Gas Investment in Indonesia (USD Billion)
Minyak & Gas Perubahan
2023 2024
Oil & Gas Changes
Total Investasi 14.9 17.5 17,4%
Total Investments
Tingkat Solvabilitas Asuransi Umum dan Reasuransi Tinggi diatas Ketentuan
High Solvency Levels in General Insurance and Reinsurance Exceeded Requirements
Salah satu indikator penting untuk menilai kesehatan One of the key indicators to assess the health of the
industri asuransi adalah Risk-Based Capital (RBC), yang insurance industry is the Risk-Based Capital (RBC), which
menunjukkan seberapa besar kemampuan permodalan reflects the ability of an insurance company to absorb risks
perusahaan asuransi dalam menyerap risiko. Pada through its capital reserves. As of December 2024, the
Desember 2024, industri asuransi umum dan reasuransi general insurance and reinsurance industries recorded
tercatat memiliki RBC sebesar 325,93%, jauh di atas an RBC of 325.93%, significantly exceeding the minimum
ambang batas minimum yang ditetapkan oleh OJK, threshold set by the Financial Services Authority (OJK)
yaitu 120%. Hal ini menunjukkan bahwa permodalan of 120%. This demonstrates the robust capital position
industri asuransi umum dan reasuransi cukup kuat untuk of the general insurance and reinsurance industries in
menghadapi risiko yang mungkin timbul di masa depan. addressing potential risks in the future. Additionally, these
Selain itu, sektor asuransi umum dan reasuransi juga sectors have successfully maintained their stability despite
berhasil mempertahankan stabilitasnya meskipun ada external challenges such as financial market volatility and
beberapa tantangan eksternal, seperti volatilitas pasar economic uncertainty driven by global factors. As part
finansial dan ketidakpastian ekonomi yang dipicu oleh of a well-managed industry, the general insurance and
faktor global. Sebagai bagian dari sektor yang dikelola reinsurance sectors continue to strike a balance between
dengan baik, asuransi umum dan reasuransi tetap dapat growth and risk mitigation.
mempertahankan keseimbangan antara pertumbuhan dan
mitigasi risiko.
Risk Based Capital (RBC) Industri Asuransi Umum dan Reasuransi Indonesia (%)
Risk-Based Capital (RBC) of Indonesia’s General Insurance and Reinsurance Industry (%)
363%
326% 325% 326%
2021 2022 2023 2024
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kebijakan Modal Minimum untuk Penguatan Industri Asuransi
Minimum Capital Requirements to Strengthen the Insurance Industry
Dalam rangka penguatan sektor asuransi dan mengurangi To strengthen the insurance sector and mitigate potential
potensi risiko yang ada, OJK terus memonitor pemenuhan risks, OJK continued to monitor the fulfillment of equity
kewajiban ekuitas oleh perusahaan asuransi dan requirements by insurance and reinsurance companies.
reasuransi. Berdasarkan POJK No. 23 Tahun 2023 tentang Under OJK Regulation (POJK) No. 23 of 2023 regarding
Perizinan Usaha dan Kelembagaan Perusahaan Asuransi, Business Licensing and Institutional Requirements for
perusahaan asuransi wajib memenuhi jumlah ekuitas Insurance Companies, insurance companies were required
yang dipersyaratkan pada tahun 2026. Hingga Desember to meet the prescribed equity thresholds by 2026. As
2024, sebanyak 107 perusahaan asuransi dan reasuransi of December 2024, 107 insurance and reinsurance
dari 146 telah memenuhi kewajiban ekuitas minimum companies from 146 companies had fulfilled the minimum
yang dipersyaratkan. Hal ini menunjukkan bahwa industri equity requirements. This indicated that the general
asuransi umum, secara keseluruhan, berada dalam posisi insurance industry was in a stable position to comply with
yang stabil untuk memenuhi regulasi yang ditetapkan OJK’s regulations.
oleh OJK.
Ketentuan Modal Minimum OJK
OJK’s Minimum Equity Requirement
Ekuitas Minimum (Rp miliar)
Minimum Equity (IDR billion)
Jenis Perusahaan
Companies Type 2028
2026
KPPE 1 KPPE 2
Asuransi 250 500 1.000
Insurance
Asuransi Syariah 100 200 500
Sharia Insurance
Reasuransi 500 1.000 2.000
Reinsurance
Reasuransi Syariah 200 400 1.000
Sharia Reinsurance
Tantangan dan Prospek Asuransi Umum dan Reasuransi 2025
Challenges and Prospects for the General Insurance and Reinsurance Sector in 2025
Meskipun sektor asuransi umum dan reasuransi Despite the growth momentum demonstrated by the
menunjukkan pertumbuhan yang positif, tantangan general insurance and reinsurance sectors, significant
besar tetap ada, terutama di tengah ketidakpastian challenges remain, particularly amidst global economic
perekonomian global termasuk volatilitas di pasar uncertainties, including financial market volatility and
keuangan hingga perubahan iklim yang dapat climate change, which could impact the risks borne by
mempengaruhi risiko yang harus ditanggung oleh insurance and reinsurance companies. Additionally, with
perusahaan asuransi dan reasuransi. Selain itu, dengan the increasing level of financial literacy among the public,
semakin tingginya tingkat literasi finansial masyarakat, insurance and reinsurance companies must intensify
perusahaan asuransi dan reasuransi perlu lebih giat untuk efforts to enhance transparency and service quality,
meningkatkan transparansi dan kualitas layanan termasuk including through digital transformation strategies, to
melalui strategi transformasi digital agar dapat bersaing remain competitive in an increasingly tight market.
dalam pasar yang semakin ketat. Namun, dengan struktur However, supported by a solid capital structure and
permodalan yang solid dan pengawasan yang ketat dari stringent oversight from the Financial Services Authority
OJK, sektor asuransi umum dan reasuransi di Indonesia (OJK), Indonesia’s general insurance and reinsurance
diperkirakan akan terus berkembang. Langkah-langkah sectors are projected to continue growing. The OJK’s
OJK untuk memperkuat pengaturan dan pengawasan, initiatives to strengthen regulations and supervision, as
serta pemenuhan kewajiban ekuitas yang dipersyaratkan, well as enforce equity compliance requirements, provide
memberikan keyakinan bahwa sektor ini akan mampu confidence that the sector will be better equipped to
menghadapi tantangan dengan lebih baik di masa depan. address future challenges.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tinjauan Operasional
Operational Review
Tugu Insurance mengklasifikasikan kegiatan usahanya Tugu Insurance classifies its business activities into
menjadi 4 (empat) segmen usaha utama yaitu asuransi four main segments: general insurance, reinsurance,
umum, reasuransi usaha sewa dan bisnis terkait, serta rental and related business activities, as well as other
usaha lainnya yang dikelola langsung maupun melalui anak businesses managed directly or through subsidiaries and
usaha dan entitas asosiasi. associated entities.
Segmen Usaha Asuransi Umum
General Insurance Business Segment
Segmen usaha Asuransi Umum dikelola oleh Tugu The General Insurance Business Segment, managed by
Insurance dan grup bisnisnya menawarkan berbagai Tugu Insurance and its business group, offers a wide range
produk baik untuk korporat maupun ritel. Ringkasan kinerja of products catering to both corporate and retail customer.
segmen usaha Asuransi Umum per 31 Desember 2024 Summary of General Insurance segment performance as
sebagai berikut: of 31 December 2024:
• Premi neto Rp1,2 triliun tumbuh 7%; • Net premiums reached IDR1.2 trillion, grew by 7%;
• Pendapatan underwriting Rp1,3 triliun tumbuh 1%; • Underwriting revenues totaled IDR1.3 trillion, increased
by 1%;
• Beban underwriting Rp488 miliar mengalami • Underwriting expenses amounted to IDR488 billion,
penurunan 10%; declined 10%;
• Hasil underwriting Rp823 miliar tumbuh 9%. • Underwriting results stood at IDR823 billion, grew by
9%.
Nilai (Rp ribu)
Segmen Usaha Asuransi Umum Values (IDR thousands) Pertumbuhan
General Insurance Segment Growth
2024 2023
Pendapatan Premi Neto 1.236.834.407 1.153.694.430 7%
Net Premium
Pendapatan Underwriting 1.311.002.661 1.296.290.921 1%
Underwriting Revenues
Beban Underwriting (488.332.189) (543.085.048) -10%
Underwriting Expenses
Hasil Underwriting 822.670.472 753.205.873 9%
Underwriting Results
Segmen Usaha Reasuransi
Reinsurance Segment
Segmen usaha reasuransi fokus pada pemberian jasa The Reinsurance segment focused on providing risk
dalam pertanggungan terhadap risiko klaim yang didapat coverage services for claims liabilities incurred by
oleh perusahaan asuransi. Segmen usaha ini dilayani oleh insurance companies. This segment is served by PT
PT Tugu Reasuransi Indonesia (TuguRe) yang merupakan Tugu Reasuransi Indonesia (TuguRe), a subsidiary of the
anak usaha Perseroan. Ringkasan kinerja segmen usaha company. Summary of Reinsurance segment performance
Reasuransi per 31 Desember 2024 sebagai berikut: as of 31 December 2024:
• Premi neto Rp2,5 triliun tumbuh 33%; • Net premiums reached IDR2.5 trillion, grew by 33%;
• Pendapatan underwriting Rp1,6 triliun tumbuh 27%; • Underwriting revenues totaled IDR1.6 trillion, increased
by 27%;
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 155
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
• Beban underwriting Rp1,5 triliun, mengalami • Underwriting expenses amounted to IDR1.3 trillion,
peningkatan 13%; dan increased by 13%; and
• Hasil underwriting Rp94 miliar membalikkan kondisi • Underwriting results stood at IDR94 billion, achieved
dari rugi menjadi untung. turnaround from a loss to be profitable.
Nilai (Rp ribu)
Segmen Usaha Reasuransi Values (IDR thousands) Pertumbuhan
Reinsurance Segment Growth
2024 2023
Premi Neto 2.532.233.236 1.907.433.864 33%
Net Premium
Pendapatan Underwriting 1.642.287.369 1.294.479.809 27%
Underwriting Revenues
Beban Underwriting (1.548.320.975) (1.364.543.735) 13%
Underwriting Expenses
Hasil Underwriting 93.966.394 (70.063.926) 1.179%
Underwriting Results
Segmen Usaha Sewa dan Lainnya
Rental and Other Business Segment
Perseroan memiliki anak usaha yang bergerak di segmen The company has subsidiaries operating in the property
sewa properti dan kendaraan melalui PT Pratama Mitra and vehicle rental segment through PT Pratama Mitra
Sejati serta usaha surveyor dan manajemen risiko melalui Sejati, as well as in the surveyor and risk management
PT Synergy Risk Management Consultants. Keduanya business through PT Synergy Risk Management
merupakan anak usaha Tugu Insurance yang kinerja Consultants. Both are subsidiaries of Tugu Insurance,
keuangannya dikonsolidasikan ke dalam laporan keuangan and their financial performance is consolidated into the
Grup. Ringkasan kinerja segmen usaha sewa dan lainnya Group’s financial statements. Summary of rental and other
per 31 Desember 2024 sebagai berikut: business segment performance as of 31 December 2024:
• Pendapatan usaha Rp474 miliar mengalami penurunan • Operating revenue of IDR474 billion decreased by 36%;
36%; • Operating expenses were recorded at IDR400 billion,
• Beban usaha tercatat sebesar Rp400 miliar atau increasing by 8% from the previous year;
meningkat 8% dari tahun sebelumnya; • Operating profit in 2024 was recorded at IDR61 billion.
• Laba usaha pada 2024 tercatat sebesar Rp61 miliar.
Nilai (Rp ribu)
Segmen Usaha Sewa dan bisnis terkait, dan Lainnya Values (IDR thousands) Pertumbuhan
Rental and Other Business Segment Growth
2024 2023
Pendapatan usaha 474.764.487 740.133.161 -36%
Operating revenues
Beban usaha (400.407.647) (372.350.758) 8%
Operating expenses
Laba usaha 60.930.195 340.234.133 -82%
Operating income
156 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 159
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Kontribusi Masing-masing Segmen Usaha terhadap Laba Konsolidasian
Contribution of Business Segments to Consolidated Profit
Per 31 Desember 2024, segmen usaha asuransi umum As of 31 December 2024, the general insurance
masih menjadi kontributor terbesar terhadap laba tahun business segment remained the largest contributor to the
berjalan konsolidasian perseroan dengan proporsi sebesar Company’s consolidated profit for the year, accounting for
82%. Namun perbaikan laba juga dialami oleh segmen 82% of the total. However, improvements were also seen
usaha reasuransi yang sebelumnya mencatatkan kerugian in the reinsurance business segment, which transitioned
dan menjadi untung di 2024 serta peningkatan laba dari from a loss to profitability in 2024, along with an increase
segmen usaha rental dan lainnya. in profit from the rental and other business segments.
Rp ribu
Segmen Usaha IDR thousands Pertumbuhan Kontribusi
Business Segments Growth Contribution
2024 2023
Asuransi Umum 617.438.674 1.259.477.783 -51% 82%
General Insurance
Reasuransi *) 100.778.312 (41.245.734) -344% 13%
Reinsurance
Penyewaan dan Lainnya 60.930.195 340.234.133 -82% 8%
Rental and Others
Eliminasi (28.634.390) (256.364.913) -89% 4%
Elimination
Laba Tahun Berjalan 750.512.791 1.302.101.269 -42% 100%
Income for The Year
* Segmen Reasuransi berbalik menjadi untung di 2024
Reinsurance segments turned to be profitable in 2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 157
Page 160
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Keuangan
Financial Review
Standar Penyajian Informasi dan Kesesuaian terhadap SAK
Standards for the Presentation of Financial Information and Conformity with the FAS
Analisis dan pembahasan kinerja keuangan dalam The analysis and discussion of financial performance
Laporan Tahunan ini mengacu pada Laporan Keuangan in this Annual Report are based on the Consolidated
Konsolidasian PT Asuransi Tugu Pratama Indonesia Tbk Financial Statements of PT Asuransi Tugu Pratama
yang telah diaudit oleh Kantor Akuntan Publik Amir Abadi Indonesia Tbk, which have been audited by Amir Abadi
Jusuf, Aryanto, Mawar & Rekan (Anggota Jaringan RSM) Jusuf, Aryanto, Mawar & Rekan Public Accounting Firm (a
dengan pendapat wajar dalam semua hal yang material member of the RSM Network) and received an unqualified
untuk tahun yang berakhir pada 31 Desember 2024 dan opinion for the years ended 31 December 2024 and 31
31 Desember 2023. Laporan keuangan Perusahaan December 2023. The Company’s financial statements are
disusun dan disajikan sesuai dengan Standar Akuntansi prepared and presented in compliance with the Financial
Keuangan (SAK) di Indonesia, yaitu Pernyataan Standar Accounting Standards (FAS) in Indonesia, specifically the
Akuntansi Keuangan (PSAK), yang mencakup Pernyataan Statement of Financial Accounting Standards (PSAK),
dan Interpretasi yang diterbitkan oleh Dewan Standar which includes Statements and Interpretations issued by
Akuntansi Keuangan (DSAK) Ikatan Akuntan Indonesia, the Financial Accounting Standards Board (“DSAK”) of
serta peraturan Pasar Modal yang diterbitkan oleh Ikatan the Indonesian Institute of Accountants, as well as the
Akuntan Indonesia. Di antaranya, Peraturan Badan Capital Market Regulations set by the Indonesian Institute
Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam- of Accountants. This includes, among other regulations,
LK) No. VIII.G.7 mengenai Pedoman Penyajian Laporan the Capital Market and Financial Institution Supervisory
Keuangan, dan Keputusan Ketua Bapepam-LK No. KEP- Agency (Bapepam-LK) Regulation No. VIII.G.7 regarding
347/BL/2012 mengenai Penyajian dan Pengungkapan Guidelines for the Presentation of Financial Statements
Laporan Keuangan Emiten atau Perusahaan Publik. and the Decree of the Chairman of Bapepam-LK No.
KEP-347/BL/2012 on the Presentation and Disclosure of
Financial Statements of Issuers or Public Companies.
Laporan Posisi Keuangan Konsolidasian
Consolidated Statement of Financial Position
Berikut adalah Laporan Posisi Keuangan Konsolidasian The following is the Consolidated Statement of Financial
Tugu Insurance per 31 Desember 2024 yang menunjukkan Position of Tugu Insurance as of 31 December 2024 that
adanya pertumbuhan yang solid. reflected a solid growth.
Rp ribu
Laporan Posisi Keuangan Konsolidasian IDR thousands Pertumbuhan
Consolidated Statement of Financial Position Growth
2024 2023
Jumlah Aset 26.350.070.532 25.137.942.615 5%
Total Assets
Jumlah Liabilitas 15.841.520.960 14.858.084.382 7%
Total Liabilities
Ekuitas 10.508.549.572 10.279.858.233 2%
Equity
Jumlah Liabilitas dan Ekuitas 26.350.070.532 25.137.942.615 5%
Total Liabilities and Equity
158 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 161
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Aset Assets
Pada 31 Desember 2024, Perusahaan mencatatkan As of 31 December, the Company reported total assets
total aset sebesar Rp26,3 triliun, meningkat sebesar 5% of IDR26.3 trillion, an increase of 5% compared to the
dibandingkan dengan tahun sebelumnya. Peningkatan previous year. The increase in Tugu Insurance’s asset
posisi aset Tugu Insurance terutama disebabkan oleh position was primarily driven by the growth in marketable
kenaikan efek-efek, aset tetap dan aset reasuransi. securities, fixed assets, and reinsurance assets. Below is
Berikut adalah ringkasan aset Tugu Insurance a summary of Tugu Insurance’s consolidated assets as of
konsolidasian per 31 Desember 2024: 31 December 2024:
• Efek-efek mengalami peningkatan 26% menjadi Rp7,7 • Marketable securities increased by 26% to IDR7.7
triliun seiring dengan penempatan arus kas untuk trillion driven placement of investments primarily in
investasi terutama efek berupa obligasi baik yang bonds recognized at fair value through profit or loss as
diakui dengan nilai wajar melalui laba rugi maupun well as those classified as available for sales;
tersedia untuk dijual;
• Aset tetap mengalami peningkatan sebesar 80% • Fixed assets increased by 80% compared to the
dibandingkan tahun sebelumnya. Peningkatan previous year, primarily driven by the reclassification of
aset tetap ini terutama disebabkan karena adanya Investment Property Assets into Fixed Assets;
reklasifikasi dari Aset Investasi Properti menjadi
Aset Tetap;
• Aset reasuransi tercatat sebesar Rp8,0 triliun, atau • Reinsurance assets were recorded at IDR8.0 trillion,
naik 10%. Pertumbuhan aset reasuransi terutama reflecting a 10% increase. This growth was primarily in
sejalan dengan pertumbuhan premi yang dicatatkan line with the Company’s premium expansion.
oleh Perseroan.
Aset (Rp Ribu) Pertumbuhan
2024 2023
Assets (IDR Thousands) Growth
Kas dan Bank 358.000.320 537.857.224 -33%
Cash on Hand and in Banks
Deposito Berjangka 2.160.840.127 3.080.099.520 -30%
Time Deposits
Efek-Efek 7.677.715.514 6.071.399.365 26%
Marketable Securities
Penyertaan Langsung 28.019.206 36.254.223 -23%
Direct Participation
Investasi pada Entitas Asosiasi 177.265.802 166.639.022 6%
Investment in Associates
Properti Investasi 1.179.943.393 2.317.627.368 -49%
Investment Properties
Jumlah Investasi 11.223.784.042 11.672.019.498 -4%
Total Investment
Piutang Premi dan Sesi, Neto 1.616.850.321 1.859.030.780 -13%
Premium and Cession Receivables, Net
Piutang Koasuransi, Neto 192.273.045 422.878.924 -55%
Coinsurance Receivables, Net
Piutang Reasuransi dan Retrosesi, Neto 486.022.965 655.594.034 -26%
Reinsurance and Retrocession Receivables, Net
Piutang Lain-Lain 335.086.216 266.796.478 26%
Other Receivables
Aset Tetap, Neto 2.906.940.891 1.614.302.861 80%
Fixed Assets, Net
Aset Tak Berwujud, Neto 123.678.966 113.420.431 9%
Intangible Assets, Net
Aset Hak Guna, Neto 23.367.109 10.357.593 126%
Right Use of Assets, Net
Aset Reasuransi 8.023.804.564 7.262.059.610 10%
Reinsurance Assets
Biaya Dibayar Di Muka dan Uang Muka 56.730.903 32.437.029 75%
Prepaid Expenses and Advances
Pajak Dibayar Di Muka 79.681.846 35.238.365 126%
Prepaid Taxes
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 159
Page 162
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aset (Rp Ribu) Pertumbuhan
2024 2023
Assets (IDR Thousands) Growth
Aset Pajak Tangguhan 293.205.718 281.650.749 4%
Deferred Tax Assets, Net
Aset Lain-Lain 630.643.626 374.299.039 68%
Other Assets
Jumlah Aset 26.350.070.532 25.137.942.615 5%
Total Assets
Liabilitas Liabilities
Pada 31 Desember 2024, Perusahaan mencatatkan total As of 31 December, the Company reported total liabilities
liabilitas sebesar Rp15,8 triliun, meningkat sebesar 7% of IDR15.8 trillion, an increase of 7% compared to the
dibandingkan dengan tahun sebelumnya. Peningkatan previous year. The increase in liabilities was primarily
liabilitas terutama sejalan dengan pertumbuhan premi. in line with premium growth. In managing liabilities,
Dalam mengelola liabilitas, Perseroan mengedepankan the Company prioritized prudent governance principles,
prinsip tata kelola yang berhati-hati terutama dalam particularly in risk management.
mengelola risiko.
Liabilitas (Rp ribu) Pertumbuhan
2024 2023
Liabilities (IDR thousands) Growth
Utang Reasuransi dan Retrosesi 1.835.027.181 1.891.733.387 -3%
Reinsurance and Retrocession Payables
Utang Komisi 96.142.324 43.569.121 121%
Commissions Payables
Utang Klaim 155.449.063 313.786.300 -50%
Claims Payables
Utang Koasuransi 91.592.644 73.562.226 25%
Coinsurance Payables
Pinjaman Diterima 527.075.229 296.149.553 78%
Borrowings
Utang Pembiayaan Konsumen dan Sewa Pembiayaan 117.815.784 45.513.893 159%
Consumer Finance and Lease Payables
Liabilitas Sewa 24.567.325 6.194.693 297%
Lease Liabilities
Beban Akrual 289.365.193 290.477.838 -0%
Accrued Expenses
Tagihan Kekurangan Pembayaran Pajak - 3.256.171
Tax Underpayment Bill
Utang Pajak 50.973.809 180.342.673 -72%
Taxes Payables
Utang Lain-Lain 251.399.834 270.437.331 -7%
Other Payables
Liabilitas Asuransi 12.171.114.196 11.147.535.021 9%
Insurance Liabilities
Liabilitas Imbalan Kerja 230.998.378 295.526.175 -22%
Employee Benefits Liabilities
Jumlah Liabilitas 15.841.520.960 14.858.084.382 7%
Total Liabilities
Ekuitas Equity
Pada 31 Desember 2024, Perusahaan mencatatkan As of 31 December, the Company reported an equity
ekuitas sebesar Rp10,5 triliun, meningkat sebesar 2% of IDR10.5 trillion, an increase of 2% compared to the
dibandingkan dengan tahun sebelumnya. Peningkatan previous year. The increase was driven by the growth in
terjadi seiring dengan peningkatan laba ditahan yang retained earnings, demonstrating that Tugu Insurance
menunjukkan bahwa Tugu Insurance konsisten mampu consistently achieved profitability.
mencetak laba.
160 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Ekuitas (Rp ribu) Pertumbuhan
2024 2023
Equity (IDR thousands) Growth
Modal Saham 177.778.780 177.778.780 0%
Share Capital
Tambahan Modal Disetor 625.460.209 625.460.209 0%
Additional Paid in Capital
Selisih Kurs Penjabaran Laporan Keuangan (32.356.770) (37.679.259) -14%
Translation Adjustments
Selisih Transaksi antara Pemegang Saham Entitas Anak 105.555.883 105.555.883 0%
Difference In Transaction between Shareholders of a Subsidiary
Keuntungan yang belum Direalisasi atas Efek-Efek yang Tersedia (95.569.506) 8.409.087 -1237%
untuk Dijual, Neto
Unrealized Gains on Available-For-Sale Marketable Securities, Net
Surplus Revaluasi Aset Tetap, Neto 1.998.384.997 2.027.351.117 -1%
Fixed Assets Revaluation Surplus
Saldo Laba Sudah Ditentukan Penggunaannya 413.313.271 413.313.271 0%
Appropriated Retained Earnings
Saldo Laba Belum Ditentukan Penggunaannya 6.578.903.836 6.262.074.018 5%
Unappropriated Retained Earnings
Sub-Jumlah Ekuitas yang Dapat Diatribusikan Kepada Pemilik 9.771.470.700 9.582.263.106 2%
Entitas Induk
Equity Attributable to Equity Holders of the Parent
Kepentingan Non-Pengendali 737.078.872 697.595.127 6%
Non-Controlling Interest
Jumlah Ekuitas 10.508.549.572 10.279.858.233 2%
Total Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Statement of Profit or Loss and Other Comprehensive Income
Berikut adalah Laporan Laba Rugi dan Penghasilan The following is the Consolidated Statement of Profit or
Komprehensif Lain Konsolidasian Tugu Insurance per Loss and Other Comprehensive Income for Tugu Insurance
31 Desember 2024. Perseroan berhasil membukukan as of 31 December 2024. The Company achieved robust
pertumbuhan laba usaha yang solid di sepanjang 2024 growth in operating income throughout 2024, supported by
yang ditopang oleh pertumbuhan pendapatan dan an increase in revenue and disciplined cost management.
terjaganya beban usaha. Terjadinya penurunan laba tahun The decline in net profit for the year did not reflect a
berjalan bukan disebabkan oleh penurunan kinerja Tugu deterioration in the Company’s performance and mainly
Insurance, melainkan perseroan tidak lagi mencatatkan attributed to the absence of one-off income recognized
pendapatan sekali waktu yang pada 2023 diperoleh dari in 2023 from a legal settlement with Citibank N.A., which
kemenangan kasus hukum atas Citibank N.A dan bukan was non-recurring and not derived from the Company’s core
merupakan pendapatan inti yang berasal dari aktivitas operational activities
operasional Perseroan.
Laba Rugi dan Penghasilan Komprehensif Lain
Konsolidasian (Rp ribu) Pertumbuhan
2024 2023
Consolidated Statement of Profit or Loss and Other Growth
Comprehensive Income (IDR thousands)
Jumlah Pendapatan 3.933.396.286 3.591.484.745 10%
Total Revenues
Jumlah Beban Operasional (3.117.424.101) (3.021.517.941) 3%
Total Operating Expenses
Laba Usaha Sebelum Pendapatan/(Beban) Lain-Lain, Neto 815.972.185 569.966.804 43%
Operating Income Before Other Income/(Expenses), Net
Pendapatan/(Beban) Lain-Lain, Neto 106.043.082 1.054.600.500 -90%
Other Income/(Expenses), Net
Laba Usaha 922.015.267 1.624.567.304 -43%
Operating Income
Laba Tahun Berjalan 750.512.791 1.302.101.269 -42%
Income for the Year
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 161
Page 164
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laba Rugi dan Penghasilan Komprehensif Lain
Konsolidasian (Rp ribu) Pertumbuhan
2024 2023
Consolidated Statement of Profit or Loss and Other Growth
Comprehensive Income (IDR thousands)
Diatribusikan kepada pemilik entitas induk 700.854.404 1.322.393.811 -47%
Attributable to equity owners of parent entity
Kepentingan non-pengendali 49.658.387 (20.292.542) -345%
Non-controlling interest
Jumlah Penghasilan Komprehensif Tahun Berjalan 666.949.261 1.352.122.314 -51%
Total Comprehensive Income for the Year
Diatribusikan kepada pemilik entitas induk 627.454.605 1.372.504.501 -54%
Attributable to equity owners of parent entity
Kepentingan non-pengendali 39.494.656 (20.382.187) -294%
Non-controlling interest
Jumlah Pendapatan Total Revenues
Jumlah pendapatan konsolidasi Tugu Insurance hingga Tugu Insurance’s consolidated revenues as of 31
31 Desember 2024 mencapai Rp3,9 triliun mengalami December 2024 reached IDR3.9 trillion, reflecting a 10%
pertumbuhan sebesar 10% dibanding tahun sebelumnya. growth compared to the previous year. This increase was
Hal ini terutama ditopang oleh pertumbuhan Pendapatan primarily driven by the growth in underwriting revenue,
underwriting yang memberikan kontribusi sebesar 76% which contributed 76% to the total revenue for the 2024
terhadap total pendapatan di tahun buku 2024. fiscal year.
Nilai (Rp ribu) Kontribusi
Jumlah Pendapatan Values (IDR thousands) Pertumbuhan Contribution
Total Revenues Growth
2024 2023 2024 2023
Jumlah Pendapatan Underwriting 2.970.259.235 2.609.564.109 14% 76% 73%
Total Underwriting Revenues
Pendapatan Investasi 443.286.914 579.830.038 -24% 11% 16%
Investment Income
Pendapatan Usaha Lainnya 519.850.137 402.090.598 29% 13% 11%
Other Operating Revenues
Jumlah Pendapatan 3.933.396.286 3.591.484.745 10% 100% 100%
Total Revenues
Jumlah Pendapatan Underwriting Total Underwriting Revenues
Tugu Insurance mencatatkan jumlah pendapatan Tugu Insurance recorded total underwriting revenue of
underwriting sebesar Rp3,0 triliun hingga 31 Desember IDR3.0 trillion as of 31 December 2024. Total underwriting
2024. Pendapatan underwriting tumbuh 14% dibanding revenues grew by 14% compared to the previous year,
tahun sebelumnya terutama ditopang oleh: primarily driven by:
• Pendapatan premi bruto yang tumbuh 11% menjadi • Gross premium increased by 11% to IDR8.5 trillion;
Rp8,5 triliun;
• Pertumbuhan pendapatan premi bruto terutama • The growth in gross premium income was mainly
ditopang oleh peningkatan premi bruto dari segmen supported by an increase in gross premiums from the
asuransi kebakaran dan properti yang tumbuh 38%. fire and property insurance segment, which grew by
38%.
Jumlah Pendapatan Underwriting (Rp ribu) Pertumbuhan
2024 2023
Total Underwriting Revenues (IDR thousands) Growth
Pendapatan Premi Bruto
Gross Premiums
Kebakaran 3.816.554.795 2.761.246.559 38%
Fire
Pengangkutan 474.202.463 478.172.067 -1%
Marine Cargo
Rekayasa 482.033.990 931.430.484 -48%
Engineering
162 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Jumlah Pendapatan Underwriting (Rp ribu) Pertumbuhan
2024 2023
Total Underwriting Revenues (IDR thousands) Growth
Rangka Kapal 691.834.093 682.819.238 1%
Marine Hull
Offshore 520.703.534 553.460.217 -6%
Onshore 338.765.372 68,397,209 395%
Penerbangan 799.590.774 814.214.329 -2%
Aviation
Lainnya 1.413.192.497 1.419.783.965 0%
Miscelaneous
Jumlah 8.536.877.518 7.709.524.068 11%
Total
Premi Reasuransi dan Retrosesi (4.754.995.256) (4.368.028.394) 9%
Reinsurance and Retrocession Premium
Perubahan Premi yang belum merupakan Pendapatan dan Liabilitas (314.399.802) (711.844.970) -56%
Manfaat Polis Masa Depan
Changes in Unearned Premium Reserves and Liabilities for Future
Policy Benefits
Perubahan Aset Reasuransi atas Premi yang belum merupakan 296.196.402 450.280.969 -34%
Pendapatan dan Liabilitas Manfaat Polis Masa Depan
Changes in Reinsurance Assets of Unearned Premium Reserves and
Liabilities for Future Policy Benefits
Pendapatan Premi, Neto 3.763.678.862 3.079.931.673 22%
Premium Income, Net
Beban Komisi, Neto (793.419.627) (470.367.564) 69%
Commissions Expenses, Net
Jumlah Pendapatan Underwriting 2.970.259.235 2.609.564.109 14%
Total Underwriting Revenues
Pendapatan Investasi Investment Income
Pendapatan investasi Tugu Insurance per 31 Desember Tugu Insurance’s investment income as of 31 December
2024 tercatat sebesar Rp443 miliar, dengan kontribusi 2024 was IDR443 billion, with the largest contribution
terbesar adalah pendapatan bunga baik dari penempatan coming from interest income generated through
di deposito berjangka maupun obligasi. placements in time deposits and bonds.
Pendapatan Investasi (Rp ribu) Pertumbuhan
2024 2023
Investment Income (IDR thousands) Growth
Penghasilan Bunga 469.732.911 446.797.913 5%
Interest Income
Laba/(Rugi) Selisih Perubahan Nilai Wajar Properti Investasi (25.318.820) 24.705.589 -202%
Gain/(Loss) on Revaluation Increment of Investment Property
Keuntungan/(kerugian) dari Perubahan Nilai Wajar Efek (37.882.067) 63.041.616 -160%
Gain/(loss) on Changes in Fair Value of Marketable Securities
Penghasilan Dividen 17.261.802 39.986.423 -57%
Dividend Income
Lain-Lain 19.493.088 5.298.497 268%
Others
Pendapatan Investasi 443.286.914 579.830.038 -24%
Invesment Income
Pendapatan Usaha Lainnya Other Operating Revenue
Pendapatan usaha lainnya Tugu Insurance mencapai Tugu Insurance’s other operating revenues amounted
Rp519 miliar per 31 Desember 2024. Pos ini mencatatkan to IDR519 billion as of 31 December 2024, reflecting
pertumbuhan 29% dibanding tahun sebelumnya. a growth of 29% compared to the previous year.
Pendapatan usaha lainnya Tugu Insurance merupakan Tugu Insurance’s other operating revenues consist of
pendapatan yang dikonsolidasikan dari anak usaha consolidated revenue from its subsidiaries, primarily
terutama untuk bisnis sewa dan penjualan kendaraan derived from the rental and vehicle sales business
yang dicatatkan oleh PT Pratama Mitra Sejati dan recorded by PT Pratama Mitra Sejati and survey services
jasa survei yang dicatatkan oleh PT Synergy Risk recorded by PT Synergy Risk Management Consultants.
Management Consultants.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 163
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendapatan Usaha Lainnya (Rp ribu) Pertumbuhan
2024 2023
Other Operating Revenues (IDR thousand) Growth
Usaha Sewa 363.178.459 212.806.882 71%
Rental Business
Jasa Survei 72.154.381 86.643.986 -17%
Survey Fee
Penjualan Kendaraan 84.517.297 102.639.730 -18%
Sales of Vehicles
Pendapatan Usaha Lainnya 519.850.137 402.090.598 29%
Other Operating Revenues
Jumlah Beban Total Expenses
Tugu Insurance mencatatkan jumlah beban konsolidasi Tugu Insurance recorded total consolidated expenses of
sebesar Rp3,0 triliun hingga 31 Desember 2024. IDR3.0 trillion as of 31 December 2024, representing
Jumlah beban mengalami kenaikan 53% dibandingkan an increase of 53% compared to the previous year. Net
dengan tahun sebelumnya. Beban klaim neto masih claims expenses remained the largest contributor to total
menjadi penyumbang terbesar jumlah beban sejalan expenses, reflecting the significant contribution of the
dengan kontribusi bisnis asuransi umum dan reasuransi general insurance and reinsurance businesses. Net other
yang paling besar. Pendapatan/(beban) lain-lain neto income/(expenses) experienced a significant decline due
Tugu Insurance mengalami penurunan signifikan akibat to the absence of one-off income from the legal case
tidak lagi mencatatkan pendapatan sekali waktu atas victory against Citibank N.A., which was recorded in the
kemenangan kasus hukum dengan Citibank N.A yang 2023 fiscall year. However, this income was not derived
dicatat pada tahun buku 2023. Namun pendapatan ini from Tugu Insurance’s core operational activities. Tugu
bukan merupakan pendapatan yang berasal dari aktivitas Insurance’s core operating expenses accounted for 79% of
operasional inti Tugu Insurance. Total beban operasional total revenues in 2024 marking an improvement from 84%
inti terhadap total pendapatan Tugu Insurance pada 2024 in 2023, reflecting the Company’s enhanced operational
sebesar 79% atau membaik dari capaian 2023 sebesar efficiency. This efficiency improvement served as a key
84% yang mencerminkan peningkatan efisiensi operasional driver for the growth of Tugu Insurance’s core operating
Perseroan. Hal ini menjadi pendorong pertumbuhan laba profit in 2024.
usaha inti Tugu Insurance di 2024.
Nilai (Rp ribu) Kontribusi
Jumlah Beban (Rp ribu) Values (IDR thousands) Pertumbuhan Contribution
Total Expenses (IDR thousands) Growth
2024 2023 2024 2023
Jumlah Beban Klaim Neto (2.047.669.814) (1.911.033.003) 7% 68% 97%
Total Net Claim Expenses
Beban Usaha (760.121.157) (812.220.956) -6% 25% 41%
Operating Expenses
Beban Usaha Lainnya (309.633.130) (298.263.982) 4% 10% 15%
Other Operating Expenses
Pendapatan/(Beban) Lain-Lain Neto 106.043.082 1.054.600.500 -90% -3% -54%
Other Income/(Expenses), Net
Jumlah Beban (3.011.381.019) (1.966.917.441) 53% 100% 100%
Total Expenses
164 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Jumlah Beban Klaim Neto Total Net Claims Expenses
Tugu Insurance mencatatkan jumlah beban klaim neto Tugu Insurance recorded net claims expenses of IDR2.0
sebesar Rp2,0 triliun hingga 31 Desember 2024. trillion as of 31 December 2024. Net claims expenses
Jumlah beban klaim neto mengalami peningkatan increased by 7% compared to the previous year, in line
7% dibandingkan tahun sebelumnya, seiring dengan with the increase in changes in reinsurance assets for
meningkatnya perubahan aset reasuransi atas estimasi estimated liabilities claims.
liabilitas klaim.
Jumlah Beban Klaim Neto (Rp ribu) Pertumbuhan
2024 2023
Total Net Claim Expenses (IDR thousands) Growth
Klaim Bruto
Gross Claims
Kebakaran (1.037.752.395) (886.522.886) 17%
Fire
Pengangkutan (106.044.545) (140.664.410) -25%
Marine Cargo
Rekayasa (196.177.106) (158.852.752) 23%
Engineering
Rangka Kapal (225.792.204) (198.262.600) 14%
Marine Hull
Offshore (140.446.131) (323.314.309) -57%
Onshore (36.086.915) (13.947.695) 159%
Penerbangan (46.332.456) (38.244.053) 21%
Aviation
Lainnya (901.192.554) (1.025.578.184) -12%
Miscelaneous
Jumlah (2.689.824.306) (2.785.386.889) -3%
Total
Klaim Reasuransi dan Retrosesi 885.785.313 1.361.523.348 -35%
Reinsurance and Retrocession Claims
Perubahan Estimasi Liabilitas Klaim (709.179.372) (638.438.007) 11%
Changes in Estimated Claims Liabilities
Perubahan Aset Reasuransi atas Estimasi Liabilitas Klaim 465.548.551 151.268.545 208%
Changes In Reinsurance Assets for Estimated Liabilities Claims
Jumlah Beban Klaim Neto (2.047.669.814) (1.911.033.003) 7%
Total Net Claim Expenses
Beban Usaha Operating Expenses
Tugu Insurance mencatatkan beban usaha sebesar Tugu Insurance recorded operating expenses of IDR760
Rp760 miliar hingga 31 Desember 2024. Beban usaha billion as of 31 December 2024. Comnpany’s operating
Perseroan mengalami penurunan 6% dibandingkan tahun expenses decreased by 6% compared to the previous
sebelumnya. Penurunan pada beban usaha menunjukan year. This decline in operating expenses demonstrated
bahwa Perseroan berhasil menjaga efektifitas dan efisiensi the Company’s success in maintaining effectiveness and
dalam menjalankan kegiatan operasionalnya. efficiency in its operational activities.
Beban Usaha (Rp ribu) Pertumbuhan
2024 2023
Operating Expenses (IDR thousands) Growth
Gaji dan Tunjangan (533.910.405) (525.735.146) 2%
Salaries and Allowance
Penyusutan dan Amortisasi (28.700.829) (40.720.001) -30%
Depreciation and Amortization
Jasa Professional (42.860.559) (79.588.685) -46%
Professional Services
Umum (22.367.008) (28.447.038) -21%
General
Pemasaran (44.866.264) (66.733.064) -33%
Marketing
Imbalan Kerja (38.042.904) (46.003.729) -17%
Pension Benefits
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 165
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Beban Usaha (Rp ribu) Pertumbuhan
2024 2023
Operating Expenses (IDR thousands) Growth
(Penyisihan)/Pemulihan Kerugian Penurunan Nilai dan Hapus Buku 5.280.959 17.391.969 -70%
Piutang
(Allowance)/Recovery for Impairment Losses and Write-Off
Receivables
Perlengkapan Kantor (13.553.628) (13.803.349) -2%
Office Supplies
Supervisi (317.886) (18.668.527) -98%
Supervision
Pemeliharaan dan Perbaikan (12.494.996) (7.832.728) 60%
Repairs and Maintenance
Lain-Lain (28.287.637) (2.080.658) 1260%
Others
Jumlah 760.121.157 812.220.956 -6%
Total
Beban Usaha Lainnya Other Operating Expenses
Tugu Insurance mencatatkan beban usaha lainnya sebesar Tugu Insurance recorded other operating expenses of
Rp309 miliar hingga 31 Desember 2024. Beban usaha IDR309 billion as of 31 December 2024, which increased
lainnya tumbuh 4% dan tetap terjaga. Beban usaha lainnya by 4% while remaining well-managed. These other
merupakan beban anak usaha yang dikonsolidasikan operating expenses were derived from the expenses of the
dalam Laporan Laba Rugi Tugu Insurance. Company’s subsidiaries consolidated into Tugu Insurance’s
Statement of Profit or Loss.
Beban Usaha Lainnya (Rp ribu) Pertumbuhan
2024 2023
Other Operating Expenses (IDR thousands) Growth
Penyusutan dan Amortisasi (51.171.081) (64.563.523) -21%
Depreciation and Amortization
Jasa Pihak Ketiga (59.748.167) (67.158.928) -11%
Third Party Services
Harga Pokok Penjualan Kendaraan (73.600.269) (81.526.083) -10%
Cost of Vehicles
Umum (4.979.651) (34.756.979) -86%
General
Gaji dan Tunjangan (34.843.755) (18.654.131) 87%
Salaries and Allowance
Perbaikan dan Pemeliharaan (35.842.120) (18.211.768) 97%
Repairment and Maintenance
Pemasaran (2.259.227) (11.785.952) -81%
Marketing
Lainnya (47.188.860) (1.606.618) 2837%
Others
Jumlah (309.633.130) (298.263.982) 4%
Total
166 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pendapatan/(Beban) Lain-lain Neto Other Income/(Expenses), Net
Tugu Insurance mencatatkan pendapatan lain-lain neto Tugu Insurance recorded a net other income/(expenses)
sebesar Rp106 miliar hingga 31 Desember 2024. of IDR106 billlion as of 31 December 2024. The net other
Pendapatan lain-lain neto merupakan pos yang berisikan income or expeses which comprises net financial income
pendapatan atau beban keuangan neto dan pos ini or expenses, experienced a significant decline compared
mengalami penurunan signifikan dibandingkan tahun to the previous year. This decrease was primarily due to
sebelumnya karena Tugu Insurance tidak lagi mencatat Tugu Insurance no longer recognizing the one-time income
pendapatan sekali waktu dari kasus litigasi melawan from the litigation case against Citibank N.A.
Citibank N.A.
Pendapatan/(Beban) Lain-lain Neto (Rp ribu) Pertumbuhan
2024 2023
Other Income/(Expenses), Net (IDR thousand) Growth
Keuntungan/(Kerugian) Kurs Mata Uang Asing Neto 38.898.490 (2.835.945) 1472%
Gain/(Loss) On Foreign Exchange Net
Pendapatan Unit Syariah 11.037.265 9.143.977 21%
Sharia Unit Revenue
Pendapatan Jasa Giro (1.033.915) 2.682.564 -139%
Interest on Current Account
Keuntungan Penjualan Aset Tetap 86.501 6.557 1219%
Gain on Sale of Fixed Assets
Beban Bunga - Sewa Modal (8.403) (19.075) -56%
Interest Expenses - Capital Lease
Beban Bank (621.334) (2.569.083) -76%
Bank Charges
Beban Bunga Pinjaman (29.454.135) (12.804.817) 130%
Borrowing Interest Income
Beban Bunga Pembiayaan dan Sewa (3.631.481) (5.278.681) -31%
Finance and Lease Interest Expenses
Keuntungan/(Kerugian) Litigasi 44.737.505 84.407.040 -47%
Gain/(Loss) on Litigation
Laba/(Rugi) Lainnya 46.032.589 981.867.963 -95%
Gain/(Loss) Others
Jumlah 106.043.082 1.054.600.500 -90%
Total
Laba Income
Laba tahun berjalan Tugu Insurance mencapai Rp751 The net income for the year of Tugu Insurance reached
miliar per 31 Desember 2024. Laba tahun berjalan IDR751 billion as of 31 December 2024. The net income
turun 42% dibandingkan tahun sebelumnya. Namun jika for the year declined 42% from the previous year. However,
pendapatan sekali waktu dari kemenangan kasus hukum excluding the one-off income from the legal case victory
atas Citibank N.A dikeluarkan yang selanjutnya disebut against Citibank N.A., the core net income for the year
sebagai laba (inti) tahun berjalan mengalami pertumbuhan demonstrated a growth of 63%.
63%.
Laba (Rp ribu) Pertumbuhan
2024 2023
Income (IDR thousands) Growth
Laba Sebelum Bagian Laba Bersih Entitas Asosiasi san Beban Pajak 922.015.267 1.624.567.304 -43%
Final dan Pajak Penghasilan
Income Before Share in Associates' Net Income and Final Tax and
Income Tax Expenses
Bagian Laba Bersih Entitas Asosiasi 11.366.384 7.763.237 46%
Share in Associates' Net Income
Laba Sebelum Beban Pajak Final dan Pajak Penghasilan 933.381.651 1.632.330.541 -43%
Income Before Final Tax and Income Tax Expenses
Beban Pajak Final (69.280.090) (52.159.894) 33%
Final Tax Expenses
Laba Sebelum Beban Pajak Penghasilan 864.101.561 1.580.170.647 -45%
Income Before Income Tax Expenses
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 167
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laba (Rp ribu) Pertumbuhan
2024 2023
Income (IDR thousands) Growth
Beban Pajak Penghasilan (113.588.770) (278.069.378) -59%
Income Tax Expenses
Laba Tahun Berjalan 750.512.791 1.302.101.269 -42%
Income for the Year
Diatribusikan kepada Pemilik Entitas Induk 700.854.404 1.322.393.811 -47%
Attributable to Equity Owners of Parent Entity
Kepentingan Non-Pengendali 49.658.387 (20.292.542) -345%
Non-Controlling Interest
Jumlah Penghasilan Komprehensif Tahun Berjalan 666.949.261 1.352.122.314 -51%
Total Comprehensive Income for the Year
Diatribusikan kepada Pemilik Entitas Induk 627.454.605 1.372.504.501 -54%
Attributable to Equity Owners of Parent Entity
Kepentingan Non-Pengendali 39.494.656 (20.382.187) -294%
Non-Controlling Interest
Laba per Saham
2024 2023
Earning per Share
Laporan Konsolidasi
Consolidated Statements
Laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk (Rp miliar) 701 1.322
Net income attributable to owners of the parent entity (IDR billion)
Rata-rata tertimbang saham biasa yang beredar (nilai penuh dalam miliar) 3,56 3,56
Weighted average number of outstanding common stock (full amount in billion)
Laba per saham dasar dan dilusian (Rp) 197 372
Earning per share basic and diluted (IDR)
Penyesuaian
Adjustment
Laba tahun berjalan (Rp miliar) 751 1.302
Net income for the year (IDR billion)
Penyesuaian dari pendapatan sekali waktu (Rp miliar) (44) (868)
Adjustment for one-time income (IDR billion)
Laba tahun berjalan inti (Rp miliar) 707 434
Core net income for the year (IDR billion)
Rata-rata tertimbang saham biasa yang beredar (nilai penuh dalam miliar) 3,56 3,56
Weighted average number of outstanding common stock (full amount in billion)
Laba per saham dasar dan dilusian inti (Rp) 199 122
Core earning per share basic and diluted (IDR)
Laporan Arus Kas Konsolidasian Consolidated Statement of Cash Flows
Tugu Insurance mencatatkan penurunan kas dan bank Tugu Insurance recorded a decrease in cash and bank
sebesar Rp180 miliar hingga 31 Desember 2024. balances of IDR180 billion as of 31 December 2024. This
Penurunan ini disebabkan karena Tugu Insurance tidak lagi decline was attributed to the absence of cash inflows from
mendapatkan arus kas dari kemenangan kasus hukum the legal case victory against Citibank N.A., which had
atas Citibank N.A pada arus kas yang diperoleh dari previously contributed to operating cash flows, as well as
aktivitas operasi serta Perseroan membagikan dividen the distribution of dividends for the 2023 financial year.
untuk tahun buku 2023. Posisi kas dan bank per 31 The cash and bank balance as of 31 December 2024
Desember 2024 tercatat sebesar Rp358 miliar. Berikut stood at IDR358 billion. The details are as follows:
adalah rinciannya:
168 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Laporan Arus Kas Konsolidasi (Rp ribu) Pertumbuhan
2024 2023
Consolidated Statement of Cash Flows (IDR thousands) Growth
Kas Neto yang Diperoleh dari Aktivitas Operasi 413.779.149 2.128.649.029 -81%
Net Cash Provided from Operating Activities
Kas Neto yang Digunakan untuk Aktivitas Investasi (335.142.039) (2.094.902.465) -84%
Net Cash Used for Investing Activities
Kas Neto yang Digunakan untuk Aktivitas Pendanaan (254.471.544) (101.381.075) 151%
Net Cash Used for Financing Activities
Kenaikan/(Penurunan) Kas Neto (175.834.434) (67.634.511) 160%
Net Increase/(Decrease) In Cash
Penyesuaian Atas Selisih Kurs (4.022.470) (3.494.364) 15%
Adjustment for Forex Difference
Kas dan Bank Awal Tahun 537.857.224 608.986.099 -12%
Cash and Banks at Beginning of Year
Kas dan Bank Akhir Tahun 358.000.320 537.857.224 -33%
Cash and Banks at End of Year
Arus Kas dari Aktivitas Operasi Cash Flows from Operating Activities
Tugu Insurance mencatatkan arus kas yang diperoleh Tugu Insurance recorded a cash flows provided from
dari aktivitas operasi sebesar Rp414 miliar hingga 31 operating activities of IDR414 billion as of 31 December
Desember 2024. Arus kas dari aktivitas operasi tetap 2024. Operating cash flows remained positive despite the
positif meskipun tidak lagi mendapatkan penerimaan absence of receipts from litigation settlements.
atas litigasi.
Arus Kas dari Aktivitas Operasi (Rp ribu) Pertumbuhan
2024 2023
Cash Flows from Operating Activities (IDR thousands) Growth
Penerimaan Kas dari Tertanggung, Reasuradur, dan Pelanggan 9.705.540.486 8.499.827.503 14%
Cash Receipts from Insured, Reinsurers, and Customers
Pembayaran Kas kepada Tertanggung, Reasuradur, Pemasok, dan (9.087.432.170) (7.303.259.682) 24%
Karyawan
Cash Paid to Insured, Reinsurers, Suppliers, and Employees
Pembayaran Pajak Penghasilan (204.329.167) (198.596.293) 3%
Income Tax Paid
Penerimaan Klaim atas Pengembalian Pajak - 18.328.138
Cash Receipts from Claim for Tax Refund
Penerimaan atas Litigasi - 1.112.349.363
Cash Receipts from Litigation
Arus Kas Neto yang Diperoleh dari Aktivitas Operasi 413.779.149 2.128.649.029 -81%
Net Cash Flows Provided by Operating Activities
Arus Kas dari Aktivitas Investasi Cash Flows from Investing Activities
Tugu Insurance mencatatkan arus kas neto yang Tugu Insurance recorded net cash outflows used for
digunakan untuk aktivitas investasi sebesar Rp335 miliar investing activities amounting to IDR335 thousand as
hingga 31 Desember 2024. Arus kas untuk aktivitas of 31 December 2024. These outflows were primarily
investasi terutama untuk penempatan investasi di aset- allocated to investments in liquid assets, such as
aset likuid seperti efek-efek serta untuk belanja modal marketable securities, and capital expenditures for
kendaraan bermotor. motor vehicles.
Arus Kas dari Aktivitas Investasi (Rp ribu) Pertumbuhan
2024 2023
Cash Flows from Investing Activities (IDR thousands) Growth
Penerimaan Bunga 469.732.911 446.797.913 5%
Interest Received
Penerimaan Dividen 17.261.802 43.395.981 -60%
Dividends Received
Penempatan Investasi, Neto (637.938.482) (2.216.923.649) -71%
Placement of Investment, Net
Perolehan Aset Tetap (184.810.506) (368.082.172) -50%
Acquisition of Fixed Assets
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 169
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Arus Kas dari Aktivitas Investasi (Rp ribu) Pertumbuhan
2024 2023
Cash Flows from Investing Activities (IDR thousands) Growth
Hasil Penjualan Aset Tetap 612.236 21.331 2770%
Proceeds From Sales of Fixed Assets
Perolehan Properti Investasi - (111.869)
Acquisition of Investment Property
Arus Kas Neto yang Digunakan untuk Aktivitas Investasi (335.142.039) (2.094.902.465) -84%
Net Cash Flows Used for Investing Activities
Arus Kas dari Aktivitas Pendanaan Cash Flows Used in Financing Activities
Tugu Insurance mencatatkan arus kas dari aktivitas Tugu Insurance recorded cash flows from financing
pendanaan sebesar Rp254 miliar hingga 31 Desember activities amounting to IDR254 billion as of 31 December
2024. Kontributor terbesar arus kas dari aktivitas 2024. The largest contributor to financing cash flows was
pendanaan adalah pembayaran dividen ke pemegang the payment of dividends to shareholders. Tugu Insurance
saham. Tugu Insurance membagikan dividen dengan rasio distributed dividends with a payout ratio of 40% of the
payout 40% dari laba bersih untuk tahun buku 2023 yang net profit for the 2023 financial year, divided into two
dibagikan ke dalam dua termin, yaitu dividen interim pada installments: an interim dividend in December 2024 and a
Desember 2024 dan dividen tunai pada Mei 2024. cash dividend in May 2024.
Arus Kas dari Aktivitas Pendanaan (Rp ribu) Pertumbuhan
2024 2023
Cash Flows from Financing Activities (IDR thousands) Growth
Pembayaran Dividen (438.257.922) (244.362.381) 79%
Dividends Paid
Pembayaran Pinjaman Diterima (148.655.251) (71.485.703) 108%
Payment of Borrowings
Pencairan Pinjaman Diterima 379.580.927 246.288.544 54%
Proceeds of Borrowings Receiving
Pembiayaan Utang Sewa Pembiayaan Konsumen dan Sewa (19.224.102) (23.102.483) -17%
Pembiayaan
Payment of Consumer Finance and Lease Payable
Pembayaran Bunga Sewa Pembiayaan (21.835.313) (5.278.681) 314%
Payment of Lease Payable Interest
Pembayaran Liabilitas Sewa (6.079.883) (3.440.371) 77%
Payment of Lease Liabilities
Arus Kas Neto yang Digunakan untuk Aktivitas Pendanaan (254.471.544) (101.381.075) 151%
Net Cash Flows Used in Financing Activities
Rasio Profitabilitas dan Rentabilitas Profitability and Rentability Ratios
Selain melakukan monitoring secara berkala pada setiap In addition to conducting regular monitoring of each
akun di laporan posisi keuangan, laba rugi dan arus account in the statements of financial position, profit
kas, manajemen juga terus memantau rasio-rasio yang or loss, and cash flows, management also continuously
berkaitan dengan profitabilitas serta rentabilitas untuk monitors ratios related to profitability and rentability for
segmen asuransi umum maupun reasuransi sesuai both general insurance and reinsurance segments, in
dengan pedoman Surat Edaran Otoritas Jasa Keuangan accordance with the guidelines set forth in the Financial
atau SEOJK No. 1/SEOJK.05/2021. Adapun rasio Services Authority Circular Letter (SEOJK) No. 1/
profitabilitas dan rentabilitas yang disajikan dalam Laporan SEOJK.05/2021. The profitability and rentability ratios
Tahunan ini mengacu pada kinerja konsolidasian dengan presented in this Annual Report are based on consolidated
rincian sebagai berikut: performance, with the details as follows:
170 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Rasio Profitabilitas dan Rentabilitas Konsolidasi
2024 2023
Consolidated Profitability & Rentability Ratios
Loss Rasio 54,4% 62,0%
Loss Ratio
Rasio Beban 38,5% 41,5%
Expenses Ratio
Rasio Operasi Gabungan (COR) 92,9% 103,5%
Combined Operating Ratio (COR)
Rasio Pengembalian Aset (ROA) 2,8% 5,2%
Return on Assets (ROA)
Rasio Pengembalian Ekuitas (ROE) 7,1% 12,6%
Return on Equity (ROE)
Rasio-rasio seperti loss ratio, rasio beban serta rasio Key ratios such as the loss ratio, expense ratio, and
operasi gabungan (COR) menunjukkan perbaikan di tahun combined operating ratio demonstrated improvements
2024 dibandingkan dengan tahun 2023. Manajemen in 2024 compared to 2023. Management attributes this
memandang hal ini sejalan dengan kesuksesan mengelola to the successful implementation of risk management
risiko serta efisiensi operasional yang konsisten dilakukan strategies and consistent operational efficiency within Tugu
di internal organisasi Tugu Insurance. Rasio operasi Insurance’s organization. A combined operating ratio of
gabungan berada di 93% mengindikasikan bahwa Tugu 93% indicates that Tugu Insurance successfully achieved
Insurance mampu mencetak laba underwriting. Hal ini underwriting profits, both at the parent company level
terjadi baik di perusahaan induk maupun perbaikan kinerja and through the improved performance of its reinsurance
anak usaha reasuransi yang dijalankan oleh TuguRe. subsidiary, TuguRe.
Rasio pengembalian aset (ROA) dan rasio pengembalian The return on assets (ROA) and return on equity (ROE)
ekuitas (ROE) mengalami penurunan. Namun hal ini ratios experienced a decline. However, this was primarily
disebabkan oleh faktor yang bersifat kejadian tidak due to non-recurring factors related to litigation. Despite
berulang terkait litigasi. Namun, secara kinerja operasional this, the core operational performance of both the general
inti baik untuk segmen asuransi umum maupun reasuransi insurance and reinsurance segments continued to show
terus menunjukkan perbaikan yang berarti. meaningful improvements.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kemampuan Membayar Kewajiban
Ability to Pay Liabilities
Dalam melihat kemampuan untuk membayar liabilitas In assessing the ability to meet liabilities to policyholders
baik kepada pemegang polis atau nasabah, manajemen or customers, management utilizes a framework of short-
menggunakan kerangka rasio-rasio pemenuhan kewajiban term and long-term liability fulfillment ratios. The details of
jangka pendek maupun jangka panjang. Adapun rincian the short-term and long-term liability fulfillment ratios for
rasio-rasio pemenuhan kewajiban jangka pendek dan both the general insurance and reinsurance segments are
jangka panjang baik untuk segmen asuransi umum presented as follows:
maupun reasuransi ditampilkan sebagai berikut:
Pemenuhan Kewajiban Jangka Pendek
Ability to Pay Short Term Liabilities
Segmen Asuransi Umum Segmen Reasuransi
Rasio Pemenuhan Kewajiban Jangka Pendek General Insurance Segment Reinsurance Segment
Short-Term Liabilities Fulfillment Ratios
2024 2023 2024 2023
Rasio Likuiditas 157% 153% 197% 228%
Liquidity Ratio
Rasio Kecukupan Investasi 590% 541% 126% 125%
Investment Adequacy Ratio
• Rasio pemenuhan kewajiban jangka pendek untuk • The short-term liability fulfillment ratio for the general
segmen asuransi umum dan reasuransi dalam insurance and reinsurance segments was in a
kondisi sehat; healthy condition;
• Rasio Likuiditas segmen asuransi umum dan • The liquidity ratio for the general insurance and
reasuransi di atas 100% menunjukkan jumlah aset reinsurance segments exceeded 100%, indicating
lancar yang melebihi kewajiban lancar sehingga that current assets surpassed current liabilities,
menunjukkan kemampuan Perseroan untuk memenuhi demonstrating the Company’s ability to meet its
kewajiban tepat waktu; dan obligations in a timely manner; and
• Rasio Kecukupan Investasi (RKI) baik untuk segmen • The Investment Adequacy Ratio (IAR) for both the
asuransi umum maupun reasuransi berada di atas general insurance and reinsurance segments was
100% yang menunjukkan tingkat kesehatan keuangan above 100%, reflecting a high level of financial health
yang tinggi untuk memenuhi kewajiban kepada to fulfill obligations to policyholders or customers.
pemegang polis atau nasabah.
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Pemenuhan Kewajiban Jangka Panjang
Ability to Pay Long Term Liabilities
Segmen Asuransi Umum Segmen Reasuransi
Rasio Pemenuhan Kewajiban Jangka Panjang General Insurance Segment Reinsurance Segment
Long-Term Liabilities Fulfillment Ratios
2024 2023 2024 2023
Rasio Pemenuhan Solvabilitas (RBC) 432% 530% 183% 181%
Solvency Fulfillment Ratio (RBC)
Tingkat pemenuhan solvabilitas menggunakan indikator The solvency fulfillment level was measured using the Risk-
Risk-Based Capital (RBC) sebagaimana diatur dalam Based Capital (RBC) indicator as stipulated in the Financial
Peraturan Otoritas Jasa Keuangan No. 71/POJK.05/2016. Services Authority Regulation No. 71/POJK.05/2016.
Per 31 Desember 2024, rasio pemenuhan solvabilitas As of 31 December 2024, the solvency fulfillment ratio
(RBC) untuk segmen asuransi umum dan reasuransi telah (RBC) for the general insurance and reinsurance segments
memenuhi ketentuan minimum yang disyaratkan oleh OJK met the minimum requirement of 120% mandated by the
sebesar 120% dan berada dalam kondisi sehat. Dengan Financial Services Authority (OJK) and was in a healthy
demikian Tugu Insurance tidak memiliki permasalahan condition. Accordingly, Tugu Insurance had no issues
untuk memenuhi kewajiban jangka panjang yang didukung in fulfilling long-term obligations, supported by strong
dengan permodalan yang kuat serta strategi manajemen capitalization and prudent risk management strategies.
risiko yang berhati-hati.
Peringkat
Rating
Kemampuan Tugu Insurance untuk memenuhi kewajiban Tugu Insurance’s capacity to meet its obligations is
tidak hanya dilihat dari sisi internal melalui profil likuiditas evaluated not only through internal assessments of
dan solvabilitas. Namun dari sisi external, A.M Best juga liquidity and solvency profiles but also gained an external
mengafirmasi Rating Kekuatan Keuangan Tugu Insurance recognition. A.M. Best has affirmed the company’s
dengan Predikat A- (Excellent) dan Peringkat Kredit Financial Strength Rating (FSR) A- (Excellent), its Long-Term
Penerbit Jangka Panjang (Long-Term Issuer Credit Rating/ Issuer Credit Rating (Long-Term ICR) at “a-” (Excellent),
Long-Term ICR) sebesar “a-” (Excellent) dan Peringkat and its Indonesia National Scale Rating (NSR) at aaa.
Skala Nasional Indonesia (Indonesia National Scale ID (Exceptional). Demonstrating a strong and stable
Rating/NSR) sebesar aaa.ID (Exceptional). Tugu Insurance performance, Tugu Insurance has successfully maintained
secara konsisten mampu mempertahankan rating global these high global ratings for eight consecutive years,
yang baik selama 8 tahun berturut-turut sejak 2016 hingga from 2016 to 2024. In 2024, A.M. Best assessed Tugu
2024. Di tahun 2024, A.M Best menilai Tugu Insurance Insurance as having a very strong financial balance sheet,
memiliki kekuatan neraca keuangan yang sangat baik supported by moderate investment risk and reinsurance
(very strong) didukung oleh tingkat risiko investasi yang assets that A.M. Best evaluated as having strong
moderat dan aset reasuransi yang dalam penilaian AM credit quality.
Best memiliki kualitas kredit yang baik.
Agensi Pemeringkat Peringkat
Rating Agency Rating
A.M Best • Financial Strength Rating (FSR): A- (Excellent)
• Long-Term Issuer Credit Rating (Long-Term ICR): “a-“ (excellent)
• Indonesia National Scale Rating (NSR): aaa.ID (Exceptional)
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kolektabilitas
Collectability
Tugu Insurance secara berkala terus memantau Tugu Insurance regularly monitors the collectability of
tingkat kolektabilitas piutang dalam rangka untuk receivables to maintain a solid financial liquidity position
mempertahankan posisi likuiditas keuangan yang solid and to identify any potential uncollectible receivables that
serta untuk mengetahui apabila terdapat kemungkinan may need to be written off. In 2024, the collectability level
piutang yang tidak tertagih dan perlu dihapusbukukan. of Tugu Insurance’s receivables improved and at a healthy
Pada 2024, tingkat kolektabilitas piutang Tugu Insurance level. Management believes that the provisions made are
membaik terjaga di level yang sehat dan manajemen sufficient to mitigate future risks.
berpandangan bahwa pencadangan yang dilakukan telah
mencukupi untuk mitigasi risiko ke depan.
Kolektabilitas
2024 2023
Collectability
Rasio Perputaran Piutang (Hari) 33 56
Receivables Turnover Ratio (Days)
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Struktur dan Pengelolaan Modal
Capital Structure and Management
Struktur Modal
Capital Structure
Struktur permodalan Tugu Insurance secara konsolidasi The capital structure of Tugu Insurance at a consolidated
per 31 Desember 2024 disajikan sebagai berikut: levels as of 31 December 2024, is presented as follows:
EKUITAS (Rp ribu)
2024 2023
EQUITY (IDR thousands)
Modal Saham 177.778.780 177.778.780
Share Capital
Tambahan Modal Disetor 625.460.209 625.460.209
Additional Paid in Capital
Selisih Kurs Penjabaran Laporan Keuangan (32.356.770) (37.679.259)
Translation Adjustments
Selisih Transaksi antara Pemegang Saham Entitas Anak 105.555.883 105.555.883
Difference In Transaction Between Shareholders of a Subsidiary
Keuntungan yang belum Direalisasi atas Efek-Efek yang Tersedia untuk Dijual, Neto (95.569.506) 8.409.087
Unrealized Gains on Available-For-Sale Marketable Securities, Net
Surplus Revaluasi Aset Tetap, Neto 1.998.384.997 2.027.351.117
Fixed Assets Revaluation Surplus
Saldo Laba sudah Ditentukan Penggunaannya 413.313.271 413.313.271
Appropriated Retained Earnings
Saldo Laba belum Ditentukan Penggunaannya 6.578.903.836 6.262.074.018
Unappropriated Retained Earnings
Sub-Jumlah Ekuitas yang dapat Diatribusikan kepada Pemilik Entitas Induk 9.771.470.700 9.582.263.106
Equity Attributable to Equity Holders of the Parent
Kepentingan Non-Pengendali 737.078.872 697.595.127
Non-Controlling Interest
Jumlah Ekuitas 10.508.549.572 10.279.858.233
Total Equity
Kebijakan Pengelolaan Modal
Capital Management Policy
Tugu Insurance menerapkan kebijakan permodalan yang Tugu Insurance adopts a capital policy designed to
bertujuan untuk secara hati-hati memenuhi persyaratan prudently meet regulatory capital requirements, diversify
modal regulasi, mendiversifikasi sumber permodalan funding sources to support long-term strategic objectives,
guna mendukung rencana strategis jangka panjang, serta and allocate capital effectively to business segments with
mengalokasikan modal secara efektif pada segmen bisnis strong potential for optimal risk-return profiles. This policy
dengan potensi profil risiko-keuntungan yang optimal. also includes strategic investments and equity placements
Kebijakan ini juga mencakup investasi strategis dan in subsidiaries to address the needs and expectations of
penyertaan modal pada entitas anak untuk memenuhi stakeholders, including regulators and investors.
kebutuhan serta harapan pemangku kepentingan,
termasuk regulator dan investor.
Tugu Insurance memastikan bahwa struktur Tugu Insurance ensures that its capital structure remains
permodalannya tetap kokoh untuk mengelola risiko kredit, robust, enabling it to effectively manage credit, market,
risiko pasar, dan risiko operasional. Hal ini dilakukan baik and operational risks. This approach supports sustainable
untuk mendukung pertumbuhan bisnis dalam kondisi business growth under normal economic conditions while
ekonomi normal maupun untuk menghadapi kemungkinan preparing for potential economic challenges or stress
tekanan atau tantangan ekonomi di masa mendatang. scenarios in the future.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Ikatan Material untuk Investasi Barang Modal
Material Commitment for Capital Expenditure
Tugu Insurance tidak memiliki ikatan material untuk Tugu Insurance did not have any material commitments for
investasi barang modal pada tahun buku 2024. Oleh capital expenditure investments in the 2024 fiscal year.
karena itu, Perseroan tidak menyajikan informasi terkait Consequently, the Company does not provide information
hal tersebut, yang mencakup: related to such matters, including:
• Nama pihak yang terlibat dalam ikatan; • The name of the parties involved in the commitment;
• Tujuan dari perikatan tersebut; • The purpose of the commitment;
• Sumber dana yang telah disiapkan untuk memenuhi • The funding sources prepared to fulfill the commitment;
perikatan tersebut;
• Denominasi mata uang yang digunakan dalam • The currency denomination used in the commitment;
perikatan tersebut; dan and
• Langkah-langkah strategis yang direncanakan oleh • Strategic measures planned by the Company to
Perseroan untuk mengelola risiko dari eksposur mata mitigate risks related to foreign exchange exposure
uang asing yang terkait. associated with the commitment.
Realisasi Investasi Barang Modal
Realization of Capital Expenditure
Investasi Barang Modal
Capital Expenditure
Tugu Insurance secara berkelanjutan merealisasikan Tugu Insurance consistently undertakes capital expenditure
investasi barang modal setiap tahun sebagai bagian investments each year as part of its commitment
dari komitmennya untuk mendukung operasional dan to supporting long-term business operations and
pengembangan bisnis jangka panjang. Investasi ini development. These investments involve the allocation of
mencakup pengeluaran dana untuk pengadaan aset atau funds to acquire assets or strategic investments expected
investasi strategis yang diharapkan mampu memberikan to deliver sustainable benefits and enhance the company’s
manfaat berkelanjutan dan meningkatkan daya saing competitive edge in the future.
perusahaan di masa depan.
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Realisasi Investasi Barang Modal 2024
Realization of Capital Expenditure in 2024
Berikut adalah realisasi investasi barang modal Tugu The following is the realization of Tugu Insurance’s capital
Insurance di tahun 2024, berdasarkan jenis dan nilainya: expenditure investments in 2024, categorized by type
and value:
Realisasi Investasi Barang Modal (Rp juta)
2024 2023
Realization of Capital Expenditure (IDR million)
Kendaraan Bermotor 436.179 288.576
Vehicles
Pengembangan Sistem Informasi 28.416 34.822
Information System Development
Renovasi Gedung Perkantoran 0 29.809
Office Building Renovation
Peralatan Computer 527 11.734
Computer Equipment
Gedung, Mebel dan Peralatan Kantor 152 3.141
Building, Furniture and Stationeries
Peruntukan Barang Modal
Capital Expenditure Allocation
• Pembelian kendaraan memberikan kontribusi terbesar • The purchase of vehicles contributed the largest share
dalam realisasi investasi barang modal di 2024. to the realization of capital expenditure in 2024.
Pembelian kendaraan dimaksudkan untuk menunjang This purchase was intended to support the long-term
rencana bisnis jangka panjang penyewaan maupun business plans of PT Pratama Mitra Sejati, a subsidiary
penjualan kendaraan yang dilakukan oleh PT Pratama of Tugu Insurance, in vehicle leasing and sales;
Mitra Sejati, sebagai anak usaha Tugu Insurance;
• Pengembangan sistem informasi digunakan untuk • The development of information systems was
menunjang strategi bisnis jangka panjang Tugu undertaken to support Tugu Insurance’s long-term
Insurance dalam rangka ekspansi ke segmen ritel business strategy aimed at expanding into the retail
melalui penyediaan platform teknologi yang dapat segment by providing a technology platform accessible
diakses langsung oleh nasabah. Hal ini bertujuan directly by customers. This initiative sought to enhance
untuk meningkatkan efisiensi akuisisi nasabah efficiency in acquiring retail customers while simplifying
ritel sekaligus simplifikasi bisnis proses terutama business processes, particularly in underwriting, to
underwriting dalam rangka pengelolaan risiko; improve risk management;
• Renovasi gedung perkantoran ditujukan untuk menjaga • Office building renovations were carried out to preserve
nilai dari aset tetap perseroan, realisasi hanya terjadi the value of the company’s fixed assets; and the
di 2023,sementara tidak dianggarkan pada tahun realization only occurred in 2023, while it was not
2024; dan budgeted for in 2024; and
• Peralatan komputer, gedung, mebel dan kantor • Purchased of computer equipment, buildings, furniture,
ditujukan untuk menunjang aktivitas operasional and office supplies were made to support the
Tugu Insurance. operational activities of Tugu Insurance.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi Material Terkait Investasi,
Ekspansi, Divestasi, Akuisisi dan
Restrukturisasi Utang/Modal
Material Information Related to Investment, Expansion,
Divestment, Acquisition and Debt/Capital Restructuring
Tugu Insurance tidak melakukan aktivitas investasi, Tugu Insurance did not engage in any material investment,
ekspansi, divestasi, akuisisi, dan restrukturisasi utang expansion, divestment, acquisition, or debt and/or capital
dan/atau modal yang bersifat material di sepanjang 2024. restructuring activities throughout 2024.
Tugu Insurance telah melakukan divestasi kepemilikan Tugu Insurance completed the divestment of its
saham di PT Asuransi Staco Mandiri pada Agustus 2024. shareholding in PT Asuransi Staco Mandiri in August 2024.
Seluruh saham PT Asuransi Staco Mandiri yang dimiliki All shares of PT Asuransi Staco Mandiri, representing
oleh Tugu Insurance melalui anak usaha yaitu PT Tugu 5.28%, which were owned by Tugu Insurance through its
Pratama Interindo sebanyak 5,28% telah dialihkan dan subsidiary, PT Tugu Pratama Interindo, were transferred
tidak lagi dicatat sebagai bagian dari investasi pada and are no longer recorded as part of direct investment
penyertaan langsung. Namun transaksi divestasi ini tidak holdings. However, this divestment transaction did not
bersifat transaksi material sebagaimana tertuang dalam qualify as a material transaction as defined under the
Peraturan Otoritas Jasa Keuangan No. 17/POJK.04/2020. Financial Services Authority Regulation (POJK) No. 17/
POJK.04/2020.
Seluruh informasi material sebagaimana disebutkan dalam
Peraturan Otoritas Jasa Keuangan No. 31/POJK.04/2015 All material information, as stipulated in the Financial
telah disampaikan oleh Tugu Insurance melalui Services Authority Regulation (POJK) No. 31/
Keterbukaan Informasi yang disampaikan dan diunggah ke POJK.04/2015, has been duly disclosed by Tugu Insurance
situs resmi Bursa Efek Indonesia. through Information Disclosure submitted and uploaded to
the official website of the Indonesia Stock Exchange.
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Audited Report
Penjualan dan Pemasaran
Sales and Marketing
Pangsa Pasar
Market Share
Tugu Insurance mencatatkan total premi bruto Tugu Insurance recorded a consolidated gross premium
konsolidasian sebesar Rp8,5 miliar pada 2024 atau total of IDR8,5 billion in 2024, reflecting an 11% growth
tumbuh 11% dibandingkan dengan tahun 2023. Apabila compared to 2023. When analyzed by business segment,
ditinjau dari masing-masing segmen usaha, baik untuk both the general insurance and reinsurance segments
segmen asuransi umum maupun reasuransi, adapun show the following details:
rinciannya sebagai berikut:
• Total premi bruto Tugu Insurance (induk) mencapai • The total gross premium of Tugu Insurance
Rp5,7 triliun per 31 Desember 2024 atau setara (parent company) reached IDR5,7 trillion as of 31
dengan pangsa pasar 4% dari total premi bruto yang December 2024, equivalent to a 4% market share
dicatatkan oleh industri asuransi umum; dan of the total gross premium recorded by the general
insurance industry.
• Total premi bruto TuguRe yang mengelola usaha • The total gross premium of TuguRe, which manages
reasuransi Perseroan mencapai Rp2,5 triliun per the Company’s reinsurance business, reached IDR2,5
31 Desember 2024 atau setara dengan pangsa trillion as of 31 December 2024, equivalent to a 2%
pasar 2% dari total premi bruto yang dicatatkan oleh market share of the total gross premium recorded by
industri reasuransi. the reinsurance industry.
Aviation Hull Marine Hull Energy Offshore Marine Cargo Engineering
Rank 1 Rank 1 Rank 2 Rank 5 Rank 3
of 16 of 50 of 8 of 68 of 66
Property Energy Onshore
Rank 2 Rank 5
of 71 of 12
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Strategi Pemasaran
Marketing Strategy
Untuk semakin memperkuat posisi Tugu Insurance di To further strengthen Tugu Insurance’s position in the
pasar, manajemen telah memformulasikan strategi market, management has formulated a marketing strategy
pemasaran yang fokus pada tiga aspek utama yaitu focused on three key aspects: strengthening the captive
penguatan bisnis captive dan ekspansi ke bisnis non- business, expanding into non-captive business for
captive untuk layanan korporat serta penetrasi ke corporate services, and penetrating the retail segment.
segmen ritel.
Penguatan Bisnis Captive Strengthening the Captive Business
Fokus strategi pemasaran adalah peningkatan kualitas The marketing strategy focuses on enhancing service
layanan dan optimalisasi bisnis menyasar ekosistem quality and optimizing business opportunities by targeting
Grup Pertamina. the Pertamina Group ecosystem.
Ekspansi ke Bisnis Non-Captive Expansion into Non-Captive Business
Strategi pemasaran yang fokus untuk memperkuat The marketing strategy aims to strengthen synergies
sinergi dengan ekosistem BUMN maupun swasta lain with the ecosystems of state-owned enterprises (BUMN)
dengan tetap memperhatikan prinsip kehati-hatian dalam and other private entities while adhering to prudent risk
pengelolaan risiko. management principles.
Penetrasi ke Segmen Ritel Penetration into the Retail Segment
Fokus utama strategi pemasaran ke segmen ritel atau The primary focus of the marketing strategy for the retail
mass market adalah dengan penawaran produk asuransi or mass market segment is offering relevant insurance
yang relevan dengan tetap memperhatikan aspek efisiensi products while maintaining cost-efficiency in customer
biaya akuisisi nasabah terutama melalui: acquisition. This is achieved through:
• Optimalisasi kanal distribusi dan PoSS; • Optimization of distribution channels and Points of
Sales and Services (PoSS);
• Kemitraan strategis dengan pemain di sektor ritel, • Strategic partnerships with players in the retail sector,
perusahaan multi-finance, dealer serta mitra bank; dan multi-finance companies, dealers, and partner banks;
and
• Transformasi digital penyediaan aplikasi seperti t • Digital transformation through the development of
ride dan t drive serta website untuk nasabah dapat applications such as t ride and t drive, as well as a
mengakses langsung produk maupun layanan yang customer-accessible website, enabling direct access to
disediakan oleh Tugu Insurance. Tugu Insurance’s products and services.
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Audited Report
Dampak Perubahan Harga terhadap
Penjualan/Pendapatan Perusahaan
The Impact of Price Changes on the Company’s Sales/Revenue
Sepanjang tahun 2024, tidak terdapat dampak yang Throughout 2024, there was no significant impact of
signifikan dari perubahan harga terhadap penjualan/ price changes on the company’s sales/revenue. However,
pendapatan perseroan. Namun Tugu Insurance terus Tugu Insurance consistently monitors various economic
memantau berbagai indikator ekonomi maupun data- indicators and industry data, which are subsequently used
data industri yang selanjutnya dijadikan sebagai acuan as references for formulating the company’s business
untuk formulasi strategi bisnis perseroan. Berikut strategies. The following indicators are regularly monitored:
adalah indikator-indikator yang secara berkala menjadi
fokus pemantauan:
• Pertumbuhan ekonomi; • Economic growth;
• Tingkat suku bunga acuan; • Benchmark interest rates;
• Laju inflasi; • Inflation rate;
• Tingkat suku bunga obligasi; • Bond interest rates;
• Pergerakan kurs nilai tukar; • Exchange rate movements;
• Pergerakan IHSG; • IHSG (Indonesia Stock Exchange Composite Index)
performance;
• Harga komoditas terutama energi; • Commodities price particularly energy;
• Premi industri asuransi umum dan reasuransi; • Premiums in the general insurance and
reinsurance industry;
• Klaim industri asuransi umum dan reasuransi; • Claims in the general insurance and
reinsurance industry;
• Penjualan kendaraan bermotor; dan • Motor vehicle sales; and
• Perkembangan pasar property. • Property market developments.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Strategi, Target dan Realisasi 2024
Strategies, Target and Realization 2024
Formulasi Strategi 2024
2024 Strategy Formulation
Dinamika ekonomi global yang menantang di sepanjang The challenging global economic dynamics throughout
2024 serta volatilitas di pasar keuangan yang tinggi 2024, combined with high volatility in financial markets,
menjadi risiko tersendiri untuk pelaku usaha asuransi pose significant risks for insurance and reinsurance
maupun reasuransi dalam mengelola aset dan liabilitas. players in managing assets and liabilities. Amid these
Di tengah berbagai tantangan yang ada, ketahanan sistem challenges, the resilience of the national financial
keuangan nasional tetap terjaga. Sektor asuransi umum system remained intact, with the general insurance and
dan reasuransi tetap tumbuh dan berdaya tahan. reinsurance sectors continuing to grow and demonstrated
strong resilience.
Merespons berbagai dinamika yang ada, Tugu Insurance In response to these dynamics, Tugu Insurance has
telah melakukan formulasi strategi yang tepat dengan formulated a precise strategy, embodying a spirit of
semangat untuk tetap melangkah maju di 2024 dengan readiness to move forward in 2024. Tugu Insurance
kesiapan yang memadai. Aspirasi Tugu Insurance untuk aspires to become the number one general insurance
menjadi perusahaan asuransi umum nomor 1 di Indonesia company in Indonesia, targeting gross premiums of more
diejawantahkan menjadi strategi bisnis yang feasible untuk than IDR10 trillion and net profits exceeding IDR850
mencapai target jangka panjang tersebut. billion by 2029. This aspiration has been translated into a
feasible business strategy to achieve its long-term goals.
Adapun strategi Tugu Insurance untuk tahun 2024 fokus Tugu Insurance’s 2024 strategy focused on five key pillars
pada 5 pilar utama untuk menjawab tantangan di industri to address industry challenges:
yang meliputi:
Pertumbuhan Bisnis
Business Growth
Dalam rangka mencapai target jangka panjang In order to achieve the Company’s long-term targets,
Perusahaan, Tugu Insurance secara grup telah Tugu Insurance, as a group, has formulated a strategy
memformulasikan strategi untuk menumbuhkan bisnis to grow its insurance business effectively. This strategy
asuransi yang efektif, yaitu dengan melakukan optimalisasi involves optimizing captive business as the main sector,
bisnis captive sebagai sektor utama, menumbuhkan dan expanding and developing non-captive business, including
mengembangkan bisnis non-captive termasuk penetrasi penetrating the retail segment, and expanding the
segmen ritel serta ekspansi bisnis reasuransi. reinsurance business.
Aksi Korporasi melalui Reinvestasi
Corporate Actions through Reinvestment
Tidak hanya berfokus pada pertumbuhan organik, Not only focusing on organic growth, Tugu Insurance
Tugu Insurance juga melakukan aksi dalam rangka also takes strategic actions to strengthen its inorganic
menumbuhkan penguatan bisnis anorganik, yaitu dengan business growth by developing insurance based on
pengembangan asuransi yang berbasis prinsip syariah Sharia principles, which has promising prospects. On
yang memiliki prospek cerah. Di sisi lain, Tugu Insurance the other hand, Tugu Insurance continues to strengthen
juga terus memperkuat anak usaha yang bergerak its subsidiaries operating in the general insurance,
di sektor asuransi umum, reasuransi maupun sektor reinsurance, and non-insurance sectors.
non-asuransi.
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Audited Report
Transformasi Aset
Asset Transformation
Sebagai perusahaan yang bergerak di sektor keuangan, As a financial sector company, Tugu Insurance recognizes
Tugu Insurance memahami bahwa pengelolaan aset that making assets more productive is a key pillar
menjadi lebih produktif menjadi salah satu tonggak in delivering added value to shareholders. The focus
utama untuk memberikan nilai tambah bagi pemegang of asset transformation strategies in 2024 included
saham. Fokus strategi transformasi aset di 2024 optimizing investments in financial instruments,
adalah untuk meningkatkan imbal hasil yang dilakukan focusing on receivables management to support solid
melalui optimalisasi investasi pada instrumen keuangan, corporate liquidity, and implementing property asset
fokus pengelolaan piutang untuk mendukung likuiditas management strategies to generate more attractive and
perusahaan yang solid hingga strategi manajemen aset competitive returns.
properti untuk memberikan imbal hasil yang lebih menarik
serta kompetitif.
Transformasi Sumber Daya Manusia
People Transformation
Tugu Insurance memahami bahwa Sumber Daya Manusia Tugu Insurance understands that Human Resources (HR)
(SDM) merupakan aspek yang penting dalam organisasi. is a crucial aspect of the organization. To achieve its
Untuk mencapai tujuan jangka panjang, kualitas SDM perlu long-term goals, the quality of HR must be continuously
senantiasa untuk ditingkatkan agar lebih adaptif dalam improved to become more adaptive in addressing various
menjawab berbagai tantangan dalam mewujudkan visi challenges in realizing the company’s vision of becoming
perusahaan untuk menjadi perusahaan asuransi umum the number one general insurance company in Indonesia.
nomor 1 di Indonesia. Fokus strategi transformasi SDM Tugu Insurance’s HR transformation strategy in 2024
Tugu Insurance di 2024 melalui pemetaan kebutuhan focuses on mapping future talent needs, planning and
talenta masa depan, perencanaan dan suksesi, succession, acquiring top talent and employer branding,
akuisisi talenta unggul dan employer branding hingga as well as developing top talent and implementing talent
pengembangan talenta unggul dan strategi retensi retention strategies.
talenta unggul.
Transformasi Proses dan Manajemen Risiko
Process Transformation and Risk Management
Transformasi proses memegang peranan penting dalam Process transformation plays a crucial role in cost
efisiensi biaya. Selain itu, proses juga berkaitan erat efficiency and is also closely related to risk management.
dengan manajemen risiko. Oleh sebab itu, Tugu Insurance Therefore, Tugu Insurance has formulated a process
telah memformulasikan strategi transformasi proses dan transformation and risk management strategy for 2024.
manajemen risiko di 2024 dengan agenda utama meliputi The key agenda includes automation and digitization of
otomatisasi dan digitalisasi proses untuk membentuk processes to build a robust digital business ecosystem,
ekosistem bisnis digital yang handal, menciptakan budaya fostering a data-driven decision-making culture,
pengambilan keputusan berbasis data, melakukan standardizing and implementing quality control for critical
standardisasi dan quality control untuk proses bisnis business processes, enhancing customer response and
yang critical, meningkatkan respons dan komunikasi communication, as well as conducting risk assessments
dengan pelanggan serta melalukan penilaian risiko dan and mitigation.
penanganannya.
Strategi-strategi ini mencerminkan komitmen Tugu These strategies reflect Tugu Insurance’s commitment to
Insurance dalam menghadapi tantangan industri overcoming industry challenges and achieving sustainable
dan mencapai pertumbuhan berkelanjutan sekaligus growth while maintaining its position as a leading general
mempertahankan posisinya sebagai perusahaan asuransi insurance company in Indonesia.
umum terkemuka di Indonesia.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Become the number one
general insurance company in Indonesia
1 2 3 4 5
5 P I L L A R O F S T R A T E G Y
Growth Corporate Asset People Process
of Business Action by Transformation Transformation Transformation
Reinvestment & Risk
Management
Optimizing Captive Forecasting Future Automation & Process Digitalization
Takaful Property Divestment
Business as Core Sectors Talent Need to Develop Business Ecosystem
Non Captive Business Receivable Management Manpower & Succesion Building Data-based
Life Insurance
Expansion & Growth Acceleration Planning Decision Making Culture
Reinsurance Business Financial Instrument Talent Acquisition & Standardization &
Reinsurance
Expansion Investment Optimization Employer Branding Quality Control
Employee Development, Increasing Customer Response &
Overseas Business
Retention, & Attrition Communication
Risk Assessment &
Subsidiaries
Risk Treatment
Target dan Realisasi 2024
2024 Targets and Realization
Tugu Insurance telah menyusun Rencana Kerja dan Tugu Insurance had prepared its Corporate Work Plan
Anggaran Perusahaan (RKAP) untuk 2024 yang berisi and Budget (RKAP) for 2024, outlining various targets
berbagai target yang perlu untuk dicapai di tahun to be achieved during the year. Despite the challenges,
tersebut. Di tengah berbagai tantangan yang ada, Tugu Tugu Insurance successfully exceeded the set targets,
Insurance mampu melampaui target-target yang telah particularly in terms of gross premium growth, loss ratio,
ditetapkan terutama untuk aspek pertumbuhan premi expense ratio, and combined operating ratio (COR).
bruto, rasio loss, rasio beban dan rasio operasi gabungan However, income for the year experienced a decline,
(COR). Sementara untuk laba tahun berjalan mengalami primarily due to non-recurring factors, namely a one-time
penurunan yang lebih disebabkan oleh faktor yang tidak income from a litigation case with Citibank N.A. The details
berulang karena adanya pendapatan sekali waktu dari are as follows:
kasus litigasi dengan Citibank N.A. Berikut rinciannya:
2024
Indikator (Konsolidasi)
Indicators (Consolidated) Target Realisasi
Target Realization
Pertumbuhan Premi Bruto 6% 10,7%
Gross Premium Growth
Rasio Loss <60% 54,4%
Loss Ratio
Rasio Beban <50% 38,5%
Expense Ratio
Rasio Operasi Gabungan (COR) <90% 92,9%
Combined Operating Ratio (COR)
Pertumbuhan Laba Tahun Berjalan -17% -42,3%
Income for the Year Growth
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Audited Report
Prospek Usaha dan Pedoman 2025
Business Outlook and Guidance for 2025
Prospek Usaha
Business Outlook
Tahun 2025 masih akan menjadi tahun yang menantang The year 2025 is expected to remain challenging for
untuk perekonomian global. Kondisi geopolitik yang the global economy. Geopolitical conditions, marked by
ditandai dengan adanya fragmentasi menimbulkan risiko fragmentation, pose risks to supply chains. The U.S.
untuk rantai pasok. Kebijakan Presiden Donald Trump President Donald Trump’s protectionist policies have also
yang proteksionis turut berdampak pada kebijakan impacted monetary policies, with the risk of rising inflation.
moneter dengan adanya risiko kembali meningkatnya Consequently, as stated by the Federal Reserve, the room
inflasi. Dengan demikian ruang pemangkasan suku bunga for further interest rate cuts may become more limited.
lanjutan berpotensi menjadi lebih terbatas sebagaimana
dikemukakan oleh The Fed.
Ekonomi Indonesia diperkirakan tetap tumbuh solid sesuai Indonesia’s economy is projected to continue growing
dengan laju intrinsik historisnya. Kebijakan pemerintah solidly, consistent with its historical intrinsic pace. The
Presiden Prabowo Subianto untuk mendorong ekonomi economic policies of President Prabowo Subianto, aimed
tumbuh 8% turut meningkatkan optimisme pelaku pasar. at achieving 8% growth, have fostered optimism among
Di sisi lain, kebijakan pertumbuhan ekonomi 8% juga market players. On the other hand, this growth target
menciptakan peluang untuk sektor jasa keuangan dan creates opportunities for the financial services and
asuransi. Peran asuransi terutama asuransi umum akan insurance sectors. The role of insurance, particularly
semakin sentral terutama dalam pengelolaan risiko untuk general insurance, is becoming increasingly central,
mencapai pertumbuhan yang berkelanjutan. Merespons especially in managing risks to achieve sustainable
kebutuhan tersebut, Otoritas Jasa Keuangan (OJK) telah growth. In response to these needs, the Financial Services
menyiapkan kebijakan yang digunakan untuk memperkuat Authority (OJK) has introduced policies to strengthen the
sektor asuransi lewat penguatan modal serta pemisahaan insurance sector through capital reinforcement and the
unit bisnis syariah separation of Sharia business units.
Menyongsong tahun 2025 dengan berbagai tantangan As Tugu Insurance approaches 2025 amidst these
yang ada, Tugu Insurance tetap optimis untuk melangkah challenges, the Company remains optimistic about
maju dengan berbagai inisiatif untuk tetap memberikan advancing with various initiatives to continue delivering
nilai tambah bagi seluruh pemangku kepentingan. Adapun added value to all stakeholders. The Company’s strategic
langkah-langkah strategis yang diambil Perseroan untuk steps for 2025 are as follows:
tahun 2025 adalah sebagai berikut:
• Penguatan strategi manajemen aset dan liabilitas • Strengthening asset-liability management strategies
serta pengelolaan risiko dengan prinsip kehati-hatian and prudent risk management, particularly in navigating
terutama dalam menghadapi fluktuasi harga aset financial asset price fluctuations and pressure on the
keuangan serta tekanan terhadap nilai tukar rupiah; rupiah exchange rate;
• Melanjutkan upaya pemisahaan Unit Usaha Syariah • Continuing the separation of the Sharia Business Unit
(UUS) sesuai dengan Peraturan Otoritas Jasa (UUS) in compliance with Financial Services Authority
Keuangan (POJK) No. 11 Tahun 2023; Regulation (POJK) No. 11 of 2023;
• Optimalisasi anak perusahaan dan imbal hasil • Optimizing asset returns, including divesting
aset, termasuk melalui pelepasan aset yang underperforming assets;
kurang produktif;
• Penerapan PSAK 117 serta peningkatan sistem secara • Implementing PSAK 117 and enhancing systems
efektif untuk memastikan aspek kepatuhan dan effectively to ensure compliance and transparency; and
transparansi; dan
• Peluncuran situs resmi perseroan untuk memberikan • Launching the Company’s official website to provide
akses kepada nasabah ritel dalam melakukan retail customers with easier access to purchase
pembelian produk asuransi yang dibutuhkan. necessary insurance products.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 185
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pedoman 2025
2025 Guidance
Mempertimbangkan berbagai perkembangan di atas, Considering the various developments mentioned above,
Tugu Insurance telah menyusun pedoman untuk kinerja Tugu Insurance has formulated guidance for the Company’s
Perseroan pada 2025 dengan premi diharapkan tumbuh performance in 2025, with premiums expected to grow
11,6%; rasio loss di 58,9%; rasio operasi kombinasi (COR) by 11.6%, a loss ratio of 58.9%, a combined operating
di 99,5% dan laba tahun berjalan -16%. Manajemen akan ratio (COR) of 99.5%, and a net profit decline -16%. The
berupaya semaksimal mungkin untuk mengoptimalkan management is committed to making every possible
kinerja Perseroan di masa mendatang. effort to optimize the Company’s performance in the
years ahead.
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Audited Report
Dividen
Dividend
Kebijakan Dividen
Dividend Policy
Sesuai dengan yang tercantum dalam Prospektus As stated in the Initial Public Offering (IPO) Prospectus, the
Penawaran Umum Perdana Saham, manajemen management established a policy to distribute dividends
menetapkan kebijakan untuk membayarkan dividen hingga of up to 30% of consolidated net income, starting from
30% dari laba bersih konsolidasi, dimulai sejak tahun buku the 2017 fiscal year. The amount is adjusted based on
2017. Besaran dividen disesuaikan dengan keuntungan annual profits, the Company’s financial health, and General
tahun berjalan, kondisi keuangan perusahaan, dan Meeting of Shareholders (GMS) decisions per the Articles
Keputusan Rapat Umum Pemegang Saham (RUPS) sesuai of Association.
Anggaran Dasar Perseroan.
Faktor-faktor yang memengaruhi pembagian dividen Factors influencing dividend distribution include net
mencakup laba bersih, dana cadangan, kebutuhan income, reserves, capital expenditure needs, cash flow,
belanja modal, arus kas, serta keberhasilan pelaksanaan and the success of business strategies. Most of these
strategi bisnis. Sebagian besar faktor ini berada di luar factors are beyond the Company’s control.
kendali perusahaan.
Pembagian Dividen
Dividend Payment
Sejak Penawaran Umum Perdana Saham, Tugu Insurance Since its Initial Public Offering (IPO), Tugu Insurance
secara konsisten memberikan dividen kepada pemegang has consistently distributed dividends to shareholders
saham sebagai bentuk komitmen untuk memberikan nilai as a commitment to delivering added value. Below is
tambah kepada pemegang saham. Berikut adalah rincian the detailed breakdown of Tugu Insurance’s dividend
pembagian dividen Tugu Insurance dalam tiga tahun distribution over the past 3 years, as approved by the
terakhir yang telah mendapat persetujuan Rapat Umum Annual General Meeting of Shareholders (AGMS) during
Pemegang Saham Tahunan (RUPST) dalam periode 3 this period:
tahun terakhir:
Nilai Dividen Tunai Rasio Payout Dividen per Saham
Tanggal Tanggal
Tahun Buku (Rp ribu) Dividen (Rp)
Pengumuman Pembayaran
Fiscal Year Cash Dividend Paid Dividend Payout Dividend per Share
Announcement Date Payment Date
(IDR thousands) Ratio (IDR)
2021 19 Mei 2022 16 Juni 2022 126.592.141 40% 71,2
19 May 2022 16 June 2022
2022 3 Mei 2023 26 Mei 2023 138.860.307 40% 78,1
3 May 2023 26 May 2023
2023* 2 Mei 2024 29 Mei 2024 528.957.524 40% 148,8
2 May 2024 29 May 2024
*Termasuk pembayaran dividen interim pada 20 Desember 2023
*Including interim dividend paid on 20 December 2023
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 187
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Penggunaan Dana Hasil Penawaran Umum
The Use of Proceeds from Public Offerings
Dana yang Diperoleh dari Penawaran Umum Perdana Saham
Funds Raised from Initial Public Offering (IPO)
Pada 28 Mei 2018, Perseroan melakukan aksi korporasi On 28 May 2018, the Company conducted a corporate
berupa Penawaran Umum Perdana Saham (IPO) dengan action in the form of an Initial Public Offering (IPO) by
menerbitkan 177.777.800 saham baru atas nama dari issuing 177,777,800 new shares from the portfolio,
portepel yang setara dengan 10% dari modal ditempatkan representing 10% of the issued and paid-up capital. The
dan disetor dengan harga nominal Rp100 per saham dan shares were offered to the public at a nominal price of
ditawarkan ke publik dengan harga Rp3.850 per saham. IDR100 per share and an offering price of IDR3,850
Total dana yang berhasil dihimpun dari aksi korporasi ini per share. The total funds raised from this corporate
adalah Rp684.444.530 ribu dan setelah dikurangi dengan action amounted to IDR684,444,530 thousand. After
berbagai biaya, total dana terkumpul bersih adalah senilai deducting various expenses, the net proceeds were
Rp658.702.171 ribu. IDR658,702,171 thousand.
Penawaran Umum Saham Perdana (Rp ribu)
Initial Public Offering (IDR Thousands)
Jumlah Hasil Penawaran Umum 684.444.530
Total Proceeds from Public Offering
Jumlah 25.742.359
Total
Jasa Penjamin Emisi 14.041.101
Underwriting Fees
Biaya BEI dan KSEI 363.368
IDX and KSEI Fees
Jasa Akuntan Publik 1.123.760
Public Accountant Services
Jasa Notaris 132.000
Notary Services
Biaya Penawaran Umum Jasa Penilai 649.423
Public Offering Costs Valuation Services
Jasa Biro Administrasi Efek 136.000
Securities Administration Bureau Services
Biaya Akuntan 95.373
Accounting Fees
Biaya Lain-lain 7.365.020
Miscellaneous Costs
Jasa Kantor Hukum 1.499.414
Legal Office Services
Jasa Konsultan Lain-lain 336.900
Other Consultant Services
Hasil Bersih 658.702.171
Net Proceeds
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Audited Report
Rencana Alokasi Penggunaan Dana yang Diperoleh dari
Penawaran Umum Perdana Saham
Planned Allocation of Funds Raised from the Initial Public Offering (IPO)
Mengacu pada Prospektus Penawaran Umum Perdana Referring to the Initial Public Offering (IPO) Prospectus, the
Saham Perseroan, dana yang dihimpun setelah dikurangi funds raised, net of expenses, will be allocated as follows:
dengan biaya-biaya akan dialokasikan dengan rincian
sebagai berikut:
1. Sekitar 70% akan digunakan untuk memperkuat 1. Approximately 70% will be used to strengthen
modal Perseroan dalam rangka pengembangan bisnis the Company’s capital for business development,
Perseroan sebagai berikut: detailed as:
a. Sekitar 40% untuk pengembangan infrastruktur a. Around 40% for developing the Company’s
pemasaran Perseroan; marketing infrastructure;
b. Sekitar 40% untuk pengembangan infrastruktur b. Around 40% for developing information technology
teknologi informasi dan operasional lainnya; dan and other operational infrastructure; and
c. Sekitar 20% untuk re-branding dan promosi c. Around 20% for rebranding and promoting the
produk Perseroan. Company’s products.
2. Sekitar 30% akan digunakan untuk pengembangan 2. Approximately 30% will be used for business
usaha dalam bentuk peningkatan penyertaan modal development in the form of additional capital
pada Entitas Anak yaitu TuguRe melalui Interindo untuk investment in the Subsidiary, TuguRe, through Interindo,
memperkuat modal di bidang reasuransi. to strengthen its reinsurance capital.
Realisasi Penggunaan Dana
Realization of Proceeds Utilization
Hingga 31 Desember 2024, Perseroan telah As of 31 December 2024, the Company had utilized
merealisasikan sebanyak Rp586.091.520 ribu atau IDR586,091,520 thousand, equivalent to 89% of the
setara 89% dari dana bersih setelah dikurangi biaya yang net proceeds after deducting expenses raised from
dihimpun dari Penawaran Umum Perdana Saham. Ke the Initial Public Offering (IPO). Going forward, Tugu
depan Tugu Insurance akan terus memastikan dana yang Insurance will continue to ensure that the funds raised
dihimpun akan dialokasikan sebagaimana mestinya sesuai are allocated appropriately and in accordance with the
yang tercantum dalam Prospektus Perseroan. Laporan Company’s Prospectus. The Report on the Realization of
Realisasi Penggunaan Dana dari Penawaran Umum Proceeds Utilization from the Initial Public Offering has
Perdana Saham ini telah dikirimkan dan diunggah di situs been submitted and uploaded to the official website of
resmi Bursa Efek Indonesia (BEI) pada tanggal 14 Januari the Indonesia Stock Exchange (IDX) on 14 January 2025.
2025. Berikut rinciannya: Details are presented as follows:
Realisasi Penggunaan
Alokasi (Rp ribu) Rencana Pengunaan Dana Persen Realisasi
Dana
Allocation (IDR thousands) Planned Use of Funds Realization Percentage
Realization of Fund Usage
Infrastruktur Pemasaran 184.436.608 184.436.608 100,0%
Marketing Infrastructure
IT & Operasional Lainnya 184.436.608 184.436.608 100,0%
IT & Other Operations
Re-branding & Promosi Produk 92.218.304 92.218.304 100,0%
Re-branding & Product Promotion
Penyertaan Modal TuguRe 197.610.651 125.000.000 63,3%
Capital Investment in TuguRe
Total 658.702.171 586.091.520 89,0%
Sisa Dana Hasil Penawaran Umum 72.610.651 11,0%
Remaining Proceeds from Public Offering
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 189
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Informasi dan Fakta Material
setelah Tanggal Laporan Keuangan
Material Information Subsequent to Financial Report Date
Pada tanggal 21 Februari 2025, Entitas Anak, PT Tugu On 21 February 2025, the subsidiary, PT Tugu Pratama
Pratama Interindo, melikuidasi TRB (London) Ltd sesuai Interindo, liquidated TRB (London) Ltd in accordance with
dengan Surat Keputusan Final Gazette Notice dengan No. the Final Gazette Notice Decision No. 02085536. This
02085536. Pemberitahuan ini dipublikasikan di London notice was published in the London Gazette, signifying
Gazette, yang menandakan bahwa perusahaan tersebut that the company has been officially removed from the
telah secara resmi dihapus dari daftar Companies House Companies House register and liquidated.
dan dilikuidasi.
Informasi Keuangan yang Telah Dilaporkan
yang Mengandung Kejadian Luar Biasa
dan Jarang Terjadi
Reported Financial Information Containing Extraordinary
and Rare Events
Tidak terdapat informasi keuangan dan fakta material yang There is no material information or facts containing an
mengandung kejadian luar biasa dan jarang terjadi sampai extraordinary and rare event up to the issuance of this
dengan diterbitkannya Laporan Tahunan ini. Annual Report.
Informasi Material Terkait Transaksi Material
yang Mengandung Benturan Kepentingan
Material Information on Material Transactions
Containing Conflict of Interest
Tidak terdapat informasi dan fakta material yang terkait There is no material information or facts related to
transaksi material yang mengandung benturan kepentingan material transactions involving conflicts of interest up to
sampai dengan diterbitkannya Laporan Tahunan ini. the issuance of this Annual Report.
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Audited Report
Informasi Material Terkait Transaksi Afiliasi
Material Information on Affiliates Transactions
Definisi Pihak Berelasi
Definition of Related Parties
Dalam kegiatan usahanya, Perusahaan melakukan In its business activities, the Company engages in
transaksi dengan pihak-pihak yang berelasi sesuai dengan transactions with related parties in accordance with
Pernyataan Standar Akuntansi Keuangan (PSAK) No. 7 Statement of Financial Accounting Standards (PSAK) No. 7
tentang “Pengungkapan Pihak-Pihak yang Berelasi”. on “Related Party Disclosures.”
Suatu pihak dianggap berelasi dengan Perseroan dan A party is considered related to the Company and its
Entitas Anak jika: Subsidiaries if:
1. Langsung, atau tidak langsung yang melalui satu 1. Directly or indirectly through one or more
atau lebih perantara, suatu pihak (i) mengendalikan, intermediaries: The party (i) controls, is controlled by,
atau dikendalikan oleh, atau berada di bawah or is under common control with the Company and its
pengendalian bersama, dengan Perseroan dan Entitas Subsidiaries; (ii) has an interest in the Company and
Anak; (ii) memiliki kepentingan dalam Perseroan its Subsidiaries that provides significant influence over
dan Entitas Anak yang memberikan pengaruh the Company and its Subsidiaries; or (iii) has joint
signifikan atas Perseroan dan Entitas Anak; atau (iii) control over the Company and its Subsidiaries;
memiliki pengendalian bersama atas Perseroan dan
Entitas Anak;
2. suatu pihak yang berelasi dengan Perseroan dan 2. The party is related to the Company and
Entitas Anak; its Subsidiaries;
3. suatu pihak adalah ventura bersama di mana 3. The party is a joint venture in which the Company and
Perseroan dan Entitas Anak sebagai venturer; its Subsidiaries are a venturer;
4. suatu pihak adalah anggota dari personil manajemen 4. The party is a member of the key management
kunci Perseroan dan Entitas Anak atau induk; personnel of the Company and its Subsidiaries or their
parent company;
5. suatu pihak adalah anggota keluarga dekat dari 5. The party is a close family member of the individual
individu yang diuraikan dalam butir (a) atau (d); described in point (a) or (d);
6. suatu pihak adalah entitas yang dikendalikan, 6. The party is an entity controlled, jointly controlled, or
dikendalikan bersama atau dipengaruhi signifikan significantly influenced by, or for which significant voting
oleh atau untuk di mana hak suara signifikan pada rights in such an entity are directly or indirectly held by,
beberapa entitas, langsung maupun tidak langsung, an individual described in point (d) or (e); or
individu seperti diuraikan dalam butir (d) atau (e); atau
7. suatu pihak adalah suatu program imbalan pasca kerja 7. The party is a post-employment benefit program for
untuk imbalan kerja dari Perseroan dan Entitas Anak the benefit of employees of the Company and its
atau entitas yang terkait dengan Perseroan dan Entitas Subsidiaries, or an entity related to the Company and
Anak. its Subsidiaries.
Nama Pihak Berelasi dan Sifat Hubungan Afiliasi Names of Related Parties and Nature of Affiliation
Berikut adalah rincian Pihak Berelasi dan Sifat Hubungan Below are the details of the Related Parties and the
Afiliasi dengan Perseroan: Nature of their Affiliation with the Company:
Pihak-Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
No.
Related Parties Nature of Relationship Nature of Transaction
1 Pemerintah RI Entitas induk terakhir Obligasi
Ultimate parent Bonds
2 Komisaris dan Direksi Personil manajemen kunci Beban Gaji dan Kesejahteraan Karyawan
Commissioners and Directors Key management personnel Salaries and Employees Benefits
3 PT Pertamina (Persero) Tbk Entitas induk Obligasi, Penutupan Asuransi, Piutang Premi
Parent entity dan Sesi
Bonds, Insurance Premium, Premium and
Cession Receivable
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 191
Page 194
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pihak-Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
No.
Related Parties Nature of Relationship Nature of Transaction
4 PT Pertamina Patra Niaga Entitas yang dikendalikan oleh entitas induk Utang Klaim, Piutang Premi dan Sesi
Entity controlled by parent entity Claim Payable, Premium and Cession
Receivable
5 PT Pelita Air Service (Persero) Tbk Entitas yang dikendalikan oleh entitas induk Penutupan Asuransi, Piutang Premi dan Sesi
Entity controlled by parent entity Insurance Premium, Premium and Cession
Receivable
6 PT Pertamina Energy Terminal Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi
Entity controlled by parent entity Premium and Cession Receivable
7 PT Pertamina Drilling Services Indonesia Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Utang Klaim,
Entity controlled by parent entity Penutupan Asuransi
Premium and Cession Receivable, Claim
Payable, Insurance Premium
8 PT Pertamina Lubricants Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Penutupan Asuransi
Entity controlled by parent entity Premium and Cession Receivable, Insurance
Premium
9 PT Elnusa Tbk Entitas yang dikendalikan oleh entitas induk Obligasi
Entity controlled by parent entity Bonds
10 PT Perusahaan Gas Negara (Persero) Entitas yang dikendalikan oleh entitas induk Saham, Piutang Premi dan Sesi, Penutupan
Entity controlled by parent entity Asuransi
Shares, Premium and Cession Receivable,
Insurance Premium
11 PT Pertamina Geothermal Energy Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi
Entity controlled by parent entity Premium and Cession Receivable
12 Pertamina International Shipping Pte Ltd Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Penutupan Asuransi
Entity controlled by parent entity Premium and Cession Receivable, Insurance
Premium
13 PT Asuransi Samsung Tugu Entitas Asosiasi Piutang Premi dan Sesi, Penutupan Asuransi
Associate Entity Premium and Cession Receivable, Insurance
Premium
14 PT Patra Trading Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Penutupan Asuransi
Entity controlled by parent entity Premium and Cession Receivable, Insurance
Premium
15 PT Pertamina Drilling Contractor Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Penutupan Asuransi
Entity controlled by parent entity Premium and Cession Receivable, Insurance
Premium
16 PT Kilang Pertamina Internasional Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi, Utang Klaim,
Entity controlled by parent entity Penutupan Asuransi
Premium and Cession Receivable, Claim
Payable, Insurance Premium
17 PT Garuda Indonesia (Persero) Tbk. Entitas berelasi dengan Pemerintah Piutang Premi dan Sesi, Utang Koasuransi,
Government – related entities Penutupan Asuransi
Premium and Cession Receivable,
Coinsurance Payable, Insurance Premium
18 PT Prima Armada Raya Entitas yang dikendalikan oleh entitas induk Penutupan Asuransi, Piutang Premi dan Sesi
Entity controlled by parent entity Insurance Premium, Premium and Cession
Receivable
19 PT Elnusa Petrofin Indonesia Entitas yang dikendalikan oleh entitas induk Piutang Premi dan Sesi
Entity controlled by parent entity Premium and Cession Receivable
20 PT Asuransi Jasa Indonesia Entitas berelasi dengan Pemerintah Piutang Premi dan Sesi, Utang Koasuransi,
Government – related entities Piutang reasuransi dan retrosesi, Utang
Klaim, Utang Koasuransi, Penutupan
Asuransi
Premium and Cession Receivable,
Coinsurance Payable, Reinsurance and
retrocession receivable, Claim Payable,
Coinsurance Payable, Insurance Premium
21 PT Asuransi Kredit Indonesia Entitas berelasi dengan Pemerintah Piutang Premi dan Sesi, Piutang Koasuransi,
Government – related entities Utang Koasuransi, Penutupan Asuransi
Premium and Cession Receivable,
Coinsurance Receivable, Coinsurance
Payable, Insurance Premium
192 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pihak-Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
No.
Related Parties Nature of Relationship Nature of Transaction
22 PT Asuransi Ekspor Indonesia (Asei) Entitas berelasi dengan Pemerintah Utang Koasuransi, Penutupan Asuransi,
Government – related entities Utang Claim, Piutang Premi dan Sesi,
Piutang Koasuransi
Coinsurance Payable, Insurance Premium,
Claim Payable, Premium and Cession
Receivable, Coinsurance Receivable
23 PT Asuransi Dharma Bangsa Entitas berelasi dengan Pemerintah Utang Koasuransi, Utang Reasuransi,
Government – related entities Penutupan Asuransi, Piutang Reasuransi
dan Retrosesi
Coinsurance Payable, Reinsurance Payable,
Insurance Premium, Reinsurance and
retrocession receivable
24 PT Asuransi Jasa Raharja Putra Entitas berelasi dengan Pemerintah Utang Koasuransi, Penutupan Asuransi,
Government – related entities Piutang Reasuransi dan Retrosesi, Utang
Klaim
Coinsurance Payable, Insurance Premium,
Reinsurance and retrocession receivable,
Claim Payable
25 PT Reasuransi Indonesia Utama (Persero) Entitas berelasi dengan Pemerintah Utang Reasuransi, Piutang Reasuransi dan
Government – related entities Retrosesi, Penutupan Asuransi, Piutang
Premi dan Sesi
Reinsurance Payable, Reinsurance and
retrocession receivable, Insurance Premium,
Premium and Cession Receivable
26 PT Asuransi Bringin Sejahtera Artamakmur Entitas berelasi dengan Pemerintah Utang Koasuransi, Penutupan Asuransi
(BSAM) Government – related entities Coinsurance Payable, Insurance Premium
27 PT Reasuransi Nasional Indonesia (Nasre) Entitas berelasi dengan Pemerintah Piutang Reasuransi dan Retrosesi, Piutang
Government – related entities Premi dan Sesi, Utang Reasuransi,
Penutupan Asuransi
Reinsurance and retrocession receivable,
Premium and Cession Receivable,
Reinsurance Payable, Insurance Premium
28 PT BRI Asuransi Indonesia Entitas berelasi dengan Pemerintah Piutang Koasuransi, Utang Koasuransi,
Government – related entities Penutupan Asuransi, Piutang Premi dan Sesi
Coinsurance Receivable, Coinsurance
Payable, Insurance Premium, Premium and
Cession Receivable
29 PT Asuransi Jiwasraya (Persero) Entitas berelasi dengan Pemerintah Utang Klaim, Penutupan Asuransi
Government – related entities Claim Payable, Insurance Premium
30 PT Mandiri Utama Finance Entitas berelasi dengan Pemerintah Utang Reasuransi, Penutupan Asuransi
Government – related entities Reinsurance Payable, Insurance Premium
31 PT Bank Pembangunan Daerah Jawa Tengah Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Obligasi
Government – related entities Cash and Cash Equivalent, Bonds
32 PT Bank Rakyat Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
Government – related entities Saham, Obligasi, Pinjaman diterima
Cash and Cash Equivalent, Time Deposits,
Shares, Bonds, Borrowings
33 PT Bank Tabungan Negara (Persero) Tbk Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
Government – related entities Saham, Obligasi
Cash and Cash Equivalent, Time Deposits,
Shares, Bonds
34 PT Bank Pembangunan Daerah Jawa Barat Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
dan Banten Tbk Government – related entities Obligasi, Pinjaman diterima
Cash and Cash Equivalent, Time Deposits,
Bonds, Borrowings
35 PT Bank Syariah Indonesia Tbk Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
Government – related entities Obligasi
Cash and Cash Equivalent, Time Deposits,
Bonds
36 PT Bank Negara Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
Government – related entities Saham, Obligasi, Reksa Dana
Cash and Cash Equivalent, Time Deposits,
Shares, Bonds, Mutual Fund
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 193
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pihak-Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
No.
Related Parties Nature of Relationship Nature of Transaction
37 PT Bank Mandiri (Persero) Tbk Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka,
Government – related entities Saham, Obligasi, Reksa Dana, Pinjaman
diterima
Cash and Cash Equivalent, Time Deposits,
Shares, Bonds, Mutual Fund, Borrowings
38 PT Bank DKI Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Deposito Berjangka
Government – related entities Cash and Cash Equivalent, Time Deposits
39 PT Telkom Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, Obligasi
Government – related entities Shares, Bonds
40 PT Aneka Tambang (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
41 PT Wijaya Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
42 PT Semen Gresik (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
43 PT Indocement Tunggal Perkasa Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
44 PT Waskita Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, Obligasi
Government – related entities Shares, Bonds
45 PT Bukit Asam Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
46 PT Jasa Marga (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, Obligasi
Government – related entities Shares, Bonds
47 PT Adhi Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
48 PT Wijaya Karya Beton Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
49 PT Timah Tbk Entitas berelasi dengan Pemerintah Saham, Obligasi
Government – related entities Shares, Bonds
50 PT Pembangunan Perumahan (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
51 PT Waskita Beton Precast Tbk Entitas berelasi dengan Pemerintah Saham
Government – related entities Shares
52 PT Mayora Indah (Persero) Tbk Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
53 PT Kereta Api Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
54 PT Perusahaan Listrik Negara (Persero) Entitas berelasi dengan Pemerintah Piutang premi dan sesi, Obligasi
Government – related entities Premium and Cession receivable, Bonds
55 PT Pupuk Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
56 PT Sarana Multigriya Finansial (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
57 PT Marga Lingkar Jakarta Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
58 PT Angkasa Pura II (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
59 PT Bank Mandiri Taspen Entitas berelasi dengan Pemerintah Kas dan Setara Kas, Obligasi
Government – related entities Cash and Cash Equivalent, Bonds
60 PT Bank Pembangunan Daerah Sumatera Entitas berelasi dengan Pemerintah Obligasi
Utara Government – related entities Bonds
61 PT Sarana Multi Infrastruktur Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
62 PT Semen Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, Obligasi
Government – related entities Shares, Bonds
63 Perusahaan Umum Pembangunan Entitas berelasi dengan Pemerintah Obligasi
Perumahan Nasional Government – related entities Bonds
64 PT Pelabuhan Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi, Utang Klaim
Government – related entities Bonds, Claim Payable
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pihak-Pihak Berelasi Sifat Hubungan Sifat dari Transaksi
No.
Related Parties Nature of Relationship Nature of Transaction
65 PT Permodalan Nasional Madani Entitas berelasi dengan Pemerintah Obligasi, Reksa Dana
Government – related entities Bonds, Mutual Fund
66 PT Bank Ekspor Impor Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
67 PT Pegadaian (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government – related entities Bonds
68 PT Bahana TCW Investment Management Entitas berelasi dengan Pemerintah Reksa Dana
Government – related entities Mutual Fund
69 PT Danareksa Investment Management Entitas berelasi dengan Pemerintah Reksa Dana
Government – related entities Mutual Fund
70 PT Semen Padang Entitas berelasi dengan Pemerintah Utang Klaim
Government – related entities Claim Payable
71 PT Berlian Jasa Terminal Indonesia Entitas berelasi dengan Pemerintah Utang Klaim
Government – related entities Claim Payable
72 PT Pupuk Kalimantan Timur Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
73 PT Petrokimia Gresik Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
74 PT Pupuk Sriwidjaja Palembang Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
75 PT Pupuk Iskandar Muda Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
76 PT Pupuk Kujang Cikampek Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
77 PT Citilink Indonesia Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
78 PT Patra Logistik Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government – related entities Premium and Cession Receivable
Pengungkapan dan Realisasi
Disclosure and Realization
Seluruh sifat dan transaksi dengan Pihak-pihak Berelasi All the nature and transactions with Related Parties, as
sebagai bagian dari Kebijakan Akuntansi Penting terkait part of Tugu Insurance’s Significant Accounting Policies
Hubungan Afiliasi (Pihak Berelasi) Tugu Insurance pada regarding Affiliated Relationships (Related Parties) for the
tahun buku 2024 telah diungkapkan dan realisasinya 2024 fiscal year, have been disclosed and their realization
dapat dilihat dalam Laporan Keuangan Konsolidasian can be found in the Company’s Consolidated Financial
Perseroan yang berakhir pada 31 Desember 2024 dan Statements for the year ended 31 December 2024, which
terlampir dalam Laporan Tahunan ini. are attached to this Annual Report.
Pernyataan Direksi atas Kewajaran Transaksi dengan Pihak Berelasi
Statement of the Board of Directors on the Fairness of Transactions with Related Parties
Tugu Insurance memastikan bahwa seluruh transaksi Tugu Insurance ensures that all transactions with
dengan pihak berelasi dilakukan sesuai dengan prosedur related parties are conducted in accordance with
yang tepat, mengacu pada Peraturan OJK No. 42/ proper procedures, referring to OJK Regulation No. 42/
POJK.04/2020 tentang Transaksi Afiliasi dan Transaksi POJK.04/2020 on Affiliated Transactions and Conflict of
Benturan Kepentingan, serta PSAK No. 7 tentang Interest Transactions, as well as PSAK No. 7 on Related
Pengungkapan Pihak-Pihak Berelasi. Transaksi tersebut Party Disclosures. These transactions are carried out
dilaksanakan dengan penuh kehati-hatian dan selaras with due care and in alignment with generally accepted
dengan praktik bisnis yang berlaku umum. Direksi business practices. The Board of Directors affirms that
memastikan bahwa seluruh transaksi afiliasi dilakukan all affiliated transactions are conducted in accordance
sesuai dengan praktik bisnis yang berlaku umum dan with standard business practices and adhere to the arm’s
memenuhi prinsip kewajaran transaksi (arm's length length principle to ensure fairness.
principle).
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 195
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Peran Dewan Komisaris dan Komite Audit
The Role of the Board of Commissioners and Audit Committee
Dewan Komisaris dan Komite Audit telah menjalankan The Board of Commissioners and the Audit Committee
tugasnya dengan melakukan prosedur yang memadai have fulfilled their responsibilities by implementing proper
untuk memastikan bahwa seluruh transaksi afiliasi procedures to ensure that all affiliated transactions are
dilakukan sesuai dengan praktik bisnis yang berlaku conducted in accordance with generally accepted business
umum. Hal ini termasuk memastikan bahwa transaksi practices. This includes ensuring that such transactions
tersebut memenuhi prinsip kewajaran (arm’s length comply with the fairness principle (arm’s length principle).
principle).
Perubahan Peraturan
Perundang-Undangan yang Berpengaruh
Signifikan terhadap Perusahaan
Regulatory Changes with Significant Impact on the Company
Berikut adalah daftar Peraturan Perundang-Undangan yang Below is the list of Laws and Regulations with Significant
berdampak signifikan terhadap Perseroan: Impact on the Company:
Peraturan Pokok Kebijakan Dampak
Regulation Key Policy Impact
SEOJK 10/ • Tujuan pemisahan: untuk memperkuat ketahanan dan daya saing Tugu Insurance sedang dalam proses
SEOJK.05/2024 industri asuransi dan reasuransi syariah. Pemisahan ini mendukung pemisahan Unit Usaha Syariah
operasional yang independen, meningkatkan efisiensi, serta (UUS) melalui mekanisme yang telah
Mekanisme dan Tata memungkinkan perusahaan untuk fokus pada pengembangan bisnis ditetapkan oleh OJK
Cara Pemisahan Unit berbasis syariah sambil melindungi kepentingan pemegang polis.
Syariah Perusahaan • Mekanisme pemisahan: melalui pendirian perusahaan asuransi atau
Asuransi dan reasuransi syariah baru, diikuti dengan pengalihan portofolio syariah
Perusahaan Reasuransi atau mengalihkan portofolio syariah ke perusahaan asuransi atau
reasuransi syariah yang telah memiliki izin usaha
• Pengawasan dan kepatuhan OJK: Perusahaan harus mematuhi
peraturan OJK, termasuk penyampaian rencana kerja terperinci,
analisis keuangan, dan memperoleh persetujuan. Pelaporan rutin,
pengungkapan publik, dan kepatuhan terhadap prinsip-prinsip syariah
selama proses berlangsung adalah hal yang wajib.
SEOJK 10/ • Purpose of Separation: to strengthen the resilience and Tugu Insurance is currently in the
SEOJK.05/2024 competitiveness of the Sharia insurance and reinsurance industry. process of spinning-off its Sharia
This separation supports independent operations, improves Business Unit (UUS) in accordance with
Mechanism and efficiency, and enables companies to focus on Sharia-based business the mechanisms established by OJK.
Procedures for the development while protecting the interests of policyholders.
Separation of Sharia • Separation Mechanism: through the establishment of a new Sharia
Units in Insurance and insurance or reinsurance company or by the transfer of Sharia
Reinsurance Companies portfolios, or by transferring Sharia portfolios to an existing Sharia
insurance or reinsurance company with a valid operating license.
• OJK Oversight and Compliance: Companies must comply with OJK
regulations, including submitting detailed work plans, conducting
financial analysis, and obtaining approvals. Routine reporting, public
disclosure, and adherence to Sharia principles throughout the
process are mandatory.
196 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Perubahan Kebijakan Akuntansi
Changes in Accounting Policy
DSAK-IAI telah menerbitkan beberapa standar baru, The DSAK-IAI has issued several new standards,
amandemen, penyesuaian atas standar yang ada, serta amendments, adjustments to existing standards,
interpretasi. Pembaruan ini bertujuan untuk meningkatkan and interpretations. These updates aim to enhance
transparansi dan kepatuhan dalam kerangka pelaporan transparency and compliance within financial reporting
keuangan. Berikut adalah rinciannya: frameworks. Below is the details:
Efektif Berlaku sejak 1 Januari 2024
Effective as of 1 January 2024
Amandemen PSAK Aspek
Amendment of PSAK Aspects
PSAK 1 Penyajian Laporan Keuangan terkait Liabilitas Jangka Panjang dengan Kovenan.
Presentation of Financial Statements regarding Long-Term Liabilities with Covenants.
PSAK 73 Liabilitas Sewa dalam Transaksi Jual dan Sewa-Balik.
Lease Liabilities in a Sale and Leaseback Transaction.
PSAK 2 Laporan Arus Kas dan PSAK 60: Instrumen Keuangan: Pengungkapan terkait pengaturan pembiayaan
pemasok.
Statement of Cash Flows and PSAK 60: Financial Instruments: Disclosures concerning supplier financing
arrangements.
PSAK 101 Penyajian Laporan Keuangan Syariah.
Presentation of Sharia Financial Statements.
PSAK 109 Akuntansi Zakat, Infak, dan Sedekah.
Accounting for Zakat, Infaq, and Sadaqah.
Efektif Berlaku sejak 1 Januari 2025
Effective as of 1 January 2025
Standar baru dan amandemen atas standar yang berlaku efektif untuk periode yang dimulai pada atau setelah 1 Januari 2025, dengan
penerapan dini yang diperkenankan yaitu:
• PSAK 117: Kontrak Asuransi; dan
• Amandemen PSAK 117: Kontrak Asuransi tentang Penerapan Awal PSAK 117 dan PSAK 71 – Informasi Komparatif;
• Amandemen PSAK 10: Pengaruh Perubahan Kurs Valuta Asing tentang kekurangan ketertukaran
New standard and amandment to standard which effective for periods beginning on or after 1 January 2025, with early adoption is permitted, are
as follows:
• PSAK 117: Insurance Contract; and
• Amandments PSAK 117: Insurance Contract regarding Initial Application of PSAK 117 and PSAK 71 – Comparative Information;
• Amandments PSAK 10: Foreign Exchange Rate regarding lack of exchangeability.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 197
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05
Tata Kelola
Perusahaan
Corporate Governance
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
1.
Komitmen dan Prinsip Tata Kelola Perusahaan
Commitment and Principles of Corporate Governance
Komitmen terhadap Tata Kelola Perusahaan
Commitment to Corporate Governance
Sebagai salah satu perusahaan As one of the general insurance
asuransi umum dengan nilai companies with the largest market
kapitalisasi pasar terbesar di Bursa capitalization on the Indonesia Stock
Efek Indonesia (BEI), Tugu Insurance Exchange (BEI), Tugu Insurance
yang memiliki visi untuk menjadi has a vision to become the number
perusahaan asuransi umum nomor one general insurance company
satu di Indonesia. Tugu Insurance in Indonesia. Tugu Insurance
senantiasa menjunjung tinggi consistently upholds its commitment
komitmen untuk terus meningkatkan to continuously enhance corporate
tata kelola perusahaan sesuai governance in accordance with
dengan peraturan yang berlaku serta applicable regulations and best
praktik terbaik untuk mencapai tujuan practices to achieve the company’s
jangka panjang Perusahaan. long-term objectives.
Komitmen untuk menerapkan tata Tugu Insurance’s commitment
kelola perusahaan yang baik di Tugu to implementing good corporate
Insurance selanjutnya dituangkan governance is further embodied in
ke dalam Prinsip dan Pedoman Tata the Company’s Governance Principles
Kelola Perusahaan sebagai landasan and Guidelines, which serve as the
utama Perseroan untuk melangkah foundation for advancing forward
maju dan merespons berbagai and addressing future challenges
tantangan ke depan dengan tetap while maintaining a strong focus on
fokus memberikan kebermanfaatan delivering value to all stakeholders.
kepada seluruh pemangku The Governance Principles and
kepentingan. Prinsip dan Pedoman Guidelines are consistently
Tata Kelola Perusahaan merupakan upheld by all members of Tugu
aspek yang terus dijunjung tinggi Insurance, including the Board
oleh seluruh insan Tugu Insurance of Commissioners, the Board of
baik Dewan Komisaris, Direksi hingga Directors, and employees at all levels
seluruh lapisan karyawan Perseroan. within the Company.
Prinsip Tata Kelola Perusahaan
Principles of Corporate Governance
Prinsip Tata Kelola Perusahaan The corporate governance principles
yang dijalankan di Tugu Insurance implemented at Tugu Insurance are
mengacu pada tiga landasan hukum based on three key legal foundations:
utama yaitu:
• Peraturan Otoritas Jasa Keuangan • Financial Services Authority
No. 73/POJK.05/2016 tentang Regulation No. 73/POJK.05/2016
Tata Kelola Perusahaan yang Baik on Good Corporate Governance
bagi Perusahaan Perasuransian; for Insurance Companies;
• Peraturan Menteri Badan Usaha • Regulation of the Minister of
Milik Negara Republik Indonesia State-Owned Enterprises of
No. Per-2/MBU/03/2023 tentang the Republic of Indonesia No.
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Audited Report
Pedoman Tata Kelola dan Kegiatan Korporasi Signifikan Per-2/MBU/03/2023 on Guidelines for Corporate
Badan Usaha Milik Negara; dan Governance and Significant Corporate Activities of
State-Owned Enterprises; and
• Pedoman Umum Governansi Korporat Indonesia • Indonesian Corporate Governance General Guidelines
(PUGKI) 2021 yang merupakan pemutakhiran dari (PUGKI) 2021, which is an update of PUGKI 2019.
PUGKI 2019.
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. 73/ In accordance with Financial Services Authority Regulation
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik No. 73/POJK.05/2016, Article 2, Paragraph 2, good
bagi Perusahaan Perasuransian pasal 2 ayat 2, prinsip corporate governance principles consist of the TARIF
Tata Kelola Perusahaan yang baik terdiri dari elemen TARIF elements (Transparency, Accountability, Responsibility,
(Transparency, Accountability, Responsibility, Independency Independency, and Fairness), which are defined as follows:
dan Fairness) dengan penjelasan sebagai berikut:
1. Keterbukaan (transparency), yaitu keterbukaan dalam 1. Transparency – Openness in the decision-making
proses pengambilan keputusan dan keterbukaan dalam process and in disclosing and providing relevant
pengungkapan dan penyediaan informasi yang relevan information about the insurance company, ensuring
mengenai Perusahaan Perasuransian, yang mudah accessibility for stakeholders in accordance with
diakses oleh pemangku kepentingan sesuai dengan applicable laws and regulations in the insurance
ketentuan peraturan perundang-undangan di bidang sector, as well as industry standards, principles, and
perasuransian serta standar, prinsip, dan praktik best practices;
penyelenggaraan usaha perasuransian yang sehat;
2. Akuntabilitas (accountability), yaitu kejelasan 2. Accountability – Clarity of functions and
fungsi dan pelaksanaan pertanggungjawaban responsibilities of the company’s governing bodies
Organ Perusahaan Perasuransian sehingga kinerja to ensure that the insurance company’s performance
Perusahaan Perasuransian, dapat berjalan secara is conducted transparently, fairly, effectively,
transparan, wajar, efektif, dan efisien; and efficiently;
3. Pertanggungjawaban (responsibility), yaitu 3. Responsibility – Compliance with applicable laws
kesesuaian pengelolaan Perusahaan Perasuransian and regulations in the insurance sector, as well as
dengan ketentuan peraturan perundang-undangan ethical values, industry standards, principles, and best
di bidang perasuransian dan nilai-nilai etika serta practices in insurance operations;
standar, prinsip, dan praktik penyelenggaraan usaha
perasuransian yang sehat;
4. Kemandirian (independency), yaitu keadaan 4. Independency – The condition in which the insurance
Perusahaan Perasuransian yang dikelola secara mandiri company is managed independently and professionally,
dan profesional serta bebas dari benturan kepentingan free from conflicts of interest and undue influence or
dan pengaruh atau tekanan dari pihak manapun yang pressure from any party that contradicts applicable
tidak sesuai dengan ketentuan peraturan perundang- laws and ethical standards; and
undangan di bidang perasuransian dan nilai-nilai etika
serta standar, prinsip, dan praktik penyelenggaraan
usaha perasuransian yang sehat; dan
5. Kesetaraan dan kewajaran (fairness), yaitu kesetaraan, 5. Fairness – Equity, balance, and fairness in fulfilling
keseimbangan, dan keadilan di dalam memenuhi hak- stakeholders’ rights based on contractual agreements,
hak pemangku kepentingan yang timbul berdasarkan legal provisions, and ethical values, ensuring alignment
perjanjian, ketentuan peraturan perundang-undangan with industry standards and corporate governance
di bidang perasuransian, dan nilai-nilai etika serta best practices.
standar, prinsip, dan praktik penyelenggaraan usaha
perasuransian yang sehat.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Di sisi lain, Prinsip Tata Kelola Perusahaan Tugu Insurance On the other hand, Tugu Insurance’s Corporate
mengacu pada Peraturan Menteri Badan Usaha Milik Governance Principles refer to the Regulation of the
Negara Republik Indonesia No. Per-2/MBU/03/2023 Indonesian Minister of State-Owned Enterprises No. Per-
tentang Pedoman Tata Kelola dan Kegiatan Korporasi 2/MBU/03/2023 concerning Guidelines for Corporate
Signifikan Badan Usaha Milik Negara pasal 3 ayat 2 juga Governance and Activities of Significant State-Owned
menggunakan elemen TARIF sebagai prinsip utama: Enterprises, Article 3, paragraph 2, which also uses the
TARIF element as the main principle:
1. Transparansi (transparency), yaitu keterbukaan dalam 1. Transparency – Openness in decision-making
melaksanakan proses pengambilan keputusan dan processes and in disclosing material and relevant
keterbukaan dalam mengungkapkan informasi material company information;
dan relevan mengenai perusahaan;
2. Akuntabilitas (accountability), yaitu kejelasan fungsi, 2. Accountability – Clarity in the functions,
pelaksanaan dan pertanggungjawaban Organ Persero/ implementation, and responsibilities of corporate
Organ Perum sehingga pengelolaan perusahaan bodies to ensure effective company management;
terlaksana secara efektif;
3. Pertanggungjawaban (responsibility), yaitu kesesuaian 3. Responsibility – Compliance in corporate management
di dalam pengelolaan perusahaan terhadap ketentuan with applicable laws and sound corporate principles;
peraturan perundang-undangan dan prinsip korporasi
yang sehat;
4. Kemandirian (independency), yaitu keadaan di 4. Independency – A condition in which the company is
mana perusahaan dikelola secara profesional tanpa managed professionally without conflicts of interest
benturan kepentingan dan pengaruh/tekanan dari or undue influence/pressure that contradicts legal
pihak manapun yang tidak sesuai dengan ketentuan regulations and sound corporate principles; and
peraturan perundang-undangan dan prinsip korporasi
yang sehat; dan
5. Kewajaran (fairness), yaitu keadilan dan kesetaraan 5. Fairness – Fairness and equality in fulfilling
di dalam memenuhi hak pemangku kepentingan yang stakeholders’ rights based on agreements and
timbul berdasarkan perjanjian dan ketentuan peraturan applicable legal regulations.
perundang-undangan.
Apabila mengacu pada PUGKI 2021, maka prinsip According to PUGKI 2021, the main principles of Corporate
utama Tata Kelola Perusahaan di Tugu Insurance fokus Governance at Tugu Insurance focus on four pillars,
pada empat pilar, yaitu: Perilaku Beretika, Akuntabilitas, namely: Ethical Behavior, Accountability, Transparency,
Transparan dan Keberlanjutan. and Sustainability.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
2.
Implementasi, Pengawasan dan
Penilaian Tata Kelola Perusahaan
Implementation, Supervision, and Evaluation of
Corporate Governance
Implementasi, Pengawasan dan Penilaian Tata Kelola Perusahaan
Implementation, Supervision, and Evaluation of Corporate Governance
Implementasi dan Pengawasan Tata Kelola Perusahaan Implementation and Supervision of Corporate Governance
Pokok-pokok penerapan dan pengawasan Tata Kelola The key aspects of corporate governance implementation
Perusahaan di Tugu Insurance dapat dirangkum and supervision at Tugu Insurance can be summarized
sebagai berikut: as follows:
• Partisipasi Aktif dan Akuntabilitas – Seluruh Insan • Active Participation and Accountability – All
Tugu Insurance berpartisipasi dan bertanggung-jawab members of Tugu Insurance actively participate
terhadap penerapan Tata Kelola Perusahaan; in and are responsible for the implementation of
corporate governance;
• Penguatan Direktorat Kepatuhan dan Manajemen • Strengthening the Compliance and Risk
Risiko – Direktorat Kepatuhan dan Manajemen Risiko Management Directorate – The Compliance and Risk
di bawah Direktur Kepatuhan dan Manajemen Risiko Management Directorate operates under the Director
untuk meningkatkan pengawasan tata kelola; of Compliance and Risk Management to enhance
governance oversight;
• Fungsi Tata Kelola yang Menyeluruh – Direktorat • Comprehensive Governance Functions – The
Kepatuhan dan Manajemen risiko senantiasa Compliance and Risk Management Directorate
melaksanakan fungsi analisis kebijakan, penyusunan, continuously performs policy analysis, formulation,
pemutakhiran/penyempurnaan, sosialisasi, updates/refinements, dissemination, implementation,
implementasi, pemantauan dan koordinasi monitoring, and coordination of governance reporting,
pelaporan tata kelola yang disesuaikan dengan ensuring alignment with prevailing laws and regulations,
peraturan perundang-undangan yang berlaku, kondisi industry developments, and corporate governance
perkembangan industri serta praktik terbaik Tata best practices;
Kelola Perusahaan;
• Fungsi Pengawasan oleh Dewan Komisaris – Dewan • Board of Commissioners’ Oversight Role – The
Komisaris memiliki fungsi dalam hal pengawasan Tata Board of Commissioners is responsible for
Kelola Perusahaan di Tugu Insurance; overseeing corporate governance implementation at
Tugu Insurance;
• Pemberdayaan Organ Komite – Dewan Komisaris • Empowerment of Committee Organs – The Board of
senantiasa memberdayakan fungsi Komite di bawah Commissioners consistently empowered the functions
Dewan Komisaris yang mencakup Komite Audit, Komite of the Committees under the Board of Commissioners,
Pemantau Risiko, Komite Tata Kelola Terintegrasi dan which included the Audit Committee, Risk Monitoring
Komite Nominasi dan Remunerasi dalam menjalankan Committee, Integrated Governance Committee, and the
fungsi pengawasan Tata Kelola Perusahaan; Nomination and Remuneration Committee, in carrying
out the corporate governance oversight function;
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
• Fungsi Pemberian Nasihat oleh Dewan Komisaris • Advisory Role of the Board of Commissioners – The
– Dewan Komisaris memberikan saran atau input Board of Commissioners provides recommendations
terhadap Direksi atas usulan Komite di Bawah and inputs to the Board of Directors based on
Dewan Komisaris terkait dengan penguatan dan proposals from the Board Committees, particularly
penyempurnaan Tata Kelola Perusahaan di Tugu regarding corporate governance enhancements and
Insurance; dan refinements at Tugu Insurance; and
• Fungsi Pengawasan Tata Kelola yang Kolaboratif • Collaborative Governance Supervision – The
– Direksi, Dewan Komisaris maupun Komite secara Board of Directors, Board of Commissioners, and
bersama-sama senantiasa berkoordinasi untuk Committees work in coordination to ensure that the
memastikan Tata Kelola Perusahaan Tugu Insurance corporate governance practices of Tugu Insurance
tetap sesuai dengan Prinsip dan Pedoman yang remain in compliance with the established Principles
telah disusun. and Guidelines.
Penilaian Tata Kelola Perusahaan Corporate Governance Assessment
Tugu Insurance secara berkala melakukan penilaian Tugu Insurance periodically conducts evaluations of the
terhadap penerapan Tata Kelola Perusahaan. Tujuan dari implementation of Corporate Governance. The purpose
penilaian ini adalah untuk mengevaluasi penerapan Tata of these evaluations is to assess the application of
Kelola Perusahaan serta untuk memetakan area atau Corporate Governance and to map out the areas or
domain tata kelola yang perlu diperkuat. Penilaian Tata domains that need strengthening. Tugu Insurance’s
Kelola Perusahaan di Tugu Insurance menggunakan dua Corporate Governance evaluation utilizes two main
pendekatan utama yaitu Pendekatan Penilaian Sendiri approaches: the Self-Assessment Approach and the
(Self-Assessment) serta Pendekatan Penilaian oleh External Assessment Approach.
Pihak Eksternal.
Pendekatan Penilaian Sendiri Self-Assessment Approach
Penilaian Sendiri atas Penerapan Tata Kelola Perusahaan The Self-Assessment of the Implementation of Good
yang Baik di Tugu Insurance mengacu kepada Surat Corporate Governance at Tugu Insurance refers to
Edaran Otoritas Jasa Keuangan No. 1/SEOJK.05/2018 the Financial Services Authority Circular Letter No. 1/
tentang Bentuk dan Susunan Laporan Berkala Perusahaan SEOJK.05/2018 regarding the Format and Composition
Asuransi dan Perusahaan Reasuransi. Laporan Penerapan of Periodic Reports of Insurance and Reinsurance
Tata Kelola Perusahaan yang Baik untuk tahun buku 2023 Companies. The Good Corporate Governance
memiliki skor 4,79, dengan rincian sebagai berikut: Implementation Report for the 2023 fiscal year scored
4.79, with the following details:
Hasil Penilaian Sendiri Pelaksanaan Tata Kelola Perusahaan Tugu Insurance
Results of the Self-Assessment on Corporate Governance Implementation at Tugu Insurance
Tahun Laporan 2023
Reporting Year
Tanggal Penyampaian 26 April 2024
Reporting Date
Peringkat 4,79
Score
Definisi Peringkat Kriteria D
Score Definition Criteria D
Analisis Perusahaan memiliki kebijakan tertulis mengenai Pertanyaan/Pernyataan dalam kuesioner Penerapan Tata
Analysis Kelola Perusahaan Yang Baik dan kebijakan tersebut dilaksanakan secara konsisten namun belum diupdate
secara berkala.
The company has a written policy regarding the questions/statements in the Good Corporate Governance
Implementation questionnaire, and this policy is implemented consistently but has not been updated regularly.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pada saat Laporan Tahunan 2024 disusun, perusahaan At the time of preparing the 2024 Annual Report, the
masih dalam proses penyusunan Laporan Penilaian company was still in the process of compiling the Self-
Sendiri atas Penerapan Tata Kelola Perusahaan yang Baik, Assessment Report on the Implementation of Good
yang mana sesuai dengan ketentuan dalam Peraturan Corporate Governance. In accordance with the provisions
OJK No. 55/POJK.05/2017 tentang Laporan Berkala of the OJK Regulation No. 55/POJK.05/2017 on Periodic
Perusahaan Perasuransian batas waktu penyampaian Reports of Insurance Companies, the submission deadline
Laporan tersebut paling lambat tanggal 30 April for this report is no later than 30 April of the following year.
tahun berikutnya.
Pendekatan Penilaian oleh Pihak Eksternal External Party Assessment Approach
Informasi Umum Penilaian General Information on Assessment
Tugu Insurance juga melakukan penilaian pelaksanaan Tugu Insurance also conducted an external independent
Tata Kelola Perusahaan yang dilakukan oleh pihak assessment of its corporate governance implementation.
eksternal yang independen. Penilaian oleh pihak eksternal This external assessment is carried out biennially, with the
independen dilakukan setiap dua tahun sekali dan most recent evaluation conducted for the 2023 financial
terakhir dilakukan untuk tahun buku 2023. Penilaian year. The external independent assessment follows a
Tata Kelola Perusahaan oleh pihak eksternal independen selection process in accordance with the Company’s
dengan proses penunjukan sesuai dengan kebijakan procurement policies and procedures and is coordinated
pengadaan barang dan jasa yang berlaku di Perseroan dan by the compliance function to ensure adherence to
dikoordinasikan oleh fungsi kepatuhan. governance standards.
Parameter Penilaian Assessment Parameters
Penilaian atas penerapan tata kelola perusahaan The corporate governance assessment was conducted
menggunakan parameter Kementerian BUMN sebagaimana using the parameters set by the Ministry of State-Owned
ditetapkan dalam Surat Keputusan Sekretaris Menteri Enterprises (BUMN), as stipulated in the Secretary of the
Badan Usaha Milik Negara No. SK-16/S-MBU/2012 Minister of State-Owned Enterprises Decree No. SK-16/S-
tanggal 6 Juni 2012 tentang Indikator Penilaian dan MBU/2012, dated 6 June 2012, regarding Indicators
Evaluasi atas Penerapan Tata Kelola Perusahaan yang for the Evaluation and Assessment of Good Corporate
Baik pada Badan Usaha Milik Negara, dengan aspek-aspek Governance Implementation in State-Owned Enterprises
penilaian tata kelola meliputi: (SOEs). The governance assessment covers the following
key aspects:
1. Komitmen terhadap Penerapan Tata Kelola Perusahaan 1. Commitment to the Sustainable Implementation of
yang Baik secara Berkelanjutan; Good Corporate Governance;
2. Pemegang Saham dan RUPS; 2. Shareholders and General Meetings of Shareholders
3. Dewan Komisaris; (GMS);
4. Direksi; 3. Board of Commissioners;
5. Pengungkapan Informasi dan Transparansi; dan 4. Board of Directors;
6. Aspek Lainnya. 5. Disclosure and Transparency; and
6. Other Relevant Aspects.
Informasi Pihak Eksternal yang Ditunjuk untuk Information of Appointed External Independent
Penilaian Assessor
Berikut adalah informasi terkait pihak eksternal The following provides information on the independent
independen yang ditunjuk untuk memberikan penilaian external party appointed to conduct the corporate
atas pelaksanaan Tata Kelola Perusahaan Tugu Insurance governance assessment for Tugu Insurance’s 2023 fiscal
untuk periode tahun buku 2023: year reporting period:
Jenis Penilaian Penilaian Tata Kelola Perusahaan
Type of Assessment Assessment on Corporate Governance
Nama Penilai PT Pratama Indomitra Konsultan
Assessor Name
Periode Penilaian 2023
Assessment Period
Tempat Wisma Tugu I, Jl. H. R. Rasuna Said Kav. C8-9 Jakarta
Place
Waktu Pelaporan 17 Desember 2024
Reporting Date 17 December 2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 205
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Hasil Penilaian Assessment Results
Berdasarkan hasil penilaian terhadap Tata Kelola Based on the Corporate Governance assessment
Perusahaan yang dilakukan oleh pihak eksternal conducted by independent external parties, Tugu Insurance
independen, Tugu Insurance mendapatkan nilai 95,73% achieved a score of 95.73% for the 2023 fiscal year
untuk periode tahun buku 2023. Nilai tersebut mengalami period. This score represents an improvement compared
peningkatan dibandingkan dengan periode tahun buku to the 2021 fiscal year period. The following are the details
2021. Berikut adalah rincian hasil penilaian Tata Kelola of the Corporate Governance assessment results for the
Perusahaan untuk periode tahun buku 2023: 2023 fiscal year period:
2023 2021
Nilai
Aspek Penilaian GCG Maksimal Skor Skor
Tingkat Tingkat
GCG Assessment Aspects Maximum Capaian Predikat Capaian Predikat
Pemenuhan Pemenuhan
Score Achieved Predicate Achieved Predicate
Fulfillment Rate Fulfillment Rate
Score Score
Aspek I 7,00 6,92 98,91% Sangat Baik 6,456 92,23% Sangat Baik
Komitmen terhadap Very Good Very Good
Penerapan Tata Kelola
Perusahaan yang Baik
Secara Berkelanjutan
Aspect I
Commitment
to Sustainable
Implementation of Good
Corporate Governance
Aspek II 9,00 8,87 98,56% Sangat Baik 8,802 97,80% Sangat Baik
Pemegang Saham dan Very Good Very Good
RUPS
Aspect II
Shareholders and GMS
Aspek III 35,00 33,26 95,02% Sangat Baik 30,839 88,11% Sangat Baik
Dewan Komisaris Very Good Very Good
Aspect III
Board of Commisioners
Aspek IV 35,00 34,13 97,51% Sangat Baik 32,411 92,60% Sangat Baik
Direksi Very Good Very Good
Aspect IV
Board of Directors
Aspek V 9,00 7,55 83,87% Baik 8,520 94,67% Sangat Baik
Pengungkapan Informasi Good Very Good
dan Transparansi
Aspect V
Information Disclosure
and Transparency
Aspek VI 5,00 5,00 100% Sangat Baik 4,286 86,00% Sangat Baik
Aspek Lainnya Very Good Very Good
Aspect VI
Other Aspects
Jumlah 100,00 95,730 95,73% Sangat Baik 91,314 91,31% Sangat Baik
Total Very Good Very Good
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Skor Penilaian Aspek
Tata Kelola Perusahaan Tahun Buku 2023
Corporate Governance Aspects Assessment Score 2023
100
98,9
97,8 98,6 97,5
95 94,7
92 92,6
88,1
86
83,9
Aspek I Aspek II Aspek III Aspek IV Aspek V Aspek VI
Aspect I Aspect II Aspect III Aspect IV Aspect V Aspect VI
2021 2023
Tren Historis Nilai Pelaksanaan
Tata Kelola Perusahaan TUGU Insurance
Historical Trend of Corporate Governance Implementations
Scores at TUGU Insurance
95,730
91,314
89,283
86,963
84,845
82,277
2013 2015 2017 2019 2021 2023
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 207
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
3.
Struktur dan Fungsi Organ
Tata Kelola Perusahaan
Organ Structure and Function of Corporate Governance
Struktur dan Fungsi Organ Tata Kelola Perusahaan
Organ Structure and Function of Corporate Governance
Tugu Insurance menerapkan struktur tata kelola yang Tugu Insurance implements a governance structure that
terdiri dari organ utama yang meliputi Rapat Umum consists of primary bodies, including the General Meeting
Pemegang Saham (RUPS), Dewan Komisaris, dan of Shareholders (RUPS), the Board of Commissioners, and
Direksi, serta organ pendukung yang mencakup berbagai the Board of Directors, as well as supporting bodies that
komite baik di bawah Dewan Komisaris maupun Direksi, encompass various committees under both the Board of
Sekretaris Perusahaan, Audit Internal, serta Tim Ad-Hoc. Commissioners and the Board of Directors, the Corporate
Selain itu, fungsi Kepatuhan dan Manajemen Risiko yang Secretary, Internal Audit, and the Ad-Hoc Team. In addition,
berada di bawah Direktur Kepatuhan dan Manajemen the Compliance and Risk Management functions, which
Risiko, memastikan pengelolaan risiko dan kepatuhan operate under the Director of Compliance and Risk
terhadap regulasi. Sinergi antara organ utama dan Management, ensure risk management and regulatory
pendukung ini memperkuat transparansi, akuntabilitas, compliance. The synergy between these primary and
dan efektivitas tata kelola sesuai prinsip Good Corporate supporting bodies reinforces transparency, accountability,
Governance (GCG). and the effectiveness of governance in accordance with
Good Corporate Governance (GCG) principles.
RUPS
GMS
Dewan Komisaris Direksi
Board of Commissioners Board of Directors
Komite Pemantau
Komite Audit Sekretaris Perusahaan Audit Internal
Risiko
Audit Commitee Corporate Secretary Internal Audit
Risk Monitoring Committee
Komite Nominasi Komite Tata Kelola
Kepatuhan Manajemen Risiko
dan Remunerasi Terintegrasi
Compliance Risk Management
Nomination and Integrated Governance
Remuneration Committee Committee
Fungsi/Unit Lain
Komite-Komite
sebagaimana Struktur
Committees
Sekretaris Dewan Komisaris Organisasi
Secretary of the Board of Other Functions/Units
Commissioners Komite Investasi as in the
Investment Committee Organization Structure
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah Teknologi Informasi
Information Technology
Steering Committee
Komite Pengembangan Produk
Insurance Product Development
Committee
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Mekanisme Tata Kelola Perusahaan
Corporate Governance Mechanisme
Tugu Insurance menerapkan tata kelola perusahaan Tugu Insurance implements corporate governance with
dengan struktur yang jelas dan terintegrasi. RUPS a clear and integrated structure. The General Meeting
memegang otoritas tertinggi, Dewan Komisaris bertugas of Shareholders (GMS) holds the highest authority,
mengawasi dan memberi saran, sementara Direksi the Board of Commissioners supervises and provides
menjalankan operasional dengan independensi sesuai recommendations, while the Board of Directors
regulasi. Perusahaan menetapkan kebijakan yang independently manages operations in compliance with
mengatur tugas, wewenang, serta hubungan antarorgan regulations. The company establishes policies that define
sesuai dengan peraturan perundang-undangan, Anggaran responsibilities, authorities, and inter-organ relationships
Dasar Perusahaan, serta kebijakan internal berdasarkan in accordance with applicable laws, the Articles of
prinsip saling menghormati dan akuntabilitas. Association, and internal policies, based on principles of
mutual respect and accountability.
Pedoman Tata Kelola Perusahaan, Etika dan Pedoman Lainnya
Corporate Governance Guidelines, Ethics, and Other Policies
Setiap elemen tata kelola di Tugu Insurance menjalankan Each element of governance at Tugu Insurance carries
tugasnya sesuai dengan peraturan yang berlaku, out its duties in accordance with applicable regulations,
didukung oleh pedoman kerja yang menjadi acuan utama supported by work guidelines that serve as the primary
dalam menjalankan fungsi masing-masing. Pedoman reference in executing their respective functions. These
ini tidak hanya berperan sebagai kebijakan pendukung guidelines not only act as supporting policies in the
dalam penerapan tata kelola perusahaan, tetapi implementation of corporate governance but also reflect a
juga mencerminkan komitmen terhadap disiplin dan strong commitment to discipline and accountability based
akuntabilitas berbasis prinsip tata kelola yang baik. on good governance principles.
Selain sebagai referensi kerja, struktur tata kelola In addition to serving as a work reference, the governance
mencakup panduan umum yang berlaku bagi seluruh structure includes general guidelines applicable to all
karyawan. Panduan ini secara resmi menjadi kebijakan employees. These guidelines officially become company
perusahaan setelah disetujui oleh Dewan Komisaris dan policy after being approved by the Board of Commissioners
Direksi, yang mencakup Pedoman Tata Kelola Perusahaan and the Board of Directors, and they include the Code
(Code of Corporate Governance/COCG) dan Pedoman of Corporate Governance (COCG) and the Code of
Sistematika Etika Usaha dan Tata Perilaku (Code of Conduct (CoC). Both are regularly evaluated and updated
Conduct/CoC). Keduanya dievaluasi dan diperbarui to remain aligned with regulations and the company’s
secara berkala agar tetap selaras dengan regulasi dan business developments.
perkembangan bisnis perusahaan.
Pedoman Tata Kelola Perusahaan pertama kali ditetapkan The Code of Corporate Governance was first established
melalui SKD No. 27/SKD/CSG-TPI/IX/08 pada 18 through SKD No. 27/SKD/CSG-TPI/IX/08 on 18
September 2008 dan telah diperbarui dengan Revisi Ke-2 September 2008 and has been updated with its Second
(No. A-001/6500/2022). Pedoman ini menjadi panduan Revision (No. A-001/6500/2022). This guideline serves
utama bagi Dewan Komisaris, Direksi, komite pendukung, as the primary reference for the Board of Commissioners,
serta pemangku kepentingan lainnya dalam menjalankan Board of Directors, supporting committees, and other
peran mereka. stakeholders in fulfilling their roles.
Sementara itu, Pedoman Sistematika Etika Usaha dan Meanwhile, the Code of Conduct was first enacted
Tata Perilaku pertama kali diberlakukan melalui SKD No. through SKD No. 03/SKD/CSG-TPI/I/2009 on 15 January
03/SKD/CSG-TPI/I/2009 pada 15 Januari 2009, dengan 2009, with the latest update in its Second Revision
pembaruan terakhir dalam Revisi Ke-2 pada 25 Agustus on 25 August 2021 (SKD No. 67/SKD/06/ERL-ATPI/
2021 (SKD No. 67/SKD/06/ERL-ATPI/IX/2021, 28 IX/2021, 28 September 2021). This guideline establishes
September 2021). Pedoman ini menjadi standar perilaku behavioral standards for all Tugu personnel in conducting
bagi seluruh insan Tugu dalam menjalankan bisnis guna business to achieve the company’s vision, mission, and
mencapai visi, misi, dan tujuan strategis perusahaan. strategic objectives.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pedoman Tata Kelola Perusahaan juga senantiasa The Code of Corporate Governance is continuously
dilengkapi dan dimutakhirkan untuk merespons dinamika refined and updated to adapt to evolving trends and
dan perkembangan zaman yang mencakup berbagai developments. It encompasses various guidelines,
pedoman meliputi: including:
• Konflik Kepentingan; • Conflict of Interest;
• Pengendalian Gratifikasi; • Gratification Control;
• Strategi Anti-Fraud; • Anti-Fraud Strategy;
• Penanganan Keluhan dan Pengaduan Pelanggan; • Customer Complaints and Dispute Resolution;
• Anti Pencucian Uang dan Pencegahan Pendanaan • Anti-Money Laundering and Counter-Terrorism Financing
Terorisme (APU-PPT); (APU-PPT);
• Keterbukaan Informasi; • Information Disclosure;
• LHKPN; • State Officials’ Asset Report (LHKPN);
• Kepemilikan Saham Anggota Dewan Komisaris • Share Ownership by Members of the Board of
dan Direksi; Commissioners and Board of Directors;
• Kebijakan Komunikasi dengan Pemegang Saham; • Communication Policy with Shareholders;
• Kebijakan Manajemen Risiko; • Risk Management Policy;
• Pengadaan Barang dan Jasa; • Procurement of Goods and Services;
• Sistem Whistleblowing; • Whistleblowing System;
• Kebijakan Privasi; dan • Privacy Policy; and
• Kebijakan Transaksi Bagi Orang Dalam. • Insider Trading Policy.
Tugu Insurance berkomitmen untuk menciptakan Tugu Insurance is committed to fostering an environment
lingkungan yang mendukung penerapan pedoman tersebut that consistently supports the implementation of these
di atas secara konsisten guna memperkuat tata kelola guidelines, reinforcing sustainable corporate governance.
perusahaan yang berkelanjutan.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
3.A
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham merupakan organ As the highest organ of governance that has authority
tata kelola tertinggi yang memiliki kewenangan yang not given to the Board of Commissioners and the Board
tidak diberikan kepada Dewan Komisaris dan Direksi of Directors within limits determined by the Articles of
dalam batas yang ditentukan oleh Anggaran Dasar dan Association and the prevailing laws and regulations, the
peraturan perundang-undangan yang berlaku. Rapat Umum General Meeting of Shareholders (GMS) has a vital role
Pemegang Saham (RUPS) memegang peran penting because it is a forum for shareholders to decide the
sebagai wadah bagi pemegang saham dalam memutuskan direction of the Company’s objectives and appoint and/
arah tujuan Perseroan serta mengangkat dan/atau or dismiss members of the Board of Commissioners
memberhentikan anggota Dewan Komisaris dan Direksi. Di and the Board of Directors. In addition, the GMS also
samping itu, RUPS juga menentukan hal-hal penting terkait determines essential matters related to the Company
dengan Perseroan yang perlu mendapatkan persetujuan that need to obtain approval from the GMS in accordance
dari RUPS sesuai Peraturan perundang-undangan yang with prevailing laws and regulations and/or the articles
berlaku dan/atau anggaran dasar. of association.
Dasar Hukum
Legal Basis
Dalam menyelenggarakan RUPS, Perseroan mengacu pada The Company refers to various rules and regulations to
berbagai peraturan dan ketentuan antara lain: organize GMS, among others:
1. Undang-Undang No. 40 Tahun 2007 tentang 1. Law No. 40 of 2007 regarding Limited
Perseroan Terbatas; Liability Companies;
2. Peraturan OJK No. 15/POJK.04/2020 tentang Rencana 2. OJK Regulation No. 15/POJK.04/2020 regarding
dan Penyelenggaraan Rapat Umum Pemegang Saham the Plan and Holding of the General Meeting of
Perusahaan Terbuka; Shareholders of a Public Company;
3. Peraturan OJK No. 16/POJK.04/2020 tentang 3. OJK Regulation No. 16/POJK.04/2020 concerning
Pelaksanaan Rapat Umum Pemegang Saham the Holding of the Electronic General Meeting of
Perusahaan Terbuka Secara Elektronik; dan Shareholders of Public Companies; and
4. Anggaran Dasar Perseroan. 4. The Company’s Articles of Association.
Jenis RUPS
Type of GMS
Perusahaan memiliki 2 (dua) jenis RUPS: The Company has 2 (two) types of GMS:
1. RUPS Tahunan (RUPST) 1. Annual GMS (AGMS)
RUPS Tahunan harus diselenggarakan setiap tahun The AGMS must be held annually within a period
dalam jangka waktu paling lambat 6 (enam) bulan of no later than 6 (six) months after the end of the
setelah tahun buku berakhir, kecuali dalam kondisi fiscal year, except in certain conditions stipulated
tertentu yang diatur oleh Otoritas Jasa Keuangan atau by the Financial Services Authority or applicable
peraturan perundang-undangan yang berlaku. Hal-hal laws and regulations. The AGMS addresses the
yang diputuskan dalam RUPST meliputi: following matters:
a. Persetujuan Laporan Tahunan Perusahaan, a. Approval of the Company’s Annual Report, including
termasuk pengesahan Laporan Keuangan Tahunan the ratification of the Annual Financial Statements
serta laporan tugas pengawasan Dewan Komisaris; as well as the report on the supervisory duties of
the Board of Commissioners;
b. Persetujuan penentuan penggunaan laba b. Approval of the allocation of the Company’s net
bersih Perusahaan; profit;
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
c. Persetujuan penunjukan kantor akuntan publik; dan c. Approval of the appointment of a public accounting
firm; and
d. Hal-hal lain yang memerlukan persetujuan RUPS d. Other matters requiring GMS approval in
sesuai dengan ketentuan dalam Anggaran Dasar. accordance with the provisions in the Articles
of Association.
2. RUPS Luar Biasa (RUPSLB) 2. Extraordinary GMS (EGMS)
Perusahaan dapat menyelenggarakan RUPSLB The Company may hold an EGMS at any time as
kapan saja sesuai dengan kebutuhan untuk needed for the benefit of the Company.
kepentingan Perusahaan.
Informasi tentang Pelaksanaan RUPS di Tahun 2024
Information on GMS Implementation in 2024
Sepanjang tahun 2024, Perseroan telah menyelenggarakan Throughout 2024, The Company has held 1 (one) AGMS
1 (satu) kali RUPST pada 29 April 2024. RUPST on 29 April 2024. The AGMS are held physically or online
diselenggarakan secara fisik maupun online (hybrid) (hybrid) and are attended by shareholders, the Board
dan dihadiri oleh pemegang saham, Dewan Komisaris, of Commissioners, Directors, and representatives from
Direksi, dan perwakilan dari lembaga/profesi penunjang capital market supporting institutions/professions.
pasar modal.
Perseroan melakukan RUPST tersebut dengan The Company conducts the Annual General Meeting of
memenuhi prosedur yang telah diatur dengan melakukan Shareholders (AGM) by complying with the established
pemberitahuan, pengumuman, dan pemanggilan dengan procedures through notifications, announcements, and
rincian sebagai berikut: summons, with the following details:
Pengumuman kepada Pemanggilan Pengumuman Ringkasan
Pemberitahuan kepada
Pemegang Saham Pemegang Saham Pelaksanaan Risalah RUPST
OJK
Announcement to the Invitation to the Implementation Announcement of the
Notification to OJK
Shareholders Shareholders Minutes Summary of AGMS
14 Maret 2024 21 Maret 2024 Pemanggilan RUPST: 29 April 2024 2 Mei 2024
14 March 2024 21 March 2024 5 April 2024 29 April 2024 2 May 2024
AGMS Call :
5 April 2024
Ralat pemanggilan RUPST:
26 April 2024
Correction to the AGMS
Call:
26 April 2024
Kehadiran Pemegang Saham dalam RUPST
Attendance of Shareholders in the AGMS
Keikutsertaan pemegang saham dalam RUPST 2024 Shareholders’ participation in the AGMS for the year 2024
dilakukan dengan mekanisme sebagai berikut: was conducted through one of the following methods:
1. Hadir dalam Rapat secara fisik; 1. Attending the meeting in person;
2. Hadir dalam Rapat secara elektronik melalui aplikasi 2. Attending the meeting electronically via the eASY.KSEI
eASY.KSEI; atau application; or
3. Diwakili pihak lain dengan memberikan kuasa secara 3. Being represented by another party through an
elektronik melalui aplikasi eASY.KSEI atau memberikan electronic power of attorney via the eASY.KSEI
kuasa secara tertulis. application or by submitting a written power of attorney.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Mekanisme Pengambilan Keputusan
Decision-Making Mechanism
Mekanisme pengambilan keputusan dalam RUPS Tahunan The decision-making mechanism at the Annual GMS is
adalah sebagai berikut: as follows:
Keputusan Rapat dilakukan dengan cara musyawarah Meeting decisions are made based on deliberation for
untuk mufakat. Dalam hal musyawarah untuk mufakat consensus. In the event that mutual deliberation for
tidak tercapai, maka keputusan diambil dengan consensus is not reached, the decisions are made through
pemungutan suara. voting. The decision is valid if it is approved by more than
1/2 (one half) of all shares with voting rights present at
the Meeting.
Keterlibatan Pihak Independen dalam Penghitungan Suara
Involvement of Independent Parties in the Vote Counting
Dalam pelaksanaan RUPST, Perusahaan menunjuk Involvement of Independent Parties in the Vote Counting
pihak independen untuk menghitung kuorum kehadiran In the (AGMS), the Company appoints independent parties
rapat dan melaksanakan pemungutan suara, yaitu to count the meeting’s attendance quorum and conduct
Notaris Mala Mukti SH, LL.M, dan Registrar Saham, PT the voting, namely Notary Mala Mukti SH, LL.M, and the
Datindo Entrycom. Share Registrar, PT Datindo Entrycom.
Keputusan RUPST
Resolutions of AGMS
Keputusan RUPST 2024 dituangkan dalam Berita Acara The decision of the AGMS 2024 is recorded in the AGMS
RUPST PT Asuransi Tugu Pratama Indonesia Tbk No. 189 Minutes of PT Asuransi Tugu Pratama Indonesia Tbk No.
tanggal 29 April 2024, dibuat dihadapan Notaris Mala 189 dated 29 April 2024, made in the presence of Notary
Mukti SH, LL.M. Mala Mukti SH, LL.M.
1 Mata Acara 1 Agenda 1
Persetujuan Laporan Tahunan Perseroan tahun buku 2023 disertai pemberian pelunasan dan pembebasan tanggung jawab sepenuhnya (volledig
acquit et de-charge) kepada Direksi dan Dewan Komisaris.
Approval of the 2023 financial year Annual Report of the Company, accompanied by the granting of full release and discharge (volledig acquit et
de-charge) to the Board of Directors and the Board of Commissioners of the Company.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
3.027.161.450 suara atau 8.140.140 suara atau 100 suara atau 0,0000033% dari
99,7318145% dari seluruh 0,2681822% dari seluruh saham seluruh saham dengan hak suara
saham dengan hak suara yang dengan hak suara yang hadir yang hadir dalam Rapat.
hadir dalam Rapat. dalam Rapat.
100 votes or 0.0000033% of
3,027,161,450 votes 8,140,140 votes or 0.2681822% the total shares with legal voting
99.7318145% of the total shares of the total shares with legal rights present at the Meeting.
with legal voting rights present at voting rights present at the
the Meeting. Meeting.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan Rapat 1. Menyetujui Laporan Tahunan Perseroan 1. Approved the Company’s Annual Report
Meeting Resolutions termasuk Laporan Tugas Pengawasan Dewan including the Board of Commissioners
Komisaris serta mengesahkan Laporan Supervisory Report and ratified the Company’s
Keuangan Konsolidasian Perseroan untuk Consolidated Financial Statements for the
tahun buku yang berakhir 31 Desember 2023, financial year ended 31 December 2023, which
yang tercermin dalam laporan posisi keuangan are reflected in the consolidated statement of
dan laporan laba rugi serta penghasilan financial position and income statement and
komprehensif lain Konsolidasian Perseroan other comprehensive income of the Company
beserta penjelasannya yang telah diaudit with its explanations, which have been audited
Kantor Akuntan Publik (KAP) Amir Abadi Jusuf, by the Public Accounting Firm Amir Abadi Jusuf,
Aryanto, Mawar, dan Rekan, sesuai laporan No. Aryanto, Mawar and Partners, according to
002209/2.1030/AU.1/08/1298-2/1/III/2024 report No. 002209/2.1030/AU.1/08/1298-
tanggal 22 Maret 2024, dengan pendapat 2/1/III/2024 dated 22 March 2024, with the
“Wajar dalam semua hal yang material”. opinion “Fairly stated in all material respects”.
2. Atas telah disetujuinya Laporan Tahunan 2. Upon the approval of the Company’s Annual
Perseroan, termasuk Laporan Tugas Dewan Report, including the Board of Commissioners
Komisaris, serta disahkannya Laporan Supervisory Report, and the ratification of the
Keuangan Konsolidasian Perseroan untuk Company’s Consolidated Financial Statements
tahun buku yang berakhir pada 31 Desember for the financial year ended 31 December 2023,
2023, maka Rapat memberikan pelunasan the Meeting granted full release and discharge
dan pembebasan tanggung jawab sepenuhnya of responsibility (volledig acquit et de charge) to
(volledig acquit et de charge) kepada Direksi dan the Board of Directors for management actions,
Dewan Komisaris atas tindakan pengurusan dan and to the Board of Commissioners for the
pengawasan yang telah dijalankan selama tahun supervisory actions that have been carried out
buku yang berakhir pada 31 Desember 2023, in the financial year ended 31 December 2023,
sepanjang: as long as:
a. Tindakan-tindakan tersebut tercermin dalam a. These actions are reflected in the
Laporan Tahunan Perseroan (termasuk Company’s Annual Report (including
laporan keuangan) tahun buku yang berakhir consolidated financial statements) for the
Desember 2023. year ended December 2023.
b. Tindakan–tindakan tersebut bukan b. These actions are not criminal acts and/or
merupakan tindak pidana dan/atau unlawful acts.
perbuatan melawan hukum.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
2 Mata Acara 2 Agenda 2
Penetapan penggunaan laba bersih Perseroan tahun buku 2023.
Determination of the appropriation of the Company’s net profits for the 2023 financial year.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
3.030.166.990 suara atau 5.134.600 suara atau 100 suara atau 0,0000033% dari
99,8308339% dari seluruh 0,1691628% dari seluruh saham seluruh saham dengan hak suara
saham dengan hak suara yang dengan hak suara yang hadir yang hadir dalam Rapat.
hadir dalam Rapat. dalam Rapat.
3,030,166,990 votes or 5,134,600 votes or 0.1691628% 100 votes or 0.0000033% of
99.8308339% of the total shares of the total shares with legal the total shares with legal voting
with legal voting rights present at voting rights present at the rights present at the Meeting.
the Meeting. Meeting.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Keputusan Rapat 1. Menetapkan Penggunaan Laba Tahun 1. Determine the Use of Income for the Year
Meeting Resolutions Berjalan yang dapat diatribusikan kepada attributable to equity holders of the parent
pemilik entitas induk Perseroan Tahun Buku entity for the Financial Year ended 31 December
yang berakhir 31 Desember 2023 sebesar 2023 amounted to IDR1,322,393,811,000 as
Rp1.322.393.811.000,- sebagai berikut: follows:
a. Sebesar 40% dari Laba Tahun Berjalan a. 40% of the Income for the Year attributable
yang dapat diatribusikan kepada pemilik to equity holders of the parent entity or
entitas induk Perseroan atau sebesar IDR528,957,524,400 as dividends to
Rp528.957.524.400,- sebagai dividen shareholders in accordance with their
kepada pemegang saham sesuai dengan respective shares ownership portion, with
porsi kepemilikan saham pada Perseroan the following details:
dengan rincian sebagai berikut:
i. Telah dibayarkan sebesar i. IDR90,710,513,158 has been paid in
Rp90.710.513.158,- sesuai dengan accordance with the Announcement to
Pemberitahuan Kepada Pemegang Shareholders regarding the Distribution
Saham Tentang Pembagian Dividen of Interim Dividends on 28 November
Interim pada tanggal 28 November 2023; and
2023; dan
ii. Akan dibayarkan secara tunai sebesar ii. Will be paid in cash amounting to
Rp438.247.011.242,- IDR438,247,011,242.
Pelunasan pembayaran dividen kepada Dividend payments to shareholders
pemegang saham harus dilakukan must be made before the tantiem
terlebih dahulu sebelum pembayaran payment for the Company’s Board of
Tantiem Direksi dan Dewan Komisaris Directors and Board of Commissioners.
Perseroan.
b. Sebesar 60% dari Laba Tahun Berjalan b. 60% of the Income for the Year attributable
yang dapat diatribusikan kepada pemilik to equity holders of the parent entity or
entitas induk Perseroan atau sebesar IDR793,436,286,600 as retained earnings.
Rp793.436.286.600,- sebagai laba
ditahan.
2. Memberikan kuasa dan wewenang kepada 2. Grants the power and authority to the Board of
Direksi Perseroan untuk mengatur tata cara Directors of the Company to arrange the cash
pembayaran dividen tunai dimaksud selambat- dividend payment distribution procedure no later
lambatnya 30 hari setelah diumumkannya than 30 days after the announcement of the
ringkasan RUPS Tahunan Perseroan ini. summary of the Company’s Annual GMS.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
3 Mata Acara 3 Agenda 3
Penunjukan Kantor Akuntan Publik (KAP) untuk tahun buku 2024.
Appointment of the Company’s Public Accountant Firm for the 2024 financial year.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
3.019.449.639 suara atau 5.134.600 suara atau 10.717.451 suara atau
99,4777438% dari seluruh 0,1691628% dari seluruh saham 0,3530934% dari seluruh saham
saham dengan hak suara yang dengan hak suara yang hadir dengan hak suara yang hadir
hadir dalam Rapat. dalam Rapat. dalam Rapat.
3,019,449,639 votes or 5,134,600 votes or 0.1691628% 10,717,451 votes or
99.4777438% of the total shares of the total shares with legal 0.3530934% of the total shares
with legal voting rights present at voting rights present at the with legal voting rights present at
the Meeting. Meeting. the Meeting.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 215
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan Rapat Memberikan pelimpahan kewenangan dan kuasa To grant authority and power to the Board of
Meeting Resolutions kepada Dewan Komisaris Perseroan untuk Commissioners of the Company to appoint a Public
menetapkan Kantor Akuntan Publik (KAP) dalam Accounting Firm (KAP) for auditing the Company’s
melakukan pemeriksaan atas Laporan Keuangan Financial Statements for the fiscal year ending
Perseroan untuk tahun buku yang berakhir pada on 31 December 2024, including the fees for
31 Desember 2024, berikut besaran nilai jasanya, their services, in compliance with applicable laws
sesuai ketentuan dan peraturan yang berlaku, and regulations. This also includes appointing a
termasuk menunjuk KAP pengganti bilamana, karena replacement KAP if, for any reason, the appointed
sebab apa pun juga berdasarkan ketentuan pasar KAP is unable to perform their duties, provided that
modal di Indonesia apabila KAP yang ditunjuk tidak the KAP is registered with the Financial Services
dapat melaksanakan tugasnya, dengan bahwa KAP Authority, and with prior coordination with the
tersebut terdaftar di Otoritas Jasa Keuangan dengan Controlling Shareholder, in this case, PT Pertamina
terlebih dahulu berkoordinasi kepada Pemegang (Persero).
Saham Pengendali, dalam hal ini PT Pertamina
(Persero).
Tindak Lanjut/Realisasi Selesai/terlaksana melalui Surat Keputusan Dewan Komisaris No. 36/S/KOM-ATPI/VI/2024.
Follow-up/Realization Completed/realized through the Board of Commissioners' Decree No. 36/S/KOM-ATPI/VI/2024.
4 Mata Acara 4 Agenda 4
Penetapan penghargaan atas kinerja (tantiem) tahun 2023 kepada Direksi dan Dewan Komisaris serta penetapan remunerasi tahun 2024
kepada Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah (DPS).
Determination of tantiem for the 2023 financial year to the Board of Directors and the Board of Commissioners of the Company and
remuneration for the 2024 financial year for the Board of Directors, the Board of Commissioners, and the Sharia Supervisory Board of the
Company.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
3.030.166.990 suara atau 5.134.600 suara atau 100 suara atau 0,0000033% dari
99,8308339% dari seluruh 0,1691628% dari seluruh saham seluruh saham dengan hak suara
saham dengan hak suara yang dengan hak suara yang hadir yang hadir dalam Rapat.
hadir dalam Rapat. dalam Rapat.
3,030,166,990 votes or 5,134,600 votes or 0.1691628% 100 votes or 0.0000033% of
99.8308339% of the total shares of the total shares with legal the total shares with legal voting
with legal voting rights present at voting rights present at the rights present at the Meeting.
the Meeting. Meeting.
216 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 219
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Keputusan Rapat 1. Tantiem 1. Tantiem
Meeting Resolutions Memberikan kuasa dan wewenang kepada Grants the power and authority to the Company’s
Dewan Komisaris Perseroan, dengan terlebih Board of Commissioners, with prior approval
dahulu mendapat persetujuan PT Pertamina from PT Pertamina (Persero) as the controlling
(Persero) sebagai pemegang saham pengendali, shareholder, to determine Performance Rewards
untuk menetapkan Penghargaan atas Kinerja (Tantiem/Performance Incentives/Special
(Tantiem/Insentif Kinerja/Insentif Khusus) bagi Incentives) for members of the Company’s Board
anggota Direksi dan Dewan Komisaris Perseroan of Directors and Board of Commissioners for the
untuk tahun buku 2023. 2023 financial year.
2. Remunerasi 2. Remuneration
Memberikan kuasa dan wewenang kepada Grants the power and authority to the Company’s
Dewan Komisaris Perseroan, dengan terlebih Board of Commissioners, with prior approval
dahulu mendapat persetujuan PT Pertamina from PT Pertamina (Persero) as the controlling
(Persero) sebagai pemegang saham pengendali, shareholder, to determine the amount of salary/
untuk menetapkan besarnya gaji/honorarium, honorarium, allowances, and facilities for
tunjangan, dan fasilitas bagi anggota Direksi, members of the Board of Directors, the Board
Dewan Komisaris, dan Dewan Pengawas Syariah of Commissioners, and the Sharia Supervisory
(DPS) Perseroan untuk tahun buku 2024. Board (DPS) of the Company for the 2024
financial year.
Perseroan wajib melaporkan secara tertulis The Company is obliged to submit a written
kepada PT Pertamina (Persero) selaku report to PT Pertamina (Persero) as the
pemegang saham pengendali terkait controlling shareholder regarding the
implementasi dari penetapan penghargaan implementation of the 2023 Performance
atas Kinerja (Tantiem/Insentif Kinerja/Insentif Rewards (Tantiem/Performance Incentives/
Khusus) Tahun 2023 kepada Direksi dan Dewan Special Incentives) to the Board of Directors
Komisaris, serta penetapan Remunerasi Tahun and Board of Commissioners, as well as the
2024 kepada Direksi, Dewan Komisaris, dan 2024 Remuneration determination for the Board
Dewan Pengawas Syariah (DPS) selambat- of Directors, Board of Commissioners, and the
lambatnya 3 (tiga) bulan setelah implementasi. Sharia Supervisory Board (DPS) no later than 3
(three) months after implementation.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
5 Mata Acara 5 Agenda 5
Persetujuan laporan pertanggungjawaban realisasi penggunaan dana hasil Penawaran Umum.
Approval of the accountability report on the utilization of proceeds from the Initial Public Offering.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
3.030.166.990 suara atau 5.134.600 suara atau 100 suara atau 0,0000033% dari
99,8308339% dari seluruh 0,1691628% dari seluruh saham seluruh saham dengan hak suara
saham dengan hak suara yang dengan hak suara yang hadir yang hadir dalam Rapat.
hadir dalam Rapat. dalam Rapat.
3,030,166,990 votes or 5,134,600 votes or 0.1691628% 100 votes or 0.0000033% of
99.8308339% of the total shares of the total shares with legal the total shares with legal voting
with legal voting rights present at voting rights present at the rights present at the Meeting.
the Meeting. Meeting.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 217
Page 220
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan Rapat Menyetujui Laporan Pertanggungjawaban Realisasi Approved the Accountability Report of the Realization
Meeting Resolutions Penggunaan Dana Hasil Penawaran Umum: of the Use of Proceeds from the Public Offering:
• Seluruh dana yang telah diperoleh sebesar • The total of proceeds obtained amounted to
Rp684.444.530.000,- IDR684,444,530,000,-
• Jumlah biaya yang telah dikeluarkan dalam • The total emission cost amounted to
rangka pelaksanaan penawaran umum sebesar IDR25,742,358,837,-
Rp25.742.358.837,-
• Dana yang telah direalisasikan • The realization of the use of proceeds
dan peruntukannya sebesar that have been used amounted to
Rp586.091.519.814,10. IDR586,091,519,814.10.
Dana yang masih tersisa Rp72.610.651.348,90 The remaining funds amounted to
dan alasan dana tersebut belum terealisasi IDR72,610,651,348.90, and the reason it has not
dikarenakan semua kegiatan yang tercantum dalam been realized is that all activities mentioned in the
prospektus dilakukan secara bertahap. prospectus are carried out in stages.
Perseroan akan merealisasikan sisa dana hasil The Company will realize the remaining funds from
Penawaran Umum Perdana Saham sebesar the Initial Public Offering of IDR72,610,651,348.90
Rp72.610.651.348,90 di tahun 2024 atau tahun in 2024 or the following year while considering
berikutnya dengan tetap memperhatikan peraturan compliance with applicable laws and regulations and
perundang-undangan yang berlaku dan prinsip GCG. GCG principles.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
6 Mata Acara 6 Agenda 6
Persetujuan perubahan susunan pengurus Perseroan.
Approval of the changes in the management composition of the Company.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
2.993.279.604 suara atau 5.471.900 suara atau 36.550.186 suara atau
98,6155549% dari seluruh 0,1802753% dari seluruh saham 1,2041698% dari seluruh saham
saham dengan hak suara yang dengan hak suara yang hadir dengan hak suara yang hadir
hadir dalam Rapat. dalam Rapat. dalam Rapat.
2,993,279,604 votes or 5,471,900 votes or 0.1802753% 36,550,186 votes or
98.6155549% of the total shares of the total shares with legal 1.2041698% of the total shares
with legal voting rights present at voting rights present at the with legal voting rights present at
the Meeting. Meeting. the Meeting.
218 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Keputusan Rapat 1. Pemberhentian dengan hormat Nyonya Dian 1. Honorably discharged Mrs. Dian Masyita as of
Meeting Resolutions Masyita terhitung sejak ditutupnya Rapat the closing of the Meeting with appreciation for
dengan ucapan terima kasih atas segala all the contributions, energy, and thoughts given
sumbangan, tenaga, dan pikiran yang diberikan while serving as President Commissioner and
selama menjabat sebagai Presiden Komisaris Independent Commissioner.
merangkap Komisaris Independen.
2. Pengangkatan kembali Tuan Emil Hakim sebagai 2. Re-appointed Mr. Emil Hakim as Finance and
Direktur Keuangan dan Layanan Korporat Corporate Services Director starting from
terhitung sejak ditutupnya Rapat sampai dengan the closing of the Meeting until the closing
penutupan Rapat Umum Pemegang Saham of the 3rd (third) Annual General Meeting of
(RUPS) Tahunan ke-3 (ketiga) pada akhir 1 Shareholders (GMS) at the end of 1 (one) period
(satu) periode masa jabatan dimaksud dengan term of office referred with due observance
memperhatikan ketentuan Anggaran Dasar of the Company’s Articles of Association and
Perseroan dan peraturan perundang-undangan applicable laws and regulations, however, does
yang berlaku, namun demikian tidak mengurangi not reduce the right of the GMS to dismiss
hak RUPS untuk memberhentikan anggota members of the Board of Directors at any time
Direksi tersebut sewaktu-waktu sebelum masa before their term of office ends.
jabatannya berakhir.
3. Pengangkatan Tuan Abdul Ghofar sebagai 3. Appointed Mr. Abdul Ghofar as President
Presiden Komisaris merangkap Komisaris Commissioner and concurrently Independent
Independen terhitung efektif sejak tanggal Commissioner effective from the date of the
ditetapkannya Hasil Penilaian Kemampuan Financial Services Authority (OJK) Fit and
dan Kepatutan Otoritas Jasa Keuangan (OJK) Proper Test Results and until the closing of the
dan berakhir pada penutupan RUPS Tahunan 3rd (third) Annual GMS at the end of 1 (one)
ke-3 (ketiga) pada akhir 1 (satu) periode masa period term of office with due observance of
jabatan dimaksud dengan memperhatikan the Company’s Articles of Association and
ketentuan Anggaran Dasar Perseroan dan applicable laws and regulations, however, does
peraturan perundang-undangan yang berlaku, not reduce the right of the GMS to dismiss the
namun demikian tidak mengurangi hak RUPS Commissioner at any time before their term of
untuk memberhentikan Anggota Komisaris office ends.
tersebut sewaktu-waktu sebelum masa
jabatannya berakhir. 4. For the appointed members of the Board of
4. Bagi Anggota Dewan Komisaris dan Direksi yang Commissioners and the Board of Directors as
diangkat sebagaimana angka 2 (dua) dan 3 mentioned above in point 2 (two) and 3 (three),
(tiga) di atas yang masih menjabat pada jabatan members of the Board of Commissioners, and
lain yang dilarang oleh peraturan perundang- members of the Board of Directors who are still
undangan untuk dirangkap dengan jabatan serving in other positions that are prohibited
anggota Dewan Komisaris dan Direksi, maka by laws and regulations to be held concurrently
yang bersangkutan harus mengundurkan diri with the positions of members of the Board of
atau diberhentikan dari jabatannya tersebut. Commissioners and the Board of Directors then
those concerned must resign or be dismissed
from that position.
5. Dengan adanya pemberhentian dan 5. With the dismissal and appointment of the
pengangkatan Dewan Komisaris dan Direksi Board of Commissioners and the Board of
sebagaimana dimaksud pada angka 1 (satu), Directors as mentioned above in point 1 (one),
2 (dua), dan 3 (tiga) di atas maka susunan 2 (two), and 3 (three), the composition of the
keanggotaan Dewan Komisaris dan Direksi PT membership of the Board of Commissioners
Asuransi Tugu Pratama Indonesia Tbk menjadi and the Board of Directors of PT Asuransi Tugu
sebagai berikut: Pratama Indonesia Tbk. is as follows:
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 219
Page 222
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
DEWAN KOMISARIS BOARD OF COMMISSIONERS
Presiden Komisaris/Komisaris Independen: President Commissioner/Independent
Abdul Ghofar* Commissioner:
Abdul Ghofar*
Komisaris: Commissioner:
Bagus Agung Rahadiansyah Bagus Agung Rahadiansyah
Komisaris: Commissioner:
Samuel Ramna Samuel Ramna
Komisaris Independen: Independent Commissioner:
Poerwo Tjahjono Poerwo Tjahjono
Komisaris Independen: Independent Commissioner:
Tajudin Noor Tajudin Noor
*) Efektif sejak tanggal ditetapkannya Hasil *) Waiting for the fit and proper test result from
Penilaian Kemampuan dan Kepatutan Otoritas Financial Services Authority (OJK).
Jasa Keuangan (OJK)
DIREKSI BOARD OF DIRECTORS
Presiden Direktur: President Director:
Tatang Nurhidayat Tatang Nurhidayat
Direktur Keuangan & Layanan Korporat: Financial & Corporate Service Director:
Emil Hakim Emil Hakim
Direktur Pemasaran Asuransi: Insurance Marketing Director:
Ery Widiatmoko Ery Widiatmoko
Direktur Teknik: Technical Director:
Sudarlin Sudarlin
Direktur Kepatuhan & Manajemen Risiko: Compliance & Risk Management Director:
Edi Yoga Prasetyo Edi Yoga Prasetyo
Memberikan kuasa dengan hak substitusi kepada Granting authority with the right of substitution
Direksi Perseroan untuk melakukan segala tindakan to the Company’s Board of Directors to take all
yang diperlukan berkaitan dengan keputusan mata necessary actions related to this agenda decision
acara ini sesuai dengan peraturan perundang- in accordance with applicable laws and regulations,
undangan yang berlaku, termasuk untuk menyatakan including formalizing it in a separate Notarial Deed
dalam Akta Notaris tersendiri dan memberitahukan and notifying the composition of the Company’s
susunan Direksi dan Dewan Komisaris Perseroan Board of Directors and Board of Commissioners
kepada Kementerian Hukum dan Hak Asasi Manusia to the Ministry of Law and Human Rights of the
Republik Indonesia. Republic of Indonesia.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization
Sdr. Abdul Ghofar dinyatakan memenuhi persyaratan untuk menjadi Presiden Komisaris merangkap
Komisaris Independen Perseroan oleh OJK pada tanggal 03 Desember 2024, sehingga pengangkatan Sdr.
Abdul Ghofar sebagai Presiden Komisaris merangkap Komisaris Independen terhitung efektif sejak 03
Desember 2024, yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 81 tanggal 20 Desember
2024, dibuat di hadapan notaris Mala Mukti SH, LL.M.
Completed/realized.
Mr. Abdul Ghofar has been declared to meet the requirements to become the President of the Board
of Commissioners concurrently serving as an Independent Commissioner of the Company by the OJK
on December 03, 2024. Consequently, his appointment as President Commissioner cum Independent
Commissioner becomes effective as of 03 December 03 2024, as recorded in the Notarial Deed of Meeting
Decision No. 81 dated 20 December 20 2024, executed in the presence of Notary Mala Mukti SH, LL.M.
220 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 223
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Informasi tentang Keputusan RUPST Sebelumnya dan Realisasinya
Information on Resolution and Realization of Prior AGMS
Keputusan RUPST 2023 dituangkan dalam Berita Acara The resolutions of the AGMS for the Year 2023 are stated
RUPST PT Asuransi Tugu Pratama Indonesia Tbk No. 122 in the Minutes of the AGMS of PT Asuransi Tugu Pratama
tanggal 28 April 2023, dibuat dihadapan Notaris Jose Indonesia Tbk No. 122 dated 28 April 2023, made before
Dima Satria SH, MKn. Notary Jose Dima Satria SH, MKn.
1 Mata Acara 1 Agenda 1
Persetujuan Laporan Tahunan Tahun Buku 2022 disertai Pemberian Pelunasan dan Pembebasan Tanggung Jawab Sepenuhnya (Volledig acquit et
de-charge) kepada Direksi dan Dewan Komisaris Perseroan.
Approval of the Annual Report for the 2022 Fiscal Year accompanied by Full Repayment and Release of Responsibility (Volledig acquit et de-
charge) to the Company's Directors and Board of Commissioners.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.501.632.348 suara atau 479.520 suara atau 0,0319223% 35.200 suara atau 0,0023433%
99,9657344% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,501,632,348 votes or 479,520 votes or 0.0319223% 35,200 votes or 0.0023433%
99.9657344% of all shares of all shares with voting rights of all shares with voting rights
with voting rights present at the present at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat 1. Menyetujui Laporan Tahunan Perseroan 1. Approved the Company’s Annual Report,
Meeting Resolutions termasuk Laporan Tugas Pengawasan Dewan including the Board of Commissioners’
Komisaris serta mengesahkan Laporan Supervisory Duties Report, and ratified the
Keuangan Konsolidasian Perseroan untuk Company’s Consolidated Financial Report for
tahun buku yang berakhir 31 Desember 2022, the fiscal year ending 31 December 2022, which
yang tercermin dalam laporan posisi keuangan is reflected in the Company’s consolidated
dan laporan laba rugi serta penghasilan statement of financial position and income
komprehensif lain Konsolidasian Perseroan statement and other comprehensive income,
beserta penjelasannya yang telah diaudit oleh along with its explanation, which has been
Kantor Akuntan Publik (KAP) Amir Abadi Jusuf, audited by the Public Accounting Firm (KAP)
Aryanto, Mawar & Rekan, sesuai laporan Nomor: Amir Abadi Jusuf, Aryanto, Mawar & Partners,
00228/2.1030/AU.1/08/1298-1/1/III/2023 according to report Number: 00228/2.1030/
tanggal 28 Maret 2023 dengan pendapat “Wajar AU.1/08/1298-1/1/III/2023, dated 28 March
dalam semua hal yang material”. 2023, with the opinion “Unqualified Opinion”.
2. Atas telah disetujuinya Laporan Tahunan 2. Upon approval of the Company’s Annual Report,
Perseroan, termasuk Laporan Tugas Dewan including the Board of Commissioners’ Duties
Komisaris, serta disahkannya Laporan Report, and ratification of the Company’s
Keuangan Konsolidasian Perseroan untuk Tahun Consolidated Financial Report for the Fiscal Year
Buku yang berakhir pada tanggal 31 Desember ending 31 December 2022, the Meeting granted
2022, maka Rapat memberikan pelunasan full release and discharge of responsibility
dan pembebasan tanggung jawab sepenuhnya (volledig acquit et de charge) to the Board of
(volledig acquit et de charge) kepada Direksi dan Directors and Board of Commissioners for
Dewan Komisaris atas tindakan pengurusan dan management and supervision actions that
pengawasan yang telah dijalankan selama Tahun have been carried out during the Financial Year
Buku yang berakhir pada tanggal 31 Desember ending 31 December 2022, as long as:
2022, sepanjang:
a. Tindakan-tindakan tersebut tercermin dalam a. These actions are reflected in the
Laporan Tahunan Perseroan (termasuk Company’s Annual Report (including
Laporan Keuangan) Tahun Buku yang Financial Reports) for the Fiscal Year ending
berakhir Desember 2022. December 2022.
b. Tindakan-tindakan tersebut bukan b. These actions are not criminal acts and/or
merupakan tindak pidana dan/atau unlawful acts.
perbuatan melawan hukum.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif. Selesai/terlaksana.
Follow-up/Realization The resolution is effective immediately. Completed/realized.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 221
Page 224
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
2 Mata Acara 2 Agenda 2
Penetapan Penggunaan Laba Bersih Tahun Buku 2022.
Determination of the Use of Net Profit for the 2022 Fiscal Year.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.502.110.768 suara atau 1.100 suara atau 0,0000732% 35.200 suara atau 0,0023433%
99,9975835% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433%
99.9975835% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat 1. Menetapkan Penggunaan Laba Tahun 1. Determined the use of current year
Meeting Resolutions Berjalan yang dapat diatribusikan kepada profits attributable to the owners of the
pemilik entitas induk Perseroan Tahun Buku Company’s parent entity for the fiscal year
yang berakhir 31 Desember 2022 sebesar ending 31 December 2022 amounting to
Rp347.150.768.000,00 sebagai berikut: IDR347,150,768,000.00 as follows:
a. Sebesar 40% dari Laba Tahun Berjalan a. 40% of Profit for the Year attributable to the
yang dapat diatribusikan kepada pemilik equity holder of the Company’s parent entity
entitas induk Perseroan atau sebesar or IDR138,860,307,200.00 as dividends
Rp138.860.307.200,00 sebagai dividen to Shareholders, in accordance with the
kepada Pemegang Saham sesuai dengan portion of share ownership in the Company
porsi kepemilikan saham pada Perseroan and paid in cash.
dan dibayarkan secara tunai.
b. Sebesar 60% dari Laba Tahun Berjalan b. 60% of Profit for the Year attributable to the
yang dapat diatribusikan kepada pemilik equity holder of the Company’s parent entity
entitas induk Perseroan atau sebesar or IDR208,290,460,800.00 as retained
Rp208.290.460.800,00 sebagai laba earnings.
ditahan.
2. Memberikan kuasa dan wewenang kepada 2. Granted power and authority to the Company’s
Direksi Perseroan untuk mengatur tata cara Directors to regulate the procedures for paying
pembayaran dividen tunai dimaksud selambat- cash dividends no later than 30 days after being
lambatnya 30 hari setelah ditetapkan dalam determined at the Company’s Annual GMS.
RUPS Tahunan Perseroan ini.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
3 Mata Acara 3 Agenda 3
Penunjukan Kantor Akuntan Publik (KAP) untuk Tahun Buku 2023.
Appointment of a Public Accounting Firm (KAP) for the 2023 Fiscal Year.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
222 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 225
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.501.126.304 suara atau 1.100 suara atau 0,0000732% 1.019.664 suara atau
99,9320463% dari seluruh dari seluruh saham dengan hak 0,0678804% dari seluruh saham
saham dengan hak suara yang suara yang hadir dalam Rapat. dengan hak suara yang hadir
hadir dalam Rapat. dalam Rapat.
1,501,126,304 votes or 1,100 votes or 0.0000732% of all 1,019,664 votes or 0.0678804%
99.9320463% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat Memberikan pelimpahan kewenangan dan kuasa Granted delegation of authority and power to the
Meeting Resolutions kepada Dewan Komisaris Perseroan untuk Company’s Board of Commissioners to appoint a
menetapkan Kantor Akuntan Publik (KAP) dalam Public Accounting Firm (KAP) to carry out audits
melakukan pemeriksaan atas Laporan Keuangan of the Company’s Financial Statements for the
Perseroan untuk tahun buku yang berakhir pada fiscal year ending 31 December 2023 along
tanggal 31 Desember 2023 berikut besaran with the amount of its services, in accordance
nilai jasanya, sesuai ketentuan dan peraturan with applicable rules and regulations, including
yang berlaku, termasuk menunjuk KAP pengganti appointing a replacement KAP if for whatever reason,
bilamana karena sebab apapun juga berdasarkan based on capital market regulations in Indonesia,
ketentuan pasar modal di Indonesia apabila KAP the appointed KAP is unable to carry out its duties,
yang ditunjuk tidak dapat melakukan tugasnya, with the criteria that the KAP is registered with the
dengan kriteria bahwa KAP tersebut terdaftar di Financial Services Authority, by first coordinating
Otoritas Jasa Keuangan, dengan terlebih dahulu with the Controlling Shareholder, in this case PT
berkoordinasi kepada Pemegang Saham Pengendali, Pertamina (Persero).
dalam hal ini PT Pertamina (Persero).
Tindak Lanjut/Realisasi Selesai/terlaksana melalui Surat Keputusan Dewan Komisaris No. 54/S/KOM-ATPI/VIII/2023.
Follow-up/Realization Completed/implemented through Board of Commissioners Decree No. 54/S/KOM-ATPI/VIII/2023.
4 Mata Acara 4 Agenda 4
Penetapan Penghargaan atas Kinerja (Tantiem) Tahun 2022 kepada Direksi dan Dewan Komisaris, serta Penetapan Remunerasi Tahun 2023
kepada Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah (DPS).
Determination of Performance Awards (Tantiem) for 2022 for the Directors and Board of Commissioners, as well as Determination of
Remuneration for 2023 for the Directors, Board of Commissioners, and Sharia Supervisory Board (DPS).
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.502.110.768 suara atau 1.100 suara atau 0,0000732% 35.200 suara atau 0,0023433%
99,9975835% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,502,110,768 votes or 1,100 votes or 0.0000732% 35,200 votes or 0.0023433%
99.9975835% of all shares of all shares with voting rights of all shares with voting rights
with voting rights present at the present at the Meeting. present at the Meeting.
Meeting.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 223
Page 226
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan Rapat 1. Tantiem 1. Tantiem
Meeting Resolutions Memberikan kuasa dan wewenang kepada Grant power and authority to the Company’s
Dewan Komisaris Perseroan dengan terlebih Board of Commissioners by first obtaining
dahulu mendapat persetujuan Pemegang approval from the Company’s Shareholders,
Saham Perseroan yaitu PT Pertamina (Persero) namely PT Pertamina (Persero) as the
sebagai Pemegang Saham pengendali untuk controlling Shareholder, to determine the
menetapkan Tantiem bagi anggota Direksi dan Tantiem for members of the Company’s Board of
Dewan Komisaris Perseroan untuk Tahun Buku Directors and Board of Commissioners for the
2022. 2022 Fiscal Year.
2. Remunerasi 2. Remuneration
Memberikan kuasa dan wewenang kepada Grant power and authority to the Company’s
Dewan Komisaris Perseroan dengan terlebih Board of Commissioners by first obtaining
dahulu mendapat persetujuan Pemegang approval from the Company’s Shareholders,
Saham Perseroan yaitu PT Pertamina (Persero) namely PT Pertamina (Persero) as the
sebagai Pemegang Saham pengendali untuk controlling Shareholder, to determine the
menetapkan besarnya gaji/honorarium, amount of salary/remuneration, allowances
tunjangan dan fasilitas bagi anggota Direksi, and facilities for members of the Board of
Dewan Komisaris dan Dewan Pengawas Syariah Directors, Board of Commissioners and Sharia
untuk tahun 2023. Supervisory Board for 2023.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif. Selesai/terlaksana.
Follow-up/Realization The resolution is effective immediately. Completed/realized.
5 Mata Acara 5 Agenda 5
Persetujuan Laporan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Approval of the Accountability Report on the Realization of Use of Public Offering Proceeds.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.502.110.768 suara atau 1.100 suara atau 0,0000732% 35.200 suara atau 0,0023433%
99,9975835% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433%
99.9975835% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat Menyetujui Laporan Pertanggungjawaban Realisasi Approve the Accountability Report on the Realization
Meeting Resolutions Penggunaan Dana Hasil Penawaran Umum: of Use of Public Offering Proceeds:
1. Seluruh dana yang telah diperoleh sebesar 1. All funds obtained amount to
Rp684.444.530.000,00. IDR684,444,530,000.00.
2. Jumlah biaya yang telah dikeluarkan dalam 2. The total costs incurred in carrying out the
rangka pelaksanaan penawaran umum public offering IDR25,742,358,837.00.
Rp25.742.358.837,00.
3. Dana yang telah direalisasikan 3. Funds that have been realized and their
dan peruntukannya sejumlah allocation amount to IDR586,091,519,814.10.
Rp586.091.519.814,10.
4. Dana yang masih tersisa Rp72.610.651.348,90 4. The remaining funds are
dan alasan belum terealisasikan adalah IDR72,610,651,348.90 and the reason it has
bahwa semua kegiatan yang tercantum dalam not been realized is that all activities listed in
prospektus dilakukan secara bertahap. the prospectus are carried out in stages.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif. Selesai/terlaksana.
Follow-up/Realization The resolution is effective immediately. Completed/realized.
224 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
6 Mata Acara 6 Agenda 6
Pemberian Kuasa Kepada Dewan Komisaris Untuk Peningkatan Modal Dalam Rangka Pelaksanaan Program Management Employee Stock
Option Plan (MESOP).
Granting of Power to the Board of Commissioners to Increase Capital in the Context of Implementing the Management Employee Stock Option
Plan (MESOP) Program.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.496.755.201 suara atau 1.100 suara atau 0,0000732% 5.390.767 suara atau
99,6410560% dari seluruh dari seluruh saham dengan hak 0,3588708% dari seluruh saham
saham dengan hak suara yang suara yang hadir dalam Rapat. dengan hak suara yang hadir
hadir dalam Rapat. dalam Rapat.
1,496,755,201 votes or 1,100 votes or 0.0000732% of all 5,390,767 votes or 0.3588708%
99.6410560% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat 1. Memberikan kewenangan kepada Dewan 1. Grant the authority to the Board of
Meeting Resolutions Komisaris untuk melakukan dan melaksanakan Commissioners to carry out and implement all
semua dan setiap tindakan atau perbuatan yang and every action or deed required by applicable
disyaratkan oleh peraturan perundang-undangan laws and regulations, the Company’s Articles
yang berlaku, Anggaran Dasar Perseroan, of Association, or as deemed necessary, to
atau yang dipandang perlu dalam rangka implement the MESOP.
melaksanakan MESOP.
2. Memberikan kuasa kepada Direksi Perseroan 2. Grant the authority to the Company’s Board
dengan hak substitusi, untuk menyatakan dalam of Directors with the right of substitution,
Akta Notaris tersendiri untuk setiap adanya to declare in a separate Notarial Deed, any
perubahan permodalan terkait MESOP, yang changes in capital related to the MESOP, after
selanjutnya dilakukan tindakan-tindakan yang which the actions required by the applicable
disyaratkan oleh peraturan perundang-undangan laws and regulations are carried out.
yang berlaku.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
7 Mata Acara 7 Agenda 7
Persetujuan Pemecahan Nilai Nominal Saham.
Approval of the Split of the Nominal Value of Stocks.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.502.110.768 suara atau 1.100 suara atau 0,0000732% 35.200 suara atau 0,0023433%
99,9975835% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433%
99.9975835% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 225
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan Rapat Menyetujui pemecahan nominal saham Perseroan Approved the split of the nominal shares of the
Meeting Resolutions (“Stock Split”) dengan rasio 1:2, sehingga nilai Company (“Stock Split”) with a ratio of 1:2, so that
nominal saham Perseroan yang semula adalah the nominal value of the Company’s shares which
Rp100,-/lembar saham akan menjadi Rp50,-/lembar was originally IDR100,-/share will become IDR50,-/
saham. share.
Tindak Lanjut/Realisasi Selesai/terlaksana. Pemecahan saham TUGU efektif pada 24 Mei 2023.
Follow-up/Realization Completed/realized. The stock split of TUGU is effective on 24 May 2023.
8 Mata Acara 8 Agenda 8
Persetujuan Perubahan Anggaran Dasar Perseroan.
Approval of Amendments to the Company's Articles of Association.
Jumlah Pemegang Saham yang Nihil.
Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.502.110.768 suara atau 1.100 suara atau 0,0000732% 35.200 suara atau 0,0023433%
99,9975835% dari seluruh dari seluruh saham dengan hak dari seluruh saham dengan hak
saham dengan hak suara yang suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
hadir dalam Rapat.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433%
99.9975835% of all shares shares with voting rights present of all shares with voting rights
with voting rights present at the at the Meeting. present at the Meeting.
Meeting.
Keputusan Rapat 1. Menyetujui Perubahan Anggaran Dasar Pasal 4 1. Approved amendment to the Company’s Articles
Meeting Resolutions ayat (1) dan ayat (2) Perseroan dalam rangka of Association Article 4 paragraph (1) and
pemecahan nilai nominal saham Perseroan. paragraph (2) in the context of splitting the
nominal value of the Company’s shares.
2. Menyetujui untuk menyusun kembali seluruh 2. Agreed to re-arrange all provisions in the Articles
ketentuan dalam Anggaran Dasar sehubungan of Association in connection with the changes
dengan perubahan sebagaimana dimaksud as intended in point (1) of the decision above.
dalam butir (1) keputusan tersebut di atas.
3. Memberikan kuasa dan wewenang kepada 3. Granted power and authority to the Board
Direksi dengan hak substitusi untuk melakukan of Directors with the right of substitution to
segala tindakan yang diperlukan, berkaitan carry out all necessary actions, relating to the
dengan keputusan mata acara Rapat ini, decisions on the agenda of this Meeting, and
dan menyatakan kembali seluruh perubahan restate all changes to the Articles of Association
Anggaran Dasar dalam akta Notaris, dan in a Notarial deed, and submit them to the
menyampaikan kepada instansi yang berwenang authorized agency to obtain approval and/or
untuk mendapatkan persetujuan dan/atau sign acceptance of changes to the Articles of
tanda penerimaan perubahan Anggaran Dasar. Association.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
226 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
9 Mata Acara 9 Agenda 9
Persetujuan Perubahan Susunan Pengurus.
Approval of Changes to Composition of Management.
Jumlah Pemegang Saham Nihil.
yang Bertanya Nil.
Number of Inquiring
Shareholders
Pengambilan Keputusan Dengan Pemungutan Suara.
Decision Making By Vote.
Setuju Abstain Tidak Setuju
Agree Abstain Disagree
1.497.382.701 suara atau 1.100 suara atau 0,0000732% dari 4.763.267 suara atau 0,3170972%
99,6828295% dari seluruh saham seluruh saham dengan hak suara dari seluruh saham dengan hak
dengan hak suara yang hadir dalam yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
4,763,267 votes or 0.3170972% of
1,497,382,701 votes or 1,100 votes or 0.0000732% of all all shares with voting rights present
99.6828295% of all shares with shares with voting rights present at at the Meeting.
voting rights present at the Meeting. the Meeting.
Keputusan Rapat 1. Menyetujui untuk memberhentikan dengan hormat 1. Approved to respectfully dismiss members of
Meeting Resolutions Anggota Direksi, anggota Dewan Komisaris dan the Board of Directors, members of the Board of
anggota Dewan Pengawas Syariah Perseroan Commissioners, and members of the Company’s
yang berakhir masa jabatannya terhitung sejak Sharia Supervisory Board whose term of office
ditutupnya Rapat Umum Pemegang Saham ends as of the closing of this General Meeting
ini, dengan ucapan terima kasih atas segala of Shareholders, with gratitude for all the
sumbangan tenaga dan pikiran yang diberikan contributions of energy and thoughts given during
selama menjabat, sebagai berikut: their tenure, to these following people:
a. Sdr. Adi Zakaria Afiff sebagai Komisaris a. Mr. Adi Zakaria Afiff as Independent
Independen; Commissioner;
b. Sdr. Jafril Khalil sebagai Ketua Dewan b. Mr. Jafril Khalil as Chairperson of the Sharia
Pengawas Syariah; Supervisory Board;
c. Sdr. Muhammad Maksum sebagai Dewan c. Mr. Muhammad Maksum as Sharia Supervisory
Pengawas Syariah; Board;
d. Sdr. Syaiful Azhar sebagai Direktur Teknik; dan d. Mr. Syaiful Azhar as Technical Director; and
e. Sdr. Budi P. Amir sebagai Direktur Kepatuhan & e. Mr. Budi P. Amir as Director of Compliance &
Manajemen Risiko. Risk Management.
2. Menyetujui Pengunduran diri Sdri. Amelia Kurniawan 2. Approved the resignation of Ms. Amelia Kurniawan
sebagai Komisaris Perseroan terhitung sejak as Commissioner of the Company as of the closing
ditutupnya RUPS ini, dengan ucapan terima kasih of this GMS, with gratitude for all the contributions
atas segala sumbangan tenaga dan pikiran yang of energy and thoughts given while serving as
diberikan selama menjabat sebagai Komisaris Commissioner of the Company.
Perseroan.
3. Menyetujui pengangkatan kembali anggota Dewan 3. Approved the re-appointment of members of the
Komisaris dan Direksi Perseroan terhitung sejak Board of Commissioners and Directors of the
ditutupnya RUPS ini sampai dengan penutupan Company, starting from the closing of this GMS
RUPS Tahunan ke-3 (ketiga) pada akhir 1 until the closing of the 3rd (third) Annual GMS
(satu) periode masa jabatan dimaksud dengan at the end of 1 (one) period of office, taking into
memperhatikan peraturan perundang-undangan account the laws and regulations in the Capital
di bidang Pasar Modal, namun demikian tidak Market sector, without reducing the right of
mengurangi hak RUPS untuk memberhentikan the GMS to dismiss members of the Board of
anggota Dewan Komisaris dan anggota Direksi Commissioners and members of the Board of
tersebut sewaktu-waktu sebelum masa jabatannya Directors at any time before their term of office
berakhir, sebagai berikut: ends:
a. Sdr. Poerwo Tjahjono sebagai Komisaris a. Mr. Poerwo Tjahjono as Independent
Independen; dan Commissioner; and
b. Sdr. Ery Widiatmoko sebagai Direktur b. Mr. Ery Widiatmoko as Director of Insurance
Pemasaran Asuransi. Marketing.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 227
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Mengusulkan pengangkatan Anggota Dewan 4. Proposed the appointment of members of the
Komisaris, Dewan Pengawas Syariah, dan Direksi Board of Commissioners, Sharia Supervisory Board,
terhitung efektif sejak tanggal ditetapkannya and Board of Directors, effective from the date
Hasil Penilaian Kemampuan dan Kepatutan of the Financial Services Authority (OJK) Fit and
Otoritas Jasa Keuangan (OJK) dan berakhir pada Proper Test Results and ending at the closing of the
penutupan RUPS Tahunan ke-3 (ketiga) pada akhir 3rd (third) Annual GMS at the end of 1 (one) period.
1 (satu) periode masa jabatan dimaksud dengan The said position takes into account statutory
memperhatikan peraturan perundang-undangan regulations in the Capital Market sector, without
di bidang Pasar Modal, namun demikian tidak reducing the GMS’s right to dismiss members of
mengurangi hak RUPS untuk memberhentikan the Board of Commissioners, Sharia Supervisory
anggota Dewan Komisaris, Dewan Pengawas Board, and Directors at any time before their term
Syariah, dan Direksi tersebut sewaktu-waktu of office ends:
sebelum masa jabatannya berakhir, sebagai
berikut:
a. Sdr. Samuel Lie sebagai Komisaris; a. Mr. Samuel Lie as Commissioner;
b. Sdr. Tajudin Noor sebagai Komisaris b. Mr. Tajudin Noor as Independent
Independen; Commissioner;
c. Sdr. Muhammad Maksum sebagai Ketua c. Mr. Muhammad Maksum as Chairperson of the
Dewan Pengawas Syariah; Sharia Supervisory Board;
d. Sdri. Siti Hannah sebagai Dewan Pengawas d. Ms. Siti Hannah as Sharia Supervisory Board;
Syariah;
e. Sdr. Sudarlin sebagai Direktur Teknik; dan e. Mr. Sudarlin as Technical Director; and
f. Sdr. Edi Yoga Prasetyo sebagai Direktur f. Mr. Edi Yoga Prasetyo as Director of
Kepatuhan & Manajemen Risiko. Compliance & Risk Management.
5. Dalam hal anggota Direksi, anggota Dewan 5. In the event that the appointed members of
Komisaris, dan anggota Dewan Pengawas the Board of Directors, members of the Board
Syariah yang diangkat tersebut masih menjabat of Commissioners, and members of the Sharia
pada jabatan lain yang dilarang oleh peraturan Supervisory Board are still serving in other
perundang-undangan untuk dirangkap dengan positions which are prohibited by statutory
jabatan Direksi, anggota Dewan Komisaris dan regulations from concurrently holding the positions
anggota Dewan Pengawas Syariah, maka yang of Directors, Board of Commissioners, and Sharia
bersangkutan harus mengundurkan diri atau Supervisory Board, then the members concerned
diberhentikan dari jabatannya tersebut. must resign or be dismissed from his position.
6. Dengan adanya pengunduran diri, pengangkatan, 6. With the resignation, appointment, and dismissal
dan pemberhentian anggota Direksi, anggota of members of the Board of Directors, members of
Dewan Komisaris, dan anggota Dewan Pengawas the Board of Commissioners, and members of the
Syariah di atas, maka susunan keanggotaan Sharia Supervisory Board above, the membership
Direksi, Dewan Komisaris, dan Dewan Pengawas composition of the Board of Directors, Board of
Syariah PT Asuransi Tugu Pratama Indonesia Tbk Commissioners, and Sharia Supervisory Board of
menjadi sebagai berikut: PT Asuransi Tugu Pratama Indonesia Tbk will be as
follows:
228 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
DEWAN KOMISARIS BOARD OF COMMISSIONERS
Presiden Komisaris/Komisaris Independen: President Commissioner/Independent
Dian Masyita Commissioner:
Dian Masyita
Komisaris: Commissioner:
Samuel Lie* Samuel Lie*
Komisaris: Commissioner:
Bagus Agung Rahadiansyah* Bagus Agung Rahadiansyah*
Komisaris Independen: Independent Commissioner:
Poerwo Tjahjono Poerwo Tjahjono
Komisaris Independen: Independent Commissioner:
Tajudin Noor* Tajudin Noor*
DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD
Ketua: Chairman:
Muhammad Maksum Muhammad Maksum
Anggota: Member:
Siti Hannah* Siti Hannah*
DIREKSI BOARD OF DIRECTORS
Presiden Direktur: President Director:
Tatang Nurhidayat Tatang Nurhidayat
Direktur Teknis: Technical Director:
Sudarlin* Sudarlin*
Direktur Kepatuhan & Manajemen Risiko: Compliance & Risk Management Director:
Edi Yoga Prasetyo* Edi Yoga Prasetyo*
Direktur Keuangan & Layanan Korporat: Finance & Corporate Service Director:
Emil Hakim Emil Hakim
Direktur Pemasaran Asuransi: Insurance Marketing Director:
Ery Widiatmoko Ery Widiatmoko
*) Menunggu penetapan hasil penilaian *) Waiting for the results of the Financial Services
Kemampuan dan Kepatutan Otoritas Jasa Authority (OJK) Fit and Proper Test to be determined
Keuangan (OJK)
Memberikan kuasa dengan hak substitusi kepada Granted authority with the right of substitution to the
Direksi PT Asuransi Tugu Pratama Indonesia Tbk untuk Directors of PT Asuransi Tugu Pratama Indonesia Tbk to
melakukan segala tindakan yang diperlukan berkaitan carry out all necessary actions related to the decisions
dengan keputusan Mata Acara ini sesuai dengan on this Agenda in accordance with applicable laws and
peraturan perundang-undangan yang berlaku, termasuk regulations, including to declare in a separate Notarial
untuk menyatakan dalam Akta Notaris tersendiri dan Deed, and notify changes in the composition of the
memberitahukan perubahan susunan Direksi, Dewan Board of Directors, Board of Commissioners, and the
Komisaris, dan Dewan Pengawas Syariah PT Asuransi Sharia Supervisory Board of PT Asuransi Tugu Pratama
Tugu Pratama Indonesia Tbk kepada Kementerian Indonesia Tbk to the Ministry of Law and Human Rights.
Hukum dan HAM.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 229
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tindak Lanjut/Realisasi • Sdr. Bagus Agung Rahadiansyah dinyatakan • Mr. Bagus Agung Rahadiansyah was declared to
Follow-up/Realization memenuhi persyaratan untuk menjadi Komisaris have met the requirements to become a Company
Perseroan oleh OJK pada tanggal 23 Juni 2023, Commissioner by OJK on 23 June 2023, so the
sehingga pengangkatan Sdr. Bagus Agung appointment of Mr. Bagus Agung Rahadiansyah as
Rahadiansyah sebagai Komisaris terhitung efektif Commissioner is effective from 23 June 2023, as
sejak 23 Juni 2023, yang dituangkan dalam Akta stated in the Deed of Meeting Decision Statement
Pernyataan Keputusan Rapat No. 118 tanggal 25 No. 118 dated 25 July 2023, made before notary
Juli 2023, yang dibuat di hadapan notaris Jose Jose Dima Satria, SH, MKn.
Dima Satria, SH, MKn.
• Sdr. Sudarlin dinyatakan memenuhi persyaratan • Mr. Sudarlin was declared to have fulfilled the
untuk menjadi Direktur Teknik Perseroan oleh requirements to become the Company’s Technical
OJK pada tanggal 30 Oktober 2023, sehingga Director by OJK on 30 October 2023, so the
pengangkatan Sdr. Sudarlin sebagai Direktur Teknik appointment of Mr. Sudarlin as Technical Director
terhitung efektif sejak 30 Oktober 2023, yang is effective from 30 October 2023, as stated in the
dituangkan dalam Akta Pernyataan Keputusan Deed of Meeting Decision Statement No. 55 dated
Rapat No. 55 tanggal 9 November 2023, dibuat di 9 November 2023, made before notary Jose Dima
hadapan notaris Jose Dima Satria, SH, MKn. Satria, SH, MKn.
• Sdr. Samuel Lie/Samuel Ramna dinyatakan • Mr. Samuel Lie/Samuel Ramna was declared to
memenuhi persyaratan untuk menjadi Komisaris have met the requirements to become a Company
Perseroan oleh OJK pada tanggal 4 Desember Commissioner by OJK on 4 December 2023, thus
2023, sehingga pengangkatan Sdr. Samuel Lie/ the appointment of Mr. Samuel Lie/Samuel Ramna
Samuel Ramna sebagai Komisaris terhitung efektif as Commissioner is effective as of 4 December
sejak 4 Desember 2023, yang dituangkan dalam 2023, as set forth in Deed of Meeting Resolution
Akta Pernyataan Keputusan Rapat No. 49 tanggal No. 49 dated 11 January 2024, made before
11 Januari 2024, dibuat di hadapan notaris Jose notary Jose Dima Satria, SH, MKn.
Dima Satria, SH, MKn.
• Sdr. Edi Yoga Prasetyo dinyatakan memenuhi • Mr. Edi Yoga Prasetyo was determined to be
persyaratan untuk menjadi Direktur Kepatuhan qualified to become the Company’s Compliance
& Manajemen Risiko Perseroan oleh OJK pada & Risk Management Director by OJK on 18
tanggal 18 Januari 2024, sehingga pengangkatan January 2024, thus the appointment of Mr. Edi
Sdr. Edi Yoga Prasetyo sebagai Direktur Kepatuhan Yoga Prasetyo as Director of Compliance & Risk
& Manajemen Risiko terhitung efektif sejak Management is effective as of 18 January 2024,
18 Januari 2024, yang dituangkan dalam Akta as stated in the Deed of Meeting Resolution No. 1
Pernyataan Keputusan Rapat No. 1 tanggal 1 dated 1 February 2024, made before notary Jose
Februari 2024, dibuat di hadapan notaris Jose Dima Satria, SH, MKn.
Dima Satria, SH, MKn.
• Sdr. Tajudin Noor dinyatakan memenuhi persyaratan • Mr. Tajudin Noor was determined to be qualified
untuk menjadi Komisaris Independen Perseroan to become Independent Commissioner of the
oleh OJK pada tanggal 18 Januari 2024, sehingga Company by OJK on 18 January 2024, and thus the
pengangkatan Sdr. Tajudin Noor sebagai Komisaris appointment of Mr. Tajudin Noor as Independent
Independen terhitung efektif sejak 18 Januari Commissioner is effective from 18 January 2024,
2024, yang dituangkan dalam Akta Pernyataan as stated in the Deed of Meeting Resolution No. 1
Keputusan Rapat No. 1 tanggal 1 Februari 2024, dated 1 February 2024, made before notary Jose
dibuat di hadapan notaris Jose Dima Satria, SH, Dima Satria, SH, MKn.
MKn.
• Sdri. Siti Hannah dinyatakan memenuhi persyaratan • Mrs. Siti Hannah was determined to be qualified
untuk menjadi anggota Dewan Pengawas Syariah to become a member of the Company’s Sharia
Perseroan oleh OJK pada tanggal 17 Januari 2024, Supervisory Board by OJK on 17 January 2024,
sehingga pengangkatan Sdri. Siti Hannah sebagai thus Siti Hannah’s appointment as a member of
anggota Dewan Pengawas Syariah terhitung efektif the Sharia Supervisory Board was effective from
sejak 17 Januari 2024, yang dituangkan dalam 17 January 2024, as stated in the Deed of Meeting
Akta Pernyataan Keputusan Rapat No. 1 tanggal Resolution No. 1 dated 1 February 2024, made
1 Februari 2024, dibuat di hadapan notaris Jose before notary Jose Dima Satria, SH, MKn.
Dima Satria, SH, MKn.
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3.B
Dewan Komisaris
Board of Commissioners
Dalam menjalankan Perusahaan, Direksi Tugu Insurance In running the Company, Tugu Insurance’s Board of
diawasi oleh Dewan Komisaris, yang juga memberikan Directors is supervised by the Board of Commissioners,
nasihat terkait kebijakan. Dewan Komisaris bertanggung who also provide advice regarding policies. The Board of
jawab kepada RUPS, yang mencerminkan akuntabilitas Commissioners is responsible to the GMS, reflecting their
mereka dalam mengawasi pengelolaan Perusahaan. accountability in supervising the Company’s management.
Akuntabilitas ini menegaskan komitmen untuk menerapkan This accountability underscores the commitment to
prinsip-prinsip tata kelola perusahaan sebagai bagian implementing corporate governance principles as
dari upaya menjaga dan meningkatkan kerangka tata part of maintaining and enhancing the Company’s
kelola Perusahaan. governance framework.
Ketentuan Masa Jabatan Dewan Komisaris
Provisions for the Term of Office of the Board of Commissioners
Anggota Dewan Komisaris diangkat dan diberhentikan oleh Members of the Board of Commissioners are appointed
Rapat Umum Pemegang Saham (RUPS) sesuai dengan and removed by the General Meeting of Shareholders
peraturan dan ketentuan yang berlaku serta harus lulus (GMS) in accordance with relevant laws and regulations
uji kelayakan dan kepatutan yang ditetapkan oleh OJK. and must pass the fit and proper test established by the
Masa jabatan anggota Dewan Komisaris dimulai pada OJK. The term of office for Board members begins on the
tanggal yang ditentukan dalam RUPS serta diangkat dan date specified in the GMS where they are appointed and
berakhir pada penutupan RUPS Tahunan ketiga setelah ends at the conclusion of the third Annual GMS following
tanggal pengangkatan, kecuali ditentukan lain dalam their appointment, unless otherwise stated in the GMS.
RUPS. Setelah masa jabatan berakhir, anggota Dewan Upon the expiration of their term, Board members may be
Komisaris dapat diangkat kembali berdasarkan keputusan reappointed based on a GMS resolution. The term of a
RUPS. Masa jabatan anggota Dewan Komisaris dapat Board member may be terminated in the event of:
dihentikan apabila:
1. Mengundurkan diri; 1. Resignation;
2. Tidak memenuhi persyaratan hukum yang berlaku; 2. Failure to meet the applicable legal requirements;
3. Meninggal dunia; 3. Demise;
4. Diberhentikan berdasarkan keputusan RUPS. 4. Dismissal by GMS resolution.
Komposisi Dewan Komisaris Tahun 2024
The Board of Commissioners Composition in 2024
Pada tahun 2024, Perusahaan mengalami perubahan In 2024, the Company underwent a change in the
dalam komposisi Dewan Komisaris berdasarkan composition of the Board of Commissioners, as
Keputusan RUPS Tahunan pada tanggal 29 April 2024. determined by the Annual GMS Resolution on 29
Berdasarkan perubahan tersebut, komposisi Dewan April 2024. Following these changes, the Board of
Komisaris Perusahaan terdiri dari 1 (satu) Presiden Commissioners now consists of 1 (one) President
Komisaris yang juga menjabat sebagai Komisaris Commissioner who also serves as an Independent
Independen, dan 4 (empat) Anggota Dewan Komisaris, Commissioner, and 4 (four) Commissioners, 2 (two)
yang 2 (dua) di antaranya adalah Komisaris Independen. of whom are Independent Commissioners. Detailed
Informasi lengkap tentang perubahan komposisi Dewan information on the changes in the composition of Tugu
Komisaris Tugu Insurance sepanjang tahun 2024 dapat Insurance’s Board of Commissioners throughout 2024
dilihat dalam Bab Profil Perusahaan pada Laporan can be found in the Company Profile Chapter of this
Tahunan ini. Annual Report.
Berdasarkan komposisi ini, Perusahaan telah memenuhi Based on this composition, the Company has complied
ketentuan dalam Board Manual dan Peraturan OJK No. 73/ with the provisions of the Board Manual and OJK
POJK.05/2016 tentang Good Corporate Governance untuk Regulation No. 73/POJK.05/2016 concerning Good
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Perusahaan Asuransi ("POJK No. 73"), yang mengatur Corporate Governance for Insurance Companies
bahwa Dewan Komisaris Perusahaan Asuransi harus terdiri (“POJK No. 73”), which stipulates that the Board of
dari sekurang-kurangnya 3 (tiga) anggota. Seluruh anggota Commissioners of an Insurance Company must consist
Dewan Komisaris Tugu Insurance adalah Warga Negara of at least 3 (three) members. All members of the Tugu
Indonesia dan berdomisili di Indonesia, sebagaimana Insurance Board of Commissioners are Indonesian citizens
diatur dalam Pasal 19 ayat (5) POJK No. 73. and domiciled in Indonesia, as outlined in Article 19
paragraph (5) of POJK No. 73.
Komposisi ini sesuai dengan Board Manual dan memenuhi This composition adheres to the Board Manual and
ketentuan Peraturan OJK No. 73/POJK.05/2016 tentang meets the requirements of OJK Regulation No. 73/
Good Corporate Governance untuk Perusahaan Asuransi POJK.05/2016 concerning Good Corporate Governance for
("POJK No. 73"), yang mengatur bahwa Dewan Komisaris Insurance Companies (“POJK No. 73”), which stipulates
Perusahaan Asuransi harus terdiri dari sekurang-kurangnya that the Board of Commissioners of an Insurance
2 (dua) anggota, dengan jumlah Komisaris Independen Company must consist of at least 2 (two) members,
minimal 30% (tiga puluh persen) dari total anggota with the number of Independent Commissioners being
Dewan Komisaris; dan 1 (satu) anggota Dewan Komisaris at least 30% (thirty percent) of the total members of
diangkat sebagai Presiden Komisaris. the Board of Commissioners; and 1 (one) member
of the Board of Commissioners is appointed as the
President Commissioner.
Adapun komposisi Dewan Komisaris Tugu Insurance per The composition of the Tugu Insurance Board of
31 Desember 2024 adalah sebagai berikut: Commissioners as of 31 December 2024 is as follows:
Nama Jabatan
Name Position
Abdul Ghofar Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Komisaris
Commissioner
Samuel Ramna Komisaris
Commissioner
Poerwo Tjahjono Komisaris Independen
Independent Commissioner
Tajudin Noor Komisaris Independen
Independent Commissioner
Buku Panduan Kerja Dewan Komisaris (Board Manual)
The Board of Commissioners’ Work Guidelines (Board Manual)
Dewan Komisaris telah menetapkan Pedoman Kerja Dewan The Board of Commissioners has established the Board of
Komisaris sebagai acuan untuk melaksanakan tugas dan Commissioners’ Work Guidelines to serve as a framework
tanggung jawab pengawasannya. Pedoman ini merupakan for fulfilling its supervisory duties and responsibilities.
bagian dari Buku Pedoman Dewan Komisaris yang These guidelines are part of the Board Manual, which was
disetujui oleh Dewan Komisaris dan Direksi pada tanggal approved by both the Board of Commissioners and the
1 Desember 2014, dan diubah pada tanggal 31 Desember Board of Directors on 1 December 2014, and amended
2021. Buku Pedoman Dewan Komisaris merupakan bagian on 31 December 2021. The Board Manual is an integral
yang tidak terpisahkan dari Anggaran Dasar Perusahaan component of the Company’s Articles of Association and
dan Struktur Soft Corporate Governance Perusahaan. its Corporate Governance Soft Structure.
Buku Pedoman Dewan Komisaris mengatur hubungan The Board Manual governs the working relationship
kerja antara Dewan Komisaris dan Direksi sesuai dengan between the Board of Commissioners and the Board
ketentuan yang tercantum dalam Anggaran Dasar of Directors, in accordance with the provisions outlined
Perusahaan, hasil Rapat Umum Pemegang Saham (RUPS), in the Company’s Articles of Association, the decisions
dan/atau ketentuan peraturan perundang-undangan yang of the General Meeting of Shareholders (GMS), and
berlaku. Beberapa hal yang diatur dalam Buku Pedoman the applicable laws and regulations. Specific matters
Dewan Komisaris antara lain: addressed in the Board Manual regarding the Board of
Commissioners include, but are not limited to:
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1. Persyaratan dan jabatan rangkap jabatan 1. Requirements and Concurrent Positions of the Board
Dewan Komisaris; of Commissioners;
2. Komposisi Dewan Komisaris 2. Composition of the Board of Commissioners;
3. Masa jabatan, pengangkatan dan pemberhentian 3. Term of Office, Appointment, and Dismissal of the
Dewan Komisaris; Board of Commissioners;
4. Tugas, wewenang dan kewajiban Dewan Komisaris; 4. Duties, Authorities, and Responsibilities of the Board
5. Rapat Dewan Komisaris; of Commissioners;
6. Waktu kerja Dewan Komisaris; 5. Board of Commissioners Meetings;
7. Komunikasi Dewan Komisaris; 6. Working Hours of the Board of Commissioners;
8. Dewan Komisaris dalam RUPS; 7. Communication of the Board of Commissioners;
9. Fungsi pendukung; dan 8. Board of Commissioners in the General Meeting of
10. Pelaporan dan pertanggungjawaban Dewan Komisaris. Shareholders (GMS);
9. Supporting Functions; and
10. Reporting and Accountability of the Board
of Commissioners.
Tugas, Wewenang, dan Kewajiban Dewan Komisaris
Duties, Authorities, and Obligations of the Board of Commissioners
Tugas Utama Dewan Komisaris The Board of Commissioners’ Main Duties
Dewan Komisaris memiliki tugas utama untuk mengawasi The primary responsibility of the Board of Commissioners
dan memberikan nasihat kepada manajemen Perusahaan is to oversee and provide guidance to the Company’s
yang dijalankan oleh Direksi. Selain itu, Dewan Komisaris management, which is carried out by the Board of
juga bertanggung jawab untuk mengawasi kebijakan terkait Directors. Additionally, the Board of Commissioners is
penyusunan dan pelaksanaan tata kelola perusahaan di responsible for supervising the policies related to the
Perusahaan. Dewan Komisaris memantau dan memastikan development and implementation of corporate governance
bahwa praktik tata kelola perusahaan telah diterapkan within the Company. The Board of Commissioners monitors
secara efektif dan berkelanjutan. and ensures that corporate governance practices are
effectively and continuously implemented.
Tanggung Jawab dan Wewenang Dewan Komisaris The Board of Commissioners’ Authority and
Dewan Komisaris, baik secara bersama-sama dengan Responsibilities
anggota lain atau secara individu, memiliki kewenangan The Board of Commissioners, either collectively with other
berikut setiap saat: members or individually, has the following authorities at
any time:
1. Memeriksa buku, dokumen, kas, dan surat berharga 1. Inspect the Company’s books, documents, cash, and
lainnya, serta aset Perusahaan untuk tujuan verifikasi; other securities, as well as the Company’s assets for
verification purposes;
2. Mengakses tempat, bangunan, dan kantor yang 2. Access the premises, buildings, and offices used by
digunakan oleh Perusahaan; the Company;
3. Meninjau kebijakan dan tindakan yang telah dan akan 3. Review all policies and actions that have been or will
dilakukan oleh Direksi; be undertaken by the Board of Directors;
4. Memberikan arahan kepada Direksi mengenai 4. Provide guidance to the Board of Directors on the
pelaksanaan rencana dan kebijakan Perusahaan; implementation of the Company’s plans and policies;
5. Meminta Direksi dan/atau pejabat lainnya, dengan 5. Request the Board of Directors and/or other officials,
persetujuan Direksi, untuk menghadiri rapat with the Board of Directors’ approval, to attend Board
Dewan Komisaris; of Commissioners’ meetings;
6. Meneliti, menganalisis, dan menandatangani Rencana 6. Review, analyze, and sign the Company’s Long-Term
Jangka Panjang dan Rencana Kerja serta Anggaran Plan and Work Plan and Budget prepared by the Board
(RKAP) Perusahaan yang disusun oleh Direksi, sesuai of Directors, in accordance with the Company’s Articles
dengan ketentuan Anggaran Dasar Perusahaan; of Association;
7. Memberikan nasihat kepada Direksi dalam 7. Offer advice to the Board of Directors in managing
melaksanakan pengelolaan Perusahaan; the Company;
8. Menunjuk dan memberhentikan Sekretaris 8. Appoint and dismiss the Secretary of the Board
Dewan Komisaris; of Commissioners;
9. Memberhentikan sementara anggota Direksi sesuai 9. Temporarily dismiss members of the Board of
dengan ketentuan Anggaran Dasar Perusahaan; Directors, in line with the provisions of the Company’s
Articles of Association;
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
10. Bekerja sama dengan ahli untuk hal-hal tertentu dan 10. Collaborate with experts on specific matters for a
dalam jangka waktu tertentu dengan biaya ditanggung designated period, at the Company’s expense, if
oleh Perusahaan, jika dianggap perlu; deemed necessary;
11. Melakukan pengelolaan Perusahaan dalam kondisi 11. Manage the Company in specific circumstances and
tertentu dan untuk jangka waktu tertentu, sesuai for a limited period, as stipulated in the Articles of
dengan ketentuan Anggaran Dasar dan peraturan Association and applicable laws and regulations;
perundang-undangan yang berlaku;
12. Menghadiri Rapat Direksi dan memberikan pandangan 12. Attend Board of Directors’ meetings and provide
mengenai hal-hal yang dibahas; insights on the matters discussed;
13. Melaksanakan kewenangan pengawasan lainnya 13. Exercise other supervisory powers as long as they do
sepanjang tidak bertentangan dengan peraturan not conflict with the laws, Articles of Association, and/
perundang-undangan, Anggaran Dasar, dan/atau or General Meeting of Shareholders’ resolutions;
keputusan Rapat Umum Pemegang Saham;
14. Mengikuti perkembangan kegiatan Perusahaan dan 14. Monitor the development of the Company’s activities
memberikan pendapat serta saran kepada Rapat and provide opinions and recommendations to the
Umum Pemegang Saham; General Meeting of Shareholders;
15. Segera melaporkan kepada Rapat Umum Pemegang 15. Report immediately to the General Meeting of
Saham jika ada tanda-tanda penurunan kinerja Shareholders if there are signs of a decline in the
Perusahaan atau peristiwa penting lainnya yang perlu Company’s performance or other critical events that
diketahui oleh Rapat Umum Pemegang Saham; need to be brought to the shareholders’ attention;
16. Meneliti dan menganalisis laporan berkala dan tahunan 16. Review and analyze periodic and annual reports
yang disusun oleh Direksi serta menandatangani prepared by the Board of Directors and sign the
Laporan Tahunan; Annual Report;
17. Memberikan penjelasan, pendapat, dan saran kepada 17. Provide explanations, opinions, and suggestions on the
Rapat Umum Pemegang Saham mengenai Laporan Annual Report to the General Meeting of Shareholders,
Tahunan, jika diminta; if requested;
18. Menyusun program kerja tahunan untuk dimasukkan 18. Prepare annual work programs to be included in
dalam RKAP; the RKAP;
19. Mengusulkan Akuntan Publik untuk mengaudit 19. Propose a Public Accountant to audit the annual
laporan keuangan tahunan pada Rapat Umum financial statements at the General Meeting
Pemegang Saham; of Shareholders;
20. Melaksanakan kewenangan pengawasan dan 20. Perform other supervisory and advisory duties, as
pemberian nasihat lainnya, sepanjang tidak long as they do not conflict with the laws, Articles of
bertentangan dengan peraturan perundang-undangan, Association, and/or resolutions of the General Meeting
Anggaran Dasar, dan/atau keputusan Rapat Umum of Shareholders.
Pemegang Saham.
Kewajiban Dewan Komisaris The Board of Commissioners’ Obligations
1. Dalam melaksanakan tugasnya, setiap anggota Dewan 1. In carrying out their duties, each member of the Board
Komisaris harus: of Commissioners must:
a. Mematuhi Anggaran Dasar, peraturan perundang- a. Adhere to the Articles of Association, laws,
undangan, serta prinsip-prinsip profesionalisme, and regulations, as well as the principles
efisiensi, transparansi, independensi, akuntabilitas, of professionalism, efficiency, transparency,
tanggung jawab, dan keadilan; independence, accountability, responsibility,
and fairness;
b. Bertindak dengan itikad baik, kehati-hatian, b. Act with good faith, prudence, and responsibility
dan tanggung jawab dalam menjalankan tugas in supervising and advising the Board of Directors
pengawasan dan pemberian nasihat kepada Direksi for the benefit of the Company, in line with the
untuk kepentingan Perusahaan dan sesuai dengan Company’s goals and objectives;
tujuan dan sasaran Perusahaan;
2. Membuat Risalah Rapat Dewan Komisaris dan 2. Record Minutes of the Board of Commissioners’
menyimpan salinannya; Meetings and retain copies;
3. Melaporkan kepada Perusahaan terkait kepemilikan 3. Report to the Company their own share ownership
saham mereka dan/atau saham keluarga mereka di and/or that of their family in the Company and
Perusahaan dan perusahaan lain; other companies;
4. Memberikan laporan terkait tugas pengawasan yang 4. Provide a report on the supervisory duties carried out
telah dilaksanakan pada tahun buku sebelumnya in the previous fiscal year to the General Meeting of
kepada Rapat Umum Pemegang Saham (RUPS); Shareholders (GMS);
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5. Dalam kondisi tertentu, Dewan Komisaris harus 5. Under certain conditions, the Board of Commissioners
mengadakan RUPS Tahunan dan RUPS lainnya sesuai must convene an Annual GMS and other GMS in
dengan kewenangannya yang diatur dalam peraturan accordance with their authority as outlined in the
perundang-undangan dan Anggaran Dasar; legislation and the Articles of Association;
6. Untuk mendukung efektivitas pelaksanaan 6. To support the effective execution of their duties and
tugas dan tanggung jawabnya, Dewan Komisaris responsibilities, the Board of Commissioners must
harus membentuk Komite sesuai dengan establish Committees in compliance with applicable
peraturan perundang-undangan yang berlaku dan laws and regulations and may form other Committees
dapat membentuk Komite lain sesuai dengan as needed by the Company;
kebutuhan Perusahaan;
7. Mengevaluasi kinerja komite-komite yang mendukung 7. Evaluate the performance of the committees
pelaksanaan tugas dan tanggung jawab mereka di akhir that assist in the execution of their duties and
tahun buku; responsibilities at the end of the fiscal year;
8. Dewan Komisaris bersama Direksi diwajibkan 8. The Board of Commissioners, together with the Board
untuk menyusun: of Directors, is required to establish:
a. Pedoman yang mengikat setiap anggota Dewan a. Guidelines that bind all members of the Board
Komisaris dan Direksi, sesuai dengan ketentuan of Commissioners and Directors, in line with the
peraturan perundang-undangan yang berlaku; provisions of applicable laws and regulations;
b. Kode Etik yang berlaku bagi seluruh anggota Dewan b. A Code of Conduct that applies to all members of
Komisaris, Direksi, karyawan, serta mendukung the Board of Commissioners, Directors, employees,
organ-organ pendukung Perusahaan sesuai dengan and supports the Company’s supporting organs in
peraturan perundang-undangan yang berlaku. accordance with applicable laws and regulations.
Rekomendasi Dewan Komisaris
The Board of Commissioners’ Recommendations
Pada tahun 2024, Dewan Komisaris melanjutkan In 2024, the Board of Commissioners continued its
perannya dalam mengawasi dan memberikan nasihat role in supervising and providing advice to management
kepada manajemen untuk memastikan Perusahaan to ensure the Company operates in the best interests
beroperasi demi kepentingan pemegang saham dan of shareholders and other stakeholders. The Board’s
pemangku kepentingan lainnya. Rekomendasi Dewan recommendations focused on a combination of strategic
berfokus pada kombinasi pertumbuhan strategis dan growth and operational optimization, building upon the
optimasi operasional, yang dibangun atas kemajuan yang progress achieved in 2022 and 2023. The key focus
dicapai pada tahun 2022 dan 2023. Area-area fokus areas included:
utama mencakup:
1. Mencapai target kinerja keuangan dan mengoptimalkan 1. Achieving financial performance targets and optimizing
tingkat Risk-Based Capital (RBC); the Risk-Based Capital (RBC) ratio;
2. Memastikan pemanfaatan (usefulness) dan optimasi 2. Ensuring the effective utilization and optimization
Enterprise Resources Planning (ERP), termasuk dalam of Enterprise Resource Planning (ERP), including its
penerapan PSAK 117; application in the implementation of PSAK 117;
3. Memperkuat kontribusi anak perusahaan terhadap 3. Strengthening the contribution of subsidiaries to the
kinerja keseluruhan Perusahaan; overall Company performance;
4. Optimasi pengelolaan aset dan properti investasi; 4. Optimizing the management of assets and
investment properties;
5. Memastikan kepatuhan terhadap hukum dan 5. Ensuring compliance with laws and corporate
sistem tata kelola perusahaan dalam semua governance systems in all corporate actions;
tindakan korporasi;
6. Melanjutkan peningkatan pengendalian internal, 6. Continuing the enhancement of internal controls, with a
dengan fokus khusus pada pengelolaan piutang; particular focus on accounts receivable management;
7. Meningkatkan kompetensi sumber daya manusia 7. Improving human resource competencies to support
untuk mendukung talent mobility dan pertumbuhan di talent mobility and future growth;
masa depan;
8. Memastikan spin-off unit syariah sepenuhnya mematuhi 8. Ensuring the spin-off of the Sharia unit fully complies
peraturan perundang-undangan yang terbaru; with the latest regulations;
9. Penelahaan, memberikan tanggapan dan rekomendasi 9. Reviewing, providing feedback and recommendations,
serta persetujuan Rencana Kerja dan Anggaran and approving the Company’s Work Plan and Budget
Perusahaan (RKAP), Rencana Jangka Panjang (RKAP), Long-Term Corporate Plan (RJPP), including the
Perusahaan (RJPP) termasuk Rencana Bisnis dan Business Plan and Sustainable Finance Action Plan,
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rencana Aksi keuangan Berkelanjutan, serta Key as well as the Company’s Key Performance Indicators
Performance Indicator (KPI) Perusahaan; (KPI);
10. Evaluasi penerapan kebijakan dan prosedur APU 10. Evaluating the implementation of Anti-Money
(Anti Pencucian Uang), PPT (Pencegahan Pendanaan Laundering (APU), Counter-Terrorism Financing (PPT),
Terorisme), dan PPPSPM (Pencegahan Pendanaan and Prevention of Financing for the Proliferation of
Proliferasi Senjata Pemusnah Massal); Weapons of Mass Destruction (PPPSPM) policies
11. Pemantauan dan evaluasi atas pelaksanaan and procedures;
dan realisasi RKAP serta realisasi Rencana 11. Monitoring and evaluating the implementation
Bisnis Perusahaan. and realization of the RKAP and the Company’s
Business Plan.
Rapat dan Tingkat Kehadiran Dewan Komisaris
The Board of Commissioners Meetings and Meeting Attendance
Ketentuan Rapat Dewan Komisaris The Board of Commissioners’ Meeting Provisions
Rapat Dewan Komisaris merupakan forum bagi anggota The Board of Commissioners meeting serves as a platform
Dewan Komisaris untuk membuat keputusan bersama dan for its members to make collective decisions and evaluate
membahas kinerja Direksi dalam mengelola Perusahaan. the performance of the Board of Directors in managing
Berdasarkan Anggaran Dasar Perusahaan, Dewan the Company. According to the Company’s Articles of
Komisaris wajib mengadakan rapat sekurang-kurangnya Association, the Board of Commissioners is required to
sekali sebulan, dengan rapat yang melibatkan Direksi meet at least once a month, with meetings involving the
minimal empat kali dalam setahun, dan rapat dengan Board of Directors at least four times a year, and at least
Auditor Eksternal setidaknya sekali dalam setahun. Selain one meeting with the External Auditor annually. Additionally,
itu, Dewan Komisaris dapat mengadakan rapat kapan the Board of Commissioners may hold meetings at any
saja atas permintaan satu atau beberapa anggota Dewan time upon request by one or more members of the Board
Komisaris atau Direksi, dengan menyebutkan masalah of Commissioners or the Board of Directors, specifying the
yang akan dibahas. topics to be discussed.
Rapat Internal Dewan Komisaris The Board of Commissioners’ Internal Meeting
Pada tahun 2024, Dewan Komisaris mengadakan 18 kali In 2024, the Board of Commissioners held 18 internal
rapat internal termasuk 1 (satu) kali rapat dengan Auditor meetings, including one (1) meeting with the External
Eksternal. Tabel berikut menunjukkan total jumlah rapat Auditor.The table below shows the total number of internal
internal yang diadakan oleh Dewan Komisaris: meetings held by the Board of Commissioners:
Nama Dewan Komisaris Persentase Tingkat
Jumlah Rapat Jumlah Kehadiran
Name of Board of Kehadiran
Total Meetings Total Attendance
Commissioners Attendance Rate in %
Dian Masyita 1) 7 7 100%
Abdul Ghofar 2) 2 2 100%
Bagus Agung Rahadiansyah 18 17 94%
Samuel Ramna 18 15 83%
Poerwo Tjahjono 18 18 100%
Tajudin Noor 3) 17 17 100%
1)
Sudah tidak menjabat sejak ditutupnya RUPST tanggal 29 April 2024
No longer serving since the closing of the Annual General Meeting of Shareholders (AGMS) on 29 April 2024
2)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
Appointed by the AGMS on 29 April 2024, and officially assumed the position following the fit and proper test approval from OJK on 3 December 2024
3)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
Appointed by the AGMS on 28 April 2023, and officially assumed the position following the fit and proper test approval from OJK on 18 January 2024
236 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 239
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Rapat Dewan Komisaris Mengundang Direksi The Board of Commissioners’ Joint Meeting with
Di tahun 2024, Dewan Komisaris juga mengadakan the Board of Directors
rapat dengan mengundang Direksi yang diselenggarakan In 2024, the Board of Commissioners held 10 (ten) joint
sebanyak 10 (sepuluh) kali dengan jumlah rapat dan meetings with the Board of Directors. The following table
kehadiran anggota Dewan Komisaris sebagai berikut: presents the total meeting and attendance of the Board of
Commissioners in the Joint Meeting:
Nama Dewan Komisaris Persentase Tingkat
Jumlah Rapat Jumlah Kehadiran
Name of Board of Kehadiran
Total Meetings Total Attendance
Commissioners Attendance Rate in %
Dian Masyita 1) 3 3 100%
Abdul Ghofar 2) 1 1 100%
Bagus Agung Rahadiansyah 10 10 100%
Samuel Ramna 10 8 80%
Poerwo Tjahjono 10 10 100%
Tajudin Noor 3) 10 10 100%
1)
Sudah tidak menjabat sejak ditutupnya RUPST tanggal 29 April 2024
No longer serving since the closing of the Annual General Meeting of Shareholders (AGMS) on 29 April 2024
2)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
Appointed by the AGMS on 29 April 2024, and officially assumed office following the fit and proper test approval from OJK on 3 December 2024
3)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
Appointed by the AGMS on 28 April 2023, and officially assumed office following the fit and proper test approval from OJK on 18 January 2024
Kehadiran Dewan Komisaris dalam RUPS Tahunan
Board of Commissioners Attendance in Annual GMS
Kehadiran pada RUPS 29 April 2024
Nama Dewan Komisaris Jabatan
Attendance at Annual GMS on 29 April
Name of Board of Commissioners Position
2024
Dian Masyita 1) Presiden Komisaris & Komisaris Independen Hadir
President Commissioner & Independent Present
Commissioner
Abdul Ghofar 2) Presiden Komisaris & Komisaris Independen Tidak Hadir
President Commissioner & Independent Absent
Commissioner
Bagus Agung Rahadiansyah Komisaris Hadir
Commissioner Present
Samuel Ramna Komisaris Hadir
Commissioner Present
Poerwo Tjahjono Komisaris Independen Hadir
Independent Commissioner Present
Tajudin Noor 3) Komisaris Independen Hadir
Independent Commissioner Present
1)
Sudah tidak menjabat sejak ditutupnya RUPST tanggal 29 April 2024
No longer serving since the closing of the Annual General Meeting of Shareholders (AGMS) on 29 April 2024
2)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
Appointed by the AGMS on 29 April 2024, and officially assumed office following the fit and proper test approval from OJK on 3 December 2024
3)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
Appointed by the AGMS on 28 April 2023, and officially assumed office following the fit and proper test approval from OJK on 18 January 2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 237
Page 240
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pelatihan dan/atau Peningkatan Kompetensi Anggota Dewan Komisaris
Training and/or Competency Enhancement of Members of the Board of Commissioners
Program Pengenalan/Orientasi Anggota Dewan Orientation Program of the Board of
Komisaris yang Baru Diangkat Commissioners’ Newly Appointed Members
Tugu Insurance tetap berkomitmen untuk melaksanakan Tugu Insurance remains committed to conducting a
program orientasi komprehensif bagi anggota Dewan comprehensive orientation program for newly appointed
Komisaris yang baru diangkat. Program ini dirancang members of the Board of Commissioners. This program is
untuk memberikan pengetahuan penting kepada anggota designed to provide essential knowledge to help members
Dewan agar memahami perusahaan, kerangka kerja understand the Company, its operational framework, and
operasionalnya, serta peran tata kelola mereka, sehingga their governance roles, ensuring effective execution of their
dapat mendukung pelaksanaan tugas dan tanggung jawab duties and responsibilities.
secara efektif.
Kebijakan yang mengatur program orientasi ini tercantum The policies governing the orientation program are outlined
dalam Pedoman Dewan (Board Manual) dengan ketentuan in the Board Manual and include the following provisions:
sebagai berikut:
1. Anggota Dewan Komisaris yang baru diangkat 1. Newly appointed members of the Board of
wajib mendapatkan pengenalan tentang kondisi Commissioners must receive an introduction to the
umum Perusahaan; Company’s general condition;
2. Sekretaris Perusahaan, atau pejabat yang 2. The Corporate Secretary, or an appointed official
melaksanakan fungsi Sekretaris Perusahaan, performing the Corporate Secretary’s functions, is
bertanggung jawab untuk memfasilitasi program ini; responsible for facilitating the program;
3. Program orientasi mencakup: 3. The orientation program covers:
a. Penerapan prinsip-prinsip Tata Kelola Perusahaan a. Implementation of Good Corporate Governance
yang Baik (Good Corporate Governance) principles within the Company;
di Perusahaan;
b. Informasi tentang tugas, tanggung jawab, dan b. Duties, responsibilities, and rights of the Board of
hak Dewan Komisaris serta Direksi, termasuk Commissioners and Board of Directors, including
pembatasan hukum dan persyaratan kepatuhan; legal restrictions and compliance requirements;
c. Gambaran umum tentang tujuan, karakteristik, c. An overview of the Company’s objectives, core
dan ruang lingkup kegiatan perusahaan, kinerja activities, financial and operational performance,
keuangan dan operasional, strategi bisnis, risiko, business strategies, risks, and internal control
serta sistem pengendalian internal; dan systems; and
d. Informasi terkait kewenangan yang didelegasikan, d. Information on delegated authority, audit
sistem audit internal dan eksternal, kebijakan systems, internal control policies, and the Audit
pengendalian internal, serta peran Komite Audit. Committee’s role.
4. Metode pelaksanaan program dapat berupa presentasi, 4. The program’s methods include presentations,
pertemuan, kunjungan ke fasilitas Perusahaan meetings, site visits to Company facilities and
dan cabang, tinjauan dokumen Perusahaan, serta branches, document reviews, and other relevant
pendekatan lain yang disesuaikan dengan kebutuhan approaches tailored to the needs of new members.
anggota baru.
Sepanjang tahun 2024, Dewan Komisaris yang Throughout 2024, the newly appointed Board of
baru diangkat telah mengikuti program orientasi Commissioners participated in an orientation program with
sebagai berikut: the following details:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Abdul Ghofar Presiden Komisaris 2 Juli 2024 Jakarta Induksi Pengenalan Fungsi Human Capital
& Komisaris 2 July 2024 Perusahaan Management
Independen Company Introduction Human Capital
President Induction Management Function
Commissioner
& Independent
Commissioner
238 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 241
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Enhancement of the
Anggota Dewan Komisaris Board of Commissioners
Tugu Insurance berkomitmen untuk meningkatkan Tugu Insurance upholds a commitment to ensuring the
efektivitas kerja Dewan Komisaris melalui program effectiveness of the Board of Commissioners through
peningkatan kompetensi. Program ini bertujuan untuk competency enhancement programs. These programs aim
mengasah keterampilan dan pengetahuan anggota Dewan to refine the skills and knowledge of the Board to support
demi mendukung kinerja yang optimal. Kebijakan terkait, optimal performance. The policies, as outlined in the Board
sebagaimana diatur dalam Pedoman Dewan (Board Manual, include:
Manual), meliputi:
1. Program peningkatan kompetensi dirancang untuk 1. The competency enhancement program is designed
meningkatkan efektivitas kerja Dewan Komisaris; to improve the work effectiveness of the Board
of Commissioners;
2. Perencanaan program peningkatan kompetensi harus 2. The planning for competency enhancement programs
dimasukkan ke dalam rencana kerja dan anggaran must be incorporated into the work plan and budget of
Dewan Komisaris; the Board of Commissioners;
3. Anggota Dewan Komisaris yang mengikuti program 3. Members of the Board of Commissioners participating
peningkatan kompetensi, seperti seminar, pelatihan, in competency enhancement programs—such as
atau kegiatan serupa, wajib memberikan wawasan seminars, training, or similar activities—are required
yang diperoleh melalui presentasi kepada anggota to share insights by providing presentations to other
Dewan lainnya; Board members;
4. Setiap anggota yang mengikuti program bertanggung 4. Each member who participates in the program
jawab untuk menyusun laporan pelaksanaan program is responsible for preparing a report on its
peningkatan kompetensi tersebut; dan implementation; and
5. Laporan ini disampaikan kepada Dewan 5. These reports are submitted to the Board of
Komisaris untuk memastikan transparansi dan Commissioners to ensure transparency and
pembelajaran kolektif. collective learning.
Sepanjang tahun 2024, Dewan Komisaris telah The following are competency enhancement programs
mengikuti sejumlah program peningkatan kompetensi attended by Members of the Board of Commissioners
sebagai berikut: in 2024:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Dian Masyita 1) Presiden 15-19 Januari 2024 Online Via Zoom Executive Education- Harvard Kennedy
Komisaris & 15-19 Januari 2024 Cybersecurity: The School
Komisaris Intersection of Policy and
Independen Tecknology;
29 Februari 2024 Online Via Zoom PVML Fit & Proper Test Otoritas Jasa
President 29 February 2024 Assessor Summit 2024: Keuangan (OJK)
Commissioner Arah Pengembangan Usaha
& Independent Jasa Pembiayaan Pada
Commissioner Lembaga Pembiayaan,
Perusahaan Modal Ventura,
Lembaga Keuangan Mikro
dan Lembaga Jasa Keuangan
Lainnya
PVML Fit & Proper Test
Assessor Summit 2024:
Direction of Business
Development in Financing Financial Services
Services for Financing Authority
Institutions, Venture
Capital Companies,
Microfinance Institutions,
and Other Financial Services
Institutions
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 239
Page 242
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Abdul Ghofar 2) Presiden 3 Juli 2024 Online Via Zoom Pelatihan dan Ujian QRGP Widya Dharma Artha
Komisaris & 3 July 2024
Komisaris
Independen QRGP Training and
Examination
President 9 Agustus 2024 Online Via Zoom Pathways to Charted Ikatan Akuntan
Commissioner 9 August 2024 Accountant Indonesia Indonesia (IAI) dan
& Independent (Sebagai Pembicara) BUMN School of
Commissioner Excellence
Pathways to Chartered Indonesian Institute
Accountant Indonesia of Accountants (IAI)
(Speaker) and BUMN School of
Excellence
24-25 September Swiss-Belhotel, Jambi Towards An Inclusive and Jambi Economic,
2024 Sustainable Economy Business, and
Based on The Principles Accounting
of Entrepreneurship and Conference (JEBAC)
Financial Digitalization
(Sebagai Pembicara)
Towards an Inclusive and
Sustainable Economy
Based on the Principles
of Entrepreneurship and
Financial Digitalization
(Speaker)
11 Oktober 2024 Online Via Zoom Pathways to Charted Ikatan Akuntan
11 October 2024 Accountant Indonesia Indonesia (IAI) dan
(Sebagai Pembicara) BUMN School of
Excellence
Pathways to Chartered Indonesian Institute
Accountant Indonesia of Accountants (IAI)
(Speaker) and BUMN School of
Excellence
6 Desember 2024 Online Via Zoom Pathways to Charted Ikatan Akuntan
6 December 2024 Accountant Indonesia Indonesia dan BUMN
(Sebagai Pembicara) School of Excellence
Pathways to Chartered Indonesian Institute
Accountant Indonesia of Accountants and
(Speaker) BUMN School of
Excellence
240 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 243
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Bagus Agung Komisaris 5 Maret 2024 Online Via Zoom Analisa Laporan Keuangan Widya Dharma Artha
Rahadiansyah Commissioner 5 March 2024 Perusahaan Asuransi
Berbasis PSAK 74
dan Dampaknya Bagi
Perkembangan Industri
Asuransi
Financial Statement Analysis
of Insurance Companies
Based on PSAK 74 and Its
Impact on the Insurance
Industry Development
29 November 2024 Online Via Zoom Risk Control & Self- Widya Dharma Artha
29 November 2024 Assessment In Insurance
Company
9 Desember 2024 Online Via Zoom Nasabah dan Transaksi PT Grajosa Resources
9 December 2024 Mencurigakan
(Apa yang Perlu Diketahui
dan Dilakukan)
Customers and Suspicious
Transactions
(What Needs to Be Known
and Done)
Samuel Ramna Komisaris 5 Maret 2024 Online Via Zoom Analisa Laporan Keuangan Widya Dharma Artha
Commissioner 5 March 2024 Perusahaan Asuransi
Berbasis PSAK 74
dan Dampaknya Bagi
Perkembangan Industri
Asuransi
Financial Statement Analysis
of Insurance Companies
Based on PSAK 74 and Its
Impact on the Development
of the Insurance Industry
22 November 2024 Online Via Zoom Seeing the Unseen Enemies: Institute of
Crucial Role of Whistleblowers Compliance
in Detecting and Preventing Professional
Cyberfraud Indonesia (ICoPI)
4 Desember 2024 Online via Zoom Risk Beyond 2024-Master Enterprise Risk
4 December 2024 Class Resilient Leadership: Management
ESG, AI, and GRC in Modern Academy (ERMA)
Risk Governance
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 241
Page 244
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Poerwo Tjahjono Komisaris 27 Juni 2024 Online via Zoom Mengintegrasikan Center for Risk
Independen 27 Juni 2024 manajemen kepatuhan: Management &
Independent Implementasi POJK 22/2023 Sustainability (CRMS)
Commissioner dari teori ke aksi:
Kasus Pelindungan
Konsumen
Integrating Compliance
Management:
Implementation of POJK
22/2023 from Theory to
Action
(Consumer Protection Case)
29 November 2024 Online Via Zoom Risk Control & Self- Widya Dharma Artha
Assessment In Insurance
Company
9 Desember 2024 Online Via Zoom Nasabah dan Transaksi PT Grajosa Resources
9 Deccember 2024 Mencurigakan
(Apa yang Perlu Diketahui
dan Dilakukan)
Customers and Suspicious
Transactions
(What Needs to Be Known
and Done)
Tajudin Noor 3) Komisaris 21 Mei 2024 Online via Zoom Prefessional Development Indonesia Risk
Independen 21 May 2024 Program - Anti Fraud Risk Management
Independent Management Professional
Commissioner Association (IRMAPA)
27 Juni 2024 Online via Zoom Mengintegrasikan Center for Risk
27 Juni 2024 manajemen kepatuhan: Management &
Implementasi POJK 22/2023 Sustainability (CRMS)
dari teori ke aksi:
Kasus Pelindungan
Konsumen
Integrating Compliance
Management:
Implementation of POJK
22/2023 from Theory to
Action
(Consumer Protection Case)
5-6 Desember 2024 Online via Zoom Risk Beyond Enterprise Risk
5-6 December 2024 2024-Sustainable Symphony: Management
Echoes of Change Academy (ERMA)
9 Desember 2024 Online Via Zoom Nasabah dan Transaksi PT Grajosa Resources
9 December 2024 Mencurigakan
(Apa yang Perlu Diketahui
dan Dilakukan)
Customers and Suspicious
Transactions
(What Needs to Be Known
and Done)
1)
Sudah tidak menjabat sejak ditutupnya RUPST tanggal 29 April 2024
No longer serving since the closing of the Annual General Meeting of Shareholders (AGMS) on 29 April 2024
2)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
Appointed by the AGMS on 29 April 2024, and officially assumed office following the fit and proper test approval from OJK on 3 December 2024
3)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
Appointed by the AGMS on 28 April 2023, and officially assumed office following the fit and proper test approval from OJK on 18 January 2024
242 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 245
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Penilaian Kinerja Komite di Bawah Dewan Komisaris
Performance Assessment of the Committee under the Board of Commissioners
Untuk mendukung efektivitas pelaksanaan tugas dan To support the effective execution of their duties and
tanggung jawabnya, Dewan Komisaris Tugu Insurance responsibilities, the Board of Commissioners of Tugu
telah membentuk beberapa komite, yaitu: Komite Audit, Insurance has established several committees: the
Komite Pemantauan Risiko, dan Komite Nominasi Audit Committee, the Risk Monitoring Committee, and
dan Remunerasi. Pembentukan komite-komite ini the Nomination and Remuneration Committee. These
disesuaikan dengan peraturan yang berlaku serta committees are formed in line with applicable regulations
kebutuhan Perusahaan. and the Company’s needs.
Komite-komite tersebut bertugas membantu Dewan The committees assist the Board of Commissioners in
Komisaris dalam memantau, mengevaluasi, dan monitoring, evaluating, and ensuring the following:
memastikan hal-hal berikut:
• Efektivitas informasi keuangan dan sistem • Effectiveness of financial information and the internal
pengendalian internal; control system;
• Pelaksanaan manajemen risiko, audit internal, dan • Implementation of risk management, internal audit, and
audit eksternal; external audit processes;
• Kepatuhan serta penanganan pengaduan terkait • Compliance and resolution of complaints related to
pelaporan keuangan; financial reporting;
• Penerapan prinsip tata kelola perusahaan yang baik • Application of corporate governance principles
(GCG) sesuai peraturan yang berlaku; dan according to prevailing regulations; and
• Pelaksanaan fungsi nominasi dan remunerasi untuk • Execution of nomination and remuneration
Direksi dan Dewan Komisaris, bekerja sama dengan functions for the Board of Directors and the
perusahaan induk. Board of Commissioners, in coordination with the
parent company.
Untuk mendukung pelaksanaan tugasnya, Dewan To facilitate their duties, the Board of Commissioners
Komisaris juga didukung oleh Sekretaris Dewan Komisaris, is supported by the Secretary of the Board of
dengan biaya yang ditanggung oleh Perusahaan. Commissioners, whose services are funded by
the Company.
Dewan Komisaris secara berkala mengevaluasi kinerja The Board of Commissioners regularly evaluates the
komite-komite di bawahnya melalui penilaian 360 derajat performance of its committees through a 360-degree
dengan menggunakan Survei Perilaku AKHLAK dan assessment, incorporating the AKHLAK Behavior Survey
Indikator Kinerja Utama (KPI). Penilaian ini mencakup and Key Performance Indicators (KPI). The assessment
aspek perencanaan, pelaksanaan tugas, pelaporan, dan covers planning, execution, reporting, and dynamic aspects
aspek dinamis. of the committees’ work.
Program kerja komite dilaksanakan melalui mekanisme The committees execute their work plans via a structured
rapat komite yang melibatkan divisi/unit kerja terkait, serta meeting mechanism that involves related divisions or work
evaluasi mendalam yang dilakukan oleh masing-masing units and through in-depth evaluations conducted outside
komite di luar forum rapat. Hasil evaluasi dan rekomendasi formal meetings. The findings and recommendations
tersebut disampaikan secara tertulis kepada Dewan from these evaluations are submitted in writing to the
Komisaris, sehingga memastikan proses pengawasan yang Board of Commissioners, ensuring a comprehensive and
menyeluruh dan transparan. transparent supervisory process.
Pada tahun 2024, Dewan Komisaris menilai bahwa Komite- In 2024, the Board of Commissioners assessed that the
Komite di bawah pengawasannya telah melaksanakan Committees under its supervision effectively carried out
tugas dan tanggung jawabnya dengan baik sesuai dengan their duties and responsibilities in accordance with the
Piagam Komite dan peraturan perundang-undangan yang Committee Charters and applicable laws and regulations.
berlaku. Adapun uraian mengenai penilaian masing-masing The detailed evaluation of each Committee is as follows:
Komite adalah sebagai berikut:
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 243
Page 246
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Komite dan Fungsi
di Bawah Dewan
Komisaris
No. Hasil Penilaian Kinerja Performance Assessment Result
Committees and Function
under the Board of
Commissioners
1. Komite Audit Komite Audit telah melakukan telaah atas The Audit Committee has reviewed the Company’s
Audit Committee Laporan Keuangan Perseroan dan Entitas Anak, and its Subsidiaries’ Financial Statements,
melakukan pemantauan kinerja keuangan, monitored financial performance, evaluated audit
mengevaluasi perencanaan dan pelaksanaan audit planning and execution, followed up on audit results,
serta memantau tindak lanjut hasil audit, dan and recommended the appointment of a Public
merekomendasikan penunjukan Kantor Akuntan Accounting Firm to audit the Company’s and its
Publik untuk melakukan audit atas Laporan Subsidiaries’ Financial Statements. The committee
Keuangan Perseroan dan Entitas Anak; melakukan has also reviewed the adequacy of management’s
penelaahan atas kecukupan usaha manajemen efforts in designing and implementing an effective
dalam mendesain dan melaksanakan sistem internal control system, coordinated with internal
pengendalian internal yang efektif; melakukan auditors in carrying out their duties, monitored
koordinasi dengan internal auditor dalam the effectiveness of management’s efforts in
pelaksanaan tugasnya; melakukan pemantauan risk assessment and management, as well as
terhadap efektivitas manajemen dalam upaya compliance with laws and regulations, monitored
penilaian dan pengelolaan risiko serta kepatuhan the effectiveness of the whistleblower mechanism
terhadap peraturan perundang-undangan; for employees or third parties, and maintained the
melakukan pemantauan terhadap efektivitas confidentiality of the company’s documents, data,
mekanisme pengaduan dari pegawai atau pihak and information.
ketiga yang dilakukan oleh manajemen; serta
menjaga kerahasiaan dokumen, data dan informasi In carrying out its duties and responsibilities in
perusahaan. 2024, the Audit Committee held 43 (forty-three)
meetings, including coordination meetings with
Dalam melaksanakan tugas dan tanggung jawabnya other Committees of the Board of Commissioners,
pada 2024, Komite Audit mengadakan 43 (empat meetings with management, and attended training
puluh tiga) kali rapat termasuk rapat koordinasi and seminars to enhance its competencies.
dengan Komite Komisaris lainnya, dan rapat dengan
manajemen, serta mengikuti pelatihan dan seminar
dalam rangka mengembangkan kompetensinya.
2. Komite Pemantau Risiko Komite Pemantau Risiko telah menjalankan The Risk Monitoring Committee has carried out its
Risk Monitoring Committee tugas untuk membantu Dewan Komisaris dalam duties to assist the Board of Commissioners in
mengawasi pelaksanaan manajemen risiko agar overseeing the implementation of risk management
sesuai dengan kebijakan Perseroan, antara lain to ensure alignment with the Company’s policies.
dengan mengawasi agar keberadaan kebijakan This includes overseeing the establishment of risk
manajemen risiko yang disusun oleh Direksi, management policies by the Board of Directors,
termasuk toleransi yang diambil telah memadai dan ensuring that the tolerance levels set are adequate
sesuai dengan kebutuhan Perseroan; mengawasi and aligned with the Company’s needs; monitoring
pengelolaan risiko di Perseroan, khususnya usaha the management of risks within the Company,
dan strategi yang dilakukan Direksi; mengawasi agar particularly the efforts and strategies carried out by
pelaporan risiko telah disampaikan kepada Dewan the Board of Directors; ensuring that risk reporting
Komisaris sesuai dengan ketentuan dan kebutuhan is submitted to the Board of Commissioners in
Dewan Komisaris, memastikan dipatuhinya prinsip accordance with their requirements; ensuring
GCG dan Code of Conduct, dan membina hubungan compliance with Good Corporate Governance (GCG)
profesional dengan Komite lain dan Manajemen. principles and the Code of Conduct, and fostering
professional relationships with other Committees
Dalam melaksanakan tugas dan tanggung jawabnya and Management.
pada 2024, Komite Pemantau Risiko mengadakan
27 (dua puluh tujuh) kali rapat termasuk rapat In carrying out its duties and responsibilities in
koordinasi dengan Komite Komisaris lainnya, dan 2024, the Risk Monitoring Committee held 27
rapat dengan manajemen. Program pengembangan (twenty-seven) meetings, including coordination
Komite Pemantau Risiko dilaksanakan sejalan meetings with other Committees of the Board of
dengan program strategis Perseroan, melalui Commissioners and meetings with management.
seminar, workshop, dan pelatihan. The development program for the Risk Monitoring
Committee was implemented in line with the
Company’s strategic programs, through seminars,
workshops, and training sessions.
244 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Komite dan Fungsi
di Bawah Dewan
Komisaris
No. Hasil Penilaian Kinerja Performance Assessment Result
Committees and Function
under the Board of
Commissioners
3. Komite Nominasi dan Komite Nominasi dan Remunerasi telah membantu The Nomination and Remuneration Committee has
Remunerasi Dewan Komisaris untuk melaksanakan fungsi assisted the Board of Commissioners in performing
Nomination and dan tugasnya terkait Nominasi dan Remunerasi its functions and duties related to the nomination
Remuneration Committee anggota Direksi dan Dewan Komisaris serta and remuneration of the members of the Board
nominasi pejabat pada satu tingkat di bawah of Directors and the Board of Commissioners,
Direksi. Terkait hal tersebut, Komite Nominasi as well as the nomination of officers one level
dan Remunerasi antara lain telah melaksanakan below the Board of Directors. In this regard, the
pemberian rekomendasi kepada Dewan Komisaris Nomination and Remuneration Committee has made
terkait komposisi jabatan anggota Dewan Komisaris recommendations to the Board of Commissioners
dan Direksi, kebijakan dan kriteria yang dibutuhkan on the composition of positions of the Board of
dalam proses Nominasi, kebijakan evaluasi kinerja Commissioners and the Board of Directors, policies,
anggota Dewan Komisaris dan Direksi. Lebih lanjut, and criteria required in the nomination process, as
Komite Nominasi dan Remunerasi telah membantu well as the performance evaluation policies for the
Dewan Komisaris melakukan penilaian kinerja members of the Board of Commissioners and Board
berdasarkan tolok ukur yang telah ditetapkan dan of Directors.
kesesuaian remunerasi yang diterima, memberikan
rekomendasi terkait program pengembangan Furthermore, the Nomination and Remuneration
kompetensi anggota Dewan Komisaris dan Committee has assisted the Board of
Direksi. Pada perubahan struktur organisasi untuk Commissioners in conducting performance
mencapai tujuan Perseroan, Komite Nominasi dan assessments based on established benchmarks
Remunerasi memberikan pertimbangan terkait and ensuring the alignment of remuneration
struktur, kebijakan dan besaran Remunerasi untuk with the performance. The Committee has also
mempertahankan tingkat kompetitif Perseroan provided recommendations on the competency
terhadap industri asuransi di Indonesia. development programs for the members of the
Board of Commissioners and Board of Directors.
Dalam melaksanakan tugas dan tanggung jawabnya In terms of organizational structure changes to
pada 2024, Komite Nominasi dan Remunerasi achieve the Company’s objectives, the Nomination
mengadakan 21 (dua puluh satu) kali rapat. and Remuneration Committee has provided
Disamping itu, tugas tambahan yang diberikan considerations regarding the structure, policies, and
kepada anggota Komite juga telah dilaksanakan levels of remuneration to maintain the Company’s
sesuai dengan arahan dan hasil rapat internal competitiveness within the Indonesian insurance
maupun dengan pihak lain yang terkait dalam industry.
rangka pencapaian program strategis Perseroan.
In carrying out its duties and responsibilities in
2024, the Nomination and Remuneration Committee
held 21 (twenty one) meetings. In addition, the
additional tasks assigned to Committee members
have been carried out in accordance with the
directions and outcomes of internal meetings
or meetings with relevant parties to achieve the
Company’s strategic programs.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 245
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Komite dan Fungsi
di Bawah Dewan
Komisaris
No. Hasil Penilaian Kinerja Performance Assessment Result
Committees and Function
under the Board of
Commissioners
4. Komite Tata Kelola Komite Tata Kelola Terintegrasi dibentuk atas arahan The Integrated Governance Committee was
Terintegrasi dari Pemegang Saham Pengendali untuk mematuhi established under the direction of the Controlling
Integrated Governance Peraturan Menteri Badan Usaha Milik Negara Nomor Shareholder to comply with Minister of State-Owned
Committee PER-2/MBU/03/2023 tentang Pedoman tata Enterprises Regulation No. PER-2/MBU/03/2023
Kelola dan Kegiatan Korporasi Signifikan BUMN. regarding the Guidelines for Governance and
Komite Tata Kelola Terintegrasi telah membantu Significant Corporate Activities of SOEs. The
Dewan Komisaris dalam melakukan pengawasan Integrated Governance Committee has assisted
dan pemberian nasihat terhadap kegiatan entitas the Board of Commissioners in overseeing and
Tugu Group yang terkait dengan bidang tugas providing advice on the activities of Tugu Group
Komite Tata Kelola Terintegrasi diantaranya entities related to the Committee’s responsibilities,
mengevaluasi kebijakan Tata Kelola Terintegrasi dan including evaluating Integrated Governance policies
memberikan rekomendasi kepada Dewan Komisaris and providing recommendations to the Board of
terkait penyempurnaan kebijakan Tata Kelola Commissioners for the improvement of these
Terintegrasi tersebut, pemantauan dan evaluasi policies, monitoring and evaluating the alignment
atas keselarasan dan penerapan kebijakan Tata and implementation of Integrated Governance
Kelola Terintegrasi di Tugu Group; dan memberikan policies within Tugu Group, and offering governance
rekomendasi perbaikan tata kelola, berupa upaya improvement recommendations, such as mitigation
mitigasi dan solusi, atas isu strategis di Tugu efforts and solutions, for strategic issues
Group berdasarkan hasil penelaahan dan evaluasi within Tugu Group based on integrated reviews
yang terintegrasi. Dalam melaksanakan tugas dan and evaluations.In carrying out its duties and
tanggung jawabnya pada 2024, Komite Tata Kelola responsibilities in 2024, the Integrated Governance
Terintegrasi telah melaksanakan 3 (tiga) kali rapat Committee held 3 (three) meetings, and the results
dan hasil rapat dituangkan dalam risalah rapat of these meetings were documented in meeting
untuk didokumentasikan dengan baik. minutes for proper record-keeping.
5. Sekretaris Dewan Komisaris Sekretaris Dewan Komisaris telah membantu The Secretary of the Board of Commissioners
Secretary of the Board of Dewan Komisaris sebagai koordinator dalam has assisted the Board of Commissioners as a
Commissioners seluruh kegiatan administrasi yang dilaksanakan coordinator in all administrative activities carried
di Sekretariat Dewan Komisaris; koordinator out at the Board of Commissioners’ Secretariat. The
kegiatan Dewan Komisaris di Perseroan, seperti Secretary coordinates the Board of Commissioners’
rapat, pertemuan dan lain-lain; bersama Komite activities within the Company, such as meetings,
Dewan Komisaris, menyusun Rencana Kegiatan gatherings, and other related events. Along with the
dan Anggaran (RKA) Dewan Komisaris setiap tahun; Board of Commissioners’ Committees, the Secretary
bersama Komite Dewan Komisaris melakukan helps prepare the Board of Commissioners’ Annual
analisis RKAP Perseroan, Business Plan Perseroan Work Plan and Budget (RKA), conducts analysis of
dan rekomendasinya kepada Dewan Komisaris; the Company’s RKAP (Annual Work Plan and Budget)
membuat notulis dan membuat summary pada and Business Plan, and provides recommendations
setiap rapat antara Dewan Komisaris dan Direksi to the Board of Commissioners. Additionally, the
Tugu Insurance; serta tugas-tugas lain yang Secretary takes meeting minutes and prepares
berhubungan dengan bidang kesekretariatan Dewan summaries for each meeting between the Board
Komisaris. of Commissioners and the Board of Directors of
Tugu Insurance, as well as other tasks related
to the Board of Commissioners’ secretarial
responsibilities.
246 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
3.C
Direksi
Board of Directors
Direksi merupakan badan pengelola Perusahaan yang The Board of Directors is the governing body of
sepenuhnya berwenang dan bertanggung jawab dalam the Company, fully empowered and accountable for
mengelola Perusahaan untuk menciptakan nilai tambah overseeing its management to create value and ensure
dan memastikan kelangsungan usaha. business continuity.
Setiap anggota Direksi menjalankan tugas dan mengambil Each Board member carries out their responsibilities and
keputusan sesuai dengan pembagian tugas dan makes decisions in line with the division of duties and
wewenang yang tercantum dalam Anggaran Dasar, dengan authority outlined in the Articles of Association, while
tetap mematuhi peraturan dan perundang-undangan adhering to applicable laws and regulations.
yang berlaku.
Rapat Umum Pemegang Saham (RUPS) memiliki The General Meeting of Shareholders (GMS) holds the
kewenangan tertinggi dalam hal pengangkatan dan ultimate authority in the appointment and removal of
pemberhentian anggota Direksi. Sebagai bentuk Board members. In line with the principles of Good
akuntabilitas, Direksi bertanggung jawab penuh atas Corporate Governance (GCG), the Board of Directors is
laporan pengelolaan Perusahaan yang disampaikan responsible for submitting the Company’s management
kepada RUPS, sebagai implementasi dari prinsip-prinsip report to the GMS as part of its commitment to
Good Corporate Governance (GCG). transparency and accountability.
Ketentuan Masa Jabatan Direksi
Provisions for Term of Office of the Board of Directors
Sesuai dengan ketentuan yang ditetapkan dalam RUPS, In accordance with the provisions set forth in the General
masa jabatan anggota Direksi yang diangkat oleh Meeting of Shareholders (GMS), the term of office of the
RUPS akan berlaku efektif sejak tanggal diterbitkannya members of the Board of Directors appointed by the GMS
penetapan lulus uji kemampuan dan kepatutan oleh shall become effective from the date of the issuance of
OJK, dan berakhir pada saat penutupan RUPS Tahunan the OJK’s decision on passing the fit and proper test,
ke-3 (tiga), yang menandai akhir dari satu periode masa and will end at the closing of the third (3rd) Annual GMS,
jabatan. Namun, hak RUPS untuk memberhentikan marking the end of one term of office. However, this
anggota Direksi kapan saja sebelum masa jabatannya does not affect the GMS’s right to dismiss any member
berakhir tetap berlaku. of the Board of Directors at any time before the end of
their term.
Masa jabatan anggota Direksi akan berakhir apabila yang The term of office of a member of the Board of Directors
bersangkutan mengalami salah satu dari kondisi berikut: shall end if the member:
1. Mengundurkan diri secara resmi; 1. Resigns;
2. Meninggal dunia; 2. Passes away;
3. Diberhentikan berdasarkan keputusan Rapat Umum 3. Is dismissed by a decision of the General Meeting
Pemegang Saham; of Shareholders;
4. Ditempatkan di bawah pengampuan berdasarkan 4. Is placed under legal guardianship by a court decision;
putusan pengadilan yang sah; dan and
5. Tidak lagi memenuhi persyaratan yang ditentukan oleh 5. No longer meets the requirements set forth by
perundang-undangan yang berlaku. applicable laws and regulations.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 247
Page 250
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Komposisi Direksi Tahun 2024
The Board of Directors Composition in 2024
Tugu Insurance menetapkan komposisi Direksi Tugu Insurance determines the composition of the Board
berdasarkan pada kompleksitas bisnis Perseroan dan of Directors based on the complexity of the Company’s
struktur organisasi sehingga memungkinkan pengambilan business and organizational structure, enabling effective,
keputusan yang efektif, tepat, dan cepat dalam rangka accurate, and prompt decision-making to achieve the
pencapaian tujuan-tujuan Perseroan. Board Manual Company’s objectives. The Board Manual stipulates that
mengatur bahwa jumlah anggota Direksi sekurang- the number of members of the Board of Directors must
kurangnya adalah 3 (tiga) orang, dan salah satu di antara be at least 3 (three), with one of them serving as the
anggota Direksi tersebut adalah Presiden Direktur. President Director.
Di tahun 2024, komposisi Direksi Tugu Insurance tidak In 2024, the composition of Tugu Insurance’s Board of
mengalami perubahan sesuai dengan keputusan RUPS Directors was not changed in accordance with the decision
Tahunan tanggal 29 April 2024. Informasi lengkap of the Annual General Meeting of Shareholders (AGMS)
mengenai perubahan komposisi Direksi Tugu Insurance held on 29 April 2024. Detailed information regarding the
sepanjang tahun 2024 dapat dilihat pada Bab Profil changes in the composition of Tugu Insurance’s Board of
Perusahaan dalam Laporan Tahunan ini. Directors throughout 2024 can be found in the Company
Profile section of this Annual Report.
Adapun komposisi Direksi Tugu Insurance per 31 The composition of Tugu Insurance’s Board of Directors as
Desember 2024 adalah sebagai berikut: of 31 December 2024, is as follows:
Nama Jabatan
Name Position
Tatang Nurhidayat Presiden Direktur
President Director
Emil Hakim Direktur Keuangan & Layanan Korporat
Finance & Corporate Service Director
Ery Widiatmoko Direktur Pemasaran Asuransi
Insurance Marketing Director
Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko
Compliance & Risk Management Director
Sudarlin Direktur Teknik
Technical Director
Buku Panduan Direksi (Board Manual)
Board of Directors Guideline (Board Manual)
Dalam menjalankan tugas dan tanggung jawabnya, Direksi In carrying out their duties and responsibilities, the
memiliki Pedoman (Board Manual) yang mengacu pada Board of Directors follows a Board Manual based on
POJK No. 33/2014 yang berisi tentang tugas pokok OJK Regulation No. 33/2014, which outlines the key
dan fungsi kerja. Pada tanggal 31 Desember 2021, duties and functions. As of 31 December 2021, the
Dewan Komisaris dan Direksi telah mengesahkan Board Board of Commissioners and the Board of Directors have
Manual yang tidak dapat dipisahkan dari Anggaran Dasar approved the Board Manual, which is an integral part
Perusahaan dan GCG Soft Structure Perseroan. Board of the Company’s Articles of Association and its GCG
Manual berlaku bagi pelaksanaan hubungan kerja antar Soft Structure. The Board Manual governs the working
Dewan Komisaris dan Direksi dengan mengacu kepada relationship between the Board of Commissioners and
ketentuan yang terdapat dalam Anggaran Dasar Perseroan, the Board of Directors, in accordance with the provisions
dan/atau ketentuan peraturan perundang-undangan outlined in the Company’s Articles of Association and/or
yang berlaku. applicable laws and regulations.
Adapun hal-hal yang diatur terkait Direksi dalam Board The following matters related to the Board of Directors are
Manual, antara lain: outlined in the Board Manual, including:
1. Persyaratan, rangkap jabatan, komposisi, dan masa 1. Requirements, multiple positions, composition, and
jabatan Direksi; term of office of the Board of Directors;
2. Tugas, wewenang, kewajiban, dan tanggung 2. Duties, authority, obligations, and responsibilities of the
jawab Direksi; Board of Directors;
248 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
3. Rapat Direksi; 3. Board of Directors meetings;
4. Waktu kerja Direksi; 4. Working hours of the Board of Directors;
5. Komunikasi Direksi; 5. Communication within the Board of Directors;
6. Direksi dalam RUPS; 6. The role of the Board of Directors in the General
7. Batasan dan wewenang Direksi; Meeting of Shareholders (GMS);
8. Fungsi pendukung; dan 7. Limits and authority of the Board of Directors;
9. Pelaporan dan pertanggungjawaban Direksi. 8. Supporting functions; and
9. Reporting and accountability of the Board of Directors.
Tugas dan Kewajiban Direksi
The Duties and Obligations of the Board of Directors
Direksi memiliki tugas dan tanggung jawab sebagai berikut: The Board of Directors has the following duties
and responsibilities:
1. Direksi bertugas menjalankan segala tindakan yang 1. The Board of Directors is responsible for carrying out
berkaitan dengan pengurusan Perseroan untuk all actions related to the management of the Company
kepentingan Perseroan dan sesuai dengan maksud in the best interest of the Company and in accordance
dan tujuan Perseroan serta mewakili Perseroan baik with the objectives and purposes of the Company. The
di dalam maupun di luar pengadilan mengenai segala Board of Directors represents the Company both inside
hal dan kejadian, dengan pembatasan-pembatasan and outside of court in all matters and events, with
sebagaimana diatur dalam peraturan perundang- the limitations set forth in the laws and regulations,
undangan, Anggaran Dasar, dan/atau Keputusan Rapat the Articles of Association, and/or the decisions of the
Umum Pemegang Saham (RUPS); General Meeting of Shareholders (GMS);
2. Mengusahakan dan menjamin terlaksananya usaha 2. To ensure and guarantee the implementation of the
dan kegiatan Perseroan sesuai dengan maksud, tujuan, Company’s business and activities in accordance with
dan kegiatan usahanya; its objectives, purposes, and business operations;
3. Menyiapkan pada waktunya Rencana Jangka Panjang 3. To prepare and submit the Company’s Long-Term
Perseroan (RJPP), Rencana Kerja dan Anggaran Plan (RJPP), Work Plan and Budget (RKAP), and any
Perseroan (RKAP), dan perubahannya, serta amendments in a timely manner, and submit them to
menyampaikannya kepada Dewan Komisaris untuk the Board of Commissioners for approval;
mendapatkan persetujuan;
4. Memberikan penjelasan kepada Dewan Komisaris 4. To provide explanations to the Board of Commissioners
mengenai RJPP dan RKAP; regarding the RJPP and RKAP;
5. Membuat Laporan Tahunan sebagai wujud 5. To prepare the Annual Report as part of the
pertanggungjawaban pengurusan Perseroan, serta responsibility for managing the Company, as well as the
dokumen keuangan Perseroan sebagaimana dimaksud financial documents of the Company as stipulated in
dalam Undang-undang tentang Dokumen Perusahaan; the laws regarding Company Documents;
6. Menyusun Laporan Keuangan berdasarkan Standar 6. To prepare the Financial Statements based on Financial
Akuntansi Keuangan dan menyerahkan kepada Akuntan Accounting Standards and submit them to a Public
Publik untuk diaudit; Accountant for auditing;
7. Menyampaikan dan memberikan penjelasan Laporan 7. To submit and explain the Annual Report, including
Tahunan, termasuk Laporan Keuangan, kepada Rapat the Financial Statements, to the General Meeting of
Umum Pemegang Saham (RUPS) untuk disetujui Shareholders (GMS) for approval and ratification;
dan disahkan;
8. Menyampaikan Neraca, Laporan Laba Rugi, dan 8. To submit the Balance Sheet, Profit and Loss
perubahan Direksi dan Dewan Komisaris yang Statement, and changes in the Board of Directors and
disahkan oleh Rapat Umum Pemegang Saham (RUPS) Board of Commissioners, which have been ratified by
kepada Menteri yang membidangi Hukum dan Hak the General Meeting of Shareholders (GMS), to the
Asasi Manusia, sesuai dengan ketentuan peraturan Minister of Law and Human Rights, in accordance with
perundang-undangan. the applicable laws and regulations;
9. Memelihara dan menyimpan di tempat 9. To maintain and store at the Company’s
kedudukan Perseroan: registered office:
• Daftar Pemegang Saham; • The Shareholder Register;
• Daftar Khusus; • The Special Register;
• Risalah Rapat Umum Pemegang Saham; • Minutes of the General Meeting of Shareholders
• Risalah Rapat Dewan Komisaris dan Risalah (GMS);
Rapat Direksi; • Minutes of the Board of Commissioners’ meetings
and Board of Directors’ meetings;
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 249
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
• Laporan Tahunan dan dokumen • The Annual Report and financial documents of
keuangan Perseroan; the Company;
• Dokumen Perseroan lainnya. • Other corporate documents.
10. Menyusun sistem akuntansi sesuai dengan Standar 10. To establish an accounting system in accordance with
Akuntansi Keuangan dan berdasarkan prinsip- Financial Accounting Standards and based on internal
prinsip pengendalian intern, terutama pemisahan control principles, particularly the segregation of duties
fungsi pengurusan, pencatatan, penyimpanan, in management, recording, storage, and supervision;
dan pengawasan;
11. Memberikan laporan berkala sesuai dengan cara 11. To submit periodic reports in the manner and within the
dan waktu yang ditentukan dalam ketentuan yang time frame as stipulated by applicable regulations, as
berlaku, serta laporan lainnya setiap kali diminta oleh well as other reports whenever requested by the Board
Dewan Komisaris; of Commissioners;
12. Menyiapkan susunan organisasi Perseroan lengkap 12. To prepare the Company’s organizational structure
dengan perincian dan tugasnya; along with details and responsibilities;
13. Memberikan penjelasan tentang segala hal 13. To provide explanations on any matters asked or
yang ditanyakan atau diminta oleh anggota requested by members of the Board of Commissioners;
Dewan Komisaris;
14. Menyusun dan menetapkan struktur 14. To prepare and establish the Company’s
organisasi Perseroan; organizational structure;
15. Menjalankan kewajiban-kewajiban lainnya sesuai 15. To fulfill other obligations as stipulated in the Articles
dengan ketentuan yang diatur dalam Anggaran Dasar of Association and determined by the General
dan yang ditetapkan oleh Rapat Umum Pemegang Meeting of Shareholders (GMS) in accordance with
Saham berdasarkan peraturan perundang-undangan; applicable laws;
16. Dalam menjalankan tugas dan tanggung jawab 16. In carrying out management duties and responsibilities,
pengurusan, Direksi wajib menyelenggarakan RUPS the Board of Directors must hold the Annual General
Tahunan dan RUPS Lainnya sesuai dengan peraturan Meeting of Shareholders (AGMS) and other General
perundang-undangan dan Anggaran Dasar; Meetings of Shareholders as required by applicable
laws and the Articles of Association;
17. Direksi wajib membentuk komite, dengan 17. The Board of Directors is required to form committees,
memperhatikan peraturan perundang-undangan taking into account the applicable laws and regulations;
yang berlaku;
18. Dalam hal dibentuk komite, Direksi wajib melakukan 18. If committees are formed, the Board of Directors
evaluasi terhadap kinerja komite setiap akhir is obligated to evaluate the performance of each
tahun buku; committee at the end of each financial year;
19. Direksi bersama dengan Dewan Komisaris 19. The Board of Directors, together with the Board of
wajib menyusun: Commissioners, is required to prepare:
a. Pedoman yang mengikat setiap anggota Direksi a. Guidelines that bind each member of the Board
dan Dewan Komisaris, sesuai dengan ketentuan of Directors and Board of Commissioners,
peraturan perundang-undangan yang berlaku; in accordance with the applicable laws
and regulations;
b. Kode etik yang berlaku bagi seluruh anggota Direksi b. A code of ethics applicable to all members of
dan anggota Dewan Komisaris, karyawan/pegawai, the Board of Directors, Board of Commissioners,
serta pendukung organ yang dimiliki Perseroan, employees, and other supporting organs of the
sesuai dengan ketentuan peraturan perundang- Company, in accordance with the applicable laws
undangan yang berlaku. and regulations.
20. Setiap anggota Direksi bertanggung jawab penuh 20. Each member of the Board of Directors is fully
secara tanggung renteng atas kerugian Perseroan yang responsible, jointly and severally, for any losses
disebabkan oleh kesalahan atau kelalaian anggota suffered by the Company caused by errors or
Direksi dalam menjalankan tugasnya; negligence of a member of the Board of Directors in
performing their duties;
21. Anggota Direksi tidak dapat dipertanggungjawabkan 21. A member of the Board of Directors cannot be
atas kerugian Perseroan, apabila dapat membuktikan: held accountable for the Company’s losses if they
can prove:
a. Kerugian tersebut bukan karena kesalahan a. The losses were not caused by their errors
atau kelalaiannya; or negligence;
b. Telah melakukan pengurusan dengan itikad baik, b. They have carried out management duties in good
penuh tanggung jawab, dan kehati-hatian untuk faith, with full responsibility, and with caution for the
kepentingan dan sesuai dengan maksud dan benefit of the Company and in accordance with the
tujuan Perseroan; Company’s objectives and purposes;
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
c. Tidak mempunyai benturan kepentingan baik c. They did not have a conflict of interest, either
langsung maupun tidak langsung atas tindakan directly or indirectly, regarding the management
pengurusan yang mengakibatkan kerugian; dan actions that caused the loss; and
d. Telah mengambil tindakan untuk mencegah timbul d. They have taken action to prevent or mitigate the
atau berlanjutnya kerugian tersebut. continuation of such losses.
22. Direksi mewakili Perseroan secara sah dan secara 22. The Board of Directors represents the Company legally
langsung baik di dalam maupun di luar pengadilan and directly, both inside and outside of court, regarding
mengenai segala hal dan dalam segala kejadian, all matters and events, binding the Company to other
mengikat Perseroan dengan pihak lain dan pihak parties and vice versa, as well as carrying out all
lain dengan Perseroan, serta menjalankan segala actions related to both management and ownership,
tindakan, baik yang mengenai kepengurusan maupun with limitations.
kepemilikan, dengan pembatasan;
23. Dalam menjalankan tugas dan tanggung jawab atas 23. In carrying out its management duties and
pengurusan Perseroan, Direksi wajib menyelenggarakan responsibilities, the Board of Directors must hold the
RUPS Tahunan dan RUPS Lainnya sebagaimana diatur Annual General Meeting of Shareholders (AGMS) and
dalam peraturan perundang-undangan dan anggaran other General Meetings of Shareholders as required by
dasar; dan applicable laws and the Articles of Association; and
24. Setiap anggota Direksi wajib melaksanakan tugas dan 24. Each member of the Board of Directors must perform
tanggung jawab dengan itikad baik, penuh tanggung their duties and responsibilities in good faith, with full
jawab, dan kehati-hatian. accountability, and with caution.
Wewenang Direksi
The Authorities of the Board of Directors
Direksi memiliki wewenang untuk menetapkan kebijakan The Board of Directors has the authority to establish
mengenai pengelolaan Perseroan, yang meliputi: policies regarding the management of the Company,
which includes:
1. Mengatur penyerahan kekuasaan Direksi untuk 1. To regulate the delegation of authority by the Board of
mewakili Perseroan di dalam dan di luar Pengadilan Directors to represent the Company both in and outside
kepada seorang atau beberapa orang anggota Direksi of court, to one or several appointed members of the
yang khusus ditunjuk untuk itu, atau kepada seorang Board of Directors, or to one or several employees
atau beberapa orang pekerja Perseroan baik sendiri- of the Company, either individually or collectively,
sendiri maupun bersama-sama, atau kepada orang or to other parties; and to regulate the delegation
lain, serta mengatur penyerahan kekuasaan Direksi of authority to represent the Company to Branch
untuk mewakili Perseroan kepada Kepala Cabang atau Heads or Representative Heads, both domestically
Kepala Perwakilan di dalam atau di luar negeri; and internationally;
2. Mengatur ketentuan-ketentuan tentang kepegawaian 2. To regulate provisions related to the Company’s
Perseroan, termasuk penetapan gaji, pensiun atau employment, including the determination of salaries,
jaminan hari tua, serta penghasilan lain bagi pekerja pensions or old-age benefits, and other earnings for the
Perseroan sesuai dengan peraturan perundang- Company’s employees in accordance with applicable
undangan yang berlaku dan keputusan Rapat Umum laws and the decisions of the General Meeting
Pemegang Saham; of Shareholders;
3. Mengangkat dan memberhentikan pekerja Perseroan 3. To appoint and dismiss the Company’s employees
berdasarkan peraturan kepegawaian Perseroan dan based on the Company’s employment regulations and
peraturan perundang-undangan yang berlaku; the prevailing labor laws;
4. Melakukan segala tindakan dan perbuatan lainnya 4. To take any actions and perform any other deeds
yang berkaitan dengan pengurusan maupun pemilikan related to the management and ownership of the
kekayaan Perseroan, mengikat Perseroan dengan Company’s assets, to bind the Company with other
pihak lain dan/atau pihak lain dengan Perseroan, serta parties and/or to bind other parties to the Company,
mewakili Perseroan di dalam dan di luar Pengadilan as well as to represent the Company in and outside of
tentang segala hal dan segala kejadian dengan court on all matters and events, subject to limitations
pembatasan-pembatasan yang diatur dalam peraturan as stipulated in the applicable laws, the Articles of
perundang-undangan, Anggaran Dasar, dan/atau Association, and/or the resolutions of the General
Keputusan Rapat Umum Pemegang Saham; Meeting of Shareholders;
5. Presiden Direktur berhak dan berwenang 5. The President Director has the right and authority to act
bertindak untuk dan atas nama Direksi serta sah for and on behalf of the Board of Directors and is duly
mewakili Perseroan; authorized to represent the Company;
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
6. Dalam hal Presiden Direktur tidak hadir atau 6. In the event the President Director is absent or unable
berhalangan karena sebab apapun juga, maka Presiden to attend for any reason, the President Director may
Direktur dapat menunjuk salah seorang anggota appoint another member of the Board of Directors to
Direksi lainnya untuk dan atas nama Direksi serta sah act for and on behalf of the Board of Directors and duly
mewakili Perseroan; represent the Company;
7. Dalam hal Presiden Direktur tidak melakukan 7. If the President Director does not make such an
penunjukan, maka salah seorang Direksi berhak dan appointment, any member of the Board of Directors
berwenang bertindak untuk dan atas nama Direksi has the right and authority to act for and on behalf
serta sah mewakili Perseroan berdasarkan penunjukan of the Board of Directors and duly represent the
dari Rapat Direksi; Company, based on an appointment by the Board of
Directors meeting;
8. Anggota Direksi tidak berwenang mewakili 8. A member of the Board of Directors is not authorized to
Perseroan apabila: represent the Company if:
a. Terjadi perkara di pengadilan antara Perseroan a. There is a legal dispute between the Company and
dengan anggota Direksi yang bersangkutan; atau the relevant member of the Board of Directors; or
b. Anggota Direksi yang bersangkutan mempunyai b. The relevant member of the Board of Directors has
benturan kepentingan dengan Perseroan. a conflict of interest with the Company.
9. Dalam hal terdapat keadaan sebagaimana dimaksud 9. In the event of circumstances as referred to in point 8,
pada poin 8, yang berhak mewakili Perseroan adalah: the party authorized to represent the Company is:
a. Anggota Direksi lainnya yang tidak mempunyai a. Another member of the Board of Directors who does
benturan kepentingan dengan Perseroan; not have a conflict of interest with the Company;
b. Dewan Komisaris dalam hal seluruh anggota b. The Board of Commissioners, if all members of the
Direksi mempunyai benturan kepentingan dengan Board of Directors have a conflict of interest with
Perseroan; atau the Company; or
c. Pihak lain yang ditunjuk oleh RUPS dalam c. Another party appointed by the GMS, if all
hal seluruh anggota Direksi atau Dewan members of the Board of Directors or the Board
Komisaris mempunyai benturan kepentingan of Commissioners have a conflict of interest with
dengan Perseroan. the Company.
10. Pembagian tugas dan wewenang setiap anggota 10. The allocation of duties and authority for each member
Direksi ditetapkan oleh RUPS. Dalam hal RUPS tidak of the Board of Directors shall be determined by the
menetapkan, maka pembagian tugas dan wewenang GMS. If the GMS does not determine it, the allocation
setiap anggota Direksi ditetapkan berdasarkan of duties and authority for each member of the Board
keputusan Rapat Direksi. of Directors shall be decided based on the resolution
of the Board of Directors meeting.
Wewenang Direksi yang Memerlukan Persetujuan Dewan Komisaris
The Board of Directors’ Authorities Requiring the Board of Commissioners’ Approval
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Board
Direksi memerlukan persetujuan tertulis dari Dewan of Directors requires written approval from the Board of
Komisaris dengan mematuhi peraturan perundang- Commissioners, in compliance with the applicable laws
undangan yang berlaku serta anggaran dasar Perseroan. and the company’s Articles of Association. The matters
Adapun hal-hal yang memerlukan persetujuan tersebut that require such approval include the following:
antara lain:
1. Membuka atau menutup kantor cabang, kantor 1. Opening or closing branch offices, representative
perwakilan, atau jaringan kantor lainnya di lokasi lain, offices, or other office networks at other locations,
baik di dalam maupun luar wilayah Republik Indonesia, both within and outside the territory of the Republic
yang ditetapkan oleh Direksi dengan persetujuan of Indonesia, as determined by the Board of Directors
Dewan Komisaris; with the approval of the Board of Commissioners;
2. Saham yang masih disimpan oleh Perseroan akan 2. Shares that are still held by the Company will be
dikeluarkan dengan persetujuan Rapat Umum issued with the approval of the General Meeting of
Pemegang Saham (RUPS). Syarat dan harga saham Shareholders (GMS). The terms and price of the shares
yang akan dikeluarkan ditentukan oleh Direksi setelah to be issued are determined by the Board of Directors,
mendapat persetujuan tertulis dari Dewan Komisaris; subject to prior written approval from the Board
of Commissioners;
3. Menyusun Rencana Jangka Panjang Perseroan 3. Preparing the Company’s Long-Term Plan (RJPP), Work
(RJPP), Rencana Kerja dan Anggaran Perseroan Plan and Budget (RKAP), and any amendments thereto,
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
(RKAP), serta perubahan-perubahannya, dan and submitting them to the Board of Commissioners
menyampaikannya kepada Dewan Komisaris untuk for approval;
mendapatkan persetujuan;
4. Meminjam atau meminjamkan uang atas nama 4. Borrowing or lending money on behalf of the
Perseroan (tidak termasuk pengambilan uang dari Company (excluding withdrawing money from the
Perseroan melalui pinjaman di Bank), dengan nilai yang Company through a bank loan), with the amount to be
telah atau akan ditentukan oleh Dewan Komisaris; determined by the Board of Commissioners;
5. Mengagunkan harta Perseroan dan memberikan 5. Pledging the Company’s assets and providing
jaminan dengan nilai yang melebihi batas yang telah guarantees with values exceeding the limits set or to
atau akan ditetapkan oleh Dewan Komisaris; be set by the Board of Commissioners;
6. Melepaskan aktiva tetap berupa tanah dan bangunan; 6. Disposing of fixed assets in the form of land
and buildings;
7. Menghapuskan aktiva tetap selain tanah dan 7. Disposing of fixed assets other than land and buildings,
bangunan, dengan nilai yang melebihi 25% (dua with an amount exceeding 25% (twenty-five percent) of
puluh lima persen) dari total nilai seluruh aktiva the total value of the Company’s non-consolidated fixed
tetap Perseroan non-konsolidasi berdasarkan assets based on the non-consolidated audited financial
laporan keuangan audit non-konsolidasi tahun buku statements of the previous fiscal year for the current
sebelumnya untuk keperluan tahun buku berjalan; fiscal year;
8. Menghapuskan piutang macet dengan nilai yang 8. Writing off bad debts with values exceeding the limits
melebihi batas yang telah atau akan ditetapkan oleh set or to be set by the Board of Commissioners;
Dewan Komisaris;
9. Mendirikan usaha baru atau berpartisipasi dalam 9. Establishing a new business or participating in another
perusahaan lain, baik di dalam maupun luar negeri, company, either domestically or internationally, which
yang tidak terkait dengan penyelamatan piutang sesuai is not related to debt recovery in accordance with
dengan ketentuan yang berlaku; applicable regulations;
10. Melakukan likuidasi, menutup, atau melepaskan 10. Liquidating, closing, or disposing of part or all of the
sebagian atau seluruh penyertaan pada perusahaan investments in another company, either domestically
lain, baik di dalam maupun luar negeri; or internationally;
11. Mengadakan kerja sama dengan badan usaha atau 11. Entering into partnerships with business entities
pihak di luar kegiatan usaha operasional Perseroan, or parties outside the operational activities of the
dalam bentuk kerja sama operasi, kontrak manajemen, Company, in the form of joint ventures, management
dan perjanjian lainnya yang memiliki sifat serupa, contracts, and other agreements of a similar nature,
dengan jangka waktu atau nilai yang melebihi batas with durations or values exceeding the limits set by the
yang telah ditetapkan oleh Dewan Komisaris. Board of Commissioners.
12. Penjualan saham yang masih disimpan (saham 12. The sale of shares held in custody (shares in portfolio)
dalam portepel) pada anak perusahaan Perseroan in the Company’s subsidiary that results in the
yang mengakibatkan kepemilikan Perseroan pada dilution of the Company’s ownership in the subsidiary,
perusahaan anak terdilusi, sehingga menyebabkan thereby causing the Company to lose control over
Perseroan kehilangan kendali atas anak the subsidiary;
perusahaan tersebut;
13. Melakukan tindakan yang termasuk dalam transaksi 13. Taking actions that are considered material
material sebagaimana ditetapkan oleh peraturan transactions as defined by regulations in the Capital
perundang-undangan di bidang Pasar Modal, dengan Market sector, with a specific value set by the Board
nilai tertentu yang ditetapkan oleh Dewan Komisaris, of Commissioners, except when such actions fall
kecuali jika tindakan tersebut termasuk dalam kategori under material transactions exempted by Capital
transaksi material yang dikecualikan oleh peraturan Market regulations;
Pasar Modal;
14. Mengubah struktur organisasi Perseroan di bawah 14. Changing the Company’s organizational structure under
Direksi, hingga tingkat grup (divisi); the Board of Directors, up to the group (division) level;
15. Penyampaian rencana kerja tahunan oleh Direksi yang 15. The submission of the annual work plan by the Board
wajib mendapatkan persetujuan dari Dewan Komisaris; of Directors, which must be approved by the Board
of Commissioners;
16. Pembagian dividen interim yang ditetapkan 16. The distribution of interim dividends, which is
berdasarkan keputusan Rapat Direksi, setelah determined based on a resolution of the Board of
memperoleh persetujuan Dewan Komisaris, dengan Directors, after obtaining approval from the Board of
memperhatikan proyeksi perolehan laba dan Commissioners, considering the projected profit and
kemampuan keuangan Perseroan. financial capability of the Company.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pembagian Tugas dan Tanggung Jawab Direksi
Segregation of Duties and Responsibilities of the Board of Directors
Perseroan mengatur pembagian tugas, fungsi, dan The Company regulates the division of duties, functions,
tanggung jawab masing-masing Direksi secara jelas dan and responsibilities of each member of the Board of
komprehensif, sesuai dengan keahlian dan bidangnya. Directors according to their expertise in a clear and
Pembagian tugas dan tanggung jawab ini bertujuan comprehensive manner. This segregation of duties and
untuk memastikan pelaksanaan serta kelangsungan responsibilities is designed to ensure the effective
pencapaian sasaran Perseroan di masa mendatang implementation and long-term sustainability of the
secara lebih efisien dan efektif. Pembagian tugas Direksi Company’s goals in a more efficient and effective way.
diatur berdasarkan Keputusan Sirkuler Direksi (Board Each member of the Board of Directors is assigned
of Directors Resolution) No. 001/2021 tanggal 11 specific responsibilities based on their respective areas of
Januari 2021 mengenai Pembagian Tugas dan Wewenang expertise. The duties and responsibilities of each member
Direksi, yang berlaku efektif sejak 13 November 2020, of the Board of Directors are outlined in the Board of
dan mengalami perubahan pada Keputusan Sirkuler Directors Resolution No. 001/2021, dated 11 January
Direksi (Board of Directors Resolution) No. 004/BoR/ 2021, regarding the Segregation of the Board of Directors’
CSG-ATPI/V/2022 tanggal 17 Mei 2022, yang mencakup Duties and Authorities, which has been effective since
hal-hal berikut: 13 November 2020, and amended by Board of Directors
Resolution No. 004/BoR/CSG-ATPI/V/2022, dated 17 May
2022, regarding the following:
• Penggabungan wewenang, tugas, dan tanggung • The merging of the authorities, duties, and
jawab Direktur Pemasaran Asuransi Minyak & Gas responsibilities of the Director of Oil & Gas Insurance
dan Direktur Pemasaran Asuransi Non-Minyak & Gas Marketing and the Director of Non-Oil & Gas Insurance
sebagaimana tercantum dalam BoR No. 001/2021, Marketing, as outlined in BoR No. 001/2021, to be
yang dialihkan kepada Direktur Pemasaran Asuransi; transferred to the Director of Insurance Marketing;
• Pembagian wewenang, tugas, dan tanggung jawab • The segregation of authorities, duties, and
Presiden Direktur. responsibilities of the President Director.
Adapun pembagian tugas dan wewenang masing-masing The division of duties and authorities of each member
Direksi, antara lain: of the Board of Directors includes, but is not limited to,
the following:
Nama Jabatan
Tugas dan Tanggung Jawab Duties and Responsibilities
Name Position
Tatang Nurhidayat Presiden Direktur Presiden Direktur memiliki wewenang, The President Director holds the authority,
President Director tugas, dan tanggung jawab dalam kegiatan duties, and responsibilities in the Company’s
Perseroan, yang mencakup, namun tidak activities, including but not limited to:
terbatas pada:
1. Bertindak untuk dan atas nama Direksi 1. Acting for and on behalf of the Board of
serta mewakili Perseroan. Directors and representing the Company.
2. Menyusun kebijakan, rencana, dan 2. Formulating policies, plans, and work
program kerja Perseroan secara umum, programs for the Company in general, as
termasuk hal-hal yang bersifat strategis. well as other strategic matters.
3. Membuat dan menyatakan Keputusan 3. Preparing and declaring the Shareholders’
Pemegang Saham dalam akta notaris. Resolutions in a notarial deed.
4. Menandatangani seluruh dokumen- 4. Signing all Company documents in
dokumen Perseroan sesuai dengan accordance with applicable regulations.
ketentuan yang berlaku.
5. Memberikan sebagian kewenangannya 5. Delegating part of their authority and/or
dan/atau memberikan kuasa kepada granting power of attorney to employees
karyawan yang berada di Direktorat di within the Directorate.
bawahnya.
6. Melaksanakan hal-hal yang diatur dalam 6. Carrying out tasks as specified in the
Anggaran Dasar serta ketentuan yang Articles of Association and applicable
berlaku. regulations.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan
Tugas dan Tanggung Jawab Duties and Responsibilities
Name Position
Emil Hakim Direktur Keuangan & Direktur Keuangan dan Layanan Korporat The Director of Finance and Corporate
Layanan Korporat memiliki wewenang, tugas, dan tanggung Services holds the authority, duties,
Finance & Corporate jawab terkait aktivitas keuangan dan layanan and responsibilities related to financial
Service Director korporat, serta hal-hal yang berada dalam activities and corporate services, as well as
Direktorat di bawahnya, termasuk namun tidak matters within the Directorate under their
terbatas pada: responsibility, including but not limited to:
1. Bertindak untuk dan atas nama Direksi 1. Acting for and on behalf of the Board of
serta mewakili Perseroan terkait aktivitas/ Directors and representing the Company
kegiatan Keuangan. in relation to financial activities.
2. Menyusun kebijakan, rencana, dan 2. Developing policies, plans, and work
program kerja. programs.
3. Membuat dan menandatangani dokumen- 3. Preparing and signing documents
dokumen yang berkaitan dengan aktivitas related to financial activities, as well as
keuangan, serta aktivitas yang berada activities within the Directorate under
dalam Direktorat di bawahnya, seperti: their responsibility, such as: signing
menandatangani dokumen-dokumen agreements related to banking facilities,
perjanjian terkait fasilitas perbankan, signing pledge/fiduciary deed agreements,
menandatangani akta gadai/fidusia, serta as well as agreements related to other
perjanjian terkait aktivitas keuangan financial activities, correspondence,
lainnya, surat menyurat, memo, dan memos, and other documents related to
dokumen lainnya yang berkaitan dengan the Company’s financial activities.
aktivitas keuangan Perseroan.
4. Memberikan sebagian kewenangannya 4. Delegating part of their authority and/or
dan/atau memberikan kuasa kepada granting power of attorney to employees
karyawan yang berada di Direktorat di within the Directorate.
bawahnya.
5. Melaksanakan hal-hal yang diatur dalam 5. Carrying out tasks as regulated in the
Anggaran Dasar dan ketentuan yang Articles of Association and applicable
berlaku. regulations.
Ery Widiatmoko Direktur Pemasaran Direktur Pemasaran Asuransi memiliki The Director of Insurance Marketing holds
Asuransi wewenang, tugas, dan tanggung jawab terkait the authority, duties, and responsibilities
Insurance Marketing aktivitas pemasaran serta hal-hal lainnya related to marketing activities, as well as other
Director yang berada dalam Direktorat di bawahnya, matters within the Directorate under their
termasuk namun tidak terbatas pada: responsibility, including but not limited to:
1. Bertindak untuk dan atas nama Direksi 1. Acting for and on behalf of the Board of
serta mewakili Perseroan terkait aktivitas/ Directors and representing the Company
kegiatan pemasaran. in relation to marketing activities.
2. Menyusun kebijakan, rencana, dan 2. Developing policies, plans, and work
program kerja. programs.
3. Membuat dan menandatangani dokumen- 3. Preparing and signing documents
dokumen yang berkaitan dengan aktivitas related to insurance marketing activities,
pemasaran serta hal-hal lainnya yang as well as other matters within the
berada dalam Direktorat di bawahnya, Directorate under their responsibility,
seperti: perjanjian (termasuk perjanjian such as: agreements (including Fiduciary
fidusia), dokumen-dokumen tender, surat Agreements), tender documents,
menyurat, memo, persetujuan terkait correspondence, memos, approvals
aktivitas pemasaran, serta dokumen related to marketing activities, and other
lainnya. relevant documents.
4. Memberikan sebagian kewenangannya 4. Delegating part of their authority and/or
dan/atau memberikan kuasa kepada granting power of attorney to employees
karyawan yang berada di Direktorat di within the Directorate.
bawahnya.
5. Melaksanakan hal-hal yang diatur dalam 5. Carrying out tasks as regulated in the
Anggaran Dasar dan ketentuan yang Articles of Association and applicable
berlaku. regulations.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan
Tugas dan Tanggung Jawab Duties and Responsibilities
Name Position
Sudarlin Direktur Teknik Direktur Teknik memiliki wewenang, tugas, dan The Technical Director has the authorities,
Technical Director tanggung jawab terkait aktivitas teknik, serta duties and responsibilities related to technical
hal-hal lainnya yang berada dalam Direktorat activities, as well as other matters within
di bawahnya, termasuk namun tidak terbatas the Directorate under him, including but not
pada: limited to:
1. Bertindak untuk dan atas nama Direksi 1. Act for and on behalf of the Board of
serta mewakili Perseroan terkait aktivitas/ Directors and representing the Company
kegiatan Teknik. in relation to technical activities.
2. Menyusun kebijakan, rencana, dan 2. Develop policies, plans and work
program kerja. programs.
3. Membuat dan menandatangani dokumen- 3. Prepare and sign documents related
dokumen yang berkaitan dengan aktivitas to Technical activities and activities
Teknik dan aktivitas yang berada dalam within the Directorate under it, such
Direktorat di bawahnya, seperti: perjanjian, as: agreements, correspondence,
surat menyurat, memo, dokumen memos, approval documents, and other
persetujuan, serta dokumen lainnya. documents.
4. Memberikan sebagian kewenangannya 4. Grant part of their authority and/or
dan/atau memberikan kuasa kepada give proxy to the employees under the
karyawan yang berada di Direktorat di Directorate.
bawahnya.
5. Melaksanakan hal-hal yang diatur dalam 5. Perform tasks as regulated in the Articles
Anggaran Dasar dan ketentuan yang of Association and applicable regulations.
berlaku.
Edi Yoga Prasetyo Direktur Kepatuhan Secara umum, wewenang, tugas, dan tanggung In general, the authorities, duties and
dan Manajemen jawab Direktur Kepatuhan & Manajemen Risiko responsibilities of the Director of Compliance
Risiko termasuk namun tidak terbatas pada: & Risk Management includes but are not
Compliance & Risk limited to:
Management Director 1. Bertindak untuk dan atas nama Direksi 1. Act for and on behalf of the Board of
serta mewakili Perseroan terkait aktivitas/ Directors and representing the Company
kegiatan kepatuhan dan manajemen in relation to compliance and risk
risiko. management activities.
2. Menyusun kebijakan, rencana, dan 2. Formulate policies, plans and work
program kerja. programs.
3. Membuat dan menandatangani dokumen- 3. Prepare and sign documents related
dokumen yang berkaitan dengan aktivitas to compliance and risk management
kepatuhan dan manajemen risiko, activities, as well as other matters
serta hal-hal lainnya yang berada dalam within the Directorate under it, such as:
Direktorat di bawahnya, seperti: perjanjian, agreements, correspondence, memos and
surat menyurat, memo, dan dokumen other documents.
lainnya.
4. Memberikan sebagian kewenangannya 4. Grant part of their authority and/or
dan/atau memberikan kuasa kepada give proxy to the employees under the
karyawan yang berada di Direktorat di Directorate.
bawahnya.
5. Melaksanakan hal-hal yang diatur dalam 5. Perform tasks as regulated in the Articles
Anggaran Dasar dan ketentuan yang of Association and applicable regulations.
berlaku.
Rapat Tingkat Kehadiran Direksi
The Board of Directors Meeting and Meeting Attendance Rate
Ketentuan Rapat Direksi The Board of Directors Meeting Provisions
Dasar hukum atas pelaksanaan Rapat Direksi, antara lain: The legal basis for the implementation of the Board of
Directors’ meetings includes, but is not limited to:
1. Board Manual, yang mengatur bahwa Rapat Direksi 1. The Board Manual, which stipulates that Tugu
Tugu Insurance diadakan minimal sekali dalam sebulan Insurance’s Board of Directors meetings are held
atau dapat diadakan kapan saja apabila dianggap at least once a month or may be held at any time if
perlu oleh satu atau lebih anggota Direksi, atau atas deemed necessary by one or more members of the
permintaan tertulis dari satu atau lebih anggota Dewan Board of Directors, or upon written request by one
Komisaris, atau atas permintaan tertulis dari satu or more members of the Board of Commissioners,
(1) Pemegang Saham atau lebih yang bersama-sama or upon written request from one (1) or more
mewakili 1/10 (satu persepuluh) bagian dari jumlah Shareholders collectively representing 1/10 (one-tenth)
seluruh saham dengan hak suara yang sah; of the total shares with valid voting rights;
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Corporate Social Responsibility 07 Laporan Keuangan
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2. Berdasarkan POJK No. 33/POJK.04/2014 tentang 2. POJK No. 33/POJK.04/2014 regarding the Board of
Direksi dan Dewan Komisaris Emiten atau Perusahaan Directors and the Board of Commissioners of Issuers
Publik dan Anggaran Dasar, yang menyatakan bahwa or Public Companies and the Articles of Association,
Direksi wajib mengadakan rapat Direksi secara berkala which mandates that the Board of Directors hold
paling kurang satu (1) kali dalam setiap bulan, dan periodic meetings at least once (1) a month, and
rapat Direksi bersama Dewan Komisaris secara berkala that the Board of Directors meet with the Board of
paling kurang satu (1) kali dalam empat (4) bulan; dan Commissioners periodically at least once (1) every four
(4) months; and
3. Berdasarkan POJK No. 73/POJK.05/2016 tentang 3. POJK No. 73/POJK.05/2016 concerning Good
Tata Kelola Perusahaan yang Baik bagi Perusahaan Corporate Governance for Insurance Companies,
Perasuransian, yang mewajibkan Direksi perusahaan which requires the company’s Board of Directors to
untuk menyelenggarakan rapat Direksi secara berkala hold periodic meetings at least once (1) a month, and
paling sedikit satu (1) kali dalam sebulan dan rapat that meetings between the Board of Directors and the
Direksi bersama Dewan Komisaris paling sedikit empat Board of Commissioners occur at least four (4) times
(4) kali dalam setahun. per year.
Pelaksanaan Rapat Direksi dipimpin oleh Presiden The Board of Directors’ meeting is chaired by the President
Direktur. Apabila Presiden Direktur tidak dapat hadir Director. In the event that the President Director is unable
atau berhalangan, yang tidak perlu dibuktikan kepada to attend the meeting, and this does not need to be
pihak ketiga, maka Rapat Direksi akan dipimpin oleh proven to a third party, the meeting shall be chaired by
seorang anggota Direksi yang dipilih dari dan oleh Direksi a member of the Board of Directors who is elected by
yang hadir. Hasil Rapat Direksi wajib dituangkan dalam and from among the Directors present. The results of
risalah rapat yang didokumentasikan dengan baik. Setiap the meeting must be documented in the minutes and
perbedaan pendapat yang muncul dalam keputusan Rapat properly recorded. Any dissenting opinions raised during
Direksi harus dicatat secara jelas dalam risalah rapat, the decision-making process of the Board of Directors’
disertai dengan alasan perbedaan pendapat tersebut. meeting must be clearly stated in the minutes, along with
the reasons for the dissent.
Hingga akhir tahun 2024, Direksi telah melaksanakan By the end of 2024, the Board of Directors had conducted
Rapat Direksi sebanyak 28 kali dan Rapat Gabungan 28 Board of Directors Meetings and 10 Joint Meetings
dengan Dewan Komisaris sebanyak 10 kali. Adapun jumlah with the Board of Commissioners. The number of Board
Rapat Direksi serta kehadiran masing-masing anggota of Directors Meetings held and the attendance of each
Direksi dalam Rapat sepanjang tahun 2024 adalah member throughout 2024 are as follows:
sebagai berikut:
Persentase Tingkat
Nama Direksi Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name of Board of Directors Total Meetings Total Attendance
Attendance Rate in %
Tatang Nurhidayat 28 27 96%
Emil Hakim 28 28 100%
Ery Widiatmoko 28 26 93%
Edi Yoga Prasetyo 25 25 100%
Sudarlin 28 26 93%
Jumlah Rapat dan Kehadiran Direksi dalam Rapat Komisaris Mengundang Direksi Tahun 2024
Total Meeting and Attendance of Board of Directors in Joint Meeting with the Board of Commissioners in 2024
Persentase Tingkat
Nama Direksi Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name of Board of Directors Total Meetings Total Attendance
Attendance Rate in %
Tatang Nurhidayat 10 10 100%
Emil Hakim 10 9 90%
Ery Widiatmoko 10 10 100%
Edi Yoga Prasetyo 10 10 100%
Sudarlin 10 10 100%
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kehadiran Direksi pada RUPS Tahunan
The Board of Directors Attendance in Annual GMS
Nama Dewan Komisaris Jabatan Kehadiran pada RUPS 29 April 2024
Name of Board of Commissioners Position Attendance at Annual GMS on 29 April 2024
Tatang Nurhidayat Presiden Direktur Hadir
President Director Present
Emil Hakim Direktur Keuangan & Layanan Korporat Hadir
Finance & Corporate Service Director Present
Ery Widiatmoko Direktur Pemasaran Asuransi Hadir
Insurance Marketing Director Present
Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Hadir
Compliance & Risk Management Director Present
Sudarlin Direktur Teknik Hadir
Technical Director Present
Pelatihan dan/atau Peningkatan Kompetensi Anggota Direksi
Training and/or Competence Improvement of the Board of Directors
Program Pelatihan/Orientasi Anggota Direksi yang Training/Orientation Program of Newly Appointed
Baru Diangkat Member of Board of Directors
Perseroan memiliki program orientasi bagi Direksi yang The Company has an orientation program for newly
baru diangkat untuk memberikan pemahaman tentang appointed Directors to provide them with knowledge about
Perseroan. Program ini bertujuan agar Direksi yang baru the Company. The program aims to help them understand
dapat memahami tugas, tanggung jawab, dan proses their duties and responsibilities as members of the Board
bisnis Perseroan, serta dapat bekerja selaras dengan of Directors, the Company’s business processes, and to
Organ Perseroan lainnya. Pelaksanaan program orientasi ensure they work in harmony with the other organs of the
bagi Direksi yang baru diangkat dilaksanakan oleh fungsi Company. The orientation program for newly appointed
Sekretaris Perusahaan. Directors is conducted by the Corporate Secretary function.
Pada tahun 2024, tidak ada anggota Direksi baru yang In 2024, there were no new members appointed to the
diangkat, sehingga Perseroan tidak melaksanakan program Board of Directors; therefore, the Company did not conduct
orientasi bagi Direksi baru. an orientation program for new Directors.
Peningkatan Kompetensi Anggota Direksi Competency Enhancement of the Board of
Tugu Insurance menempatkan anggota Direksi sebagai Directors
salah satu aset utama yang memiliki peranan penting bagi Tugu Insurance considers its members of the Board of
Perseroan. Secara konsisten, Perseroan menyelenggarakan Directors as one of the Company’s key assets, playing an
program peningkatan kompetensi untuk anggota Direksi important role in its success. To ensure the Board stays
agar mereka dapat memperbaharui informasi tentang updated on the latest developments in the Company’s
perkembangan terkini dari Core Business dan peraturan core business and applicable laws and regulations, Tugu
perundang-undangan yang berlaku. Insurance organizes competency enhancement programs
for the Board of Directors.
Ketentuan-ketentuan tentang program peningkatan The provisions regarding the competency enhancement
kompetensi bagi Direksi adalah sebagai berikut: program for the Board of Directors are as follows:
1. Program peningkatan kompetensi dilaksanakan untuk 1. The competency enhancement program is conducted to
meningkatkan efektivitas kerja Direksi; improve the effectiveness of the Board’s work;
2. Rencana pelaksanaan program peningkatan 2. The plan to implement the competency enhancement
kompetensi harus dimasukkan dalam rencana kerja program must be included in the Board of Directors’
dan anggaran Direksi; work plan and budget;
3. Setiap anggota Direksi yang mengikuti program 3. Each member of the Board of Directors who
peningkatan kompetensi, seperti seminar dan/atau participates in the competency enhancement program,
pelatihan, diminta untuk menyajikan presentasi kepada such as seminars and/or training, is required to
anggota Direksi lainnya guna berbagi informasi dan present to the other Board members in order to share
pengetahuan; dan information and knowledge; and
4. Anggota Direksi yang bersangkutan wajib membuat 4. The concerned Board member must prepare a
laporan mengenai pelaksanaan Program Peningkatan report on the implementation of the competency
Kompetensi dan menyampaikannya kepada Direksi. enhancement program and submit it to the Board
of Directors.
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Audited Report
Adapun program peningkatan kompetensi yang diikuti The competency enhancement programs attended by the
anggota Direksi sepanjang tahun 2024, sebagai berikut: Board of Directors throughout 2024 are as follows:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Tatang Nurhidayat Presiden Direktur 16 Juli Jakarta Sosialisasi Anti Fraud & Whistleblowing Tugu Institute
President Director 2024 System
16 July
2024 Anti-Fraud & Whistleblowing System
Socialization
26 Jakarta Sosialisasi dan Pelatihan Implementasi Tugu Institute
Agustus Strategy and Service Blue Print untuk
2024 Manajemen
26 August
2024 Socialization and Training on the
Implementation of Strategy and Service
Blueprint for Management
4 Singapur 20th Singapore International Insurance Singapore
November Singapore Conference Reinsurance
2024 Association
4
November
2024
21 Jakarta Pemantapan Nilai-Nilai Kebangsaan Pertamina
Oktober
2024 Strengthening of National Values
21
October
2024
Emil Hakim Direktur Keuangan & 26 Jakarta Sosialisasi dan Pelatihan Implementasi Tugu Institute
Layanan Korporat Agustus Strategy and Service Blue Print Untuk
Finance & Corporate 2024 Manajemen
Service Director 26 August
2024 Socialization and Training on the
Implementation of Strategy and Service
Blueprint for Management
Ery Widiatmoko Direktur Pemasaran 26 Jakarta Sosialisasi dan Pelatihan Implementasi Tugu Institute
Asuransi Agustus Strategy and Service Blue Print Untuk
Insurance Marketing 2024 Manajemen
Director 26 August
2024 Socialization and Training on the
Implementation of Strategy and Service
Blueprint for Management
Edi Yoga Prasetyo Direktur Kepatuhan & 26 Jakarta Sosialisasi dan Pelatihan Implementasi Tugu Institute
Manajemen Risiko Agustus Strategy and Service Blue Print Untuk
Compliance & Risk 2024 Manajemen
Management Director 26 August
2024 Socialization and Training on the
Implementation of Strategy and Service
Blueprint for Management
22 Jakarta Insurance Summit AAUI
September
2024
22
September
2024
26 Jakarta Pelatihan dan Uji Profesi Ajun Ahli IIS
November Asuransi Syariah-Program Khusus
2024
26 Training and Professional Certification
November Exam for Associate Expert in Sharia
2024 Insurance – Special Program
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Sudarlin Direktur Teknik 26 Jakarta Sosialisasi dan Pelatihan Implementasi Tugu Institute
Technical Director Agustus Strategy and Service Blue Print Untuk
2024 Manajemen
26 August
2024 Socialization and Training on the
Implementation of Strategy and Service
Blueprint for Management
24 Hong Kong 30th East Asian Insurance Congress The Hong Kong
September (EAIC) Federation of Insurers
2024 (HKFI)
24
September
2024
4 Singapur 20th Singapore International Insurance Singapore
November Singapore Conference Reinsurance
2024 Association
4
November
2024
Penilaian Kinerja Komite-komite di Bawah Direksi
Performance Assessment of Committee under the Board of Directors
Pada tahun 2024, Direksi menilai bahwa Komite Investasi, In 2024, the Board of Directors assessed that the
Komite Manajemen Risiko, dan Komite Pengarah Teknologi Investment Committee, Risk Management Committee,
Informasi telah melaksanakan tugas dan tanggung and Information Technology Steering Committee have
jawabnya dengan baik. Penilaian ini didasarkan pada effectively carried out their duties and responsibilities.
kinerja Komite-komite tersebut yang diukur menggunakan This assessment is based on the Board’s evaluation
Key Performance Indicator (KPI), yang mencakup beberapa of these Committees’ performance using Key
indikator penilaian berikut: Performance Indicators (KPIs), which include the following
assessment criteria:
1. Realisasi jumlah pelaksanaan Rapat Komite dan 1. The realization of the total number of Committee
Rencana Kerja; meetings held and work plans implemented;
2. Penilaian terhadap tingkat kehadiran dan partisipasi 2. Attendance rates and participation levels in
dalam Rapat; the meetings;
3. Penyampaian hasil reviu kepada Direksi; 3. Submission of review results to the Board
of Commissioners;
4. Pembuatan dan penyampaian Laporan Komite yang 4. Timely preparation and submission of
tepat waktu. Committee reports.
Direksi menilai bahwa Komite Investasi, Komite The Board of Directors concluded that the Investment
Manajemen Risiko, dan Komite Pengarah Teknologi Committee, Risk Management Committee, and Information
Informasi telah menunjukkan kinerja yang baik dalam Technology Steering Committee have performed well
menjalankan tugas dan tanggung jawabnya pada in fulfilling their respective duties and responsibilities
tahun 2024. Penilaian ini didasarkan pada realisasi in 2024. This conclusion is based on the completion
pemenuhan tugas masing-masing Komite, kompetensi of each Committee’s tasks, the competence and
dan keterampilan anggota, serta tingkat kehadiran skills of the members, and the level of attendance at
mereka dalam Rapat Komite. Direksi juga menilai bahwa Committee meetings. The Board also assessed that
Komite-komite tersebut telah bekerja secara efektif these Committees have worked effectively, providing
dan memberikan kontribusi serta rekomendasi yang valuable contributions and recommendations that support
mendukung Direksi dalam melaksanakan tugas dan the Board of Directors in managing the Company in
tanggung jawab pengelolaan perusahaan sesuai dengan accordance with the Articles of Association and applicable
Anggaran Dasar dan peraturan perundang-undangan laws and regulations.
yang berlaku.
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Audited Report
3.D
Transparansi Informasi
tentang Dewan Komisaris dan Direksi
Information Transparency about the Directors
and the Board of Commissioners
Penilaian Kinerja Dewan Komisaris
The Board of Commissioners’ Performance Assessment
Perseroan melakukan evaluasi kinerja Dewan Komisaris The Company evaluates the performance of the Board
melalui Key Performance Indicators (KPI) yang disusun of Commissioners using Key Performance Indicators
secara bersama-sama. KPI ini disusun berdasarkan (KPIs) that are developed collaboratively. These KPIs
Rencana Jangka Panjang Perusahaan (RJPP) dan Rencana are based on the Company’s Long-Term Corporate Plan
Kerja dan Anggaran Perusahaan (RKAP), yang disepakati (RJPP) and Annual Work Plan and Budget (RKAP), which
bersama oleh manajemen dengan memperhatikan visi are agreed upon by the management, taking into account
dan misi Perusahaan, serta masukan dan arahan dari the Company’s vision and mission, as well as input
Pemegang Saham dalam Rapat Umum Pemegang Saham and direction from the Shareholders during the General
(RUPS). Meeting of Shareholders (GMS).
Prosedur Pelaksanaan Penilaian Kinerja Dewan Procedure of the Board of Commissioners’
Komisaris Performance Assessment
Pemegang Saham dalam Rapat Umum Pemegang Saham Shareholders have the right to evaluate the performance
(RUPS) berhak untuk melakukan evaluasi atas kinerja of the Board of Commissioners annually through the
Dewan Komisaris setiap tahunnya. Penilaian kinerja Dewan General Meeting of Shareholders (GMS). The performance
Komisaris dilakukan melalui sistem self-assessment oleh assessment of the Board of Commissioners is carried
Dewan Komisaris. Selanjutnya, sistem penilaian kinerja ini out using a self-assessment system by the Board of
akan dievaluasi oleh Pemegang Saham dalam RUPS. Commissioners. This performance assessment system will
then be evaluated by the Shareholders in the GMS.
Kriteria Penilaian Kinerja Dewan Komisaris Board of Commissioners’ Performance Assessment
Criteria
Secara umum, penilaian kinerja anggota Dewan Komisaris In general, the performance assessment of the members
ditentukan berdasarkan tugas dan tanggung jawab of the Board of Commissioners is determined based
yang tercantum dalam peraturan perundang-undangan on their duties and responsibilities as outlined in the
yang berlaku, Anggaran Dasar Perusahaan, dan amanat applicable laws and regulations, the Company’s Articles of
pemegang saham. Association, and the shareholders’ mandate.
Penilaian kinerja Dewan Komisaris dilakukan berdasarkan The performance assessment of the Board of
pencapaian Key Performance Indicators (KPI) serta Commissioners is conducted based on the achievement
memperhatikan hasil survei perilaku AKHLAK (Amanah, of Key Performance Indicators (KPI) and by taking into
Kompeten, Harmonis, Loyal, Adaptif, dan Kolaboratif). account the AKHLAK (Amanah, Kompeten, Harmonis,
KPI merupakan ukuran untuk menilai keberhasilan Loyal, Adaptif, and Kolaboratif) behavior survey. The KPI
pelaksanaan tugas dan tanggung jawab Dewan Komisaris serves as an assessment measure of the successful
dalam melakukan pengawasan dan memberikan nasihat. implementation of the supervisory and advisory duties and
responsibilities of the Board of Commissioners.
Aspek yang dinilai dalam KPI Dewan Komisaris untuk The aspects assessed in the KPI for the Board of
tahun 2024 mencakup empat aspek utama, yaitu: Aspek Commissioners in 2024 include Planning aspect, Task
perencanaan, Aspek pelaksanaan tugas, Aspek pelaporan, execution aspect, Reporting aspect, and Dynamic aspect.
dan Aspek dinamis.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 261
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Penilaian Kinerja Masing-masing Anggota Dewan Komisaris
Performance Assessment of Each Member of the Board of Commissioners
Nama Dewan
Komisaris Jabatan Pencapaian Kinerja 2024
Name of Board of Position Achievement in 2024
Commissioners
Abdul Ghofar 1) Presiden Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai
& Komisaris Board Manual dan KPI yang telah ditetapkan.
Independen • Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
President • Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Commissioner Mengundang Direksi adalah 100%.
& Independent
Commissioner • Has carried out duties and responsibilities as an Independent Commissioner in accordance
with the Board Manual and established KPIs.
• Possesses the competencies that align with the scope of duties and responsibilities.
• Attendance in Board of Commissioners meetings was 100%, and in Board of
Commissioners meetings with the Board of Directors, the attendance was also 100%.
Bagus Agung Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai
Rahadiansyah Commissioner Board Manual dan KPI yang telah ditetapkan.
• Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
• Kehadiran dalam Rapat Dewan Komisaris adalah 94% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as an Independent Commissioner in accordance
with the Board Manual and established KPIs.
• Possesses the competencies that align with the scope of duties and responsibilities.
• Attendance in Board of Commissioners meetings was 94%, and in Board of Commissioners
meetings with the Board of Directors, the attendance was 100%.
Samuel Ramna Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai
Commissioner Board Manual dan KPI yang telah ditetapkan.
• Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
• Kehadiran dalam Rapat Dewan Komisaris adalah 83% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 80%.
• Has carried out duties and responsibilities as an Independent Commissioner in accordance
with the Board Manual and established KPIs.
• Possesses the competencies that align with the scope of duties and responsibilities.
• Attendance in Board of Commissioners meetings was 83%, and in Board of Commissioners
meetings with the Board of Directors, the attendance was 80%.
Poerwo Tjahjono Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai
Independen Board Manual dan KPI yang telah ditetapkan.
Independent • Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
Commissioner • Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as an Independent Commissioner in accordance
with the Board Manual and established KPIs.
• Possesses the competencies that align with the scope of duties and responsibilities.
• Attendance in Board of Commissioners meetings was 100%, and in Board of
Commissioners meetings with the Board of Directors, the attendance was 100%.
Tajudin Noor 2) Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai
Independen Board Manual dan KPI yang telah ditetapkan.
Independent • Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
Commissioner • Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as an Independent Commissioner in accordance
with the Board Manual and established KPIs.
• Possesses the competencies that align with the scope of duties and responsibilities.
• Attendance in Board of Commissioners meetings was 100%, and in Board of
Commissioners meetings with the Board of Directors, the attendance was 100%.
1)
Diangkat oleh RUPST pada tanggal 29 April 2024 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 3 Desember 2024
Appointed by the AGMS on 29 April 2024, and officially assumed office following the fit and proper test approval from OJK on 3 December 2024
2)
Diangkat oleh RUPST pada tanggal 28 April 2023 dan sudah efektif menjabat sesuai hasil kelulusan fit and proper test dari OJK tanggal 18 Januari 2024
Appointed by the AGMS on 28 April 2023, and officially assumed office following the fit and proper test approval from OJK on 18 January 2024
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pihak yang Melakukan Penilaian Kinerja Dewan The Party Conducting the Board of Commissioners’
Komisaris Performance Assessment
Pihak yang bertanggung jawab untuk melakukan penilaian The party responsible for conducting the performance
kinerja Dewan Komisaris adalah Pemegang Saham assessment of the Board of Commissioners is the
dalam Rapat Umum Pemegang Saham atau dalam Shareholders at the General Meeting of Shareholders
Rapat Pemegang Saham Pengendali. Penilaian kinerja (GMS) or at the Meeting of the Controlling Shareholder.
ini dilakukan berdasarkan hasil self-assessment yang This performance assessment is based on the self-
disampaikan oleh Dewan Komisaris. Hasil evaluasi kinerja assessment results submitted by the Board of
tersebut juga berfungsi sebagai sarana untuk menilai serta Commissioners. The results of the performance evaluation
meningkatkan efektivitas Dewan Komisaris. also serve as a tool for evaluating and improving the
effectiveness of the Board of Commissioners.
Penilaian Kinerja Direksi
Assessment of the Board of Directors’ Performance
Perseroan melakukan penilaian kinerja Direksi melalui Key The Company assesses the performance of the Board
Performance Indicators (KPI) yang disusun secara kolegial. of Directors through Key Performance Indicators (KPIs),
KPI disusun berdasarkan Rencana Jangka Panjang which are prepared collectively. The KPIs are developed
Perusahaan (RJPP) dan Rencana Kerja dan Anggaran based on the Company’s Long-Term Corporate Plan (RJPP)
Perusahaan (RKAP), atas kesepakatan manajemen and Annual Work Plan and Budget (RKAP), in agreement
dengan memperhatikan visi dan misi Perusahaan serta with management, taking into account the Company’s
masukan/arahan Pemegang Saham dalam Rapat Umum vision and mission, as well as input and directions from
Pemegang Saham (RUPS). KPI mengukur capaian kinerja the Shareholders at the General Meeting of Shareholders
dan diturunkan kepada setiap anggota Direksi, dengan (GMS). KPIs measure performance achievements and
sasaran kinerja masing-masing, sehingga diharapkan are then cascaded down to each member of the Board
setiap anggota Direksi dapat berkontribusi untuk mencapai of Directors as their specific performance targets. This
kinerja Direksi secara berkesinambungan. approach is intended to ensure that each member of the
Board contributes to the overall performance of the Board
of Directors on a sustainable basis.
Untuk mencapai kinerja yang diinginkan sesuai dengan To meet these performance targets, each member of
target, setiap anggota Direksi menetapkan strategi-strategi the Board of Directors sets the strategies they will
yang akan ditempuh berdasarkan kondisi perkembangan pursue based on the Company’s development needs
dan kebutuhan Perseroan. Faktor-faktor Kunci Keberhasilan and conditions. The Critical Success Factors (CSFs) are
(Critical Success Factors) ditentukan berdasarkan kondisi determined by evaluating the Company’s situation from
Perseroan dari sisi pasar, operasional, dan faktor-faktor the perspectives of the market, operations, and other
penunjang lainnya. supporting factors.
Pihak yang Melakukan Penilaian Kinerja Direksi
Procedure of the Board of Directors’ Performance Assessment
1 3
Tahap Pertama: Tahap Kedua: Tahap Ketiga:
Pengukuran dan Evaluasi Pengesahan Laporan
Pelaporan Kerja Penilaian Kinerja Pencapaian Kinerja
First Stage: Second Stage: Third Stage:
Performance Measurement Performance Assessment Enactment of Performance
and Reporting Evaluation Achievement Report
2
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 263
Page 266
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tahap Pertama: Pengukuran dan Pelaporan Kinerja First Stage: Performance Measurement and Reporting
Direksi The Board of Directors evaluates the performance of
Direksi melakukan evaluasi terhadap kinerja masing- each Directorate and collegially based on the Company’s
masing Direktorat dan secara kolegial berdasarkan achievements according to the established timeline,
hasil pencapaian Perusahaan sesuai dengan timeline using methods that meet reliability and validity aspects.
yang ditetapkan, dengan metode yang memenuhi aspek In addition, the Company also measures the performance
reliabilitas dan validitas. Di samping itu, Perusahaan juga of the Board of Directors through a 360-degree
mengukur kinerja Direksi melalui penilaian penerapan assessment of the implementation of the AKHLAK
tata nilai budaya AKHLAK secara 360 derajat. Hasil cultural values. These results are then reported to the
ini kemudian dilaporkan kepada Dewan Komisaris dan Board of Commissioners and Shareholders for validation
Pemegang Saham untuk divalidasi dan disetujui. and approval.
Tahap Kedua: Evaluasi Penilaian Kinerja Second Stage: Performance Assessment Evaluation
Dewan Komisaris memberikan umpan balik setelah The Board of Commissioners provides feedback after
melakukan evaluasi terhadap Laporan Pencapaian Kinerja, evaluating the Performance Achievement Report, taking
dengan memperhatikan penerapan Tata Nilai Budaya into account the AKHLAK Cultural Values and offering
AKHLAK dan memberikan pendapat serta saran atas opinions and suggestions on performance achievements.
pencapaian kinerja, termasuk di dalamnya rekomendasi This includes recommendations for the Score or Final
Skor atau Nilai Akhir bagi masing-masing anggota Direksi. Score for each Director.
Tahap Ketiga: Pengesahan Laporan Pencapaian Kinerja Third Stage: Enactment of Performance Achievement
Report
Skor atau Nilai Prestasi Direksi disahkan pada The Directors’ Achievement Score or Value is approved
Performance Review, setelah sebelumnya dilakukan during the Performance Review, after evaluation and
evaluasi dan klarifikasi oleh Dewan Komisaris dan clarification by the Board of Commissioners and
Pemegang Saham terhadap Laporan Pencapaian Shareholders regarding the Company’s Performance
Kinerja Perusahaan. Achievement Report.
Kriteria Kinerja Direksi Board of Directors’ Performance Criteria
Kriteria kinerja Direksi yang disusun secara The Board of Directors’ performance criteria, which are
kolegial meliputi: determined collegially, include:
1. Rencana Kerja dan Anggaran Perusahaan (RKAP) tahun 1. The Company Work Plan and Budget (RKAP) for the
berjalan dan garis besar laporan kinerja keuangan, current year and an overview of financial performance
seperti: Laba Bersih, Overhead cost, EBITDA, RBC, reports, such as: Net Profit, Overhead Costs, EBITDA,
COR, dan realisasi investasi (ABI); RBC, COR, and investment realization (ABI);
2. Pencapaian program kerja Komite-komite dan fungsi- 2. Achievement of the work programs of the Committees
fungsi di bawah Direksi; and functions under the Board of Directors;
3. Pelaksanaan Program Strategic Initiatives; 3. Implementation of Strategic Initiative Programs;
4. Implementasi Tata Kelola Perusahaan yang Baik (GCG) 4. Implementation of Good Corporate Governance (GCG)
dan HSSE (Health, Safety, Security, and Environment); and HSSE (Health, Safety, Security, and Environment);
5. Ketaatan terhadap peraturan perundang-undangan 5. Compliance with applicable laws and regulations,
yang berlaku, Anggaran Dasar, ketentuan RUPS, serta the Articles of Association, provisions of the
kebijakan Perseroan; General Meeting of Shareholders (GMS), and the
Company’s policies;
6. Kontribusi dalam melaksanakan tugas dan tanggung 6. Contribution to fulfilling the duties and responsibilities
jawab pengurusan Perseroan; of the Company’s management;
7. Komitmen dalam memajukan kepentingan Perseroan; 7. Commitment to advancing the Company’s interests;
8. Tingkat kehadiran dalam Rapat Direksi, Rapat 8. Attendance rate at the Board of Directors meetings,
Gabungan Direksi dengan Dewan Komisaris, serta Joint Meetings of the Board of Directors with the Board
Rapat Direksi dengan Komite dan fungsi-fungsi di of Commissioners, and Board of Directors’ Meetings
bawah Direksi; dan with Committees and functions under the Board of
Directors; and
9. Optimalisasi pelaksanaan sinergi dalam 9. Optimization of synergies within Pertamina Group.
Pertamina Group.
264 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Kriteria kinerja secara kolegial tersebut kemudian The collegial performance criteria are cascaded down
diturunkan kepada masing-masing individu Direksi. Uraian to each individual member of the Board of Directors.
berikut ini menggambarkan fokus utama yang digunakan The following descriptions outline the main focus areas
untuk melakukan penilaian selain dari penilaian yang for conducting assessments, in addition to those
ditetapkan secara kolegial: established collegially:
Penilaian Kinerja Masing-masing Anggota Direksi Performance Assessment of the Board of Directors
Members
Informasi mengenai penilaian kinerja masing-masing The following table presents the performance assessment
anggota Direksi hingga akhir tahun 2024 dapat dilihat of each member of the Board of Directors until the end
sebagai berikut: of 2024:
Nama Direksi
Jabatan Pencapaian Kinerja 2024
Name of Board of
Position Achievement in 2024
Directors
Tatang Nurhidayat Presiden Direktur 1. Tercapainya target EBITDA sesuai RKAP tahun berjalan.
President Director 2. Tercapaunya target RBC sesuai RKAP tahun berjalan
3. Tercapainya peringkat Internasional AM Best A-
4. Terlaksananya Strategi Inisiatif dan Aksi Korporasi Perusahaan
1. Achievement of EBITDA target as per the current year's RKAP.
2. Achievement of RBC target as per the current year's RKAP.
3. Achievement of AM Best A- international rating.
4. Implementation of the Company's Strategic Initiatives and Corporate Actions.
Emil Hakim Direktur Keuangan & 1. Tercapainya rasio keuangan sesuai RKAP tahun berjalan
Layanan Korporat 2. Terlaksananya Integrasi Sistem Keuangan untuk Persiapan Penerapan PSAK 117
Finance & Corporate 3. Tercapainya tenggat waktu penyampaian Laporan Keuangan ke Regulator
Service Director
1. Achievement of financial ratio targets as per the current year's RKAP.
2. Implementation of Financial System Integration for the Preparation of PSAK 117
Adoption.
3. Timely submission of Financial Reports to the Regulator.
Ery Widiatmoko Direktur Pemasaran 1. Tercapainya Premi Bruto sesuai RKAP tahun berjalan.
Asuransi 2. Tercapainya target pertumbuhan bisnis non captive.
Insurance Marketing 3. Tercapainya indeks Customer Satisfaction & indeks Loyalty sesuai target.
Director
1. Achievement of Gross Premium in accordance with the current year's RKAP.
2. Achievement of the target growth for non-captive business.
3. Achievement of Customer Satisfaction Index & Loyalty Index as per the target.
Edi Yoga Prasetyo Direktur Kepatuhan & 1. Tercapainya tenggat waktu penyampaian laporan kepatuhan kepada regulator.
Manajemen Risiko 2. Tercapainya implementasi GCG sesuai target.
Compliance & Risk 3. Tercapainya peringkat komposit pengelolaan risiko perusahaan sesuai target.
Management Director
1. Timely submission of compliance reports to the regulator.
2. Successful implementation of GCG as per the target.
3. Achievement of the company's composite risk management rating as per the target.
Sudarlin Direktur Teknik 1. Tercapainya hasil underwriting sesuai RKAP tahun berjalan.
Technical Director 2. Tercapainya loss ratio sesuai RKAP tahun berjalan.
3. Tercapainya indeks customer satisfaction & Loyalty Index sesuai target.
1. Achievement of underwriting results as per the current year's RKAP.
2. Achievement of loss ratio as per the current year's RKAP.
3. Achievement of Customer Satisfaction Index & Loyalty Index as per the target.
Pihak yang Melakukan Penilaian Party Conducting Assessment
Pihak yang bertanggung jawab melakukan penilaian atas The party responsible for assessing the performance of
kinerja Direksi adalah Dewan Komisaris, yang dibantu oleh the Board of Directors is the Board of Commissioners,
Komite Nominasi dan Remunerasi. Penilaian tersebut assisted by the Nomination and Remuneration Committee.
dilakukan berdasarkan evaluasi terhadap kinerja masing- The assessment is conducted based on the evaluation of
masing Direktorat dan secara kolegial, berdasarkan hasil the performance of each Directorate and collegially, based
pencapaian perusahaan. on the Company’s achievements.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 265
Page 268
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
3.E
Nominasi dan Remunerasi
Dewan Komisaris dan Direksi
Nomination and Remuneration of the
Board of Commissioners and the Board of Directors
Nominasi Dewan Komisaris
The Nomination of the Board of Commissioners
RUPS memiliki kewenangan untuk mengangkat dan The GMS holds full authority to appoint and dismiss
memberhentikan anggota Dewan Komisaris dengan members of the Board of Commissioners, taking into
mempertimbangkan visi, misi, dan rencana strategis account the Company’s vision, mission, and strategic
perusahaan, sehingga memungkinkan pengambilan plans to facilitate effective, swift, precise, and independent
keputusan yang efektif, cepat, tepat, dan independen. decision-making. When appointing members to the Board
Dalam proses pengangkatan Dewan Komisaris, kandidat of Commissioners, candidates may be nominated by the
Komisaris dapat diajukan oleh pemegang saham controlling shareholder. The Nomination and Remuneration
pengendali. Profil dan kualifikasi masing-masing kandidat Committee will review and discuss the profile and
akan dibahas oleh Komite Nominasi dan Remunerasi qualifications of each candidate during the nomination
dalam rapat nominasi. Kandidat yang terpilih akan meeting. The selected candidate will be appointed
diangkat setelah mendapatkan persetujuan dari RUPS. upon receiving approval from the GMS. The mechanism
Berikut adalah uraian mengenai mekanisme nominasi dan for the nomination and appointment of the Board of
pengangkatan Dewan Komisaris. Commissioners can be outlined as follows.
Direkomendasikan
oleh Dewan Komisaris
Diusulkan oleh atau Komite Nominasi Diangkat dengan
Pemegang Saham dan Remunerasi Persetujuan RUPS
Proposed by the Recommended by the Board Appointed with GMS
Shareholders of Commissioners or the Approval
Nomination and
Remuneration Committee
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 27/ In accordance with Financial Services Authority
POJK.03/2016 tanggal 22 Juli 2016 tentang Penilaian Regulation No. 27/POJK.03/2016 dated 22 July 2016
Kemampuan dan Kepatutan bagi Pihak Utama Lembaga concerning the Fit and Proper Test for the Main Parties
Jasa Keuangan, calon anggota Dewan Komisaris yang of Financial Services Institutions, candidates for the
merupakan Pihak Utama Perseroan yang bergerak Board of Commissioners who are considered the Main
di bidang Lembaga Jasa Keuangan diwajibkan untuk Parties of the Company must obtain approval from the
mendapatkan persetujuan dari Otoritas Jasa Keuangan Financial Services Authority (OJK) before performing their
(OJK) sebelum melaksanakan tugas, tindakan, dan duties, actions, and functions as members of the Board
fungsinya sebagai anggota Dewan Komisaris. Untuk of Commissioners.
memberikan persetujuan tersebut, OJK akan melakukan
penilaian kemampuan dan kepatutan terhadap calon
anggota Dewan Komisaris.
266 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Anggota Dewan Komisaris yang telah lulus penilaian To grant this approval, OJK conducts a fit and proper test
kemampuan dan kepatutan tanpa catatan serta telah for prospective Board members. Those who have passed
memperoleh persetujuan dari OJK, menunjukkan bahwa the test without any remarks and have received approval
yang bersangkutan memenuhi persyaratan integritas, from OJK are deemed to meet the required standards of
kompetensi, dan reputasi keuangan yang memadai. integrity, competence, and adequate financial reputation.
Adapun daftar anggota Dewan Komisaris yang telah The list of Board of Commissioners members who have
menjalani penilaian kemampuan dan kepatutan oleh OJK undergone the OJK fit and proper test and compliance as
per 31 Desember 2024 adalah sebagai berikut: of 31 December 2024 is as follows:
Tanggal Efektif
Berdasarkan Surat
Nama Jabatan Keputusan Fit & Proper OJK
OJK
Name Position OJK Fit & Proper Decision
Effective Date Based on
OJK Letter
Abdul Ghofar Presiden Komisaris & Surat Keputusan OJK No. S-3626/PD.021/2024 5 Desember 2024
Komisaris Independen – Lulus 5 December 2024
President Commissioner & OJK Decree No. S-3626/PD.021/2024 – Pass
Independent Commissioner
Bagus Agung Rahadiansyah Komisaris Surat Keputusan OJK No. Kep – 29/ 23 Juni 2023
Commissioner KDK.05/2023 – Lulus 23 June 2023
OJK Decree No. Kep – 29/KDK.05/2023 – Pass
Samuel Ramna Komisaris Surat Keputusan OJK No. Kep – 41/ 4 Desember 2023
Commissioner KDK.05/2023 – Lulus 4 December 2023
OJK Decree No. Kep – 41/KDK.05/2023 – Pass
Poerwo Tjahjono Komisaris Independen Surat Keputusan OJK No. KEP-80/KDK.05/2020 10 November 2020
Independent Commissioner – Lulus 10 November 2020
OJK Decree No. KEP-80/KDK.05/2020 – Pass
Tajudin Noor Komisaris Independen Surat Keputusan OJK No. KEP-6/D.05/2024 – 18 Januari 2024
Independent Commissioner Lulus 18 January 2024
OJK Decree No. KEP-6/D.05/2024 – Pass
Remunerasi Dewan Komisaris
The Board of Commissioners’ Remuneration
Prosedur Pengusulan hingga Penetapan Procedure for Proposing to Determining
Remunerasi Dewan Komisaris Remuneration of the Board of Commissioners
Secara umum, prosedur penetapan remunerasi Dewan In general, the procedure for determining the remuneration
Komisaris dilakukan melalui tahapan-tahapan berikut: of the Board of Commissioners of Tugu Insurance is
• Komite Nominasi dan Remunerasi menyusun dan carried out in stages as follows:
mengevaluasi struktur, kebijakan, serta besaran • The Nomination and Remuneration Committee
remunerasi Dewan Komisaris sesuai dengan peraturan prepares and evaluates the structure, policies,
perundang-undangan yang berlaku. Struktur remunerasi and amount of remuneration for the Board of
ini dapat mencakup gaji, honorarium, insentif, dan/atau Commissioners in accordance with applicable laws
tunjangan yang bersifat tetap dan/atau variabel; and regulations. The remuneration structure includes
salary, honorarium, incentives, and/or benefits, which
may be fixed and/or variable;
• Berdasarkan hasil evaluasi tersebut, Komite Nominasi • Based on the evaluation results, the Nomination
dan Remunerasi akan memberikan rekomendasi and Remuneration Committee will provide
kepada Dewan Komisaris mengenai struktur, kebijakan, recommendations to the Board of Commissioners
dan besaran remunerasi Dewan Komisaris; regarding the remuneration structure, policies, and the
amount of remuneration;
• Dewan Komisaris kemudian akan menyampaikan • The Board of Commissioners will submit a proposal
usulan terkait honorarium bagi Dewan Komisaris serta regarding honorarium for the Board of Commissioners
tantiem kepada Pemegang Saham untuk mendapatkan and bonuses to the Shareholders for approval at the
persetujuan dalam RUPS. General Meeting of Shareholders (GMS).
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 267
Page 270
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kriteria Penetapan Remunerasi Dewan Komisaris Criteria for Determining the Board of
Commissioners Remuneration
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out their duties and responsibilities, the
Dewan Komisaris menerima sejumlah remunerasi dan Board of Commissioners receives remuneration and
fasilitas lainnya. Kebijakan pemberian remunerasi dan other facilities, in accordance with the resolutions of the
fasilitas bagi Dewan Komisaris mengacu pada keputusan Shareholders as determined in the General Meeting of
Pemegang Saham yang ditetapkan dalam Rapat Umum Shareholders (GMS), taking into account the results of
Pemegang Saham (RUPS), dengan memperhatikan hasil studies conducted by the Company. The review of the
kajian yang dilakukan oleh Perusahaan. Kajian mengenai structure and amount of remuneration for the Board of
struktur dan jumlah remunerasi Dewan Komisaris Commissioners is based on the following factors:
didasarkan pada hal-hal berikut:
• Ketentuan dan peraturan perundang-undangan • Applicable laws and regulations;
yang berlaku;
• Ketentuan yang berlaku pada PT Pertamina (Persero) • Provisions applicable to PT Pertamina (Persero) as the
sebagai Pemegang Saham Pengendali; Controlling Shareholder;
• Kinerja Perusahaan; • Company performance;
• Kewajaran dalam konteks industri perasuransian; • Fairness within the Insurance Industry;
• Regulasi terkait remunerasi lainnya, seperti Upah • Regulations related to other forms of remuneration,
Minimum dan Undang-Undang Ketenagakerjaan. such as Minimum Wage and the Labor Law.
Pengkajian ulang terhadap Kebijakan Remunerasi The Remuneration Policy is reviewed periodically,
dilakukan secara berkala, termasuk kajian mengenai including a review of the remuneration for the Board of
remunerasi untuk Dewan Komisaris, Direksi, dan Pegawai. Commissioners, Directors, and Employees.
Struktur Remunerasi Dewan Komisaris Tahun Board of Commissioners Remuneration in 2024
2024
Hasil keputusan Rapat Umum Pemegang Saham (RUPS) The resolution of the Annual General Meeting of
Tahunan pada tanggal 29 April 2024 telah menyetujui Shareholders (AGMS) held on 29 April 2024, approved
untuk memberikan kuasa dan wewenang kepada Dewan the granting of power and authority to the Board of
Komisaris Perseroan, dengan terlebih dahulu mendapatkan Commissioners of the Company, with prior approval
persetujuan dari Pemegang Saham Perseroan, yaitu from the Company’s Shareholders, namely PT Pertamina
PT Pertamina (Persero) sebagai Pemegang Saham (Persero), to determine the bonus for the members of
Pengendali, untuk menetapkan Tantiem bagi anggota the Board of Directors and the Board of Commissioners
Direksi dan Dewan Komisaris Perseroan untuk tahun for the 2024 fiscal year, as well as to determine the
buku 2024. Selain itu, juga disetujui penetapan besarnya amount of salary/honorarium, allowances, and facilities
gaji/honorarium, tunjangan, dan fasilitas bagi anggota for the members of the Board of Directors and the Board
Direksi dan Dewan Komisaris Perseroan untuk tahun of Commissioners for the 2024 fiscal year. The actual
2024. Jumlah realisasi remunerasi untuk anggota remuneration for members of the Board of Commissioners
Dewan Komisaris pada tahun 2024 adalah sebesar in 2024 amounted to IDR15,748,538,660.
Rp15.748.538.660.
Nominasi Direksi The Board of Directors Nomination
RUPS memiliki wewenang penuh untuk mengangkat The GMS holds full authority to appoint and dismiss
dan memberhentikan anggota Direksi, yang dilakukan members of the Board of Directors, taking into account
dengan mempertimbangkan visi, misi, dan rencana the Company’s vision, mission, and strategic plans. In
strategis Perseroan. Dalam proses pengangkatan the appointment process, proposals for the appointment
Direksi, usulan pengangkatan anggota Direksi kepada of Board members to the GMS must be made based on
RUPS harus didasarkan pada rekomendasi dari Dewan recommendations from the Board of Commissioners or
Komisaris atau Komite yang menjalankan fungsi nominasi. Committees responsible for the nomination function.
Kandidat yang terpilih akan diangkat setelah memperoleh Selected candidates will be appointed upon approval
persetujuan dari RUPS. Adapun mekanisme nominasi dan by the GMS. The mechanism for the nomination and
pengangkatan Direksi dapat dijelaskan sebagai berikut: appointment of Directors is outlined as follows:
268 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 271
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Direkomendasikan
oleh Komite Nominasi
dan Remunerasi atau Diangkat dengan
Diusulkan oleh
Dewan Komisaris Persetujuan RUPS
Pemegang Saham
Recommended by the Appointed with
Proposed by the Shareholders
Nomination and Remuneration GMS approval
Committee or the Board of
Commissioners
Sesuai dengan Peraturan Otoritas Jasa Keuangan No. In accordance with Financial Services Authority Regulation
27/POJK.03/2016 tentang Penilaian Kemampuan dan No. 27/POJK.03/2016 regarding the Fit and Proper
Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan, Test for Key Parties of Financial Services Institutions,
pengangkatan anggota Direksi baru berlaku efektif setelah the appointment of members of the Board of Directors
mendapatkan persetujuan dari Otoritas Jasa Keuangan becomes effective only after obtaining approval from the
(OJK) terkait Penilaian Kemampuan dan Kepatutan. Untuk Financial Services Authority (OJK) for the Fit and Proper
mengikuti proses Uji Kelayakan dan Kepatutan, Perseroan Test. To participate in the Fit and Proper Test process, the
mengajukan permohonan untuk memperoleh persetujuan Company submits an application to obtain approval for the
calon anggota Direksi kepada OJK. prospective Board members from OJK.
Daftar anggota Direksi yang telah menjalani penilaian The list of Board of Directors members who have
kemampuan dan kepatutan oleh OJK hingga akhir tahun undergone the OJK Fit and Proper Test as of the end of
2024 dapat dilihat sebagai berikut: 2024 is as follows:
Tanggal Efektif
Berdasarkan Surat
Nama Jabatan Keputusan Fit & Proper OJK
OJK
Name Position OJK Fit & Proper Decision
Effective Date Based on
OJK Letter
Tatang Nurhidayat Presiden Direktur Surat Keputusan OJK No. KEP-32/KDK.05/2022 16 Agustus 2022
President Director – Lulus 16 August 2022
OJK Decree No. KEP-32/KDK.05/2022 – Pass
Emil Hakim Direktur Keuangan & Layanan Surat Keputusan OJK No. KEP-48/KDK.05/2021 10 September 2021
Korporat – Lulus 10 September 2021
Finance & Corporate Service OJK Decree No. KEP-48/KDK.05/2021 – Pass
Director
Ery Widiatmoko Direktur Pemasaran Asuransi Surat Keputusan OJK No. KEP-59/KDK.05/2020 23 September 2020
Insurance Marketing Director – Lulus 23 September 2020
OJK Decree No. KEP-59/KDK.05/2020 – Pass
Edi Yoga Prasetyo Direktur Kepatuhan & Surat Keputusan OJK No. KEP-5/D.05/2024 – 18 Januari 2024
Manajemen Risiko Lulus 18 January 2024
Compliance & Risk OJK Decree No. KEP-5/D.05/2024 – Pass
Management Director
Sudarlin Direktur Teknik Surat Keputusan OJK No. KEP-40/D.05/2023 30 Oktober 2023
Technical Director – Lulus 30 October 2023
OJK Decree No. KEP-40/D.05/2023 – Pass
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 269
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Remunerasi Direksi
The Board of Directors Remuneration
Prosedur Pengusulan hingga Penetapan Direksi Procedure for Proposing to Appointing Directors
Secara garis besar, prosedur penetapan remunerasi The procedure for determining the remuneration of Tugu
Direksi dilakukan melalui tahapan sebagai berikut: Insurance Board of Directors is carried out in stages as
shown in the following chart:
• Komite Nominasi dan Remunerasi menyusun dan • The Nomination and Remuneration Committee
mengevaluasi struktur, kebijakan, dan besaran prepares and evaluates the structure, policies, and
remunerasi bagi Direksi. Struktur remunerasi tersebut amount of remuneration for the Board of Directors. The
dapat mencakup gaji, honorarium, insentif, dan/atau remuneration structure includes salary, honorarium,
tunjangan yang bersifat tetap dan/atau variabel; incentives, and/or allowances, which may be fixed and/
or variable;
• Berdasarkan hasil evaluasi tersebut, Komite Nominasi • Based on the results of the evaluation, the
dan Remunerasi akan memberikan rekomendasi Nomination and Remuneration Committee will provide
kepada Dewan Komisaris mengenai struktur recommendations to the Board of Commissioners
remunerasi, kebijakan remunerasi, dan besaran regarding the remuneration structure, remuneration
remunerasi bagi Direksi; dan policies, and the amount of remuneration for the Board
of Directors; and
• Dewan Komisaris akan menyampaikan usulan • The Board of Commissioners will submit proposals
mengenai honorarium, gaji, serta tantiem bagi Direksi regarding the honorarium, salary, and bonus for the
kepada Pemegang Saham untuk mendapatkan Board of Directors to the Shareholders for approval at
persetujuan dalam Rapat Umum Pemegang Saham the General Meeting of Shareholders (GMS).
(RUPS).
Komite Nominasi & Dewan Komisaris Struktur dan Besaran
Remunerasi menyampaikan menyampaikan Usulan Remunerasi Direksi
rekomendasi mengenai Struktur & Besaran diagendakan, dibahas, dan
Struktur & Besaran Remunerasi Direksi kepada diputuskan dalam RUPS
Remunerasi Direksi kepada Pemegang Saham dalam
Dewan Komisaris RUPS The Structure and Amount of
Remuneration for the Board
The Nomination & The Board of Commissioners of Directors is scheduled,
Remuneration Committee submits the Proposed discussed and decided at the
submits recommendations Structure & Amount of GMS
regarding the Structure & Remuneration for the Board
Amount of remuneration of the of Director to Shareholders at
Board of Commissioners to the GMS
the Board of Commissioners
01 02 03
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05 Tata Kelola Perusahaan
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Kriteria Penetapan Remunerasi Direksi Criteria for Determining the Board of Directors
Remuneration
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out their duties and responsibilities, the Board
Direksi menerima sejumlah remunerasi dan fasilitas of Directors receives remuneration and other facilities. The
lainnya. Kebijakan pemberian remunerasi dan fasilitas policy for providing remuneration and other facilities to the
bagi Direksi mengacu pada keputusan Pemegang Saham Board of Directors refers to the Shareholders’ resolution
yang ditetapkan dalam Rapat Umum Pemegang Saham, as determined in the General Meeting of Shareholders,
dengan mempertimbangkan hasil kajian yang dilakukan considering the results of the review conducted by the
oleh Perseroan. Kajian mengenai struktur dan jumlah Company. The review of the structure and amount of
remunerasi untuk Direksi didasarkan pada hal-hal berikut: remuneration for the Board of Directors is based on:
• Ketentuan dan perundang-undangan yang berlaku; • Applicable laws and regulations;
• Ketentuan yang berlaku pada PT Pertamina (Persero) • Provisions applicable to PT Pertamina (Persero) as the
sebagai Pemegang Saham Pengendali; Controlling Shareholder;
• Kinerja Perseroan; • Company performance;
• Kewajaran dalam konteks industri perasuransian; dan • Fairness within the Insurance Industry; and
• Regulasi terkait remunerasi lainnya, seperti Upah • Regulations related to other forms of remuneration,
Minimum dan Undang-Undang Ketenagakerjaan. such as Minimum Wage and Labor Laws.
Pengkajian ulang terhadap Kebijakan Remunerasi The Remuneration Policy is reviewed periodically,
dilakukan secara berkala, termasuk kajian mengenai including a review of the remuneration for the Board of
remunerasi Dewan Komisaris, Direksi, dan Pegawai. Commissioners, Directors, and Employees.
Struktur Remunerasi Direksi Tahun 2024 The Board of Directors Remuneration in 2024
Hasil keputusan Rapat Umum Pemegang Saham (RUPS) The resolution of the Annual General Meeting of
Tahunan pada tanggal 29 April 2024 menyetujui pemberian Shareholders (AGMS) on 29 April 2024, approved the
kuasa dan wewenang kepada Dewan Komisaris Perseroan, granting of power and authority to the Company’s Board of
dengan terlebih dahulu mendapatkan persetujuan Commissioners, with prior approval from the Company’s
dari Pemegang Saham Perseroan, yaitu PT Pertamina Shareholders, namely PT Pertamina (Persero) as the
(Persero) sebagai Pemegang Saham Pengendali, Controlling Shareholder, to determine the bonus for the
untuk menetapkan Tantiem bagi anggota Direksi dan members of the Board of Directors and the Board of
Dewan Komisaris Perseroan untuk tahun buku 2024, Commissioners for the 2024 fiscal year, and to determine
serta untuk menetapkan besarnya gaji/honorarium, the amount of salary/honorarium, allowances, and
tunjangan, dan fasilitas bagi anggota Direksi dan Dewan facilities for the members of the Board of Directors and
Komisaris Perseroan untuk tahun 2024. Jumlah realisasi the Board of Commissioners for the 2024 fiscal year.
remunerasi anggota Direksi pada tahun 2024 sebesar The actual remuneration for the members of the Board of
Rp36.306.721.725. Directors in 2024 amounted to IDR36,306,721,725.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 271
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
3.F
Dewan Pengawas Syariah
Sharia Supervisory Board
Dewan Pengawas Syariah (DPS) merupakan bagian The Sharia Supervisory Board (SSB) is part of the
dari Organ Perusahaan yang memiliki tugas dan fungsi Company’s organizational structure and has the duty
pengawasan terhadap penyelenggaraan kegiatan usaha and supervisory functions to oversee the management
Perusahaan agar sesuai dengan Prinsip Syariah, yaitu of the Company’s business activities in accordance with
prinsip hukum Islam dalam kegiatan perasuransian Sharia Principles, which refer to Islamic law principles in
berdasarkan fatwa yang dikeluarkan oleh lembaga yang insurance activities based on fatwas issued by institutions
berwenang dalam penetapan fatwa di bidang syariah, authorized to determine fatwas in the Sharia sector, as
sebagaimana diatur dalam Undang-Undang No. 40 Tahun stipulated in Law No. 40 of 2014 concerning Insurance.
2014 tentang Perasuransian.
DPS dibentuk berdasarkan Pasal 35 (1) POJK No. 73/ The Sharia Supervisory Board was established based on
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik Article 35 (1) of OJK Regulation No. 73/POJK.05/2016
bagi Perusahaan Perasuransian ("POJK No. 73/2016"), concerning Good Corporate Governance for Insurance
yang mengatur bahwa Perusahaan Asuransi Syariah, Companies (“POJK No. 73/2016”), which regulates
Perusahaan Reasuransi Syariah, dan Perusahaan Asuransi that Sharia Insurance Companies, Sharia Reinsurance
atau Perusahaan Reasuransi yang menyelenggarakan Companies, and Insurance or Reinsurance Companies that
sebagian usahanya berdasarkan Prinsip Syariah wajib conduct part of their business based on Sharia Principles
memiliki DPS. are required to have a Sharia Supervisory Board.
Pengangkatan dan Masa Jabatan Anggota Dewan Pengawas Syariah
Appointment and Term of Office of Sharia Supervisory Board Members
Anggota Dewan Pengawas Syariah (DPS) terdiri dari satu The Sharia Supervisory Board consists of one or more
orang atau lebih ahli syariah yang diangkat oleh Rapat Sharia experts appointed by the General Meeting of
Umum Pemegang Saham (RUPS) atas rekomendasi Shareholders (GMS) based on the recommendation of
Dewan Syariah Nasional (DSN), sebuah badan yang the National Sharia Council (DSN), an agency under the
berada di bawah Majelis Ulama Indonesia (MUI). Masa Indonesian Ulema Council (MUI). The term of office for the
jabatan anggota DPS adalah tiga tahun terhitung sejak Sharia Supervisory Board is three years from the date of
penunjukan dalam bentuk akta notaris, namun RUPS appointment, as documented in a notarial deed. However,
memiliki wewenang untuk memberhentikan anggota DPS the GMS has the authority to dismiss members of the
jika terbukti melanggar ketentuan dalam Anggaran Dasar Sharia Supervisory Board if they are found to have violated
Perusahaan beserta perubahan-perubahannya. the provisions of the Company’s Articles of Association
and its amendments.
Pengangkatan anggota DPS berlaku efektif setelah The appointment of Sharia Supervisory Board members
mendapatkan persetujuan dari Otoritas Jasa Keuangan is effective upon receiving approval from the Financial
(OJK) melalui Penilaian Kemampuan dan Kepatutan, Services Authority (OJK) based on the Fit and Proper Test,
sesuai dengan Peraturan Otoritas Jasa Keuangan No. in accordance with Financial Services Authority Regulation
27/POJK.03/2016 tentang Penilaian Kemampuan dan No. 27/POJK.03/2016 concerning the Fit and Proper
Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan, Test for Main Parties of Financial Services Institutions,
serta memenuhi peraturan perundang-undangan yang and compliance with applicable laws and regulations.
berlaku. Untuk mengikuti proses Penilaian Kemampuan To participate in the Fit and Proper Test process, the
dan Kepatutan, Perseroan mengajukan permohonan untuk Company submits a request for approval of Sharia
memperoleh persetujuan calon anggota DPS kepada OJK. Supervisory Board members to the OJK.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Susunan Keanggotaan Dewan Pengawas Syariah
Sharia Supervisory Board Membership Composition
Per 31 Desember 2024, komposisi anggota DPS terdiri As of 31 December 2024, the composition of Sharia
dari satu orang ketua dan satu orang anggota: Supervisory Board members consists of one chairman and
one member:
Tanggal
Dasar Jumlah Periode
Pengangkatan
Nama Jabatan Pengangkatan Masa Jabatan Menjabat
oleh RUPS
Name Position Basis of Term of Office Number of Term of
Appointment date
Appointment Office Period
by the GMS
Prof. Dr. H. Muhammad Ketua DPS KEP-31/NB.22/2017 28 April 2023 2023-2026 3 Periode
Maksum, S.H., M.A., MDC Sharia Supervisory tanggal 24 Juli 2017 3 Terms
Board Chairman KEP-31/NB.22/2017
dated 24 July 2017
dr. Siti Hannah, M.K.M. Anggota DPS KEP-11/PD.02/2024 28 April 2023 2023-2026 1 Periode
Sharia Supervisory tanggal 17 Januari 1 Term
Board Member 2023
KEP-11/PD.02/2024
dated 17 January
2023
Profil Dewan Pengawas Syariah
Profile of Sharia Supervisory Board Members
Nama Prof. Dr. H. Muhammad Maksum, S.H., M.A., MDC
Name
Jabatan Ketua DPS
Position Sharia Supervisory Board Chairman
Masa Jabatan 2023-2026
Term of Office
Kewarganegaraan Indonesia
Citizenship
Usia 47 tahun
Age 47 years old
Domisili Tangerang Selatan, Banten
Domicile South Tangerang, Banten
Riwayat Penunjukan • Akta Notaris Vivi Novita Rido, S.H., M.Kn., No. 08 • Notarial Deed of Vivi Novita Rido, S.H., M.Kn., No. 08
Appointment History tanggal 09 November 2017. dated 09 November 2017.
• Akta Notaris Jose Dima Satria, S.H., M.Kn., No. 97 • Notarial Deed of Jose Dima Satria, S.H., M.Kn., No.
tanggal 16 Desember 2020. 97 dated 16 December 2020.
• Akta Notaris Jose Dima Satria, S.H., M.Kn., No. 124 • Notarial Deed of Jose Dima Satria, S.H., M.Kn., No.
tanggal 28 April 2023. 124 dated 28 April 2023.
Pendidikan dan • Sertifikat Kompetensi Pengawas Syariah dan Ahli • Sharia Supervisory and Capital Market Expert
Pelatihan Pasar Modal dari BNSP melalui LSP MUI (2022). Competency Certificate from BNSP through LSP MUI
Education and Training • Magister Hukum Ekonomi di University of Perpignan (2022).
Via Domitia, Prancis (2015-2016). • Master of Economic Law at the University of
• Doktor Hukum Ekonomi Islam di Universitas Islam Perpignan Via Domitia, France (2015-2016).
Negeri Syarif Hidayatullah (2013). • Doctor of Islamic Economic Law at Syarif Hidayatullah
• Magister Ekonomi Islam di Universitas Islam Negeri State Islamic University (2013).
Syarif Hidayatullah (2007). • Master of Islamic Economy at Syarif Hidayatullah
• Sarjana Syariah, Fakultas Syariah di IAIN (2001). State Islamic University (2007).
• Bachelor’s Degree in Sharia, Faculty of Sharia at IAIN
(2001).
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 273
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Riwayat Pekerjaan dan • Guru Besar dan Dekan Fakultas Syariah dan Hukum • Professor and Dean of the Faculty of Sharia and Law
Rangkap Jabatan di UIN Syarif Hidayatullah (2023-sekarang). at UIN Syarif Hidayatullah (2023-present).
Work History and • Dewan Pengawas Syariah di Bank DKI UUS • Sharia Supervisory Board Member at Bank DKI
Concurrent Position (2021-sekarang). Sharia Unit (2021-present).
• Dewan Pengawas Syariah di Bank Jago • Sharia Supervisory Board Member at Bank Jago
(2021-sekarang). (2021-present).
• Sekretaris Badan Pengurus Harian DSN-MUI Bidang • Secretary of the DSN-MUI Daily Management Board
Perbankan (2020-2025). for Banking (2020-2025).
• Dewan Pengawas Syariah di PT Allianz Global • Sharia Supervisory Board Member at PT Allianz
Investment (2018-sekarang). Global Investment (2018-present).
• Dewan Pengawas Syariah di PT Asuransi Tugu • Sharia Supervisory Board Member at PT Asuransi
Pratama Indonesia Tbk (2017-sekarang). Tugu Pratama Indonesia Tbk (2017-present).
• Asesor Kompetensi Pengawas Syariah Terlisensi • Licensed Competency Assessor for Sharia
dari Badan Nasional Standarisasi Profesi (BNSP) Supervisory from the National Professional
(2017-sekarang). Certification Agency (BNSP) (2017-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Majority/Controlling
Shareholders.
Kepemilikan Saham Tidak memiliki saham TUGU.
TUGU Does not own shares in TUGU.
TUGU Share Ownership
Nama dr. Siti Hannah, M.K.M.
Name
Jabatan Anggota DPS
Position Sharia Supervisory Board Member
Masa Jabatan 2023-2026
Term of Office
Kewarganegaraan Indonesia
Citizenship
Usia 45 tahun
Age 45 years old
Domisili DKI Jakarta
Domicile
Riwayat Penunjukan Akta Notaris Jose Dima Satria, S.H., M.Kn. No. 1 tanggal 1 Februari 2024.
Appointment History Notarial Deed of Jose Dima Satria, S.H., M.Kn. No. 1 dated 1 February 2024.
Pendidikan dan • Pelatihan Calon Asesor Sertifikasi Rumah Sakit • Training for Sharia Hospital Certification Assessor
Pelatihan Syariah dari DSN-MUI Institute (2022). Candidates from the DSN-MUI Institute (2022).
Education and Training • Pelatihan Dasar Pengawas Syariah Bidang Asuransi • Basic Training for Sharia Supervisors in the Sharia
Syariah dari DSN-MUI Institute (2022). Insurance Sector from the DSN-MUI Institute (2022).
• Magister Kesehatan Masyarakat di Universitas • Master of Public Health at the University of Indonesia
Indonesia (2010). (2010).
• Program Studi Profesi Dokter di Universitas • Medical Professional Study Program at Tarumanegara
Tarumanegara (2005). University (2005).
• Sarjana Kedokteran di Universitas Tarumanegara • Bachelor of Medicine at Tarumanegara University
(2003). (2003).
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Riwayat Pekerjaan dan • Anggota Dewan Pengawas Syariah PT Multiniaga • Member of the Sharia Supervisory Board of PT
Rangkap Jabatan Intermedia Proteksi (MIP) (2022). Multiniaga Intermedia Proteksi (MIP) (2022).
Work History and • Bidang Pelayanan Kesehatan, Dinas Kesehatan • Health Services Sector, DKI Jakarta Provincial Health
Concurrent Position Provinsi DKI Jakarta (2017-2019). Office (2017-2019).
• Dokter Puskesmas Larangan Utara, Dinas Kesehatan • Doctor at North Larangan Community Health Center,
Kota Tangerang (2014-2016). Tangerang City Health Office (2014-2016).
• Supervisor Kader Kesehatan, kerja sama PDUI dan • Supervisor of Health Cadres, a collaboration between
BTPN (2013-2014). PDUI and BTPN (2013-2014).
• Dokter Dialog Interaktif, kerja sama PDUI dan BTPN • Interactive Dialogue Doctor, a collaboration between
(2011-2014). PDUI and BTPN (2011-2014).
• Dokter Layanan Kesehatan, kerja sama PDUI dan • Health Services Doctor, a collaboration between PDUI
BTPN (2011-2014). and BTPN (2011-2014).
• Dinas Kesehatan Provinsi Banten (2010-2014). • Banten Provincial Health Office (2010-2014).
• Dokter PTT Daerah, Provinsi Banten (2007-2010). • Regional Non-Permanent Doctor, Banten Province
• Ketua Dewan Pengawas, Poltekkes Kemenkes (2007-2010).
Jakarta III (2000-sekarang). • Chairman of the Supervisory Board, Ministry of
Health Jakarta III Polytechnic (2000-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi, dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, and Majority/Controlling
Shareholders.
Kepemilikan Saham Tidak memiliki saham TUGU.
TUGU Does not own shares in TUGU.
TUGU Share Ownership
Tugas Pokok Dewan Pengawas Syariah
Main Duties of Sharia Supervisory Board
Dewan Pengawas Syariah (DPS) memiliki tugas pokok The Sharia Supervisory Board (SSB) has the primary duty
untuk melaksanakan pengawasan serta memberikan to carry out supervisory tasks and provide advice and
nasihat dan saran kepada Direksi agar kegiatan usaha recommendations to the Board of Directors to ensure
Perseroan sesuai dengan Prinsip Syariah. Pelaksanaan that the Company’s business activities comply with Sharia
tugas pengawasan dan pemberian nasihat dan saran Principles. These supervisory and advisory duties are
tersebut dilakukan terhadap: carried out on:
1. Kegiatan dalam pengelolaan kekayaan dan kewajiban, 1. Activities related to the management of assets and
baik dana tabarru’, dana tanahud, dana perusahaan, liabilities, including tabarru’ and tanahud funds,
maupun dana investasi peserta; company funds, and participant investment funds;
2. Produk asuransi syariah yang dipasarkan; dan 2. Marketed sharia insurance products; and
3. Praktik pemasaran produk asuransi syariah. 3. Marketing practices of sharia insurance products.
Pemberian Nasihat, Saran serta Pengawasan Provision of Advice, Suggestion, and Supervision on
Pemenuhan Prinsip Syariah di Pasar Modal Fulfillment of Sharia Principles in Capital Market
Tugas pengawasan serta pemberian nasihat dan saran Advisory and supervisory duties are carried out by the
oleh Dewan Pengawas Syariah (DPS) dilakukan melalui Sharia Supervisory Board through meetings with the
rapat yang diselenggarakan sebagai berikut: following details:
1. Rapat Rutin, yang diselenggarakan setiap bulan atau 1. Regular Meeting, held every month or at least 6
minimum enam kali dalam satu tahun (sesuai dengan (six) times a year (in accordance with POJK No.
POJK No. 73/POJK.05/2016 tanggal 28 Desember 73/POJK.05/2016 dated 28 December 2016).
2016). Dalam rapat ini, Tim Syariah akan memberikan In these meetings, the Sharia Team provides the
informasi terkini kepada DPS mengenai: Sharia Supervisory Board with the latest information
regarding:
a. Pencapaian bisnis dan tinjauan atas rencana kerja; a. Business achievements and a review of the work
plan;
b. Tindak lanjut atas notulen rapat dari b. Follow-up on the minutes of the meetings from the
periode sebelumnya; previous period;
c. Membahas potensi bisnis yang ditemui dan c. Discussion of existing business opportunities
membahas hal-hal yang perlu didiskusikan serta and relevant matters that need to be addressed,
meminta pendapat dari sudut pandang Syariah. requiring opinions from a Sharia perspective.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
2. Rapat Ad Hoc/Sewaktu-waktu, yang diselenggarakan 2. Ad Hoc Meetings, held as needed when there is
jika ada keperluan mendesak untuk meminta an urgent need to seek opinions from the Sharia
pandangan dari DPS. Supervisory Board.
Rapat dan Tingkat Kehadiran Dewan Pengawas Syariah
Sharia Supervisory Board Meeting Frequency
Ketentuan Rapat Dewan Pengawas Syariah (DPS) The provisions of Sharia Supervisory Board (SSB) Meetings
sebagaimana diatur dalam POJK No. 73/POJK.05/2016 as stipulated in POJK No. 73/POJK.05/2016 (POJK No.
(POJK No. 73/2016) tentang Tata Kelola Perusahaan 73/2016) concerning Good Corporate Governance for
yang Baik bagi Perusahaan Perasuransian adalah Insurance Companies are as follows:
sebagai berikut:
1. DPS wajib menyelenggarakan rapat secara berkala 1. The Sharia Supervisory Board is required to hold
paling sedikit 6 (enam) kali dalam satu tahun; regular SSB Meetings at least 6 (six) times a year;
2. Hasil rapat DPS sebagaimana dimaksud pada ayat 2. The results of the Sharia Supervisory Board Meetings
(1) wajib dituangkan dalam risalah rapat DPS dan as referred to in paragraph (1) must be documented in
didokumentasikan dengan baik; the minutes of the SSB meeting and properly recorded;
3. Perbedaan pendapat (dissenting opinions) yang 3. Dissenting opinions expressed during the Sharia
terjadi dalam keputusan rapat DPS wajib dicantumkan Supervisory Board Meeting resolutions must be clearly
secara jelas dalam risalah rapat DPS disertai alasan stated in the minutes of the meeting along with the
perbedaan pendapat tersebut; dan reasons for the dissenting opinions; and
4. Anggota DPS yang hadir maupun yang tidak hadir 4. Members of the Sharia Supervisory Board, whether
dalam rapat DPS berhak menerima salinan risalah present or absent, are entitled to receive a copy of the
rapat DPS. minutes of the meeting.
Pada tahun 2024, DPS telah melaksanakan rapat internal In 2024, the Sharia Supervisory Board held 6 (six) internal
sebanyak 6 (enam) kali. Jumlah rapat tersebut telah meetings. The total number of Sharia Supervisory Board
memenuhi ketentuan POJK No. 73/2016, dengan rincian meetings has complied with the provisions of POJK No.
jumlah rapat dan kehadiran dalam rapat DPS sebagaimana 73/2016, with the details of the meetings and attendance
tabel berikut: as shown in the following table:
Tidak Hadir
dengan Surat
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam %
Kuasa
Name Total Meetings Total Attendance Attendance in %
Absence with
Power of Attorney
Dr. H. Muhammad Maksum, S.H., M.A., MDC 6 6 100% -
dr. Siti Hannah, M.K.M. 6 5 83% -
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
4.
Komite dan Fungsi di Bawah Dewan Komisaris
Committees Under The Board of Commissioners
4.A
Komite Audit
Audit Committee
Dalam mendukung pelaksanaan tugas Dewan Komisaris, To support the duties of the Board of Commissioners,
Komite Audit menjalankan fungsi pengawasan atas hal- the Audit Committee performs supervisory functions on
hal yang berkaitan dengan informasi keuangan, sistem matters related to financial information, internal control
pengendalian internal, serta efektivitas pemeriksaan oleh systems, as well as the effectiveness of audits conducted
auditor internal dan eksternal. Komite Audit melakukan by both internal and external auditors. This includes
pemantauan dan evaluasi terhadap perencanaan dan monitoring and evaluating the planning and execution
pelaksanaan audit untuk menilai kecukupan pengendalian of audits to assess the adequacy of internal controls,
internal, termasuk proses pelaporan keuangan. particularly in the financial reporting process.
Pembentukan Komite Audit di Tugu Insurance berpedoman The establishment of Tugu Insurance’s Audit Committee
pada Peraturan Otoritas Jasa Keuangan No. 55/ is based on the Financial Services Authority Regulation
POJK.04/2015 tentang Pembentukan dan Pedoman No. 55/POJK.04/2015 regarding the Establishment
Pelaksanaan Kerja Komite Audit, serta Peraturan Otoritas and Guidelines for the Work of the Audit Committee,
Jasa Keuangan No. 73/POJK.05/2016 tentang Penerapan and the Financial Services Authority Regulation No. 73/
Tata Kelola yang Baik bagi Perusahaan Perasuransian. POJK.05/2016 regarding the Implementation of Good
Corporate Governance for Insurance Companies.
Piagam Komite Audit Audit Committee Charter
Piagam Komite Audit adalah pedoman kerja Komite Audit The Audit Committee Charter outlines the operational
dalam melaksanakan fungsinya untuk membantu tugas procedures of the Audit Committee in carrying out its
pengawasan Dewan Komisaris. Dengan adanya piagam duties to assist the Board of Commissioners in their
tersebut, diharapkan tugas dan kewenangan Komite Audit supervisory role. This charter is designed to ensure that
dapat dilaksanakan secara profesional, efisien, efektif, the Audit Committee’s duties and authorities are executed
independen, serta bebas dari intervensi. in a professional, efficient, effective, independent, and
intervention-free manner.
Piagam Komite Audit disusun berdasarkan peraturan The Audit Committee Charter is a key part of Tugu
perundang-undangan yang berlaku dan merupakan Insurance’s Good Corporate Governance (GCG) Soft
bagian dari struktur tata kelola perusahaan Tugu Structure and is created in compliance with prevailing
Insurance. Piagam ini pertama kali disahkan oleh Dewan laws and regulations. Initially approved by the Board of
Komisaris pada 7 Mei 2014, dan telah dikaji ulang Commissioners on 7 May 2014, the charter is periodically
serta dimutakhirkan secara berkala. Pembaruan terakhir reviewed and updated. The most recent update was
disahkan oleh Dewan Komisaris pada 12 November 2021. approved on 12 November 2021.
Dalam Piagam Komite Audit Tugu Insurance diatur The Charter covers several important aspects, including
mengenai pembentukan, organisasi dan masa kerja, tugas, the formation, organization, and term of office of the
tanggung jawab dan wewenang, prosedur kerja, mekanisme Audit Committee, as well as its duties, responsibilities,
pelaporan, serta penanganan pengaduan. and authorities. Additionally, it outlines the work
procedures, reporting mechanisms, and the process for
handling complaints.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 277
Page 280
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Susunan, Dasar Pengangkatan, dan Masa Jabatan Komite Audit
Audit Committee Composition, Appointment and Term of Office
Anggota Komite Audit diangkat dan diberhentikan oleh The Audit Committee’s members are appointed and
Dewan Komisaris. Masa jabatan anggota Komite Audit dismissed by the Board of Commissioners. The term
tidak boleh melebihi masa jabatan Dewan Komisaris dan of office of the Audit Committee members may not
dapat dipilih kembali hanya untuk satu periode berikutnya, exceed the term of office of the Board of Commissioners
sesuai dengan ketentuan dalam Peraturan Otoritas Jasa and may be reappointed for only one subsequent
Keuangan, tanpa mengurangi hak Dewan Komisaris untuk period, as stipulated in the Financial Services Authority
memberhentikan anggota Komite Audit sewaktu-waktu. regulations, without prejudice to the right of the Board of
Commissioners to dismiss them at any time.
Komposisi Komite Audit terdiri dari seorang Ketua dan The Audit Committee consists of a Chairman and at
minimal 2 (dua) orang anggota. Ketua Komite Audit adalah least two (2) members. The Chairman of the Audit
Komisaris Independen, sementara anggotanya dapat terdiri Committee serves as an Independent Commissioner,
dari Komisaris dan/atau pihak luar yang independen. while the members may consist of Commissioners and/or
Ketua dan anggota Komite Audit diangkat oleh Dewan independent external parties. The Chairman and members
Komisaris berdasarkan persyaratan kompetensi dan of the Audit Committee are appointed by the Board of
kebutuhan Perseroan, dengan mengacu pada peraturan Commissioners based on competency requirements and
perundang-undangan yang berlaku. the Company’s needs, in accordance with applicable laws
and regulations.
Pada tahun 2024, susunan anggota Komite Audit telah In 2024, the composition of the Audit Committee was
disahkan dalam Surat Keputusan Dewan Komisaris No. approved in the Board of Commissioners Decree No.
No. 10/SKK-ATPI/X/2024 dan disampaikan kepada 10/SKK-ATPI/X/2024 and submitted to the Financial
Otoritas Jasa Keuangan melalui Surat No. 095/S/CRD- Services Authority (OJK) through Letter No. 095/S/CRD-
ATPI/X/2024 tanggal 3 Oktober 2024. ATPI/X/2024 dated 3 October 2024.
Adapun susunan keanggotaan Komite Audit Tugu Insurance The composition of the Audit Committee of Tugu Insurance
per 31 Desember 2024 adalah sebagai berikut: as of 31 December 2024 is as follows:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Poerwo Tjahjono Ketua Surat Keputusan Dewan Komisaris No. 09/SKK-ATPI/XII/2023 tanggal 1 Januari 2024-31 Desember
Chairman 29 Desember 2023 tentang Perubahan Susunan Anggota Komite 2026
Audit PT Asuransi Tugu Pratama Indonesia Tbk. 1 January 2024-31 December
Board of Commissioners Decree No. 09/SKK-ATPI/XII/2023 dated 29 2026
December 2023 regarding the Change in the Composition of the Audit
Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Dini Rosdini Anggota Surat Keputusan Dewan Komisaris No. 09/SKK-ATPI/XII/2023 tanggal 1 Januari 2024-14 Agustus
Member 29 Desember 2023 tentang Perubahan Susunan Anggota Komite 2024
Audit PT Asuransi Tugu Pratama Indonesia Tbk. 1 January 2024-14 August
Board of Commissioners Decree No. 09/SKK-ATPI/XII/2023 dated 29 2024
December 2023 regarding the Change in the Composition of the Audit
Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Bambang Suprihanto Anggota Surat Keputusan Dewan Komisaris No. 09/SKK-ATPI/XII/2023 tanggal 1 Januari 2024-31 Desember
Member 29 Desember 2023 tentang Perubahan Susunan Anggota Komite 2026
Audit PT Asuransi Tugu Pratama Indonesia Tbk. 1 January 2024-31 December
Board of Commissioners Decree No. 09/SKK-ATPI/XII/2023 dated 29 2026
December 2023 regarding the Change in the Composition of the Audit
Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Ari Marsudi Anggota Surat Keputusan Dewan Komisaris No. 10/SKK-ATPI/X/2024 tanggal 1 Oktober 2024-30 September
Member 1 Oktober 2024 tentang Perubahan Susunan Anggota Komite Audit PT 2027
Asuransi Tugu Pratama Indonesia Tbk. 1 October 2024-30 September
Board of Commissioners Decree No. 10/SKK-ATPI/X/2024 dated 1 2027
October 2024 regarding the Change in the Composition of the Audit
Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
278 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Profil Komite Audit
Audit Committee Profile
Nama Poerwo Tjahjono
Name
Jabatan Ketua Komite Audit
Position Chair of the Audit Committee
Keterangan Profil lengkap Bapak Poerwo Tjahjono dapat dilihat pada profile Dewan Komisaris pada Laporan Tahunan ini.
Description The full profile of Mr. Poerwo Tjahjono can be found in the Board of Commissioners profile section of this Annual
Report.
Nama Bambang Suprihanto
Name
Jabatan Anggota
Position Member
Masa Jabatan 1 Oktober 2024 s.d 30 September 2027
Term of Office 1 October 2024-30 September 2027
Kewarganegaraan Indonesia
Citizenship
Usia 58 tahun
Age 58 years old
Domisili Kota Bogor, Jawa Barat
Domicile
Pendidikan dan • Master in Financial Management, Universitas Jendral • Master in Financial Management, Universitas
Pelatihan Soedirman Jenderal Soedirman
Education and Training • Sarjana Ekonomi Manajemen, Universitas Gajah • Bachelor’s Degree in Economics Management,
Mada Universitas Gajah Mada
Riwayat Pekerjaan dan • Internasional Director PPTE Singapore (PPTE Tokyo • International Director, PPTE Singapore (PPTE Tokyo
Rangkap Jabatan Subsidiary) 2022 Subsidiary) (2022)
Work History and • President Director PPTE Tokyo (Pertamina Affiliate) • President Director, PPTE Tokyo (Pertamina Affiliate)
Concurrent Position 2022 (2022)
• Vice Presiden Gas, Power & NRE Business • Vice President Gas, Power & NRE Business
Development and Portofolio (2019-2022) Development and Portfolio (2019-2022)
• Vice President Corporete Action & Synergy (2018- • Vice President Corporate Action & Synergy (2018-
2019) 2019)
• Vice President Finance Project (2016-2018) • Vice President Finance Project (2016-2018)
• Vice President Treasury Pertamina Gas (2013-2016) • Vice President Treasury, Pertamina Gas (2013-2016)
• AR Manager (Controller) (2011-2013) • AR Manager (Controller) (2011-2013)
• Finance Manager Unit Pemasaran III & IV (2009- • Finance Manager, Unit Pemasaran III & IV (2009-
2011) 2011)
• SAP Project (2007-2008) • SAP Project (2007-2008)
• Controller Unit Pengolahan IV & V (2003-2007) • Controller, Unit Pengolahan IV & V (2003-2007)
Tidak memiliki rangkap jabatan di Tugu Insurance No concurrent positions in Tugu Insurance or other
maupun perusahaan/lembaga lain. companies/institutions.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
No affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling Shareholders.
Nama Ari Marsudi
Name
Jabatan Anggota
Position Member
Masa Jabatan 1 Oktober 2024 s.d 30 September 2027
Term of Office 1 October 2024-30 September 2027
Kewarganegaraan Indonesia
Citizenship
Usia 62 tahun
Age 62 years old
Domisili Tangerang Selatan, Banten
Domicile
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 279
Page 282
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendidikan dan Ekonomi Akuntansi, Universitas Gadjah Mada
Pelatihan Bachelor’s Degree in Accounting Economics, Universitas Gadjah Mada
Education and Training
Riwayat Pekerjaan dan • Nomination & Remuneration Committee, Board of • Nomination & Remuneration Committee, Board of
Rangkap Jabatan Commissioners, PT. Pertamina Hulu Energi (Juli Commissioners, PT Pertamina Hulu Energi (July
Work History and 2020-Agustus 2023) 2020-August 2023)
Concurrent Position • Risk Management & Human Resources Committee, • Risk Management & Human Resources Committee,
Board of Commissioners, PT. Pertamina Hulu Energi. Board of Commissioners, PT Pertamina Hulu Energi
(Oktober 2019-Juni 2020) (October 2019-June 2020)
• Vice President Financial Accounting & Reporting, • Vice President of Financial Accounting & Reporting,
Controller, Dit. Keuangan, PT. Pertamina (Persero) Controller, Finance Directorate, PT Pertamina
(Desember 2015-Juli 2018) (Persero) (December 2015-July 2018)
• Chief of Investment Committee, PT Asuransi Jiwa • Chief of Investment Committee, PT Asuransi Jiwa
Tugu Mandiri (Januari 2017-Juli 2018) Tugu Mandiri (January 2017-July 2018)
• Vice President Controller, Dit. Finance & Business • Vice President Controller, Finance & Business
Support, PT. Pertamina Hulu Energi (Juni Support Directorate, PT Pertamina Hulu Energi (June
2012-Desember 2015) 2012-December 2015)
• Manager General Accounting, Dit. Keuangan, • General Accounting Manager, Finance Directorate,
PT Pertamina (Persero) (Juli 2010-Juni 2012) PT Pertamina (Persero) (July 2010-June 2012)
• Manager Finance & Account, PCPP Operating Co. • Finance & Account Manager, PCPP Operating Co. Sd.
Sd. Bhd., Block SK 305, Malaysia (Januari 2006-Juni Bhd., Block SK 305, Malaysia (January 2006-June
2010) 2010)
• Finance Manager, Daerah Operasi Hulu Eksplorasi & • Finance Manager, Upstream Exploration & Production
Produksi Kalimantan, PT. Pertamina (Persero) (Juni Operations, Kalimantan Region, PT Pertamina
2005-Desember 2005) (Persero) (June 2005-December 2005)
• Head of Controller, Daerah Operasi Hulu Eksplorasi & • Head of Controller, Upstream Exploration &
Produksi Jawa Bagian Barat, PT. Pertamina (Persero) Production Operations, West Java Region,
(Maret 2004-Mei 2005) PT Pertamina (Persero) (March 2004-May 2005)
• Head of Controller, Daerah Operasi Hulu Eksplorasi • Head of Controller, Upstream Exploration &
& Produksi Prabumulih, PERTAMINA. (Desember Production Operations, Prabumulih, PERTAMINA
2001-Februari 2004) (December 2001-February 2004)
• Head of Controller, Daerah Operasi Hulu Eksplorasi • Head of Controller, Upstream Exploration &
& Produksi Jambi, PERTAMINA (Juli 1996-November Production Operations, Jambi, PERTAMINA (July
2001) 1996-November 2001)
• Supervisor Oil & Gas Accounting and Refinery • Supervisor of Oil & Gas Accounting and Refinery
Cost Reporting, Keuangan UP III Plaju, PERTAMINA Cost Reporting, Finance, UP III Plaju, PERTAMINA
(September 1992-Juni 1996) (September 1992-June 1996)
• Management Trainee: Bimbingan Profesi Sarjana • Management Trainee: Bachelor’s Degree Accounting
Akuntansi (BPSA), Dit. Finance, PERTAMINA (Oktober Professional Development Program (BPSA), Finance
1991-September 1992) Directorate, PERTAMINA (October 1991-September
• Lecturer of Economic & Business Faculty, Diponegoro 1992)
University, Semarang • Lecturer at the Faculty of Economics & Business,
• Auditor of Koperasi Jasa Audit, Semarang Diponegoro University, Semarang
• Auditor of KAP Tahrir Hidayat & Rekan, Semarang • Auditor at Koperasi Jasa Audit, Semarang
(Agustus 1988-September 1991) • Auditor at KAP Tahrir Hidayat & Rekan, Semarang
• Lecturer of Stikubank, Semarang (September 1987- (August 1988-September 1991)
Juli 1988) • Lecturer at Stikubank, Semarang (September 1987-
July 1988)
Tidak memiliki rangkap jabatan di Tugu Insurance Does not hold concurrent positions at Tugu Insurance or
maupun perusahaan/lembaga lain. any other company/institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
No affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling Shareholders.
280 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Persyaratan dan Kualifikasi Anggota Komite Audit
Terms and Qualifications of Audit Committee Members
Sebagai perusahaan terbuka, Tugu Insurance tunduk pada As a public company, Tugu Insurance has complied with
Peraturan Otoritas Jasa Keuangan No. 55/POJK.04/2015 POJK No. 55/POJK.04/2015 dated 23 December 2015
tanggal 23 Desember 2015 ("POJK No. 55/2015") (“POJK No. 55/2015”) concerning the Establishment
tentang Pembentukan dan Pedoman Pelaksanaan Kerja and Work Guidelines of the Audit Committee. Pursuant
Komite Audit. Sesuai dengan POJK No. 55/2015, anggota to POJK No. 55/2015, the members of Tugu Insurance’s
Komite Audit Tugu Insurance telah mematuhi ketentuan Audit Committee have adhered to the applicable rules
yang berlaku dan memenuhi persyaratan yang ditetapkan. and requirements.
Anggota Komite Audit Perseroan juga telah memenuhi The Company’s Audit Committee members have also met
kualifikasi pendidikan dan pengalaman kerja yang relevan, the educational qualifications and relevant work experience
yang wajib dimiliki oleh anggota Komite Audit perusahaan that must be held by members of the Audit Committee of
perasuransian, sebagai berikut: an insurance company, as follows:
Kriteria Poewo Bambang
Dini Rosdini Ari Marsudi
Criteria Tjahjono Suprihanto
Memiliki integritas yang tinggi, kemampuan, pengetahuan, dan
pengalaman yang memadai sesuai dengan latar belakang pendidikan,
serta mampu berkomunikasi dengan baik, termasuk menyediakan waktu
untuk melaksanakan tugasnya.
Have high integrity, ability, knowledge, and adequate experience in
accordance with their educational background, as well as the ability to
communicate effectively, including allocating time to carry out their duties.
Memiliki pengetahuan yang cukup untuk membaca dan memahami
laporan keuangan.
Have sufficient knowledge to read and understand financial statements.
Memahami peraturan perundang-undangan di bidang perasuransian serta
peraturan lain yang relevan.
Understand the laws and regulations in the insurance sector and other
relevant legislation.
Memiliki pengetahuan yang baik mengenai kondisi keuangan perusahaan
asuransi serta senantiasa meningkatkan kompetensi melalui pendidikan
dan pelatihan.
Have good knowledge of the financial condition of the insurance company
and continuously improve competence through education and training.
Memiliki pengetahuan yang baik mengenai kepentingan pemegang polis,
tertanggung, peserta, dan/atau pihak yang berhak memperoleh manfaat.
Have good knowledge about the interests of policyholders, insured,
participants, and/or parties entitled to benefit.
Bertindak objektif, yaitu melaksanakan dan melaporkan tugas secara
bebas dan independen.
Act objectively by carrying out and reporting assignments freely and
independently.
Memiliki sikap objektif yang tercermin dalam hasil kerja yang andal,
profesional, dapat dipercaya, dan bebas pengaruh dari pihak luar.
Have an objective attitude, as reflected in the work that is reliable,
professional, trustworthy, and free of influence from external parties.
Tidak mempunyai hubungan afiliasi dengan anggota Direksi, anggota
Dewan Komisaris, anggota Dewan Pengawas Syariah, dan/atau pemegang
saham Perseroan.
Not affiliated with members of the Board of Directors, members of the
Board of Commissioners, members of the Sharia Supervisory Board, and/
or the Company’s shareholders.
Tidak pernah menjadi anggota Direksi, anggota Dewan Komisaris, anggota
Dewan Pengawas Syariah, atau menduduki jabatan 1 (satu) tingkat di
bawah Direksi di Perseroan atau perusahaan lain yang memiliki hubungan
afiliasi dengan Perseroan dalam kurun waktu 2 (dua) tahun terakhir.
Have never been a member of the Board of Directors, a member of the
Board of Commissioners, a member of the Sharia Supervisory Board, or
occupying 1 (one) level below the Board of Directors in the Company or
another company that has an affiliation with the Company in the last 2
(two) years.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 281
Page 284
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kriteria Poewo Bambang
Dini Rosdini Ari Marsudi
Criteria Tjahjono Suprihanto
Tidak pernah menjadi anggota Direksi, anggota Dewan Komisaris, atau
anggota Dewan Pengawas Syariah dari suatu:
• Perusahaan Perasuransian yang dikenakan sanksi pembatasan
kegiatan usaha dalam jangka waktu 3 (tiga) tahun sebelum
pengangkatan;
• Perusahaan di bidang jasa keuangan yang dicabut izin usahanya
karena melakukan pelanggaran dalam jangka waktu 3 (tiga) tahun
sebelum pengangkatan;
• Perusahaan di bidang jasa keuangan atau di bidang non-jasa
keuangan yang dinyatakan pailit dan telah berkekuatan hukum tetap
dalam jangka waktu 5 (lima) tahun sebelum pengangkatan; dan/atau
• Perusahaan yang mengalami kerugian yang disebabkan kesalahan
atau kelalaiannya dalam jangka waktu 5 (lima) tahun sebelum
pengangkatan.
Have never been a member of the Board of Directors, a member of the
Board of Commissioners, or a member of the Sharia Supervisory Board
of:
• Insurance companies that are subject to the sanctions of business
activities limitation within a period of 3 (three) years prior to the
appointment;
• Companies in the field of financial services whose business licenses
have been revoked due to violations within 3 (three) years prior to
appointment;
• Companies in the field of financial services or in the non-financial
services sector that are declared bankrupt and have permanent legal
force within a period of 5 (five) years prior to appointment; and/or
• Companies that have suffered losses due to errors or omissions
within a period of 5 (five) years prior to appointment.
Berdomisili di Indonesia
Domiciled in Indonesia
Independensi Komite Audit
Independence of Audit Committee
Untuk menjaga independensinya, Komite Audit diketuai To maintain its independence, the Audit Committee
oleh Komisaris Independen dan anggotanya tidak is chaired by an Independent Commissioner, and its
memiliki benturan kepentingan yang dapat mempengaruhi members have no conflicts of interest that affect their
kemandiriannya dalam menjalankan tugas. Mereka tidak independence in carrying out their duties. They do not
memiliki hubungan darah dengan anggota Komite Audit have blood relations with fellow members of the Audit
lainnya, Direksi, atau Pemegang Saham hingga derajat Committee, the Board of Directors, or Shareholders up
ketiga, baik secara vertikal maupun horizontal, atau to the third degree of consanguinity, either vertically or
melalui ikatan perkawinan. Selain itu, mereka juga tidak horizontally, or through marital relationships, and they do
memiliki hubungan keuangan dengan pihak-pihak tersebut. not have financial relationships with any of these parties.
Demikian pula, anggota lain dari Komite Audit adalah Similarly, the other members of the Audit Committee
pihak eksternal yang tidak memiliki hubungan keuangan, are external parties who have no financial, managerial,
pengelolaan, kepemilikan saham, dan/atau hubungan shareholding, and/or familial relations with the Board of
keluarga dengan Dewan Komisaris, Direksi, dan/atau Commissioners, the Board of Directors, or the controlling
Pemegang Saham Pengendali, atau hubungan lain yang Shareholders, nor any other relationships that could
dapat mempengaruhi kemampuannya untuk bertindak influence their ability to act independently.
secara independen.
Independensi anggota Komite Audit dapat dilihat dalam The independence of the Audit Committee members is
tabel berikut: outlined in the following table:
282 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tabel Hubungan Kekeluargaan dan Hubungan Keuangan
Table of the Familial and Financial Relationships
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan Dewan Dewan
Description Direksi Pemegang Direksi Pemegang
Komisaris Komisaris
Board of Saham Board of Saham
Board of Board of
Directors Shareholders Directors Shareholders
Commissioners Commissioners
Poerwo Tjahjono
Dini Rosdini 1)
Bambang Suprihanto
Ari Marsudi 2)
1)
Tidak lagi menjabat sebagai Anggota Komite Audit sejak tanggal 14 Agustus 2024
No longer serving as a Member of the Audit Committee as of 14 August 2024
2)
Efektif menjabat sebagai Anggota Komite Audit sejak 1 Oktober 2024
Effectively appointed as a Member of the Audit Committee starting 1 October 2024
Tabel Independensi
Independence Table
Aspek Independensi Poerwo Bambang
Dini Rosdini Ari Marsudi
Independence Aspect Tjahjono Suprihanto
Bukan merupakan orang dalam Kantor Akuntan Publik, Kantor
Konsultan Hukum, Kantor Jasa Penilai Publik, atau pihak lain yang
memberi jasa asuransi, jasa non-asuransi, jasa penilai, dan/atau
jasa konsultasi lain kepada Emiten atau Perusahaan Publik yang
bersangkutan dalam waktu 6 (enam) bulan terakhir.
Not a member of a Public Accounting Firm, Legal Consulting
Firm, Public Appraisal Service Office, or other parties that provide
insurance, non-insurance, appraisal services, and/or other
consulting services to the Issuer or Public Company concerned
within the last 6 (six) months.
Bukan merupakan orang yang bekerja atau mempunyai
wewenang dan tanggung jawab untuk merencanakan, memimpin,
mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan
Publik tersebut dalam waktu 6 (enam) bulan terakhir, kecuali
Komisaris Independen.
Not a person who works or has the authority and responsibility to
plan, lead, control, or supervise the activities of the Issuer or Public
Company within the last 6 (six) months, except for an Independent
Commissioner.
Tidak mempunyai saham, baik langsung maupun tidak langsung,
pada Emiten atau Perusahaan Publik.
Does not have direct or indirect shares in the Issuer or Public
Company.
Tidak mempunyai hubungan afiliasi dengan anggota Dewan
Komisaris, anggota Direksi, atau Pemegang Saham Utama Emiten
atau Perusahaan Publik.
Does not have affiliation with members of the Board of
Commissioners, members of the Board of Directors, or the Majority
Shareholders of the Issuer or Public Company.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak
langsung, yang berkaitan dengan kegiatan usaha Emiten atau
Perusahaan Publik.
Does not have a business relationship, either directly or indirectly,
with the business activities of the Issuer or Public Company.
Tidak menjabat sebagai pengurus partai politik atau pejabat
pemerintah daerah.
Does not serve as an administrator of political parties or a local
government official.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tugas dan Tanggung Jawab Komite Audit
Duties and Responsibilities of the Audit Committee
Komite Audit bertugas untuk memberikan pendapat atau The Audit Committee is responsible for providing opinions
saran kepada Dewan Komisaris terhadap laporan atau or suggestions to the Board of Commissioners regarding
hal-hal yang disampaikan oleh Direksi kepada Dewan reports or matters submitted by the Board of Directors.
Komisaris. Komite Audit juga senantiasa mengidentifikasi The Audit Committee also continuously identifies issues
hal-hal yang memerlukan perhatian Dewan Komisaris, dan that require the Board of Commissioners’ attention
melaksanakan tugas-tugas lain yang berkaitan dengan and performs other duties related to the Board of
tugas Dewan Komisaris, antara lain meliputi: Commissioners’ responsibilities, including the following:
1. Laporan Keuangan 1. Financial Reports
a. Melakukan penelaahan atas informasi keuangan a. Reviewing the adequacy of financial information
yang akan dikeluarkan Perseroan kepada publik released by the Company to the public and/
dan/atau pihak otoritas, antara lain laporan or authorities, including financial statements,
keuangan, proyeksi, dan laporan lainnya terkait projections, and other reports related to the
dengan informasi keuangan Perseroan; Company’s financial information;
b. Memberikan rekomendasi kepada Dewan Komisaris b. Providing recommendations to the Board of
mengenai penunjukan akuntan publik dan kantor Commissioners on the appointment of public
akuntan publik yang didasarkan pada independensi, accountants and public accounting firms based on
ruang lingkup penugasan, dan imbalan jasa, untuk independence, scope of work, and remuneration for
audit umum atas laporan keuangan Perseroan, general audits of the Company’s financial reports,
mengusulkan biaya jasa audit serta mengawasi proposing audit service fees, and overseeing the
pekerjaan audit yang dilakukan, termasuk audit work, including recommending the termination
mengusulkan penghentian akuntan publik dan/atau of the relationship with a public accountant and/or
kantor akuntan publik; public accounting firm;
c. Memberikan persetujuan awal (pre-approval) untuk c. Granting pre-approval for non-audit services to be
jasa non-audit yang akan ditugaskan kepada assigned to independent auditors;
auditor independen;
d. Memantau dan memastikan bahwa auditor d. Monitoring and ensuring that the independent
independen telah melakukan audit atas laporan auditor has conducted the audit of the financial
keuangan sesuai dengan Standar Profesional statements in accordance with the Professional
Akuntan Publik; Standards for Public Accountants;
e. Memberikan pendapat independen jika terjadi e. Providing an independent opinion in cases of
perbedaan pendapat antara manajemen dan disagreement between management and the
akuntan atas jasa yang diberikannya; auditor regarding the services provided;
f. Mengusulkan pemutusan hubungan kerja dengan f. Proposing the termination of the relationship
auditor independen kepada Dewan Komisaris jika: with the independent auditor to the Board of
Commissioners if:
i. Terdapat indikasi kuat bahwa independensi i. There are strong indications that the
auditor independent diragukan; independence of the independent auditor has
been compromised;
ii. Terbukti bahwa auditor independen tidak ii. It is proven that the independent auditor has
melakukan audit sesuai dengan Standar not conducted the audit according to the
Profesional Akuntan Publik setelah mendapat Professional Standards for Public Accountants
teguran resmi dari Komite Audit. after receiving a formal warning from the
Audit Committee.
2. Sistem Pengendalian Internal 2. Internal Control Systems
a. Melakukan penelaahan atas ketaatan terhadap a. Reviewing compliance with laws and regulations
ketentuan peraturan perundang-undangan yang related to the Company’s activities;
berhubungan dengan kegiatan Perseroan;
b. Melakukan penelaahan atas kecukupan usaha b. Reviewing the adequacy of management’s efforts
manajemen dalam mendesain dan melaksanakan to design and implement an effective internal
sistem pengendalian internal yang efektif; control system;
c. Melakukan penelaahan atas pelaksanaan c. Reviewing the implementation of internal audits and
pemeriksaan oleh auditor internal dan mengawasi monitoring the follow-up actions taken by the Board
pelaksanaan tindak lanjut oleh Direksi atas temuan of Directors on internal audit findings; and
auditor internal; dan
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d. Memastikan pengendalian internal dilakukan d. Ensuring that the internal control system is
dengan baik. implemented properly.
3. Koordinasi dengan Audit Internal 3. Coordination with Internal Audit
Melakukan koordinasi dengan auditor internal dalam Coordinating with internal auditors in the execution of
pelaksanaan tugasnya. their duties.
4. Manajemen Risiko dan Kepatuhan terhadap Peraturan 4. Risk Management and Compliance with Legislation
Perundang-Undangan
a. Melakukan pemantauan terhadap efektivitas a. Monitoring the effectiveness of management’s
manajemen dalam upaya penilaian dan pengelolaan efforts in assessing and managing risks, as well as
risiko serta kepatuhan terhadap peraturan ensuring compliance with laws and regulations;
perundang-undangan;
b. Melakukan penelaahan terhadap aktivitas b. Reviewing the implementation of risk management
pelaksanaan manajemen risiko yang dilakukan activities carried out by the Board of Directors and
oleh Direksi, dan berkoordinasi dengan Komite coordinating with the Risk Monitoring Committee.
Pemantau Risiko.
5. Pengaduan kepada Perusahaan (Whistleblower) 5. Complaints to the Company (Whistleblower Mechanism)
a. Melakukan pemantauan terhadap efektivitas a. Monitoring the effectiveness of the whistleblower
mekanisme pengaduan dari pegawai atau pihak mechanism for complaints from employees or third
ketiga yang dilakukan oleh manajemen; parties handled by management.
b. Menelaah pengaduan yang berkaitan b. Reviewing complaints related to accounting and the
dengan proses akuntansi dan pelaporan Company’s financial reporting processes.
keuangan Perseroan.
6. Kerahasiaan Dokumen dan Informasi 6. Confidentiality of Documents and Information
Menjaga kerahasiaan dokumen, data, dan Ensuring the confidentiality of company documents,
informasi perusahaan. data, and information.
Program Pengembangan Kompetensi Komite Audit
Audit Committee Competency Enhancement
Komite Audit telah mengikuti program peningkatan The competency enhancement programs participated
kompetensi sepanjang tahun 2024, antara lain: by the Audit Committee members throughout 2024 are
as follows:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Poerwo Tjahjono Ketua Informasi peningkatan kompetensi/pelatihan Bapak Poerwo Tjahjono dapat dilihat pada informasi
Chairman peningkatan kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Information on Mr. Poerwo Tjahjono's competency development/training can be found in the
competency development/training information for the Board of Commissioners members in this
governance chapter
Bambang Suprihanto Anggota 5 Maret Online via Zoom Analisa Laporan Keuangan Perusahaan Widya Dharma Artha
Member 2024 Asuransi Berbasis PSAK 74 dan Dampaknya (WDA)
5 March Bagi Perkembangan Industri Asuransi
2024 Analysis of Insurance Company Financial
Statements Based on PSAK 74 and Its
Impact on the Development of the Insurance
Industry
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rapat dan Tingkat Kehadiran Komite Audit
Audit Committee Meeting and Attendance Rate
Komite Audit mengadakan rapat secara berkala minimal 1 meeting can be conducted if attended by more than
(satu) kali dalam 3 (tiga) bulan. Rapat dapat dilaksanakan half of the total members. Decisions made in the
apabila dihadiri oleh lebih dari 1/2 (setengah) jumlah Audit Committee meetings are based on consensus
anggota. Keputusan rapat Komite Audit diambil through deliberation.
berdasarkan musyawarah untuk mufakat.
Pada tahun 2024, Komite Audit telah mengadakan 43 In 2024, the Audit Committee held 43 (forty-three)
(empat puluh tiga) rapat, termasuk rapat gabungan meetings, including joint sessions with the Risk Monitoring
dengan Komite Pemantau Risiko dan Komite Nominasi dan Committee and the Nomination and Remuneration
Remunerasi, serta rapat dengan manajemen. Sebagian Committee, as well as meetings with management. Some
rapat-rapat tersebut diselenggarakan secara daring melalui of these meetings were held online via Microsoft Teams
Microsoft Teams (MTeams). (MTeams).
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Poerwo Tjahjono 43 43 100% 1
Bambang Suprihanto 43 42 95% 1
Dini Rosdini 1) 22 20 100% 2
Ari Marsudi 2) 16 16 100% -
1)
Tidak menjabat lagi sebagai Anggota Komite Audit terhitung sejak tanggal 14 Agustus 2024
No longer serving as a Member of the Audit Committee effective from 14 August 2024
2)
Efektif menjabat sebagai Anggota Komite Audit terhitung sejak tanggal 1 Oktober 2024
Effectively serving as a Member of the Audit Committee starting from 1 October 2024
Laporan Pelaksanaan Tugas Komite Audit
Report on the Implementation of Audit Committee’s Duties
Sepanjang tahun 2024, Komite Audit telah melaksanakan
berbagai tugasnya dengan rincian sebagai berikut: The report on the implementation of the Audit Committee’s
1. Pengawasan terhadap Pengendalian Internal duties in 2024 is as follows:
a. Pembahasan Revisi RKAP 2024, Pembahasan 1. Supervision of Internal Control
Rancangan RKAP dan KPI Perseroan Tahun 2025. a. Discussion on the 2024 RKAP Revision, Draft
Komite Audit melakukan pembahasan Revisi RKAP, and Company KPI for 2025. The Audit
RKAP 2024, Pembahasan Rancangan RKAP dan Committee conducted discussions on the 2024
KPI Perseroan Tahun 2025 bersama dengan RKAP Revision, the Draft RKAP, and the Company’s
Komite lainnya dan dengan pihak manajemen, KPI for 2025 together with other committees and
sebelum dibahas di hadapan Dewan Komisaris management before being presented to the Board
untuk disetujui. of Commissioners for approval.
b. Rapat Berkala dengan Auditor Internal telah
dilakukan rapat dengan Audit Internal sesuai b. Regular Meetings with Internal Auditors were
dengan rencana kerja antara lain terkait dengan held as per the work plan, covering general and
hasil audit umum maupun khusus dan rencana specific audit results, the ongoing year’s work plan,
kerja tahun berjalan, progres pelaksanaan PKPT progress on the 2024 PKPT (Annual Audit Work
(Program Kerja Pemeriksaan Tahunan) 2024, Program) implementation, and preparations for
serta persiapan implementasi PSAK 117. Selain PSAK 117 implementation. Additionally, meetings
itu juga dilakukan rapat dengan manajemen were conducted with management regarding the
terkait implementasi tata kelola perusahaan implementation of good corporate governance,
yang baik, proses bisnis, dan analisis kinerja business processes, and the company’s monthly
bulanan Perseroan. performance analysis.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
2. Pemantauan Tindak Lanjut Temuan Auditor Komite
Audit melakukan rapat dengan Audit Internal untuk 2. The Audit Committee held meetings with Internal
memonitor tindak lanjut temuan auditor eksternal. Audit to monitor the follow-up actions on external
3. Rekomendasi Penunjukan Auditor Eksternal auditor findings.
Sesuai ketentuan OJK, Komite Audit memberikan 3. In accordance with OJK regulations, the Audit
rekomendasi penunjukan Auditor Eksternal untuk Tahun Committee provided recommendations for the
Buku 2024 dengan memperhatikan hasil evaluasi dan appointment of the External Auditor for the 2024 Fiscal
pengawasan terhadap kinerja auditor eksternal. Year, taking into account the evaluation and oversight
4. Kesesuaian Laporan Keuangan dengan Standar of the external auditor’s performance.
Akuntansi yang Berlaku 4. Compliance of Financial Statements with Applicable
a. Reviu Laporan Manajemen Accounting Standards
Komite Audit melakukan reviu atas Laporan a. Review of Management Reports
Manajemen mengenai perkembangan kinerja The Audit Committee reviewed the Management
keuangan perusahaan. Hasil reviu disampaikan Report concerning the company’s financial
dalam rapat dengan Dewan Komisaris sebagai performance. The review findings were presented
masukan bagi Dewan Komisaris dalam melakukan in a meeting with the Board of Commissioners
peran pengawasan terhadap Direksi. as input for the Board’s supervisory role over the
b. Pendalaman Isu Sementara dalam Audit Laporan Board of Directors.
Keuangan b. In-Depth Analysis of Interim Issues in Financial
Dalam setiap proses audit laporan keuangan, Statement Audits
Komite Audit bersama dengan Dewan Komisaris Throughout the financial statement audit process,
melakukan pemantauan atas proses audit. Komite the Audit Committee, together with the Board of
Audit mengadakan pertemuan dengan auditor Commissioners, monitored the audit process.
eksternal dan memantau hasil temuan audit The Audit Committee held meetings with external
Laporan Keuangan. Untuk setiap isu yang muncul auditors and reviewed audit findings on the
dalam audit, anggota Komite Audit melakukan Financial Statements. For any issues arising during
pendalaman atas isu tersebut sesuai dengan the audit, Audit Committee members conducted
Standar Akuntansi yang berlaku dan menelaah an in-depth analysis in accordance with applicable
dampaknya terhadap laporan keuangan. Accounting Standards and assessed their impact
c. Melakukan penelaahan informasi yang akan on the financial statements.
dipublikasikan oleh Perseroan. c. Review of Information to Be Published by
the Company.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4.B
Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee
Untuk memenuhi ketentuan dalam Peraturan OJK No. 34/ In accordance with OJK Regulation No. 34/POJK.04/2014
POJK.04/2014 tentang Komite Nominasi dan Remunerasi on the Nomination and Remuneration Committee for
Emiten atau Perusahaan Publik (“POJK No. 34/2014”), Issuers or Public Companies (“POJK No. 34/2014”),
Tugu Insurance telah membentuk Komite Nominasi Tugu Insurance has established a Nomination and
dan Remunerasi yang berada di bawah naungan dan Remuneration Committee that operates under and is
bertanggung jawab kepada Dewan Komisaris. accountable to the Board of Commissioners.
Komite Nominasi dan Remunerasi memiliki tugas dan The Nomination and Remuneration Committee is tasked
tanggung jawab untuk mendukung pelaksanaan fungsi with supporting the Board of Commissioners in performing
serta tugas Dewan Komisaris terkait aspek Nominasi dan its functions and duties related to nominations and
Remunerasi, baik di tingkat Dewan Komisaris, Direksi, remuneration. This includes responsibilities at the Board
anggota Komite di bawah Dewan Komisaris, hingga posisi of Commissioners level, the Board of Directors, committee
dua tingkat di bawah Direksi Perseroan. members under the Board of Commissioners, and roles up
to two levels below the Company’s Board of Directors.
Piagam Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Charter
Pelaksanaan tata kerja Komite Nominasi dan The Nomination and Remuneration Committee performs
Remunerasi diatur dalam Piagam Komite, yang secara its duties and responsibilities in accordance with the
berkala diperbarui dan disempurnakan sesuai dengan Nomination and Remuneration Committee Charter, which
perkembangan peraturan perundang-undangan yang is regularly refined and updated to align with the latest
berlaku serta kondisi terkini. Piagam Komite Nominasi dan developments in applicable laws, regulations, and current
Remunerasi terakhir diperbarui dan disempurnakan pada 4 conditions. The most recent update and enhancement of
Oktober 2022, dengan pengesahan oleh Dewan Komisaris. the Nomination and Remuneration Committee Charter was
approved by the Board of Commissioners on 4 October
2022.
Piagam tersebut mencakup ketentuan terkait This Charter outlines provisions regarding the
pembentukan, struktur organisasi dan masa kerja, establishment, organizational structure, term of office, as
serta tugas, tanggung jawab, dan wewenang dari Komite well as the duties, responsibilities, and authority of the
Nominasi dan Remunerasi. Nomination and Remuneration Committee.
Susunan, Dasar Pengangkatan, dan Masa Jabatan Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Composition, Appointment, and Term of Office
Ketentuan atas komposisi dan keanggotaan Komite The composition and membership of the Company
Nominasi dan Remunerasi, sebagai berikut: Nomination and Remuneration Committee are as follows:
1. Komite Nominasi dan Remunerasi terdiri atas 1. The Nomination and Remuneration Committee must
paling sedikit 3 (tiga) orang anggota, dengan rincian consist of at least 3 (three) members, with the
sebagai berikut: following stipulations:
a. Ketua merangkap anggota: Seorang a. Chairman: 1 (one) individual serving concurrently as
Komisaris Independen. an Independent Commissioner.
b. Anggota lainnya dapat berasal dari: b. Other members may include:
i. Anggota Dewan Komisaris; i. Members of the Board of Commissioners;
ii. Pihak eksternal dari Emiten atau Perusahaan ii. External parties from outside the Issuer or
Publik; atau Public Company; or
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Audited Report
iii. Pihak yang memegang posisi manajerial di iii. Individuals holding managerial positions
bawah Direksi yang bertanggung jawab atas under the Board of Directors responsible for
sumber daya manusia. human resources.
c. Mayoritas anggota Komite Nominasi dan c. The majority of the members must not come
Remunerasi tidak boleh berasal dari pihak yang from individuals holding managerial positions
memegang posisi manajerial di bawah Direksi yang under the Board of Directors responsible for
bertanggung jawab atas sumber daya manusia. human resources.
2. Anggota Komite Nominasi dan Remunerasi dari luar 2. Members of the Nomination and Remuneration
Emiten atau Perusahaan Publik harus memenuhi Committee who are external to the Issuer or Public
persyaratan berikut: Company must meet the following criteria:
a. Tidak memiliki hubungan afiliasi dengan Emiten a. They must not have any affiliation with the Issuer
atau Perusahaan Publik, anggota Direksi, anggota or Public Company, members of the Board of
Dewan Komisaris, atau Pemegang Saham Utama Directors, members of the Board of Commissioners,
Emiten atau Perusahaan Publik tersebut; or the Majority Shareholders of the Issuer or
Public Company;
b. Memiliki pengalaman yang relevan dengan bidang b. They must have relevant experience in Nomination
Nominasi dan/atau Remunerasi; and/or Remuneration;
c. Tidak merangkap jabatan sebagai anggota komite c. They must not concurrently serve as members
lainnya di Emiten atau Perusahaan Publik tersebut. of other committees within the Issuer or
Public Company.
Pada tahun 2024, susunan anggota Komite Nominasi dan In 2024, the composition of the Nomination and
Remunerasi telah ditetapkan melalui Surat Keputusan Remuneration Committee was established through the
Dewan Komisaris No. 02/SKK-ATPI/I/2024 pada tanggal Board of Commissioners’ Decree No. 02/SKK-ATPI/I/2024
19 Januari 2024. dated 19 January 2024.
Pada tahun 2024, susunan keanggotaan Komite Nominasi In 2024, the membership composition of the Tugu
dan Remunerasi Tugu Insurance adalah sebagai berikut: Insurance’s Nomination and Remuneration Committee is
as follows:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Dian Masyita 1) Ketua Surat Keputusan Dewan Komisaris No. 01/SKK-ATPI/IV/2023 tanggal 28 28 April 2023
Chairman April 2023 tentang Perubahan Susunan Anggota Komite Nominasi dan
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk.
Board of Commissioners' Decree No. 01/SKK-ATPI/IV/2023 dated 28 April
2023 concerning the Changes in the Composition of the Nomination and
Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Tajudin Noor 2) Ketua Surat Keputusan Dewan Komisaris No. 02/SKK-ATPI/I/2024 tanggal 19 18 Januari 2024
Chairman Januari 2024 tentang Perubahan Susunan Anggota Komite Nominasi dan 18 January 2024
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk.
Board of Commissioners' Decree No. 02/SKK-ATPI/I/2024 dated 19
January 2024 concerning the Changes in the Composition of the Nomination
and Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Zaäfri Ananto Husodo Anggota Surat Keputusan Dewan Komisaris No. 11/SKK-ATPI/XII/2023 tanggal 29 1 Januari 2024 s.d 31
Member Desember 2023 tentang Perubahan Susunan Anggota Komite Nominasi dan Desember 2026
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk. 1 January 2024 – 31
Board of Commissioners' Decree No. 11/SKK-ATPI/XII/2023 dated December 2026
29 December 2023 concerning the Changes in the Composition of the
Nomination and Remuneration Committee of PT Asuransi Tugu Pratama
Indonesia Tbk.
Arinto Setyo Anggota Surat Keputusan Dewan Komisaris No. 11/SKK-ATPI/XII/2023 tanggal29 1 Januari 2024 s.d 31
Mulyawan Member Desember 2023 tentang Pengangkatan Kembali Komite Nominasi dan Desember 2026
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk. 1 January 2024 – 31
Board of Commissioners' Decree No. 11/SKK-ATPI/XII/2023 dated 29 December 2026
December 2023 concerning the Reappointment of the Nomination and
Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak tanggal 18 Januari 2024
No longer serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 18 Januari 2024
Effectively serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Profil Komite Nominasi dan Remunerasi Per 31 Desember 2024
Profile of Member of the Nomination and Remuneration Committee as of 31 December 2024
Nama Tajudin Noor
Name
Jabatan Ketua Komite Nominasi dan Remunerasi
Position Chairman of the Nomination and Remuneration Committee
Keterangan Profil lengkap Bapak Tajudin Noor dapat dilihat pada profile Dewan Komisaris pada Laporan Tahunan ini.
Description The full profile of Mr. Tajudin Noor can be found in the Board of Commissioners' profile section of this Annual Report.
Nama Zaäfri Ananto Husodo
Name
Jabatan Anggota Komite Nominasi dan Remunerasi
Position Member of the Nomination and Remuneration Committee
Masa Jabatan 1 Januari 2024 s.d 31 Desember 2026
Term of Office 1 January 2024 – 31 December 2026
Kewarganegaraan Indonesia
Citizenship
Usia 50 tahun
Age 50 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan • Doctor (PhD) bidang keuangan dan perbankan dari • Doctor (PhD) in Finance and Banking from the
Pelatihan Australian School of Business, UNSW (2008) dengan Australian School of Business, UNSW (2008),
Education and Training spesialisasi risiko dalam sistem keuangan. specializing in risk in the financial system.
• Magister Manajemen bidang keuangan dan • Master of Management in Finance and Banking
perbankan dari Universitas Indonesia (2000) dengan from Universitas Indonesia (2000), specializing in
spesialisasi diseminasi informasi di pasar modal. information dissemination in the capital market.
• Sarjana Ekonomi bidang sumber daya manusia • Bachelor of Economics in Human Resources from
dari Universitas Sebelas Maret (1997) dengan Universitas Sebelas Maret (1997), specializing in
spesialisasi perencanaan sumber daya manusia human resource planning in the public sector.
pada sektor publik. • Holds Certified Enterprise Risk Governance (CERG)
• Mempunyai Sertifikasi Certified Enterprise Risk and Qualified Risk Governance Professional (QRGP)
Governance (CERG), Sertifikasi Qualified Risk certifications.
Governance Professional (QRGP).
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Audited Report
Riwayat Pekerjaan dan • Menjabat sebagai Dewan Pengawas untuk Nord • Serving as a Supervisory Board Member for Nord
Rangkap Jabatan Anglia Education Jakarta sejak 2013 untuk menjalin Anglia Education Jakarta since 2013, responsible
Work History and dan menjaga hubungan kerja sama dengan institusi for establishing and maintaining collaborations
Concurrent Position di Indonesia, monitoring operasional sekolah dari with institutions in Indonesia, monitoring school
sisi komposisi SDM, kinerja keuangan dan risiko operations in terms of human resource composition,
operasional. financial performance, and operational risks.
• Ketua Program Pascasarjana Ilmu Manajemen • Chair of the Graduate Program in Management
sejak 2022, mengelola sumber daya manusia since 2022, managing human resources and
dan mahasiswa/i, melakukan manajemen risiko students, overseeing operational risk management,
operasional, pengembangan dan pengelolaan curriculum development and management, and
kurikulum serta menjalin dan menjaga kerjasama fostering collaborations with local and international
dengan institusi lokal dan internasional. institutions.
• Sekretaris Progam Studi Pascasarjana Ilmu • Secretary of the Graduate Program in Management
Manajemen sejak 2018-2022, mengelola operasi from 2018 to 2022, responsible for internal program
internal program studi, manajemen sumber daya operations, human resource management, and
manusia interal, mengelola adminstrasi akademik academic administration.
program studi. • Served as a Special Staff to the Vice-Rector II
• Menjadi staf khusus Wakil Rektor II di tahun 2014- from 2014 to 2018, focusing on financial analysis
2018 dalam bidang analisis keuangan dan proses and business process management at Universitas
bisnis Universitas Indonesia. Indonesia.
• Research Advisor dalam membangun research-based • Research Advisor since 2003, contributing to
policy sejak 2003 untuk Bank Indonesia, Otoritas research-based policy development for Bank
Jasa Keuangan, dan Kementerian Keuangan. Indonesia, the Financial Services Authority (OJK), and
the Ministry of Finance.
Rangkap Jabatan:
• Dewan Pengawas untuk Nord Anglia Education Concurrent Positions:
Jakarta sejak 2013 untuk menjalin dan menjaga • Supervisory Board Member for Nord Anglia Education
hubungan kerja sama dengan institusi di Indonesia, Jakarta since 2013, overseeing institutional
monitoring operasional sekolah dari sisi komposisi collaborations, human resource composition,
SDM, kinerja keuangan dan risiko operasional. financial performance, and operational risk
• Aktif sebagai pengelola program pascasarjana ilmu management.
manajemen sejak 2009 di FEB-UI serta sebagai • Actively involved in managing the Graduate Program
Dosen dalam bidang keuangan sejak 2000. in Management at FEB-UI since 2009 and serving as
a Finance Lecturer since 2000.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/ Pengendali
Affiliation Relations Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, and Major/
Controlling Shareholders.
Nama Arinto Setyo Mulyawan
Name
Jabatan Anggota Komite Nominasi dan Remunerasi
Position Member of the Nomination and Remuneration Committee
Masa Jabatan 1 Januari 2024 s.d 31 Desember 2026
Term of Office 1 January 2024 – 31 December 2026
Kewarganegaraan Indonesia
Citizenship
Usia 46 tahun
Age 46 years old
Domisili Bekasi
Domicile
Pendidikan dan • S2 Magister Ekonomi-Magister Perencanaan • Master’s Degree in Economics – Master of Public
Pelatihan Kebijakan Publik dari Universitas Indonesia, Jakarta Policy Planning from the University of Indonesia,
Education and Training (2012) dengan spesialisasi pada perencanaan dan Jakarta (2012), with a specialization in public policy
kebijakan publik serta pengelolaan sumber daya planning and human resource management.
manusia. • Bachelor’s Degree in Economics (Development
• S1 Sarjana Ekonomi (IESP) dari Universitas Economics) from Diponegoro University, Semarang
Diponegoro, Semarang (2001) dengan spesialisasi (2001), with a specialization in macroeconomics and
pada ilmu ekonomi makro dan studi perencanaan development planning studies.
pembangunan.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Riwayat Pekerjaan dan • Kepala Bagian Manajemen Hubungan Kelembagaan • Head of Institutional Relations Management
Rangkap Jabatan Negara Biro Komunikasi dan Layanan Informasi, Division Bureau of Communication and Information
Work History and Sekretariat Jenderal Kementerian Keuangan Services, Secretariat General, Ministry of Finance
Concurrent Position (2023-sekarang) (2023-present)
• Dewan Pengawas BLU Museum & Cagar Budaya • Supervisory Board Member of BLU Museum &
Kementerian Pendidikan, Kebudayaan, Riset & Cultural Heritage Ministry of Education, Culture,
Teknologi (2023-2024) Research & Technology (2023-2024)
• Kepala Bagian Tata Usaha dan Pengelolaan • Head of Administration and Data Management
Data Pusat Analisis dan Harmonisasi Kebijakan, Division Center for Policy Analysis and
Sekretariat Jenderal Kementerian Keuangan (2020- Harmonization, Secretariat General, Ministry of
2023) Finance (2020–2023)
• Wakil Ketua Task Force Sekretaris Jenderal • Deputy Chair of the Secretary-General Task Force
Sekretariat Jenderal Kementerian Keuangan (2018- Secretariat General, Ministry of Finance (2018–
2023) 2023)
• Kepala Bagian Tata Usaha Pusat Analisis dan • Head of Administration Division Center for Policy
Harmonisasi Kebijakan, Sekretariat Jenderal Analysis and Harmonization, Secretariat General,
Kementerian Keuangan (2016-2020) Ministry of Finance (2016–2020)
• Anggota Komite Pemantau Risiko PT. Bank Bukopin, • Member of the Risk Monitoring Committee PT Bank
Tbk (2013-2021) Bukopin, Tbk (2013–2021)
• Sekretaris Dewan Pengawas BLU Sekolah Tinggi • Secretary of the BLU Supervisory Board State
Akuntansi Negara (STAN) (2011-2012) College of Accountancy (STAN) (2011–2012)
• Kepala Subbidang Program dan Kegiatan IC Pusat • Head of Program and IC Activities Subdivision Center
Analisis dan Harmonisasi Kebijakan, Sekretariat for Policy Analysis and Harmonization, Secretariat
Jenderal (2009-2016) General (2009–2016)
• Pelaksana Pusat Analisis dan Harmonisasi • Staff Center for Policy Analysis and Harmonization,
Kebijakan, Sekretariat Jenderal (2007) Secretariat General (2007)
• Pelaksana Sekretariat Ditjen Perbendaharaan, • Staff Secretariat of the Directorate General of
Direktorat Jenderal Perbendaharaan (2005-2007) Treasury, Directorate General of Treasury (2005–
• Pelaksana Kanwil XVII DJPB Palangkaraya, Direktorat 2007)
Jenderal Perbendaharaan (2003-2005) • Staff Regional Office XVII DJPB Palangkaraya,
• Pelaksana Sekretariat DJA, Direktorat Jenderal Directorate General of Treasury (2003–2005)
Anggaran (2002-2003) • Staff Secretariat of the Directorate General of Budget
(DJA), Directorate General of Budget (2002–2003)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, and Major/
Controlling Shareholders.
Independensi Komite Nominasi dan Remunerasi
Independence of Nomination and Remuneration Committee
Untuk menjaga independensinya, Komite Nominasi dan To maintain its independence, the Nomination and
Remunerasi diketuai oleh Komisaris Independen, yang Remuneration Committee is chaired by an Independent
tidak memiliki hubungan afiliasi dengan Dewan Komisaris, Commissioner, who has no affiliation with the Board of
Direksi, dan Pemegang Saham Pengendali Perseroan. Commissioners, the Board of Directors, or the Controlling
Selain itu, anggota Komite Nominasi dan Remunerasi tidak Shareholders of the Company. Furthermore, the members
memiliki benturan kepentingan yang dapat memengaruhi of the Nomination and Remuneration Committee must
kemandiriannya dalam melaksanakan tugas. Mereka not have any conflicts of interest that could impact their
juga tidak memiliki hubungan darah hingga derajat independence in performing their duties. They must not be
ketiga dengan sesama anggota Komite Nominasi dan related by blood, up to the third degree, to fellow members
Remunerasi, Direksi, dan Pemegang Saham, baik secara of the Nomination and Remuneration Committee, the
vertikal, horizontal, maupun melalui ikatan perkawinan, Board of Directors, or Shareholders, either vertically or
serta tidak memiliki hubungan keuangan dengan horizontally, or through marriage, and they must not have
pihak-pihak tersebut. any financial relationships with any of these parties.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Adapun tabel independensi Komite Nominasi dan The independence table of the Nomination and
Remunerasi Tugu Insurance berdasarkan POJK No. Remuneration Committee refers to POJK No. 34/2014 are
34/2014 adalah sebagai berikut: as follows:
Tabel Hubungan Kekeluargaan dan Hubungan Keuangan
Table of the Familial and Financial Relationships
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan
Description Dewan Komisaris Direksi Pemegang Dewan Komisaris Direksi Pemegang
Board of Board of Saham Board of Board of Saham
Commissioners Directors Shareholders Commissioners Directors Shareholders
Dian Masyita 1)
Tajudin Noor 2)
Zaäfri Ananto Husodo
Arinto Setyo
Mulyawan
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak tanggal 18 Januari 2024
No longer serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 18 Januari 2024
Effectively serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
Tabel Independensi
Independence Table
Zaäfri
Aspek Independensi Dian Tajudin Arinto Setyo
Ananto
Independence Aspect Masyita 1) Noor 2) Mulyawan
Husodo
Tidak mempunyai hubungan afiliasi dengan Emiten atau Perusahaan
Publik, anggota Direksi, anggota Dewan Komisaris, atau Pemegang
Saham Utama Emiten atau Perusahaan Publik tersebut.
Does not have affiliation with the Issuer or Public Company, members
of the Board of Directors, members of the Board of Commissioners, or
Majority Shareholders of the Issuer or Public Company.
Tidak merangkap jabatan sebagai anggota komite lainnya yang dimiliki
Emiten atau Perusahaan Publik tersebut.
Does not hold concurrent positions as members of other committees
owned by the Issuer or Public Company.
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak tanggal 18 Januari 2024
No longer serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 18 Januari 2024
Effectively serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
Tugas dan Tanggung Jawab Komite Nominasi dan Remunerasi
Duties and Responsibilities of the Nomination and Remuneration Committee
Tugas dan tanggung jawab Komite Nominasi dan Duties and Responsibilities of the Nomination and
Remunerasi dalam membantu melaksanakan fungsi dan Remuneration Committee
tugas Dewan Komisaris terkait Nominasi dan Remunerasi The Nomination and Remuneration Committee has duties
adalah sebagai berikut: and responsibilities to assist the Board of Commissioners’
functions related to Nomination and Remuneration
as follows:
1. Terkait dengan fungsi nominasi, yaitu: 1. Related to the nomination function, namely:
a. Memberikan rekomendasi kepada Dewan Komisaris a. Provide recommendations to the Board of
mengenai: Commissioners regarding the following:
i. Komposisi jabatan anggota Direksi dan/atau i. The composition of the members of the
anggota Dewan Komisaris; Board of Directors and/or the Board of
Commissioners;
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
ii. Kebijakan dan kriteria yang dibutuhkan dalam ii. The policies and criteria required in the
proses nominasi; dan nomination process; and
iii. Kebijakan evaluasi kinerja bagi anggota Direksi iii. The performance evaluation policies for
dan/atau anggota Dewan Komisaris. the Board of Directors and/or Board of
Commissioners members.
b. Membantu Dewan Komisaris melakukan penilaian b. Assist the Board of Commissioners in assessing
kinerja anggota Direksi dan/atau anggota Dewan the performance of members of the Board of
Komisaris berdasarkan tolok ukur yang telah Directors and/or Board of Commissioners based
disusun sebagai bahan evaluasi; on the benchmarks that have been prepared as
c. Memberikan rekomendasi kepada Dewan Komisaris evaluation materials;
mengenai program pengembangan kemampuan c. Provide recommendations to the Board of
anggota Direksi dan/atau anggota Dewan Commissioners regarding capacity development
Komisaris; programs for members of the Board of Directors
and/or the Board of Commissioners;
d. Memberikan usulan/rekomendasi calon yang d. Provide proposals/recommendations for candidates
memenuhi syarat sebagai anggota Direksi dan/atau who meet the requirements as members of the
anggota Dewan Komisaris kepada Dewan Komisaris Board of Directors and/or Board of Commissioners
untuk disampaikan kepada Rapat Umum Pemegang to the Board of Commissioners to be submitted to
Saham; the General Meeting of Shareholders;
e. Memberikan rekomendasi calon yang memenuhi e. Provide recommendations for candidates who
syarat sebagai Deputy Director dan Group Head meet the requirements as Deputy Director and
kepada Dewan Komisaris untuk dibahas dan Group Head to the Board of Commissioners for
diputuskan dalam rapat Dewan Komisaris; discussion and decision in a meeting of the Board
of Commissioners;
f. Menyusun dan memberikan rekomendasi kepada f. Prepare and provide recommendations to the
Dewan Komisaris mengenai sistem dan prosedur Board of Commissioners regarding systems and
pemilihan dan/atau penggantian anggota Dewan procedures for selecting and/or replacing members
Komisaris dan Direksi kepada Dewan Komisaris of the Board of Commissioners and Directors to be
untuk disampaikan kepada Rapat Umum Pemegang submitted to the General Meeting of Shareholders;
Saham; dan and
g. Memberikan rekomendasi kepada Dewan Komisaris g. Provide recommendations to the Board of
mengenai pihak independen yang akan menjadi Commissioners regarding independent parties who
Anggota Komite. will become Committee Members.
2. Terkait dengan fungsi remunerasi, yaitu: 2. Related to the remuneration function, namely:
a. Melakukan evaluasi terhadap sistem/kebijakan a. Evaluate the remuneration system/policy for the
remunerasi bagi Dewan Komisaris, Direksi, Deputy Board of Commissioners, Directors, Deputy Director,
Director, dan Group Head; and Group Head;
b. Menyusun dan memberikan rekomendasi b. b. Prepare and provide recommendations to
kepada Dewan Komisaris mengenai kebijakan the Board of Commissioners regarding the
remunerasi bagi Dewan Komisaris dan Direksi remuneration policy for the Board of Commissioners
untuk disampaikan kepada Rapat Umum Pemegang and the Board of Directors to be submitted to the
Saham; General Meeting of Shareholders;
c. Menyusun dan memberikan rekomendasi kepada c. Prepare and provide recommendations to the Board
Dewan Komisaris mengenai kebijakan remunerasi of Commissioners regarding the remuneration
bagi Deputy Director dan Group Head untuk policy for the Deputy Director and Group Head to be
disampaikan kepada Direksi; dan submitted to the Board of Directors; and
d. Membantu Dewan Komisaris melakukan penilaian d. Assist the Board of Commissioners in conducting
kinerja dengan kesesuaian remunerasi yang performance appraisals in accordance with the
diterima masing-masing anggota Direksi dan/atau remuneration received by each member of the
anggota Dewan Komisaris. Board of Directors and/or members of the Board of
Commissioners.
3. Melaksanakan tugas lainnya yang diberikan oleh 3. Carry out other duties assigned by the Board
Dewan Komisaris. of Commissioners.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Program Pengembangan Kompetensi Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Competency Enhancement Program
Komite Nominasi dan Remunerasi telah mengikuti The competency enhancement programs participated in by
program peningkatan kompetensi sepanjang tahun 2024, members of the Nomination and Remuneration Committee
antara lain: throughout 2024 are as follows:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Tajudin Noor Ketua Komite Informasi peningkatan kompetensi/pelatihan Bapak Tajudin Noor dapat dilihat pada informasi
Nominasi dan peningkatan kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Remunerasi Information on Mr. Tajudin Noor's competency development/training can be found in the
Chairman of the competency development/training section for the Board of Commissioners members in this
Nomination and governance chapter.
Remuneration
Committee
Zaäfri Ananto Husodo Anggota Komite 25-26 Juli 2024 Online via Zoom Life Cycle Asessment Lembaga Sertifikasi
Nominasi dan 25-26 July 2024 (LCA) and Carbon Profesi Manajemen
Remunerasi Reduction Strategy Risiko (LSPMR)
Member of the Risk Management
Nomination and Professional
Remuneration Certification Institute
Committee (LSPMR)
12 Agustus 2024 Bandung, Generative Artificial FEB UI
12 August 2024 Intercontinental Hotel Intelligence
13 Agustus 2024 Bandung, Zona Integritas FEB UI
13 August 2024 Intercontinental Hotel
13 Agustus 2024 Bandung, Pelaporan LHKPN FEB UI dan KPK
13 August 2024 Intercontinental Hotel sebagai Barometer
Integritas
LHKPN Reporting as
an Integrity Barometer
24 September 2024 FEB UI, Depok Continuous AACSB International
24 September 2024 Improvement Review dan FEB UI
Seminar
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Arinto Setyo Anggota Komite 13-28 Mei 2024 Online Tata Kelola terkait Pusat Pendidikan
Mulyawan Nominasi dan 13-28 May 2024 Badan Layanan dan Pelatihan
Remunerasi Umum Kepemimpinan dan
Member of the Governance Related Manajerial, Badan
Nomination and to Public Service Pendidikan dan
Remuneration Agencies (BLU) Pelatihan Keuangan,
Committee Kementerian
Keuangan
Center for Leadership
and Managerial
Education and
Training, Financial
Education and
Training Agency,
Ministry of Finance
28 Mei-26 Juni 2024 Online Managing Change: Pusat Pendidikan
28 May-26 June 2024 Being Adaptive and dan Pelatihan
Agile Kepemimpinan dan
Manajerial, Badan
Pendidikan dan
Pelatihan Keuangan,
Kementerian
Keuangan
Center for Leadership
and Managerial
Education and
Training, Financial
Education and
Training Agency,
Ministry of Finance
14 Agustus-10 Online Penguatan Integritas Pusat Pendidikan
November 2024 dan Pencegahan dan Pelatihan
14 August-10 Korupsi Kepemimpinan dan
November 2024 Strengthening Manajerial, Badan
Integrity and Pendidikan dan
Corruption Prevention Pelatihan Keuangan,
Kementerian
Keuangan
Center for Leadership
and Managerial
Education and
Training, Financial
Education and
Training Agency,
Ministry of Finance
Rapat dan Tingkat Kehadiran Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Meeting & Attendance Rate
Komite Nominasi dan Remunerasi menyelenggarakan rapat In accordance with POJK No. 34/POJK.04/2014
secara berkala, paling kurang 1 (satu) kali dalam 4 (empat) concerning the Nomination and Remuneration Committee
bulan, mengacu pada POJK No. 34/POJK.04/2014 of Issuers or Public Companies, the Nomination and
tentang Komite Nominasi dan Remunerasi Emiten atau Remuneration Committee is required to hold periodic
Perusahaan Publik. Keputusan rapat Komite Nominasi dan meetings at least once every four months. Decisions in
Remunerasi dilakukan berdasarkan musyawarah mufakat. the Nomination and Remuneration Committee meetings
Jika keputusan berdasarkan musyawarah mufakat tidak are made through deliberation to reach a consensus. If
tercapai, pengambilan keputusan dilakukan berdasarkan consensus cannot be reached, the decision is made based
suara terbanyak. on the majority vote.
Per 31 Desember 2024, Komite Nominasi dan Remunerasi As of 31 December 2024, the Nomination and
telah melaksanakan 21 kali rapat, termasuk rapat Remuneration Committee has held 21 meetings, including
gabungan dengan Komite Pemantau Risiko dan Komite joint meetings with the Risk Monitoring Committee
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Audit, serta rapat dengan manajemen. Adapun rincian and the Audit Committee, as well as meetings with
kehadiran anggota Komite Nominasi dan Remunerasi management. The attendance details of the Nomination
adalah sebagai berikut: and Remuneration Committee members are as follows:
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Dian Masyita 1) 2 2 100% -
Tajudin Noor 2)
19 19 100% 2
Zaäfri Ananto Husodo 21 21 100% -
Arinto Setyo Mulyawan 21 20 95% -
1) Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak tanggal 18 Januari 2024
No longer serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
2) Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 18 Januari 2024
Effectively serving as Chairman of the Nomination and Remuneration Committee since 18 January 2024
Laporan Pelaksanaan Tugas Komite Nominasi dan Remunerasi
Report on Implementation of Nomination and Remuneration Committee Duties
Per 31 Desember 2024, Komite Nominasi dan Remunerasi Here is the report on the implementation of the duties of
telah melaksanakan tugas-tugas sebagai berikut: the Nomination and Remuneration Committee as of 31
December 2024:
1. Komite Nominasi dan Remunerasi telah melakukan 1. The Nominations and Remuneration Committee
evaluasi dan memberikan rekomendasi terkait has conducted an evaluation and provided
pergantian Direksi dan Dewan Komisaris yang habis recommendations regarding the replacement of the
masa tugasnya pada masa RUPST 2023 sesuai Board of Directors and the Board of Commissioners
dengan ketentuan yang berlaku; whose term has expired at the 2023 General
Meeting of Shareholders, in accordance with
applicable provisions.
2. Komite Nominasi dan Remunerasi telah melakukan 2. The Nominations and Remuneration Committee
evaluasi dan memberikan rekomendasi terkait has conducted an evaluation and provided
penyusunan Key Performance Indicator Perusahaan recommendations concerning the formulation of the
tahun 2025 sesuai dengan ketentuan yang berlaku Company’s Key Performance Indicators for 2025, in
serta rencana jangka panjang Perusahaan; line with applicable provisions and the Company’s
long-term strategy.
3. Komite Nominasi dan Remunerasi telah melakukan 3. The Nominations and Remuneration Committee
evaluasi dan memberikan rekomendasi terhadap has conducted an evaluation and provided
Dewan Komisaris terkait usulan tantiem dan recommendations to the Board of Commissioners
penyesuaian remunerasi Direksi dan Dewan Komisaris regarding the proposals for performance bonuses
pada tahun 2023; and the adjustment of remuneration for the Board of
Directors and the Board of Commissioners for 2023.
4. Komite Nominasi dan Remunerasi telah melakukan 4. The Nominations and Remuneration Committee has
tinjauan dan evaluasi terhadap kebijakan remunerasi reviewed and evaluated the Company’s remuneration
perusahaan untuk tingkat Group Head di tahun 2024 policy for the Group Head level for 2024, and has
dan memberikan rekomendasi agar kebijakan tersebut provided recommendations to ensure that the policy
tetap kompetitif secara eksternal, selaras secara remains externally competitive, internally aligned,
internal, memperhatikan aspek-aspek manajemen considers the company’s risk management aspects,
risiko perusahaan serta memenuhi semua ketentuan and complies with all applicable provisions.
yang berlaku;
5. Komite Nominasi dan Remunerasi telah memberikan 5. The Nominations and Remuneration Committee has
rekomendasi calon yang memenuhi syarat sebagai provided recommendations on qualified candidates
Group Head kepada Dewan Komisaris sebagai for the position of Group Head to the Board of
bahan pertimbangan untuk diputuskan dalam rapat Commissioners for consideration and decision at the
Dewan Komisaris; upcoming meeting.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
6. Komite Nominasi dan Remunerasi telah melakukan 6. The Nominations and Remuneration Committee
tinjauan terhadap sistem penilaian kinerja Direksi has reviewed the existing performance evaluation
dan Dewan Komisaris yang berlaku dan memberikan system for the Board of Directors and the Board
pandangan serta saran-saran terhadap sistem tersebut of Commissioners and has offered insights and
dengan memperhatikan ketentuan yang berlaku, praktik suggestions, taking into account applicable provisions,
baik pada perusahaan-perusahaan terkemuka dan best practices from leading companies, and adherence
pemenuhan terhadap prinsip tata kelola yang baik; to sound corporate governance principles.
7. Komite Nominasi dan Remunerasi telah memberikan 7. The Nominations and Remuneration Committee has
rekomendasi mengenai program pengembangan provided recommendations regarding the capability
kemampuan anggota Direksi dan/atau anggota development program for members of the Board of
Dewan Komisaris; Directors and/or the Board of Commissioners.
8. Komite Nominasi dan Remunerasi telah melakukan 8. The Nominations and Remuneration Committee
kegiatan monitoring dan evaluasi terhadap has conducted monitoring and evaluation of the
implementasi sistem pengelolaan SDM secara implementation of the human resources management
umum dan integrasi antara sistem tersebut dengan system overall, as well as its integration with
sistem-sistem lainnya; other systems.
9. Komite Nominasi dan Remunerasi telah melakukan 9. The Nominations and Remuneration Committee has
monitoring dan evaluasi terhadap program monitored and evaluated the succession planning
perencanaan suksesi yang menjadi bagian tak program, an integral component of the Company’s
terpisahkan dari sistem manajemen talenta yang talent management system.
dikembangkan oleh Perusahaan;
10. Komite Nominasi dan Remunerasi telah melakukan 10. The Nominations and Remuneration Committee has
tinjauan terhadap usulan perubahan struktur reviewed the proposed changes to the organizational
organisasi dan menyampaikan hasilnya sebagai structure and submitted its findings for consideration
bahan pertimbangan untuk diputuskan dalam rapat and decision at the Board of Commissioners meeting.
Dewan Komisaris.
298 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
4.C
Komite Pemantau Risiko
Risk Monitoring Committee
Dasar pembentukan Komite Pemantau Risiko untuk In order to support the effectiveness of the implementation
mendukung efektivitas pelaksanaan tugas dan tanggung of its duties and responsibilities in accordance with
jawab Dewan Komisaris mengacu pada POJK No. 73/ POJK No. 73/POJK.05/2016 concerning Good Corporate
POJK.05/2016 Tentang Tata Kelola Perusahaan yang Baik Governance for Insurance Companies, Tugu Insurance
bagi Perusahaan Perasuransian. Komite Pemantau Risiko Board of Commissioners has established Risk Monitoring
bertugas membantu Dewan Komisaris dalam memantau Committee. The Risk Monitoring Committee has the duty
pelaksanaan manajemen risiko yang disusun oleh to assisting the Board of Commissioners in monitoring
Direksi, menilai toleransi risiko yang dapat diambil oleh the implementation of risk management prepared by the
perusahaan, serta mengawasi kebijakan atas pengelolaan Board of Directors, as well as assessing the risk tolerance
risiko, khususnya usaha dan strategi yang dilakukan that can be taken by the Company, and monitoring the
Direksi, mencakup identifikasi, analisis, penilaian dan risk management policies, specifically the business and
mitigasi risiko. strategies undertaken by the Board of Directors, including
identification, analysis, assessment and mitigation
of risks.
Piagam Komite Pemantau Risiko
Risk Monitoring Committee Charter
Dalam menjalankan fungsinya membantu Dewan Komisaris In carrying out its function of assisting the Board
untuk mewujudkan sistem dan pelaksanaan pengawasan of Commissioners in establishing a competent and
yang kompeten dan independen di Perseroan, Komite independent supervisory system and implementation
Pemantau Risiko berpedoman pada Piagam sebagai Tata within the Company, the Risk Monitoring Committee
Kerja Komite Pemantau Risiko. Piagam Komite Pemantau adheres to the Charter as its Working Guidelines. The Risk
Risiko merupakan salah satu dokumen Soft Structure Tata Monitoring Committee Charter is one of the Soft Structure
Kelola Tugu Insurance dan disusun dengan mengacu pada Governance documents of Tugu Insurance and is prepared
peraturan perundang-undangan yang terkait. in accordance with relevant laws and regulations.
Piagam Komite Pemantau Risiko mengatur tentang The Risk Monitoring Committee Charter regulates
pembentukan, organisasi dan masa kerja, tugas, the establishment, organization and tenure, duties,
tanggung jawab dan wewenang, tata cara dan prosedur responsibilities and authority, work procedures and
kerja serta mekanisme pelaporan Komite Pemantau processes, as well as the reporting mechanism of the Risk
Risiko. Piagam Komite Pemantau Risiko pertama kali Monitoring Committee. The Charter was first ratified by the
disahkan oleh Dewan Komisaris pada Desember 2012 Board of Commissioners in December 2012, with the most
dengan pemutakhiran terakhir disahkan pada 4 Oktober recent update approved on 4 October 2022.
tahun 2022.
Susunan, Dasar Pengangkatan, dan Masa Jabatan Komite Pemantau Risiko
Composition, Basis of Appointment, and Term of Office of the Risk Monitoring Committee
Anggota Komite Pemantau Risiko terdiri dari sekurang- The Risk Monitoring Committee consists of at least three
kurangnya 3 (tiga) orang yang terdiri atas 1 (satu) orang (3) members, comprising one (1) chairman, who also
ketua merangkap sebagai anggota yang merupakan serves as a member and is an Independent Commissioner,
Komisaris Independen, 1 (satu) orang anggota yang one (1) member with expertise in risk management and/
memiliki keahlian di bidang manajemen risiko dan/ or actuarial science, and one (1) member with expertise in
atau aktuaria, dan 1 (satu) orang anggota yang finance, economics, and/or insurance.
memiliki keahlian di bidang keuangan, ekonomi, dan/
atau perasuransian.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Susunan keanggotaan Komite Pemantau Risiko Tugu The composition of the Risk Monitoring Committee of Tugu
Insurance per 31 Desember 2024 adalah sebagai berikut: Insurance as of 31 December 2024 is as follows:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Dian Masyita Ketua Komite Surat Keputusan Dewan Komisaris No. 10/SKK-ATPI/ 8 November 2022 s.d 29 April
Pemantau Risiko XI/2022 tanggal 8 November 2022 tentang Perubahan 2024
Chairman of the Susunan Anggota Komite Pemantau Risiko PT Asuransi 8 November 2022 – 29 April 2024
Risk Monitoring Tugu Pratama Indonesia Tbk
Committee
Board of Commissioners' Decree No. 10/SKK-ATPI/
XI/2022 dated 8 November 2022 concerning Changes in
the Composition of the Risk Monitoring Committee of PT
Asuransi Tugu Pratama Indonesia Tbk.
Tajudin Noor Ketua Komite Surat Keputusan Dewan Komisaris No. 06/SKK- 29 April 2024 s.d 13 Desember
Pemantau Risiko ATPI/V/2024 tanggal 6 Mei 2024 tentang Perubahan 2024
Chairman of the Susunan Anggota Komite Pemantau Risiko PT Asuransi 29 April 2024 – 13 December
Risk Monitoring Tugu Pratama Indonesia Tbk 2024
Committee
Board of Commissioners' Decree No. 06/SKK-
ATPI/V/2024 dated 6 May 2024 concerning Changes in
the Composition of the Risk Monitoring Committee of PT
Asuransi Tugu Pratama Indonesia Tbk.
Abdul Ghofar Ketua Komite Surat Keputusan Dewan Komisaris No. 17/SKK-ATPI/ 13 Desember 2024
Pemantau Risiko XII/2024 tanggal 13 Desember 2024 tentang Perubahan 13 December 2024
Chairman of the Susunan Anggota Komite Pemantau Risiko PT Asuransi
Risk Monitoring Tugu Pratama Indonesia Tbk
Committee
Board of Commissioners' Decree No. 17/SKK-ATPI/
XII/2024 dated 13 December 2024 concerning Changes
in the Composition of the Risk Monitoring Committee of
PT Asuransi Tugu Pratama Indonesia Tbk.
Aria Farah Mita Anggota Komite Surat Keputusan Dewan Komisaris No. 10/SKK-ATPI/ 1 Januari 2024 s.d 31 Desember
Pemantau Risiko XII/2023 tanggal 29 Desember 2023 tentang Perubahan 2026
Member of the Susunan Anggota Komite Pemantau Risiko PT Asuransi 1 January 2024 – 31 December
Risk Monitoring Tugu Pratama Indonesia Tbk 2026
Committee
Board of Commissioners' Decree No. 10/SKK-ATPI/
XII/2023 dated 29 December 2023 concerning Changes
in the Composition of the Risk Monitoring Committee of
PT Asuransi Tugu Pratama Indonesia Tbk.
Ersa Tri Wahyuni Anggota Komite Surat Keputusan Dewan Komisaris No. 10/SKK-ATPI/ 1 Januari 2024 s.d 30 September
Pemantau Risiko XII/2023 tanggal 29 Desember 2023 tentang Perubahan 2024
Member of the Susunan Anggota Komite Pemantau Risiko PT Asuransi 1 January 2024 – 30 September
Risk Monitoring Tugu Pratama Indonesia Tbk 2024
Committee
Board of Commissioners' Decree No. 10/SKK-ATPI/
XII/2023 dated 29 December 2023 concerning Changes
in the Composition of the Risk Monitoring Committee of
PT Asuransi Tugu Pratama Indonesia Tbk.
Desi Adhariani Anggota Komite Surat Keputusan Dewan Komisaris No. 11/SKK- 1 Oktober 2024 s.d 30 September
Pemantau Risiko ATPI/X/2024 tanggal 1 Oktober 2024 tentang Perubahan 2027
Member of the Susunan Anggota Komite Pemantau Risiko PT Asuransi 1 October 2024 – 30 September
Risk Monitoring Tugu Pratama Indonesia Tbk. 2027
Committee
Arif Suryawan Anggota Komite Board of Commissioners' Decree No. 11/SKK-
Pemantau Risiko ATPI/X/2024 dated 1 October 2024 concerning Changes
Member of the in the Composition of the Risk Monitoring Committee of
Risk Monitoring PT Asuransi Tugu Pratama Indonesia Tbk.
Committee
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Profil Komite Pemantau Risiko Per 31 Desember 2024
Profile of Member of the Risk Monitoring Committee as of 31 December 2024
Nama Abdul Ghofar
Name
Jabatan Ketua Komite Pemantau Risiko
Position Chairman of the Risk Monitoring Committee
Keterangan Profil lengkap Bapak Abdul Ghofar dapat dilihat pada profile Dewan Komisaris pada Laporan Tahunan ini.
The full profile of Mr. Abdul Ghofar can be found in the Board of Commissioners' profile section of this Annual Report.
Nama Aria Farah Mita
Name
Jabatan Anggota Komite Pemantau Risiko
Position Member of the Risk Monitoring Committee
Masa Jabatan 1 Januari 2024 s.d 31 Desember 2026
Term of Office 1 January 2024 – 31 December 2026
Kewarganegaraan Indonesia
Citizenship
Usia 46 tahun
Age 46 years old
Domisili Depok, Jawa Barat
Domicile Depok, West Java
Pendidikan dan • Doktor (S3) Akuntansi (2015). • Doctorate (PhD) in Accounting (2015).
Pelatihan • Magister (S2) Sains Manajemen di Universitas • Master’s Degree (MSc) in Management Science from
Education and Training Indonesia (2009). Universitas Indonesia (2009).
• Sarjana (S1) Ekonomi di Universitas Indonesia • Bachelor’s Degree (S1) in Economics from
(1999). Universitas Indonesia (1999).
• Gelar sertifikasi yang dimiliki adalah Certified Public • Holds certifications including Certified Public
Accountant (CPA), Chartered Accountant (CA), Accountant (CPA), Chartered Accountant (CA),
Certification in Audit Committee Practises (CACP), Certification in Audit Committee Practices (CACP),
Qualified Risk Governance Professional (QRGP), dan Qualified Risk Governance Professional (QRGP), and
CERG (Certified in Enterprise Risk Governance). Certified in Enterprise Risk Governance (CERG).
Riwayat Pekerjaan dan • Pengurus di organisasi profesi akuntan Institut • Board Member of the Indonesian Institute of Public
Rangkap Jabatan Akuntan Publik Indonesia (IAPI) dan Ikatan Akuntan Accountants (IAPI) and the Indonesian Institute of
Work History and Indonesia (IAI) (2020-sekarang). Accountants (IAI) (2020–present).
Concurrent Position • Auditor di Ernst & Young (1999-2001) dan RSM • Auditor at Ernst & Young (1999–2001) and RSM
Indonesia (2010-2011 dan 2016-2020). Indonesia (2010–2011 and 2016–2020).
• Penulis artikel ilmiah, buku dan melakukan • Author of academic articles, books, and researcher
riset di bidang standar akuntansi internasional, in the fields of international accounting standards,
akuntansi keuangan serta corporate governance financial accounting, and corporate governance
(2010-sekarang). (2010–present).
• Peneliti dan konsultan pada Bank Indonesia, USAID, • Researcher and Consultant for Bank Indonesia,
GIZ dan Pusat Pengembangan Akuntansi, Universitas USAID, GIZ, and the Accounting Development Center
Indonesia (2010-sekarang). at Universitas Indonesia (2010–present).
• Anggota Komite Audit di Bank Jabar Banten (2010- • Audit Committee Member at Bank Jabar Banten
2011). (2010–2011).
• Asisten Direktur Keuangan Universitas Indonesia • Assistant Director of Finance at Universitas
(2009). Indonesia (2009).
• Asesor Corporate Governance Scorecard di • Corporate Governance Scorecard Assessor at the
Indonesian Institute of Corporate Directorship (IICD) Indonesian Institute of Corporate Directorship (IICD)
(2008-2011). (2008–2011).
Rangkap Jabatan: Concurrent Position:
• Staf pengajar tetap di Departemen Akuntansi Permanent Lecturer at the Department of Accounting,
Fakultas Ekonomi dan Bisnis Universitas Indonesia Faculty of Economics and Business, Universitas
(2001-sekarang). Indonesia (2001–present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, and Major/
Controlling Shareholders.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 301
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Desi Adhariani
Name
Jabatan Anggota Komite Pemantau Risiko
Position Member of the Risk Monitoring Committee
Masa Jabatan 1 Oktober 2024 s.d 30 September 2027
Term of Office 1 October 2024 – 30 September 2027
Kewarganegaraan Indonesia
Citizenship
Usia 49 tahun
Age 49 years old
Domisili Depok, Jawa Barat
Domicile Depok, West Java
Pendidikan dan • Victoria University Melbourne, Australia PhD Program • Victoria University Melbourne, Australia PhD
Pelatihan in Accounting, Faculty of Business and Law (2010- Program in Accounting, Faculty of Business and Law
Education and Training 2015) (2010–2015)
• Universitas Indonesia Post Graduate Program, • Universitas Indonesia Postgraduate Program, Master
Master Level, majoring in Financial Management Level, majoring in Financial Management (2002–
(2002-2004) 2004)
• Universitas Indonesia Bachelor Program in • Universitas Indonesia Bachelor’s Degree in
Accounting (1994-1998) Accounting (1994–1998)
• Chartered Accountant, Ikatan Akuntan Indonesia (IAI) • Chartered Accountant, Indonesian Institute of
• Certified in Sustainability for Finance, ACCA Accountants (IAI)
(Association of Chartered Certified Accountants) and • Certified in Sustainability for Finance, ACCA
IAI (Ikatan Akuntan Indonesia) (Association of Chartered Certified Accountants) and
• Certified in Circular Entrepreneurship, Rochester IAI (Indonesian Institute of Accountants)
Institute of Technology • Certified in Circular Entrepreneurship, Rochester
• Sertifikat Kompetensi Pendamping UMKM, Badan Institute of Technology
Nasional Sertifikasi Profesi (BNSP) • Certification in MSME Assistance Competency,
National Professional Certification Agency (BNSP)
Riwayat Pekerjaan dan • Universitas Indonesia: Director of Department of • Universitas Indonesia: Director of the Department of
Rangkap Jabatan Accounting FEB UI (2024-Sekarang) Accounting, Faculty of Economics and Business (FEB
Work History and • Universitas Indonesia: Head of Study UI) (2024–Present)
Concurrent Position Program, Lecturer, Researcher, and Consultant • Universitas Indonesia: Head of Study Program,
(2001-Sekarang) Lecturer, Researcher, and Consultant (2001–Present)
• Universitas Indonesia: Internal Auditor (2007) • Universitas Indonesia: Internal Auditor (2007)
• Universitas Indonesia: Accounting Manager for • Universitas Indonesia: Accounting Manager for the
Faculty of Engineering (2001-2002) Faculty of Engineering (2001–2002)
• Ernst and Young Public Accounting Firm: Auditor • Ernst & Young Public Accounting Firm: Auditor
(1998-2000) (1998–2000)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, and Major/
Controlling Shareholders.
Nama Arif Suryawan
Name
Jabatan Anggota Komite Pemantau Risiko
Position Member of the Risk Monitoring Committee
Masa Jabatan 1 Oktober 2024 s.d 30 September 2027
Term of Office 1 October 2024 – 30 September 2027
Kewarganegaraan Indonesia
Citizenship
Usia 53 tahun
Age 53 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan • S2 Sekolah Tinggi Ilmu Ekonomi IPWI Jakarta • Master’s Degree (S2) – Sekolah Tinggi Ilmu Ekonomi
Pelatihan • S1 Universitas Brawijaya IPWI Jakarta
Education and Training • Bachelor’s Degree (S1) – Universitas Brawijaya
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Riwayat Pekerjaan dan • Asisten Staf Khusus Wakil Presiden (Oktober 2022- • Assistant to the Special Staff of the Vice President
Rangkap Jabatan 2024) (October 2022–2024)
Work History and • Area Collection & Recovery Manager Malang, PT • Area Collection & Recovery Manager Malang, PT
Concurrent Position Bank Syariah Mandiri (2020-2021) Bank Syariah Mandiri (2020–2021)
• Area Collection & Recovery Manager Jakarta Warung • Area Collection & Recovery Manager Jakarta Warung
Buncit, PT Bank Syariah Mandiri (2019-2020) Buncit, PT Bank Syariah Mandiri (2019–2020)
• Area Collection & Recovery Manager Denpasar, PT • Area Collection & Recovery Manager Denpasar, PT
Bank Syariah Mandiri (2017-2019) Bank Syariah Mandiri (2017–2019)
• Corporate Asset Disposal NPF Officer, PT Bank • Corporate Asset Disposal NPF Officer, PT Bank
Syariah Mandiri (2016-2017) Syariah Mandiri (2016–2017)
• Asset Disposal Analyst 1 Asset Disposal Dept, PT • Asset Disposal Analyst 1, Asset Disposal Dept, PT
Bank Syariah Mandiri (2015-2016) Bank Syariah Mandiri (2015–2016)
• AO Asset Disposal, PT Bank Syariah Mandiri (2014- • AO Asset Disposal, PT Bank Syariah Mandiri
2015) (2014–2015)
• Analyst Officer Commercial, PT Bank Syariah Mandiri • Analyst Officer Commercial, PT Bank Syariah Mandiri
(2014-2014) (2014)
• Analyst Officer Non Korporasi, PT Bank Syariah • Analyst Officer Non-Corporate, PT Bank Syariah
Mandiri (2012-2014) Mandiri (2012–2014)
• Cita Tenun Indonesia (2009-2011) • Cita Tenun Indonesia (2009–2011)
• PT Lameddekom Pratama (2007-2009) • PT Lameddekom Pratama (2007–2009)
• Wirausaha (2002-2007) • Entrepreneur (2002–2007)
• PT Bank Mandiri (Persero) (1999-2002) • PT Bank Mandiri (Persero) (1999–2002)
• PT Bank Dagang Negara (1997-1999) • PT Bank Dagang Negara (1997–1999)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, and Major/
Controlling Shareholders.
Independensi Komite Pemantau Risiko
Independence of the Risk Monitoring Committee
Untuk menjaga independensinya, Komite Pemantau Risiko To maintain its independence, the Risk Monitoring
diketuai oleh Abdul Ghofar sebagai Presiden Komisaris/ Committee is chaired by Abdul Ghofar, who serves as
Komisaris Independen yang tidak memiliki hubungan President Commissioner/Independent Commissioner
afiliasi dengan Dewan Komisaris, Direksi, dan Pemegang and has no affiliated relationship with the Board of
Saham Utama/Pengendali Perseroan. Commissioners, Board of Directors, or the Company’s
Major/Controlling Shareholders.
Seluruh anggota Komite Pemantau Risiko yang berasal All members of the Risk Monitoring Committee from
dari pihak independen tidak memiliki hubungan independent parties do not have any financial, managerial,
keuangan, kepengurusan, kepemilikan saham dan/atau share ownership, and/or family relationships with the
hubungan keluarga dengan Dewan Komisaris, Direksi Board of Commissioners, Board of Directors, and/or
dan/atau Pemegang Saham Utama/Pengendali atau Major/Controlling Shareholders, nor any relationships
hubungan dengan Perseroan, yang dapat mempengaruhi with the Company that could affect their ability to
kemampuannya bertindak independen. act independently.
Tabel Hubungan Kekeluargaan dan Hubungan Keuangan
Table of the Familial and Financial Relationships
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan Dewan Dewan
Description Direksi Pemegang Direksi Pemegang
Komisaris Komisaris
Board of Saham Board of Saham
Board of Board of
Directors Shareholders Directors Shareholders
Commissioners Commissioners
Dian Masyita 1)
Tajudin Noor 2)
Abdul Ghofar 3)
Aria Farah Mita
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan Dewan Dewan
Description Direksi Pemegang Direksi Pemegang
Komisaris Komisaris
Board of Saham Board of Saham
Board of Board of
Directors Shareholders Directors Shareholders
Commissioners Commissioners
Ersa Tri Wahyuni 4)
Desi Adhariani 5)
Arif Suryawan 6)
1) Tidak lagi menjabat sebagai Ketua Komite Pemantau Risiko terhitung sejak tanggal 29 April 2024
No longer serving as Chairman of the Risk Monitoring Committee effective 29 April 2024
2) Efektif menjabat sebagai Ketua Pemantau Risiko terhitung sejak tanggal 29 April 2024
Effectively serving as Chairman of the Risk Monitoring Committee starting 29 April 2024
3) Efektif menjabat sebagai Ketua Komite Pemantau Risiko terhitung sejak tanggal 13 Desember 2024
Effectively serving as Chairman of the Risk Monitoring Committee starting 13 December 2024
4) Tidak lagi menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 30 September 2024
No longer serving as a Member of the Risk Monitoring Committee effective 30 September 2024
5) Efektif menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 1 Oktober 2024
Effectively serving as a Member of the Risk Monitoring Committee starting 1 October 2024
6) Efektif menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 1 Oktober 2024
Effectively serving as a Member of the Risk Monitoring Committee starting 1 October 2024
Tabel Independensi
Independence Table
Aria
Aspek Independensi Dian Tajudin Abdul Ersa Tri Desi Arif
Farah
Independence Aspect Masyita Noor Ghofar Wahyuni Adhariani Suryawan
Mita
Tidak mempunyai hubungan afiliasi dengan
Emiten atau Perusahaan Publik, anggota
Direksi, anggota Dewan Komisaris, atau
Pemegang Saham Utama Emiten atau
Perusahaan Publik tersebut.
Does not have affiliation with the Issuer
or Public Company, members of the Board
of Directors, members of the Board of
Commissioners, or Majority Shareholders of
the Issuer or Public Company.
Tidak merangkap jabatan sebagai anggota
komite lainnya yang dimiliki Emiten atau
Perusahaan Publik tersebut.
Does not hold concurrent positions as
members of other committees owned by the
Issuer or Public Company.
Tugas dan Tanggung Jawab Komite Pemantau Risiko
Duties and Responsibilities of the Risk Monitoring Committee
Komite Pemantau Risiko bertugas untuk membantu Dewan The Risk Monitoring Committee is responsible for
Komisaris dalam memantau pelaksanaan manajemen assisting the Board of Commissioners in monitoring
risiko yang disusun oleh Direksi serta menilai toleransi the implementation of risk management formulated by
risiko yang dapat diambil oleh Perusahaan. Tugas dan the Board of Directors and assessing the risk tolerance
tanggung jawab Komite Pemantau Risiko Tugu Insurance that the Company can undertake. The duties and
antara lain meliputi: responsibilities of the Tugu Insurance Risk Monitoring
Committee include:
304 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
1. Pelaksanaan Bidang Pemantauan Risiko. 1. Implementation of Risk Monitoring Activities
a. Manajemen Risiko. a. Risk Management
i. Mengawasi agar keberadaan kebijakan i. Ensuring that the risk management policies
manajemen risiko yang disusun oleh Direksi, formulated by the Board of Directors, including
termasuk toleransi yang diambil telah memadai the defined risk tolerance, are adequate and
dan sesuai dengan kebutuhan Perseroan; aligned with the Company’s needs.
ii. Mengawasi pengelolaan risiko di Perseroan, ii. Monitoring risk management within the
khususnya usaha dan strategi yang dilakukan Company, particularly the business and strategic
Direksi. Pengawasan tersebut mencakup efforts undertaken by the Board of Directors.
proses identifikasi, analisis, penilaian dan This oversight includes the identification,
mitigasi risiko agar dilaksanakan sesuai dengan analysis, assessment, and mitigation of risks to
kebijakan yang berlaku; ensure compliance with the applicable policies.
iii. Mengawasi agar pelaporan risiko telah iii. Ensuring that risk reporting is submitted to the
disampaikan kepada Komisaris sesuai dengan Board of Commissioners in accordance with the
ketentuan dan kebutuhan Komisaris. established regulations and requirements.
b. Hubungan dengan Komite lain dan Manajemen. b. Coordination with Other Committees and
i. Berkoordinasi dengan komite lain dalam Management
tugasnya mengawasi dan mengevaluasi i. Coordinating with other committees in
laporan keuangan; overseeing and evaluating financial reports.
ii. Mendapatkan akses informasi yang diperlukan ii. Gaining access to necessary information from
untuk melaksanakan tugasnya dari Manajemen; Management to perform its duties effectively.
iii. Berkoordinasi dengan Komite Audit dalam iii. Coordinating with the Audit Committee in
pengawasan manajemen risiko. monitoring risk management.
2. Menjaga kerahasiaan dokumen, data, dan 2. Maintaining confidentiality of company documents,
informasi perusahaan; data, and information.
3. Melaksanakan self-assessment pelaksanaan tugas 3. Conducting self-assessment on the performance of the
Komite Pemantau Risiko. Risk Monitoring Committee’s duties.
Program Pengembangan Kompetensi Komite Pemantau Risiko
Competency Development Program for the Risk Monitoring Committee
Komite Pemantau Risiko telah mengikuti program The Risk Monitoring Committee has participated in various
peningkatan kompetensi sepanjang tahun 2024, competency enhancement programs throughout 2024,
antara lain: including:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Abdul Ghofar Ketua Komite Informasi peningkatan kompetensi/pelatihan Bapak Abdul Ghofar dapat dilihat pada informasi
Pemantau Risiko peningkatan kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Chairman of the Risk Information on Mr. Abdul Ghofar's competency development/training can be found in the
Monitoring Committee competency development/training section for the Board of Commissioners members in this
governance chapter.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 305
Page 308
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Aria Farah Mita Anggota Komite 17 Februari 2024 Online via Zoom Update Aturan Forum Akuntan
Pemantau Risiko 17 February 2024 Perpajakan dan SAK Manajemen (FAM)
Member of the Risk Terbaru 2024 Management
Monitoring Committee Update on Tax Accountants Forum
Regulations and (FAM)
the Latest 2024
Accounting Standards
(SAK)
17 Juli 2024 Fakultas Ekonomi dan The Role of International
17 July 2024 Bisnis Universitas Accounting in Conference KRA XI
17 Agustus 1945 Transforming The 2024
Surabaya (UNTAG) World Towards
Sustainable
Faculty of Economics Development With
and Business, 5P (People, Planet,
Universitas 17 Prosperity, Peace,
Agustus 1945 Partnership, Spirit of
Surabaya (UNTAG) Patriotism) - SEBAGAI
PEMBICARA
The Role of
Accounting in
Transforming the
World Towards
Sustainable
Development with
5P (People, Planet,
Prosperity, Peace,
Partnership, Spirit
of Patriotism) – As
Speaker
25-26 Juli 2024 Online via Zoom Life Cycle Asessment Lembaga Sertifikasi
25-26 July 2024 (LCA) and Carbon Profesi Manajemen
Reduction Strategy Risiko (LSPMR)
Risk Management
Professional
Certification Institute
(LSPMR)
12 Agustus 2024 Hybrid Workshop Generative FEB UI dan AMBA
12 August 2024 Artificial Intelligence Association
13 Agustus 2024 Bandung KPK Talks: Pelaporan FEB UI dan AMBA
13 August 2024 LHKPN sebagai Association
Barometer Integritas
KPK Talks: LHKPN
Reporting as an
Integrity Barometer
13 Agustus 2024 Bandung Workshop Manajemen FEB UI dan AMBA
13 August 2024 Risiko Association
Risk Management
Workshop
13 Agustus 2024 Bandung Workshop Zona FEB UI dan AMBA
13 August 2024 Integritas Association
Integrity Zone
Workshop
22 Agustus 2024 Online via Zoom Core Concepts RIT Course
22 August 2024 of Circular
Entrepreneurship
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Ersa Tri Wahyuni Anggota Komite 21-22 Februari 2024 Gedung LPPI Jakarta Implementasi PSAK Lembaga
Pemantau Risiko 21-22 February 2024 LPPI Building, Jakarta 74 dan Tantangan Pengembangan
Member of the Risk Industri Asuransi di Perbankan Indonesia
Monitoring Committee 2024 (LPPI)
Implementation Indonesian Banking
of PSAK 74 and Development Institute
Challenges in the (LPPI)
Insurance Industry in
2024
26 Juni 2024 Bandung Penguatan Tata IRMAPA
26 June 2024 Kelola, Manajemen
Risiko dan Kepatuhan
(GRC) Sektor Publik
Menuju Indonesia
Emas 2045
Strengthening
Governance, Risk
Management, and
Compliance (GRC)
in the Public Sector
Towards Golden
Indonesia 2045
Desi Adhariani Anggota Komite 12 Juni 2024 Online via Zoom Issues and Fakultas Ekonomi
Pemantau Risiko 12 June 2024 Challenges in Bisnis Universitas
Member of the Risk Governance for Andalas
Monitoring Committee Sustainability: Faculty of Economics
Corporate and Public and Business,
Sectors Universitas Andalas
20 Juni 2024 Universitas AKUNTalk: Exploring Faculity of Economics
20 June 2024 Pendidikan Indonesia Data Analysis and Business
(UPI), Bandung Techniques for Education Universitas
Enhancing Financial Pendidikan Indonesia
Decision Making (UPI)
17 Juli 2024 Online via Zoom Implementation Institut Akuntan
17 July 2024 of Sustainability Publik Indonesia
Reporting in (IAPI)
Indonesia Indonesian Institute
of Public Accountants
(IAPI)
22 Agustus 2024 Online via Zoom Core Concepts RIT Course
22 August 2024 of Circular
Entrepreneurship
26 Agustus 2024 Online via Zoom Envision a University of Jember
26 August 2024 Sustainable Future: and Asosiasi Program
Creating Societies Studi S2 Akuntansi
and Pathways to Indonesia (APSSAI)
Global Transformation University of Jember
and Indonesian
Master’s Program
in Accounting
Association (APSSAI)
28 September 2024 Online via Zoom PSAK 241: Akuntansi Economic and
28 September 2024 Agrikultur Business Indonesia
PSAK 241: Fair (EBIF)
Agricultural
Accounting
9 Oktober 2024 Hotel Aston Priority Workshop “Carbon Fakultas Ekonomi
9 October 2024 Simatupang and Trading & Carbon Tax Bisnis Universitas
Conference Center, in Indonesia” Indonesia
Jakarta Faculty of Economics
and Business,
Universitas Indonesia
22 November 2024 Online via Zoom Seeing the Unseen Institute of
22 November 2024 Enemies: Crucial Role Compliance
of Whistleblowers Professional
in Detecting and Indonesia (ICoPI)
Preventing Cyberfraud
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 307
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rapat dan Tingkat Kehadiran Komite Pemantau Risiko
Meetings and Attendance of the Risk Monitoring Committee
Sepanjang tahun 2024, Komite Pemantau Risiko telah Throughout 2024, the Risk Monitoring Committee held 27
melaksanakan 27 (dua puluh tujuh) kali rapat termasuk (twenty seven) meetings, including joint meetings with the
rapat gabungan antara Komite Pemantau Risiko dengan Nomination and Remuneration Committee and the Audit
Komite Nominasi dan Remunerasi dan Komite Audit, Committee, as well as meetings with management. Some
dan rapat dengan manajemen, sebagian dari rapat-rapat of these meetings were conducted online via Microsoft
ini dilakukan secara online melalui Microsoft Teams Teams (MTeams).
(MTeams).
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Dian Masyita 1) 8 8 100% -
Tajudin Noor 2)
18 18 100% 1
Abdul Ghofar 3) 1 1 100% -
Aria Farah Mita 21 21 100% 2
Ersa Tri Wahyuni 4) 20 19 95% -
Desi Adhariani 5) 7 7 100% -
Arif Suryawan 6) 7 6 86% -
1)
Tidak lagi menjabat sebagai Ketua Komite Pemantau Risiko terhitung sejak tanggal 29 April 2024
No longer serving as Chairman of the Risk Monitoring Committee effective 29 April 2024
2)
Efektif menjabat sebagai Ketua Pemantau Risiko terhitung sejak tanggal 29 April 2024
Effectively serving as Chairman of the Risk Monitoring Committee starting 29 April 2024
3)
Efektif menjabat sebagai Ketua Komite Pemantau Risiko terhitung sejak tanggal 13 Desember 2024
Effectively serving as Chairman of the Risk Monitoring Committee starting 13 December 2024
4)
Tidak lagi menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 30 September 2024
No longer serving as a Member of the Risk Monitoring Committee effective 30 September 2024
5)
Efektif menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 1 Oktober 2024
Effectively serving as a Member of the Risk Monitoring Committee starting 1 October 2024
6)
Efektif menjabat sebagai Anggota Komite Pemantau Risiko terhitung sejak tanggal 1 Oktober 2024
Effectively serving as a Member of the Risk Monitoring Committee starting 1 October 2024
Laporan Pelaksanaan Tugas Komite Pemantau Risiko Tahun 2024
Risk Monitoring Committee Activity Report for 2024
Per 31 Desember 2024, Komite Pemantau Risiko telah As of 31 December 2024, the Risk Monitoring Committee
melaksanakan tugas-tugas sebagai berikut: has carried out the following duties:
1. Melakukan pengawasan atas pelaksanaan Enterprise 1. Supervised the implementation of Enterprise Risk
Risk Management (ERM) dengan pemantauan secara Management (ERM) through regular monitoring with
rutin dan berkala dengan divisi ERM, termasuk the ERM division, including oversight of integrated risk
pengawasan terhadap fungsi manajemen risiko management functions with subsidiaries.
terintegrasi dengan anak perusahaan;
2. Melakukan pengawasan atas manajemen risiko kredit 2. Monitored credit risk management related to
atas piutang, dan risiko penurunan nilai investasi dan receivables, as well as the risk of impairment in
properti investasi; investment and investment properties.
3. Melakukan pengawasan atas kebijakan dan 3. Oversaw the company’s investment policies and
pelaksanaan investasi perusahaan, termasuk kebijakan implementation, including investment policies related
tentang investasi di anak perusahaan; to subsidiaries.
4. Melakukan pengawasan yang intensif atas risiko-risiko 4. Conducted intensive supervision of business process
dalam proses bisnis perusahaan, terutama aspek risks, particularly regarding IT support and retail
dukungan IT dan progres bisnis ritel; business progress.
5. Melakukan pengawasan atas pelaksanaan seluruh 5. Monitored the Company’s compliance with regulations,
aspek kepatuhan Perseroan terhadap regulasi, serta including adherence to reporting obligations required by
kepatuhan atas penyampaian laporan-laporan yang regulators (OJK).
disyaratkan oleh regulator (OJK);
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
6. Melakukan pengawasan terkait kewajiban Perseroan 6. Supervised the Company’s obligations in preparing the
dalam menyusun Laporan Keberlanjutan yang Sustainability Report, as required by POJK No. 51/
disyaratkan oleh POJK No. 51/POJK.03/2017 tentang POJK.03/2017 on the Implementation of Sustainable
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Finance for Financial Institutions, Issuers, and
Keuangan, Emiten, dan Perusahaan Publik; Public Companies.
7. Bersama dengan Komite Dewan Komisaris yang lain 7. Collaborated with other Board of Commissioners’
melakukan pengawasan terhadap kinerja Perseroan Committees to conduct monthly performance
secara bulanan; monitoring of the Company.
8. Bersama dengan Komite Dewan Komisaris yang 8. Worked alongside other Board of Commissioners’
lain mengawasi proses penyusunan RKAP dan Committees to oversee the preparation of the
RJPP Perseroan; Company’s Annual Budget Plan (RKAP) and Long-Term
Corporate Plan (RJPP).
9. Bersama dengan Komite Audit melakukan pengawasan 9. Cooperated with the Audit Committee to monitor the
atas kesiapan perusahaan dalam menerapkan PSAK Company’s readiness for PSAK 117 implementation
117 tentang Kontrak Asuransi yang berdampak regarding Insurance Contracts, which has a
signifikan pada Perseroan dan secara luas ke significant impact on both the Company and the
industri asuransi; insurance industry.
10. Melakukan pengembangan kapasitas Komite Pemantau 10. Enhanced the capacity of the Risk Monitoring
Risiko melalui pelatihan, seminar, dan sharing session. Committee through training, seminars, and
sharing sessions.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 309
Page 312
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4.D
Komite Tata Kelola Terintegrasi
Integrated Governance Committee
Komite Tata Kelola Terintegrasi sesuai dengan ketentuan The Integrated Governance Committee operates in
Peraturan Menteri Badan Usaha Milik Negara No. PER-2/ accordance with Minister of State-Owned Enterprises
MBU/03/2023 tentang Pedoman Tata Kelola dan Kegiatan (BUMN) Regulation No. PER-2/MBU/03/2023 on
Korporasi Signifikan Badan Usaha Milik Negara (BUMN) Governance Guidelines and Significant Corporate Activities
tanggal 24 Maret 2023 (“Peraturan Menteri BUMN PER-2/ of State-Owned Enterprises (BUMN) dated 24 March
MBU/03/2023”) jo. Surat Keputusan Direktur Utama 2023 (“Ministerial Regulation PER-2/MBU/03/2023”), in
PT Pertamina (Persero) No. Kpts-14/C00000/2023-S0 conjunction with the Decree of the President Director of
tanggal 23 Oktober 2023 tentang Penetapan Kategori PT Pertamina (Persero) No. Kpts-14/C00000/2023-S0
dan Klasifikasi Risiko Subholding dan Anak Perusahaan dated 23 October 2023 concerning the Determination
di bawah Holding; serta Surat Direktur Keuangan PT of Risk Categories and Classifications for Subholdings
Pertamina (Persero) Nomor 024/H00000/2024-S4 perihal and Subsidiaries under the Holding, as well as the Letter
Reminder Tindak Lanjut Implementasi Permen BUMN from the Finance Director of PT Pertamina (Persero) No.
PER/2/MBU/03/2023 tanggal 31 Januari 2024. 024/H00000/2024-S4 regarding the Reminder on the
Follow-up Implementation of Ministerial Regulation PER-2/
MBU/03/2023 dated 31 January 2024.
Komite Tata Kelola Terintegrasi telah membantu The Integrated Governance Committee has assisted the
Dewan Komisaris dalam melakukan pengawasan dan Board of Commissioners in overseeing and providing
pemberian nasihat terhadap kegiatan entitas Tugu Group advice on activities within Tugu Group related to its scope
yang terkait dengan bidang tugas Komite Tata Kelola of duties. This includes evaluating Integrated Governance
Terintegrasi diantaranya mengevaluasi kebijakan Tata policies and providing recommendations to the Board of
Kelola Terintegrasi dan memberikan rekomendasi kepada Commissioners for policy improvements, monitoring and
Dewan Komisaris terkait penyempurnaan kebijakan Tata evaluating the alignment and implementation of Integrated
Kelola Terintegrasi tersebut, pemantauan dan evaluasi Governance policies within Tugu Group, providing
atas keselarahan dan penerapan kebijakan Tata Kelola governance improvement recommendations, including
Terintegrasi di Tugu Group; dan memberikan rekomendasi mitigation efforts and solutions for strategic issues
perbaikan tata kelola, berupa upaya mitigasi dan solusi, within Tugu Group, based on integrated assessments
atas isu strategis di Tugu Group berdasarkan hasil and evaluations.
penelaahan dan evaluasi yang terintegrasi
Piagam Komite Tata Kelola Terintegrasi
Integrated Governance Committee Charter
Perseroan memiliki Piagam Komite Tata Kelola Terintegrasi, The Company has an Integrated Governance Committee
yang disahkan oleh Dewan Komisaris pada 25 April 2024. Charter, which was approved by the Board of
Commissioners on 25 April 2024.
Piagam Komite Tata Kelola Terintegrasi bertujuan agar The Integrated Governance Committee Charter aims
Komite Tata Kelola Terintegrasi dapat melaksanakan to ensure that the Integrated Governance Committee
tugas dan tanggung jawabnya secara efisien, transparan, carries out its duties and responsibilities efficiently,
kompeten, independen, bisa dipertanggungjawabkan, dan transparently, competently, independently, accountably,
dapat diterima oleh pihak-pihak yang berkepentingan. and in a manner acceptable to stakeholders. The Charter
Piagam Komite Tata Kelola Terintegrasi mengatur tentang regulates the establishment, organization and tenure,
pembentukan, organisasi dan masa kerja, tugas, tanggung duties, responsibilities and authority, work procedures
jawab dan wewenang, tata cara dan prosedur kerja serta and processes, as well as the reporting mechanism of the
mekanisme pelaporan Komite Tata Kelola Terintegrasi. Integrated Governance Committee.
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Susunan, Dasar Pengangkatan, dan Masa Jabatan Komite Tata Kelola Terintegrasi
Composition, Basis of Appointment, and Term of Office of the Integrated Governance Committee
Anggota Komite Tata Kelola Terintegrasi terdiri dari The Integrated Governance Committee consists of at least
sekurang-kurangnya 1 (satu) orang Komisaris Independen one (1) Independent Commissioner of the Company as
Perseroan sebagai ketua, Seluruh Anggota Komite Chairman, all members of the Risk Monitoring Committee
Pemantau Risiko sebagai Anggota, dan Direktur Kepatuhan as Members, and the Director of Compliance & Risk
& Manajemen Risiko sebagai Sekretaris. Management as Secretary.
Susunan keanggotaan Komite Tata Kelola Terintegrasi Tugu The composition of the Integrated Governance Committee
Insurance per 31 Desember 2024 adalah sebagai berikut: of Tugu Insurance as of 31 December 2024 is as follows:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Dian Masyita Ketua Komite Tata Kelola Surat Keputusan Dewan 25 April s.d 29 April 2024
Terintegrasi Komisaris No. 05/SKK-ATPI/ 25 April – 29 April 2024
Chairman of the Integrated IV/2024 tanggal 25 April 2024
Governance Committee tentang Pembentukan Komite Tata
Kelola Terintegrasi PT Asuransi
Tajudin Noor Ketua Komite Tata Kelola Tugu Pratama Indonesia Tbk 29 April 2024 s.d 13 Desember
Terintegrasi 2024
Chairman of the Integrated Board of Commissioners' Decree 29 April 2024 – 13 December
Governance Committee No. 05/SKK-ATPI/IV/2024 dated 2024
25 April 2024 concerning the
Establishment of the Integrated
Governance Committee of PT
Asuransi Tugu Pratama Indonesia
Tbk.
Abdul Ghofar Ketua Komite Tata Kelola Surat Keputusan Dewan 13 Desember 2024 s.d sekarang
Terintegrasi Komisaris No. 12/SKK- 13 December 204 - current
Chairman of the Integrated ATPI/X/2024 tanggal 1 Oktober
Governance Committee 2024 tentang Perubahan Komite
Tata Kelola Terintegrasi PT
Asuransi Tugu Pratama Indonesia
Tbk
Board of Commissioners' Decree
No. 12/SKK-ATPI/X/2024 dated
1 October 2024 concerning the
Amendments to the Integrated
Governance Committee of PT
Asuransi Tugu Pratama Indonesia
Tbk.
Aria Farah Mita Anggota Komite Tata Kelola Surat Keputusan Dewan 25 April 2024 s.d sekarang
Terintegrasi Komisaris No. 05/SKK-ATPI/ 25 April 2024 - present
Member of the Integrated IV/2024 tanggal 25 April 2024
Governance Committee tentang Pembentukan Komite Tata
Ersa Tri Wahyuni Anggota Komite Tata Kelola Kelola Terintegrasi PT Asuransi 25 April 2024 s.d 30 September
Terintegrasi Tugu Pratama Indonesia Tbk 2024
Member of the Integrated 25 April 2024 – 30 September
Governance Committee Board of Commissioners' Decree 2024
No. 05/SKK-ATPI/IV/2024 dated
25 April 2024 concerning the
Establishment of the Integrated
Governance Committee of PT
Asuransi Tugu Pratama Indonesia
Tbk.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 311
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Term of Office
Desi Adhariani Anggota Komite Tata Kelola Surat Keputusan Dewan 1 Oktober 2024 s.d sekarang
Terintegrasi Komisaris 1 October 2024 - current
Member of the Integrated No. 12/SKK-ATPI/X/2024
Governance Committee tanggal 1 Oktober 2024 tentang
Arif Suryawan Anggota Komite Tata Kelola Perubahan Komite Tata Kelola
Terintegrasi Terintegrasi PT Asuransi Tugu
Member of the Integrated Pratama Indonesia Tbk
Governance Committee
Board of Commissioners' Decree
No. 12/SKK-ATPI/X/2024 dated
1 October 2024 concerning the
Amendments to the Integrated
Governance Committee of PT
Asuransi Tugu Pratama Indonesia
Tbk.
Profil Komite Tata Kelola Terintegrasi Per 31 Desember 2024
Profile of Member of the Integrated Governance Committee as of 31 December 2024
Nama Abdul Ghofar
Name
Jabatan Ketua Komite Tata Kelola Terintegrasi
Position Chairman of the Integrated Governance Committee
Keterangan Profil lengkap Bapak Abdul Ghofar dapat dilihat pada profile Dewan Komisaris pada Laporan Tahunan ini.
Description The full profile of Mr. Abdul Ghofar can be found in the Board of Commissioners’ profile section of this Annual Report.
Nama Aria Farah Mita
Name
Jabatan Anggota Komite Tata Kelola Terintegrasi
Position Member of the Integrated Governance Committee
Keterangan Profil lengkap Ibu Aria Farah Mita dapat dilihat pada Profil Komite Pemantau Risiko pada Laporan Tahunan ini.
Description The full profile of Ms. Aria Farah Mita’s can be found in the Risk Monitoring Committee profile section of this Annual Report.
Nama Desi Adhariani
Name
Jabatan Anggota Komite Tata Kelola Terintegrasi
Position Member of the Integrated Governance Committee
Keterangan Profil lengkap Ibu Desi Adhariani dapat dilihat pada Profil Komite Pemantau Risiko pada Laporan Tahunan ini.
Description The full profile of Ms. Desi Adhariani can be found in the Risk Monitoring Committee Profile section of this Annual Report.
Nama Arif Suryawan
Name
Jabatan Anggota Komite Tata Kelola Terintegrasi
Position Member of the Integrated Governance Committee
Keterangan Profil lengkap Bapak Arif Suryawan dapat dilihat pada Profil Komite Pemantau Risiko pada Laporan Tahunan ini.
Description The full profile of Mr. Arif Suryawan can be found in the Risk Monitoring Committee Profile section of this Annual Report.
Independensi Komite Tata Kelola Terintegrasi
Independence of the Integrated Governance Committee
Untuk menjaga independensinya, Komite Tata Kelola To maintain its independence, the Integrated Governance
Terintegrasi diketuai oleh Abdul Ghofar sebagai Presiden Committee is chaired by Abdul Ghofar, serving as
Komisaris/Komisaris Independen yang tidak memiliki President Commissioner/Independent Commissioner,
hubungan afiliasi dengan Dewan Komisaris, Direksi, dan who has no affiliated relationship with the Board of
Pemegang Saham Utama/Pengendali Perseroan. Commissioners, Board of Directors, or the Company’s
Major/Controlling Shareholders.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Anggota Komite Tata Kelola Terintegrasi dari pihak Independent (non-commissioner) members of the
independen (non-komisaris) tidak boleh berasal dari Integrated Governance Committee must not be officials
kalangan pejabat maupun pegawai Tugu Insurance dan or employees of Tugu Insurance, affiliated with any legal
tidak berasal dari kantor konsultan hukum terkait yang consulting firm currently providing services to Tugu
sedang memberikan jasa Tugu Insurance, dan bukan Insurance, or part of the regulatory or supervisory division
berasal dari satuan kerja pengaturan maupun pengawasan of the Financial Services Authority (OJK).
Otoritas Jasa Keuangan.
Seluruh anggota Komite Tata Kelola Terintegrasi yang All independent members of the Integrated Governance
berasal dari pihak independen tidak memiliki hubungan Committee have no financial, managerial, share
keuangan, kepengurusan, kepemilikan saham dan/atau ownership, and/or family relationships with the
hubungan keluarga dengan Dewan Komisaris, Direksi Board of Commissioners, Board of Directors, and/or
dan/atau Pemegang Saham Utama/Pengendali atau Major/Controlling Shareholders, nor any relationship
hubungan dengan Perseroan, yang dapat mempengaruhi with the Company that could impact their ability to
kemampuannya bertindak independen. act independently.
Tabel Hubungan Kekeluargaan dan Hubungan Keuangan
Table of the Familial and Financial Relationships
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan Dewan
Description Direksi Pemegang Dewan Komisaris Direksi Pemegang
Komisaris
Board of Saham Board of Board of Saham
Board of
Directors Shareholders Commissioners Directors Shareholders
Commissioners
Dian Masyita
Tajudin Noor
Abdul Ghofar
Aria Farah Mita
Ersa Tri Wahyuni
Desi Adhariani
Arif Suryawan
Tabel Independensi
Independence Table
Aspek Independensi Dian Tajudin Abdul Aria Farah Ersa Tri Desi Arif
Independence Aspect Masyita Noor Ghofar Mita Wahyuni Adhariani Suryawan
Tidak mempunyai hubungan afiliasi
dengan Emiten atau Perusahaan
Publik, anggota Direksi, anggota Dewan
Komisaris, atau Pemegang Saham
Utama Emiten atau Perusahaan Publik
tersebut.
Does not have affiliation with the Issuer
or Public Company, members of the
Board of Directors, members of the
Board of Commissioners, or Majority
Shareholders of the Issuer or Public
Company.
Tidak merangkap jabatan sebagai
anggota komite lainnya yang dimiliki
Emiten atau Perusahaan Publik
tersebut.
Does not hold concurrent positions as
members of other committees owned
by the Issuer or Public Company.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tugas dan Tanggung Jawab Komite Tata Kelola Terintegrasi
Duties and Responsibilities of the Integrated Governance Committee
Komite Tata Kelola Terintegrasi mempunyai wewenang, The Integrated Governance Committee has the authority,
tugas dan tanggung jawab sebagai berikut: duties, and responsibilities as follows:
1. Melakukan evaluasi kebijakan Tata Kelola Terintegrasi; 1. Conducting evaluations of Integrated
Governance policies.
2. Melakukan pemantauan dan evaluasi atas 2. Monitoring and evaluating the alignment and
keselarasan dan penerapan kebijakan TKT di Anak implementation of Integrated Governance policies in
perusahaan Perseroan; the Company’s subsidiaries.
3. Melakukan evaluasi pelaksanaan Tata Kelola 3. Evaluating the implementation of Integrated
Terintegrasi, paling sedikit melalui penilaian kecukupan Governance, at a minimum through assessments of
pengendalian internal dan pelaksanaan fungsi the adequacy of internal controls and the execution of
kepatuhan secara terintegrasi; compliance functions in an integrated manner.
4. Memberikan rekomendasi kepada Dewan 4. Providing recommendations to the Board of
Komisaris untuk penyempurnaan kebijakan Tata Commissioners for the improvement of Integrated
Kelola Terintegrasi; Governance policies.
5. Melakukan komunikasi dengan unit kerja untuk fungsi 5. Communicating with relevant work units, including
antara lain Audit Internal, Hukum dan Kepatuhan, Internal Audit, Legal and Compliance, Finance and
Keuangan dan Manajemen Risiko, Sumber Daya Risk Management, Human Resources, and Business
Manusia, dan aspek fungsi Operasional Usaha Operations, to obtain information, clarifications, and
yang diperlukan, untuk memperoleh informasi, necessary integrated reports.
klarifikasi serta meminta laporan yang diperlukan
secara terintegrasi;
6. Mengevaluasi kebijakan Tata Kelola Terintegrasi 6. Evaluating Integrated Governance (TKT) policies
(TKT) dan memberikan rekomendasi kepada Dewan and providing recommendations to the Board of
Komisaris terkait penyempurnaan kebijakan TKT Commissioners for policy improvements, which will
tersebut, untuk kemudian dimonitor pelaksanaannya then be monitored by the Secretary of the Integrated
oleh Sekretaris Komite Tata Kelola Terintegrasi; Governance Committee.
7. Memberikan rekomendasi perbaikan tata Kelola, 7. Providing governance improvement recommendations,
berupa upaya mitigasi dan solusi, atas isu strategis including mitigation efforts and solutions, for strategic
di Holding/Subholding/Anak Perusahaan Perseroan issues within the Holding/Subholding/Subsidiaries
berdasarkan hasil penelaahan dan evaluasi based on integrated review and evaluation results.
yang terintegrasi;
8. Melaksanakan pemantauan dan evaluasi terhadap 8. Monitoring and evaluating the implementation of
pelaksanaan fungsi Tata Kelola Terintegrasi lainnya other Integrated Governance functions in accordance
sesuai dengan ketentuan peraturan perundang- with applicable laws and regulations, the Company’s
undangan, anggaran dasar, dan/atau keputusan RUPS; Articles of Association, and/or General Meeting of
Shareholders (GMS) decisions.
9. Memfasilitasi sharing dan benchmarking dari entitas- 9. Facilitating sharing sessions and benchmarking
entitas di dalam lingkup perusahaan para anggota among entities within the scope of the Committee
Komite, untuk mengakselerasi efektivitas penerapan members’ companies to accelerate the effectiveness
Tata Kelola Terintegrasi melalui lesson learned dari of Integrated Governance implementation through
entitas yang dimaksud; lesson-learned practices.
10. Menjalankan wewenang, tugas, dan tanggung jawab 10. Carrying out other authorities, duties, and
lain yang terkait dengan fungsinya; dan responsibilities related to its function.
11. Anggota Komite Audit, Komite Pemantau Risiko, 11. Members of the Audit Committee, Risk Monitoring
serta Komite Nominasi dan Remunerasi berperan Committee, and Nomination and Remuneration
dalam Komite Tata Kelola Terintegrasi dalam Committee participate in the Integrated Governance
bentuk penugasan. Committee through specific assignments.
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Audited Report
Program Pengembangan Kompetensi Komite Tata Kelola Terintegrasi
Competency Development Program for the Integrated Governance Committee
Komite Tata Kelola Terintegrasi telah mengikuti program The Integrated Governance Committee has participated
peningkatan kompetensi sepanjang tahun 2024, in various competency development programs throughout
antara lain: 2024, including:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Abdul Ghofar Ketua Komite Tata Informasi peningkatan kompetensi/pelatihan Bapak Abdul Ghofar dapat dilihat pada informasi
Kelola Terintegrasi peningkatan kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Chairman of
the Integrated Information on Mr. Abdul Ghofar’s competency development/training can be found in the
Governance competency development/training section for the Board of Commissioners members in this
Committee governance chapter.
Aria Farah Mita Anggota Komite Tata Informasi peningkatan kompetensi/pelatihan Ibu Aria Farah Mita telah disajikan pada bagian
Kelola Terintegrasi Komite Pemantau Risiko.
Member of
the Integrated Information on Ms. Aria Farah Mita’s competency development/training has been presented in
Governance the Risk Monitoring Committee section.
Committee
Ersa Tri Wahyuni Anggota Komite Tata Informasi peningkatan kompetensi/pelatihan Ibu Ersa Tri Wahyuni telah disajikan pada bagian
Kelola Terintegrasi Komite Pemantau Risiko.
Member of
the Integrated Information on Ms. Ersa Tri Wahyuni’s competency development/training has been presented in
Governance the Risk Monitoring Committee section.
Committee
Desi Adhariani Anggota Komite Tata Informasi peningkatan kompetensi/pelatihan Ibu Desi Adhariani telah disajikan pada bagian
Kelola Terintegrasi Komite Pemantau Risiko.
Member of
the Integrated Information on Ms. Desi Adhariani’s competency development/training has been presented in
Governance the Risk Monitoring Committee section.
Committee
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rapat dan Tingkat Kehadiran Komite Tata Kelola Terintegrasi
Meetings and Attendance of the Integrated Governance Committee
Selama tahun 2024, Komite Tata Kelola Terintegrasi telah Throughout 2024, the Integrated Governance Committee
menyelenggarakan 3 (tiga) kali rapat. Berikut informasi held three (3) meetings. Below is the information on the
frekuensi rapat dan tingkat kehadiran Anggota Komite Tata meeting frequency and attendance rate of the Integrated
Kelola Terintegrasi dalam rapat di tahun 2024: Governance Committee members in 2024:
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Dian Masyita 1) - - - -
Tajudin Noor 2)
3 3 100% -
Abdul Ghofar 3) - - - -
Aria Farah Mita 3 3 100% -
Ersa Tri Wahyuni 4) 3 3 100% -
Desi Adhariani 5) - - - -
Arif Suryawan 6) - - - -
1)
Tidak lagi menjabat sebagai Ketua Komite Tata Kelola Terintegrasi terhitung sejak tanggal 29 April 2024
No longer serving as Chairman of the Integrated Governance Committee effective 29 April 2024
2)
Efektif menjabat sebagai Ketua Komite Tata Kelola Terintegrasi sejak tanggal 29 April 2024
Effectively serving as Chairman of the Integrated Governance Committee starting 29 April 2024
3)
Efektif menjabat sebagai Ketua Komite Tata Kelola Terintegrasi terhitung sejak tanggal 13 Desember 2024
Effectively serving as Chairman of the Integrated Governance Committee starting 13 December 2024
4)
Tidak lagi menjabat sebagai Anggota Komite Tata Kelola Terintegrasi terhitung sejak tanggal 30 September 2024
No longer serving as Member of the Integrated Governance Committee effective 30 September 2024
5)
Efektif menjabat sebagai Anggota Komite Tata Kelola Terintegrasi terhitung sejak tanggal 1 Oktober 2024
Effectively serving as Member of the Integrated Governance Committee starting 1 October 2024
6)
Efektif menjabat sebagai Anggota Komite Pemantau Tata Kelola Terintegrasi sejak tanggal 1 Oktober 2024
Effectively serving as Member of the Integrated Governance Monitoring Committee starting 1 October 2024
Laporan Pelaksanaan Tugas Komite Tata Kelola Terintegrasi
Report on the Implementation of Duties of the Integrated Governance Committee
Selama tahun 2024, Komite Tata Kelola Terintegrasi telah Throughout 2024, the Integrated Governance Committee
melaksanakan tugasnya yaitu melakukan 3 (tiga) kali rapat has carried out its duties by holding three (3) meetings,
yang terdiri dari 2 (dua) kali rapat dengan Fungsi Enterprise consisting of two (2) meetings with the Enterprise Risk
Risk Management (ERM) dan 1 (satu) kali dengan Management (ERM) Function and one (1) meeting with
Direktorat Kepatuhan & Manajemen Risiko. Dalam rapat the Directorate of Compliance & Risk Management.
tersebut membahas terkait Pelaksanaan Risk Maturity These meetings discussed the implementation of the
Assessment Pertamina Group, Implementasi Tata Kelola Risk Maturity Assessment for Pertamina Group, the
Terintegrasi dengan Implementasi di Pertamina (Persero) implementation of Integrated Governance in alignment with
dan Implementasi ERM. Pertamina (Persero), and the implementation of Enterprise
Risk Management (ERM).
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4.E
Sekretaris Dewan Komisaris
Secretary of The Board of Commissioners
Sekretaris Dewan Komisaris merupakan salah satu The Secretary of the Board of Commissioners is one of
organ pendukung yang membantu dan memfasilitasi the supporting organs that assists and facilitates the
Dewan Komisaris dalam menjalankan tugas dan fungsi Board of Commissioners in carrying out its supervisory
pengawasan, khususnya di bidang kesekretariatan dan duties and functions, particularly in the area of secretarial
sebagai penghubung antara Dewan Komisaris dengan matters and acting as a liaison between the Board of
pihak lain, termasuk Direksi. Commissioners and other parties, including the Board
of Directors.
Profil Sekretaris Dewan Komisaris
Profile of the Secretary of the Board of Commissioners
Per 31 Desember 2024, Sekretaris Dewan Komisaris As of 31 December 2024, the Secretary of the Board of
adalah Ulum Tri Handayani, yang diangkat berdasarkan Commissioners is Ulum Tri Handayani, who was appointed
Surat Keputusan Dewan Komisaris No. 12/SKK-ATPI/ based on the Board of Commissioners’ Decree No. 12/
XII/2023 tanggal 29 Desember 2023. SKK-ATPI/XII/202 dated 29 December 2023.
Nama Ulum Tri Handayani
Name
Jabatan Sekretaris Dewan Komisaris
Position Secretary of the Board of Commissioners
Masa Jabatan 1 Januari 2024 s.d 31 Desember 2026
Term of Office 1 January 2024 – 31 December 2026
Kewarganegaraan Indonesia
Citizenship
Usia 36 tahun
Age 36 years old
Domisili Jakarta Barat
Domicile West Jakarta
Pendidikan dan • Master di bidang Ilmu Akuntansi dari Universitas • Master’s Degree in Accounting from Universitas
Pelatihan Indonesia, lulus tahun 2015. Indonesia, graduated in 2015.
Education and Training • Sarjana Ekonomi, Jurusan Akuntansi dari Universitas • Bachelor’s Degree in Economics, majoring in
Brawijaya, lulus tahun 2011. Accounting from Universitas Brawijaya, graduated in
2011.
Riwayat Pekerjaan dan Accounting Staff, PT Ground Risk Management (2012-2013).
Rangkap Jabatan Tidak memiliki rangkap jabatan di Tugu Insurance maupun perusahaan/lembaga lain.
Work History and
Concurrent Position Accounting Staff at PT Ground Risk Management (2012–2013).
Does not hold any concurrent positions at Tugu Insurance or any other company/institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliated relationship with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tugas dan Tanggung Jawab Sekretaris Dewan Komisaris
Secretary of the Board of Commissioners’ Duties and Responsibilities
Sekretaris Dewan Komisaris membantu Dewan Komisaris The Secretary of the Board of Commissioners assists the
di bidang kegiatan kesekretariatan, meliputi: Board of Commissioners in secretarial activities, including:
1. Pelaksanaan peran sebagai penghubung antara Dewan 1. Performing the role as a liaison between the Board
Komisaris dengan Direksi dan Pemegang Saham; of Commissioners with the Board of Directors
and Shareholders;
2. Penyiapan undangan rapat dan penyiapan bahan rapat 2. Preparation of meeting invitations and materials for
Dewan Komisaris; Board of Commissioners meetings;
3. Pendokumentasian surat; 3. Documentation of correspondences;
4. Penyusunan notulen rapat; dan 4. Preparation of minutes of meetings; and
5. Pengumpulan data atau informasi yang relevan dengan 5. Collection of the data or information relevant to
pelaksanaan tugas Dewan Komisaris. implementing the Board of Commissioners’ duties.
Dalam membantu Dewan Komisaris, Sekretaris Dewan In assisting the Board of Commissioners, the Secretary of
Komisaris bertugas: the Board of Commissioners is responsible for:
1. Koordinator dalam seluruh kegiatan administrasi yang 1. Coordinating all administrative activities carried out in
dilaksanakan di Sekretariat Dewan Komisaris; the Secretariat of the Board of Commissioners.
2. Koordinator kegiatan Dewan Komisaris seperti rapat, 2. Coordinating Board of Commissioners’ activities, such
pertemuan dan lain-lain; as meetings, gatherings, and other events.
3. Bersama Komite Dewan Komisaris, menyusun Rencana 3. Collaborating with the Board of Commissioners’
Kegiatan dan Anggaran (RKA) Dewan Komisaris Committees to prepare the Annual Work Plan and
setiap tahun; Budget (RKA) for the Board of Commissioners.
4. Bersama Komite Dewan Komisaris, melakukan 4. Working with the Board of Commissioners’ Committees
analisis RKAP Perseroan, Business Plan Perseroan dan to analyze the Company’s Annual Budget Plan (RKAP),
rekomendasinya kepada Dewan Komisaris; Business Plan, and providing recommendations to the
Board of Commissioners.
5. Notulis dan membuat summary pada setiap rapat 5. Taking minutes and summarizing discussions in
antara Dewan Komisaris dan Direksi; meetings between the Board of Commissioners and
the Board of Directors.
6. Tugas-tugas lain yang berhubungan dengan bidang 6. Performing other tasks related to the secretariat
kesekretariatan Dewan Komisaris. functions of the Board of Commissioners.
Program Pengembangan Kompetensi Sekretaris Dewan Komisaris
Secretary of the Board of Commissioners Competency Enhancement Program
Sekretaris Dewan Komisaris telah mengikuti program Throughout 2024, the Secretary of the Board of
peningkatan kompetensi sepanjang tahun 2024, Commissioners participated in the following competence
antara lain: enhancement programs:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Ulum Tri Handayani Sekretaris Dewan 27 Juni 2024 Online via Zoom Mengintegrasikan Center for Risk
Komisaris 27 June 2024 manajemen Management &
Secretary of kepatuhan: Sustainability (CRMS)
the Board of Implementasi
Commissioners POJK 22/2023
dari teori ke aksi:
Kasus Pelindungan
Konsumen
Integrating
Compliance
Management:
Implementation of
POJK 22/2023 from
Theory to Action:
Consumer Protection
Case
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Audited Report
5.
Komite dan Fungsi di Bawah Direksi
Committees and Functions Under the Board of Directors
5.A
Komite Investasi
Investment Committee
Sesuai dengan ketentuan Peraturan OJK No. 73/ In accordance with OJK Regulation No. 73/POJK.05/2016
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik concerning Good Corporate Governance for Insurance
bagi Perusahaan Perasuransian, Tugu Insurance sebagai Companies, Tugu Insurance, as an insurance company,
perusahaan perasuransian wajib menyusun kebijakan is required to establish written investment policies and
dan strategi investasi secara tertulis. Ketaatan terhadap strategies. Compliance with these policies and strategies
kebijakan dan strategi investasi tersebut harus dievaluasi is evaluated periodically, at least once a year. Therefore,
secara berkala, paling sedikit satu kali dalam setahun. the Board of Directors has established an Investment
Oleh karena itu, Direksi telah membentuk Komite Investasi Committee to assist in formulating investment policies and
untuk membantu dalam merumuskan kebijakan investasi monitoring the implementation of the policies in effect.
serta memantau pelaksanaan kebijakan investasi yang
telah ditetapkan.
Susunan Keanggotaan, Dasar Pengangkatan, dan Masa Jabatan
Membership Composition, Basis of Appointment, and Term of Office
Sesuai dengan ketentuan pada POJK No. 73/ In accordance with the provisions of POJK No. 73/
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik POJK.05/2016 concerning Good Corporate Governance
bagi Perusahaan Perasuransian, Komite Investasi harus for Insurance Companies, the Investment Committee must
terdiri dari paling sedikit: consist of at least:
1. Anggota Direksi yang membawahi fungsi pengelolaan 1. A member of the Board of Directors who oversees the
investasi; dan investment management function; and
2. Aktuaris perusahaan atau tenaga ahli perusahaan. 2. The company’s actuary or experts from the company.
Komite Investasi dibentuk berdasarkan Surat Keputusan The Investment Committee was established based on the
Direksi No. 002/SKD/05/LEC-ATPI/IV/2024 tanggal 5 Board of Directors Decree No. 002/SKD/05/LEC-ATPI/
April 2024 tentang Pembentukan Komite Investasi PT IV/2024 dated 5 April 2024, regarding the Establishment
Asuransi Tugu Pratama Indonesia Tbk. Adapun komposisi of the Investment Committee of PT Asuransi Tugu Pratama
keanggotaan Komite Investasi per 31 Desember 2024 Indonesia Tbk. The composition of the Investment
adalah sebagai berikut: Committee as of 31 December 2024, is as follows:
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Posisi Nama Jabatan Periode Masa Jabatan
Position Name Position Term of Office
Ketua Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Efektif sejak 5 April 2024
Chairman Compliance & Risk Management Director Effective since 5 April 2024
Anggota Emil Hakim Direktur Keuangan & Layanan Korporat
Member Finance & Corporate Services Director
Sudarlin Direktur Teknik
Technical Director
Kristy Damayanti SVP Strategic Management & Corporate
Development
Aldy Rifianto Plt. Financial Accounting Group Head
Acting Financial Accounting Group Head
Muhamad Baskoro Legal & Compliance Group Head
Jonathan David Nandana ERM, APU PPT & Policy Group Head
Arkan Dewantara Tenaga Ahli Perusahaan
Company Expert
M Ivan Faizal Aktuaris Perusahaan
Company Actuaria
Profil Komite Investasi Per 31 Desember 2024
Profile of Investment Committee as of 31 December 2024
Untuk Profil Direktur Kepatuhan & Manajemen Risiko, For the Profile of the Compliance & Risk Management
Direktur Keuangan & Layanan Korporat, dan Direktur Teknik Director, Finance & Corporate Services Director, and
dapat dilihat pada profil Direksi. Technical Director can be viewed on the profile of the
Board of Directors.
Nama Kristy Damayanti
Name
Jabatan SVP Strategic Management & Corporate Development
Position
Kewarganegaraan Indonesia
Citizenship
Usia 46 tahun
Age 46 years old
Domisili Jakarta Timur
Domicile East Jakarta
Pendidikan dan • Master in Finance & Insurance, University of Florence • Master in Finance & Insurance, University of Florence
Pelatihan Italy (2006). Italy (2006).
Education and • Sarjana Pertanian, Institut Pertanian Bogor (2003). • Bachelor’s Degree in Agriculture from Bogor
Training Agricultural University (2003).
Pelatihan
• Employee Engagement Summit 2022: Employee Training
Engagement Di Era Adaptasi Kebiasaan Baru! Are You • Employee Engagement Summit 2022: Employee
Ready? Engagement in the Era of New Habit Adaptation! Are
• TILEARN 039: Treaty Expose 2023 You Ready?
• People Management Development Program Batch 3 • TILEARN 039: Treaty Expose 2023
• Tilearn 042: Implementasi SMAP Dalam Menunjang • People Management Development Program Batch 3
Kegiatan Operasional Perusahaan • TILEARN 042: Implementation of SMAP in Supporting
• Coaching For Empowering Your Team Company Operational Activities
• TILEARN 054 : APU, PPT & PPPSPM Di Sektor Jasa • Coaching for Empowering Your Team
Keuangan Berbasis Pojk No. 8 Tahun 2023 • TILEARN 054: AML, CTF & PPPSPM in the Financial
• Contract Lease Management Services Sector Based on POJK No. 8 of 2023
• Finance & Fund Management • Contract Lease Management
• TILEARN 061 - Financial Wellbeing Series Bijak • Finance & Fund Management
Mengelola Keuangan Dan Pentingnya Investasi • TILEARN 061 - Financial Wellbeing Series: Smart
• 30th East Asian Insurance Congress (EAIC) Financial Management and the Importance of
• Transformasi Menuju Efisiensi: Strategi & Investment
Implementasi Di Industri • 30th East Asian Insurance Congress (EAIC)
• Tishare 015 - Nasabah Dan Transaksi Mencurigakan: • Transformation Towards Efficiency: Strategy &
Apa Yang Perlu Diketahui dan Dilakukan? Implementation in the Industry
• TISHARE 015: Customers and Suspicious
Transactions: What Needs to Be Known and Done?
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Riwayat Pekerjaan • SVP Strategic Management & Corporate Development • SVP Strategic Management & Corporate Development
dan Rangkap Jabatan (2023-sekarang) (2023-Present)
Work History and • Direktur - PT Interindo (2023-sekarang) • Director - PT Interindo (2023-Present)
Concurrent Position • Strategic Planning & Mgt. Accounting Group Head • Strategic Planning & Management Accounting Group
(2022-2023) Head (2022-2023)
• Fin. Planning & Evaluation Group Head (2016-2022) • Financial Planning & Evaluation Group Head
• Verification & Tax Operation Dept. Head (2014-2016) (2016- 2022)
• Budget & Performance Analyst Manager (2013-2014) • Verification & Tax Operation Dept. Head (2014-2016)
• Performance Analyst Sr. Officer (2008-2013) • Budget & Performance Analyst Manager (2013-2014)
• Performance Analyst Sr. Officer (2008-2013)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Directors, and Major/Controlling Shareholders.
Nama Aldy Rifianto
Name
Jabatan Plt. Financial Accounting Group Head
Position Acting Financial Accounting Group Head
Kewarganegaraan Indonesia
Citizenship
Usia 38 tahun
Age 38 years old
Domisili Depok
Domicile
Pendidikan dan S2- Universitas Gadjah Mada (Manajemen) Master’s Degree - Universitas Gadjah Mada
Pelatihan (Management)
Education and Training Pelatihan
• Employee Engagement Summit 2022: Employee Training
Engagement Di Era Adaptasi Kebiasaan Baru! Are • Employee Engagement Summit 2022: Employee
You Ready? Engagement in the Era of New Habit Adaptation! Are
• Ey Reporting and Calculation Platform (Rcp) As Ifrs You Ready?
17 Solution • EY Reporting and Calculation Platform (RCP) as IFRS
• Tilearn 039: Treaty Expose 2023 17 Solution
• People Management Development Program Batch 3 • TILEARN 039: Treaty Expose 2023
• Risk Management Forum Pertamina Group 2023 • People Management Development Program Batch 3
• Tilearn 042: Implementasi Smap Dalam Menunjang • Risk Management Forum Pertamina Group 2023
Kegiatan Operasional Perusahaan • TILEARN 042: Implementation of SMAP in Supporting
• Coaching For Empowering Your Team Company Operational Activities
• Training For Facilitator: How to Enhance the Skill on • Coaching for Empowering Your Team
Becoming Excellent Trainer • Training for Facilitators: How to Enhance Skills to
• Reinsurance Class of Excellence Become an Excellent Trainer
• QCRO • Reinsurance Class of Excellence
• Persiapan Implementasi Psak 117 (Kontrak • QCRO
Asuransi), Psak 109 (Instrumen Keuangan), Dan Iftrs • Preparation for the Implementation of PSAK
18 117 (Insurance Contracts), PSAK 109 (Financial
Instruments), and IFRS 18
Riwayat Pekerjaan dan • Plt. Financial Accounting Group Head • Acting Financial Accounting Group Head
Rangkap Jabatan (2024-sekarang) (2024-Present)
Work History and • Production Accounting Department Head (2022- • Production Accounting Department Head (2022-
Concurrent Position 2024) 2024)
• Budgeting & Forecasting Department Head (2018- • Budgeting & Forecasting Department Head (2018-
2022) 2022)
• Fin. Acc. Officer (2013-2018) • Financial Accounting Officer (2013-2018)
• Senior Administrator (2013) • Senior Administrator (2013)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Directors, and Major/Controlling Shareholders.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Muhamad Baskoro
Name
Jabatan Legal & Compliance Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 42 tahun
Age 42 years old
Domisili Tangerang
Domicile
Pendidikan dan S2 - University Of Groningen (International Economic And Master’s Degree - University of Groningen (International
Pelatihan Business Law) Economic and Business Law)
Education and Training
Pelatihan Training
• Undang- Undang Pelindungan Data Pribadi • Personal Data Protection Law
Riwayat Pekerjaan dan Legal, Compliance & Data Protection Group Head (2025 - sekarang)
Rangkap Jabatan Legal, Compliance & Data Protection Group Head (2025 - Present)
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Jonathan David Nandana
Name
Jabatan ERM, APU PPT & Policy Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 44 tahun
Age 44 years old
Domisili Tangerang
Domicile
Pendidikan dan S2 - Prasetiya Mulya (Magister Manajemen) Master’s Degree - Prasetiya Mulya (Master of
Pelatihan Management)
Education and Training Pelatihan
• Employee Engagement Summit 2022: Employee Training
Engagement Di Era Adaptasi Kebiasaan Baru! Are • Employee Engagement Summit 2022: Employee
You Ready Engagement in the Era of New Habit Adaptation! Are
• Fugsi Pengawasan Entitas Dalam Lingkup Tata Kelola You Ready?
Risiko & Peran Internal Audit Dalam Manajemen • Supervisory Function of Entities in the Scope of
Risiko Risk Governance & the Role of Internal Audit in Risk
• QCRO Management
• People Management Development Program Batch 3 • QCRO
• Risk Management Forum Pertamina Group 2023 • People Management Development Program Batch 3
• Tilearn 042: Implementasi Smap Dalam Menunjang • Risk Management Forum Pertamina Group 2023
Kegiatan Operasional Perusahaan • TILEARN 042: Implementation of SMAP in Supporting
• Coaching For Empowering Your Team Company Operational Activities
• Tilearn 054 : Apu, Ppt & Pppspm Di Sektor Jasa • Coaching for Empowering Your Team
Keuangan • TILEARN 054: AML, CTF & PPPSPM in the Financial
• Undang- Undang Pelindungan Data Pribadi Services Sector
• Personal Data Protection Law
Riwayat Pekerjaan dan • ERM, HSSE & APU PPT GROUP HEAD • ERM, HSSE & APU PPT Group Head (2024-Present)
Rangkap Jabatan (2024-sekarang) • Business Development Group Head (2023-2024)
Work History and • BUSINESS DEVELOPMENT GROUP HEAD (2023- • Strategic Partnership Group Head (2023)
Concurrent Position 2024) • Marketing & Services Group Head (2022-2023)
• Strategic Partnership Group Head (2023) • Corporate Communication & Relation Group Head
• Marketing & Services Group Head (2022-2023) (2020-2022)
• Corporate Communication & Relation Group Head
(2020-2022)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
322 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Arkan Dewantara
Name
Jabatan Tenaga Ahli Perusahaan
Position Company Expert
Kewarganegaraan Indonesia
Citizenship
Usia 48 tahun
Age 48 years old
Domisili Jakarta Barat
Domicile
Pendidikan dan S2- Universitas Indonesia (Teknik Industri) Master’s Degree - Universitas Indonesia (Industrial
Pelatihan Engineering)
Education and Training Pelatihan
• The 1st Indonesia Insurance Summit Training
• Risk Management Forum Pertamina Group 2023 • The 1st Indonesia Insurance Summit
• Coaching For Empowering Your Team • Risk Management Forum Pertamina Group 2023
• TILEARN 054 : APU, PPT & PPPSPM Di Sektor Jasa • Coaching for Empowering Your Team
Keuangan • TILEARN 054: AML, CTF & PPPSPM in the Financial
• TILEARN 047 : Right Service Experience For The Services Sector
Right Customer • TILEARN 047: Right Service Experience for the Right
• ISO 27001 Mengenai Sistem Manajemen Keamanan Customer
Informasi (SMKI) dan ISO 37001 Mengenai Sistem • ISO 27001: Information Security Management
Manajemen Anti Penyuapan (SMAP) System (ISMS) and ISO 37001: Anti-Bribery
• Enhacing Back Office Performance to Provide Service Management System (ABMS)
Excellence Batch 5 • Enhancing Back Office Performance to Provide
• Asuransi Kredit & Penjaminan Kredit Service Excellence Batch 5
• Credit Insurance & Credit Guarantee
Riwayat Pekerjaan dan • Marine & Aviation Claim Department Head • Marine & Aviation Claim Department Head
Rangkap Jabatan (2019-sekarang) (2019-Present)
Work History and • Cargo & Hull U/W Dept. Head (2017-2019) • Cargo & Hull Underwriting Department Head (2017-
Concurrent Position • Sr. Underwriter (2013-2017) 2019)
• Underwriter (2013) • Senior Underwriter (2013-2017)
• Underwriter (2013)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama M. Ivan Faizal
Name
Jabatan Aktuaris Perusahaan
Position Company Actuaria
Kewarganegaraan Indonesia
Citizenship
Usia 44 tahun
Age 44 years old
Domisili Bekasi
Domicile
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 323
Page 326
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendidikan dan S2 - Universitas Indonesia (Manajemen Aktuaria) Master’s Degree - Universitas Indonesia (Actuarial
Pelatihan Management)
Education and Training Pelatihan
• EY Reporting And Calculation Platform (RCP) as IFRS Training
17 Solution • EY Reporting and Calculation Platform (RCP) as IFRS
• International Financial Reporting For Insurers 17 Solution
Certificate Program • International Financial Reporting for Insurers
• Actuaries In Challenging Economics Certificate Program
• Indonesian Actuaries Congress 2023 Shaping Future • Actuaries in Challenging Economics
Actuaries • Indonesian Actuaries Congress 2023 – Shaping
• People Management Development Program Batch 3 Future Actuaries
• Risk Management Forum Pertamina Group 2023 • People Management Development Program Batch 3
• Coaching For Empowering Your Team • Risk Management Forum Pertamina Group 2023
• Continuous Improvement Program Dan Implementasi
Konsep Menuju Annual Pertamina Quality • Coaching for Empowering Your Team
Awards (APQA) 2025 • Continuous Improvement Program and
• 7th Indonesian Actuaries Summit 2024 Implementation of Concepts Towards Annual
• PSAK 117 Pertamina Quality Awards (APQA) 2025
• Indonesian Actuarial Conference 2024 • 7th Indonesian Actuaries Summit 2024
• Asuransi Kredit & Penjaminan Kredit • PSAK 117
• Indonesian Actuarial Conference 2024
• Credit Insurance & Credit Guarantee
Riwayat Pekerjaan dan • Appointed Actuary (2023-Sekarang) • Appointed Actuary (2023-Present)
Rangkap Jabatan • Actuary Department Head (2020-2023) • Actuary Department Head (2020-2023)
Work History and • Sr. Underwriter (2020) • Senior Underwriter (2020)
Concurrent Position • Underwriter (2017-2019) • Underwriter (2017-2019)
• Analyst (2014-2017) • Analyst (2014-2017)
• Portfolio Analyst (2013-2014) • Portfolio Analyst (2013-2014)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Pernyataan Independensi Komite Investasi
Statement of Investment Committee’s Independence
Komite Investasi bertanggung jawab langsung kepada The Investment Committee reports directly to the Board of
Direksi. Dalam melaksanakan fungsinya, seluruh anggota Directors. In performing its functions, all members of the
Komite Investasi bersifat independen serta wajib Investment Committee are independent, compliant, and
mematuhi dan memenuhi ketentuan hukum serta regulasi must adhere to the applicable laws and regulations.
yang berlaku.
324 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Program Peningkatan Kompetensi Komite Investasi
Investment Committee’s Competency Enhancement Program
Komite Investasi telah mengikuti program peningkatan Investment Committee members enhanced their
kompetensi sepanjang tahun 2024, antara lain: competencies in 2024 by participating in the following
competency enhancement programs:
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Edi Yoga Prasetyo Direktur Kepatuhan Informasi peningkatan kompetensi/pelatihan Bp. Edi Yoga Prasetyo dapat dilihat pada informasi
& Manajemen peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Risiko
Information on Mr. Edi Yoga Prasetyo's competency development/training can be found in the
Compliance & competency development/training section for Board of Directors members in this governance
Risk Management chapter.
Director
Emil Hakim Direktur Keuangan Informasi peningkatan kompetensi/pelatihan Bp. Emil Hakim dapat dilihat pada informasi
& Layanan Korporat peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Finance & Corporate Information on Mr. Emil Hakim's competency development/training can be found in the competency
Services Director development/training section for Board of Directors members in this governance chapter.
Sudarlin Direktur Teknik Informasi peningkatan kompetensi/pelatihan Bp. Sudarlin dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Technical Director Information on Mr. Sudarlin's competency development/training can be found in the competency
development/training section for Board of Directors members in this governance chapter.
Kristy Damayanti SVP Strategic Online, 16 Juli 2024 Sosialisasi Anti Fraud & Tugu Institute X Internal Audit
Management Online, 16 July 2024 Whistleblowing System Group
& Corporate Anti-Fraud & Whistleblowing
Development System Socialization
Jakarta, 26 Agustus 2024 Continuous Improvement Tugu Institute X Research,
Jakarta, 26 August 2024 Program dan Implementasi Development & Transformation
Konsep Menuju Annual Group
Pertamina Quality Awards
(APQA) 2025
Continuous Improvement
Program and Implementation
of Concepts Towards Annual
Pertamina Quality Awards
(APQA) 2025
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X Research,
Jakarta, 26 August 2024 Implementasi Strategy and Development & Transformation
Service Blue Print untuk Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 29 Juli 2024 M&A Complete Cycle Pertamina
Jakarta, 29 July 2024
Hongkong, 24 September 2024 30th East Asian Insurance East Asian Insurance Congress
Hongkong, 24 September 2024 Congress (EAIC)
Jakarta, 28 Agustus 2024 TILEARN 063 - Menuju Digital Tugu Institute X Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
TILEARN 063 - Towards a Group
Digital Service Insurance
Company
Online, 30 September 2024 "Transformasi Menuju Efisiensi: Asosiasi Ahli Management
Online, 30 September Strategi & Implementasi di Asuransi Indonesia
2024 Industri Perasuransian" Indonesian Insurance
Transformation Towards Management Experts
Efficiency: Strategy & Association (Aamai)
Implementation in the
Insurance Industry
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 325
Page 328
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Jakarta, 9 Desember 2024 Tishare 015 - Nasabah dan Tugu Institute X ERM, HSSE,
Jakarta, 9 December 2024 Transaksi Mencurigakan: APU PPT Group
Apa yang perlu diketahui dan
dilakukan?
TISHARE 015 - Customers and
Suspicious Transactions: What
Needs to Be Known and Done?
Aldy Rifianto Plt. Financial Jakarta, 6 Maret 2024 Enhancing Back Office Markplus Institute
Accounting Group Jakarta, 6 March 2024 Performance To Provide Service
Head Excellence Batch 7
Acting Financial Jakarta, 7 Maret 2024 Training For Facilitator: How To Markplus Institute
Accounting Group Jakarta, 7 March 2024 Enhance the Skill on Becoming
Head Excellent Trainer
Jakarta, 7 Juni 2024 Sosialisasi Internal Memo Tugu Institute X MDM
Jakarta, 7 June 2024 Workflow
Internal Memo Workflow
Socialization
Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute X Internal Audit
Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X Research,
Jakarta, 26 August 2024 Implementasi Strategy and Development & Transformation
Service Blue Print untuk Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Switzerland, 19 Agustus 2024 Reinsurance Class of Excellence Swiss Re
Switzerland, 19 August 2024
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute X Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
TILEARN 063 - Towards a Group
Digital Service Insurance
Company
Jakarta, 17 September 2024 QCRO Widya Dharma Artha
Jakarta, 17 September 2024
Bogor, 25 Oktober 2024 Persiapan Implementasi PSAK Ikatan Akuntan Indonesia
Bogor, 25 October 2024 117 (Kontrak Asuransi), PSAK
109 (Instrumen Keuangan),
dan IFRS 18
Preparation for the
Implementation of PSAK 117
(Insurance Contracts), PSAK
109 (Financial Instruments),
and IFRS 18
Jakarta, 10 Desember 2024 Undang-Undang Perlindungan Tugu Institute X Legal &
Jakarta, 10 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
Muhamad Baskoro Legal & Compliance Jakarta, 11 Desember 2024 Undang- Undang Perlindungan Tugu Institute X Legal &
Group Head Jakarta, 11 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
326 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Jonathan David ERM, APU PPT & Jakarta, 27 Juni 2024 Tilearn 061 - Financial Tugu Institute
Nandana Policy Group Head Jakarta, 27 June 2024 Wellbeing Series Bijak
Mengelola Keuangan dan
Pentingnya Investasi
Tilearn 061 - Financial
Wellbeing Series: Smart
Financial Management and the
Importance of Investment
Online, 16 Juli 2024 Sosialisasi Anti-fraud & Tugu Institute X Internal Audit
Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X Research,
Jakarta, 26 August 2024 Implementasi Strategy and Development & Transformation
Service Blue Print untuk Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute X Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
Tilearn 063 - Towards a Digital Group
Service Insurance Company
Jakarta, 11 Desember 2024 Undang-Undang Perlindungan Tugu Institute X Legal &
Jakarta, 11 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
Jakarta, 18 Desember 2024 Sertifikasi First Aid Kit Phitagoras
Jakarta, 18 December 2024 First Aid Kit Certification
Arkan Dewantara Tenaga Ahli Jakarta, 4 Maret 2024 Enhancing Back Office MarkPlus Institute
Perusahaan Jakarta, 4 March 2024 Performance to Provide Service
Company Expert Excellence Batch 5
Jakarta 27 Juni 2024 Tilearn 061 - Financial Tugu Institute
Jakarta, 27 June 2024 Wellbeing Series Bijak
Mengelola Keuangan dan
Pentingnya Investasi
Tilearn 061 - Financial
Wellbeing Series: Smart
Financial Management and the
Importance of Investment
Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute x Internal Audit
Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
Tilearn 063 - Towards a Digital Group
Service Insurance Company
Jakarta, 11 Desember 2024 Asuransi Kredit & Penjaminan Ahli Asuransi Learning Center
Jakarta, 11 December 2024 Kredit
Credit Insurance & Credit
Guarantee
Jakarta, 26 September 2024 Menuju Pelayanan Back Frontier
Jakarta, 26 September 2024 Office yang “Trust”, “Easy”, &
“Friendly” - Batch 1
Towards a "Trust," "Easy," &
"Friendly" Back Office Service
- Batch 1
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 327
Page 330
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
M. Ivan Faizal Aktuaris Online, 24 Juli 2024 Menyambut IFRS 17 PAI (Persatuan Aktuaris
Perusahaan Online, 24 July 2024 Welcoming IFRS 17 Indonesia - Society of Actuaries
Company Actuary of Indonesia)
Jakarta, 4 Maret 2024 Enhancing Back Office MarkPlus Institute
Jakarta, 4 March 2024 Performance to Provide Service
Excellence Batch 5
Jakarta, 7 Maret 2024 Training For Facilitator: How to MarkPlus Institute
Jakarta, 7 March 2024 Enhance the Skill on Becoming
Excellent Trainer
Jakarta, 7 Juni 2024 Sosialisasi Internal Memo Tugu Institute x MDM (Master
Jakarta, 7 June 2024 Workflow Data Management)
Internal Memo Workflow
Socialization
Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute x Internal Audit
Jakarta, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Continuous Improvement Tugu Institute x Research,
Jakarta, 26 August 2024 Program dan Implementasi Development & Transformation
Konsep Menuju Annual Group
Pertamina Quality
Awards (APQA) 2025
Semarang, 20 Agustus 2024 7th Indonesian Actuaries PAI (Persatuan Aktuaris
Semarang, 20 August 2024 Summit 2024 Indonesia)
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
Tilearn 063 - Towards a Digital Group
Service Insurance Company
Jakarta, 15 Oktober 2024 PSAK 117 Institute of Public Accountants
Jakarta, 15 October 2024 of Indonesia (Institut Akuntan
Publik Indonesia - IAPI)
Jakarta, 20 November 2024 Indonesian Actuarial Conference Indonesian Society of Actuaries
Jakarta, 20 November 2024 2024 (Persatuan Aktuaris Indonesia
- PAI)
Jakarta, 11 Desember 2024 Asuransi Kredit & Penjaminan Ahli Asuransi Learning Center
Jakarta, 11 December 2024 Kredit
Indonesian Actuarial
Conference 2024
Jakarta, 9 Desember 2024 Tishare 015 - Nasabah dan Tugu Institute x ERM, HSSE,
Jakarta, 9 December 2024 Transaksi Mencurigakan : APU PPT Group
Apa yang perlu diketahui dan
dilakukan?
Tishare 015 - Customers and
Suspicious Transactions: What
Needs to Be Known and Done?
Jakarta, 10 Oktober 2024 Menuju Pelayanan Back Frontier
Jakarta, 10 October 2024 Office yang “Trust”, “Easy”, &
“Friendly” - Batch 7
Towards a "Trust," "Easy," &
"Friendly" Back Office Service
- Batch 7
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
328 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 331
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugas dan Tanggung Jawab
Duties and Responsibilities
Komite Investasi Tugu Insurance mengemban tugas, The Investment Committee of Tugu Insurance has the
tanggung jawab, dan memiliki wewenang sebagai berikut: following duties, responsibilities, and authorities:
1. Menetapkan sasaran investasi dan tingkat risiko yang 1. Set investment targets and acceptable levels of risk;
dapat diterima atau ditanggung;
2. Menetapkan batasan investasi, kebijakan investasi 2. Determine investment limits and policies in accordance
sesuai dengan aturan, ketentuan Pemerintah, dan with government regulations and prevailing laws;
Undang-Undang yang berlaku;
3. Bersama-sama dengan Kepala Grup Manajemen 3. Collaborate with the Investment & Financial Risk
Investasi & Treasury, menetapkan kebijakan alokasi Management Group Head to establish the investment
portofolio investasi yang diperkirakan akan dapat portfolio allocation policy, which is expected to achieve
memenuhi target hasil investasi yang telah ditetapkan; the predetermined investment return target;
4. Menetapkan syarat-syarat/kualifikasi yang harus 4. Set the criteria/qualifications that must be met when
dipenuhi dalam memilih tenaga ahli/manajer investasi selecting external investment experts/managers;
dari luar Perusahaan;
5. Menetapkan institusi tempat penitipan harta 5. Appoint the institution responsible for the safekeeping
(kustodian); of assets (custodian);
6. Mengawasi kegiatan Kepala Grup Manajemen Investasi 6. Oversee the activities of the Investment & Financial
& Treasury serta kegiatan Manajer Investasi yang Risk Management Group Head as well as external
berasal dari luar Perusahaan; Investment Managers;
7. Mengembangkan, mengkaji, dan menetapkan kebijakan 7. Develop, review, and establish annual policies and
dan strategi tahunan pengelolaan Asset Liability strategies for Asset Liability Management (ALMA);
Management (ALMA);
8. Melakukan tinjauan secara periodik terhadap posisi 8. Periodically review the liquidity position in the form of
likuiditas dalam bentuk aset likuid; liquid assets;
9. Menetapkan rambu-rambu/batasan dan petunjuk 9. Set boundaries and guidelines for the management
pengelolaan serta pengendalian risiko yang and control of risks that impact:
berdampak pada:
a. Risiko Likuiditas (Liquidity Management); a. Liquidity Risk (Liquidity Management);
b. Risiko Pasar seperti Risiko Suku Bunga (Interest b. Market Risk, such as Interest Rate Risk (Interest
Rate Management); Rate Management);
c. Risiko Nilai Tukar (Currency Management). c. Exchange Rate Risk (Currency Management).
10. Menyampaikan informasi kepada Direksi mengenai 10. Provide the pBoard of Directors with information on any
setiap perkembangan ketentuan dan peraturan terkait developments in relevant regulations that affect ALMA’s
yang mempengaruhi strategi dan kebijakan ALMA. strategy and policies.
Kebijakan dan Pelaksanaan Rapat
Meeting Policy and Implementation Policy
Komite Investasi wajib melakukan rapat berkala dengan Meeting Policy and Implementation Policy
ketentuan sebagai berikut: The Committee is required to hold regular meetings under
1. Komite wajib melakukan rapat paling sedikit 3 (tiga) the following conditions:
bulan sekali; 1. The Committee must hold a meeting at least once
every 3 (three) months;
2. Rapat Komite dipimpin oleh Ketua Komite. Dalam hal 2. Committee meetings are chaired by the Committee
Ketua Komite berhalangan hadir, Ketua Komite akan Chairman. If the Chairman is unable to attend, the
menunjuk salah satu Anggota Komite untuk bertugas Chairman will appoint one of the Committee Members
sebagai pimpinan rapat; to act as the meeting chair;
3. Pembahasan dalam rapat Komite dapat berupa rapat 3. Discussions in the Committee may take the form of
tatap muka atau penandatanganan sirkuler; meetings or circular resolutions;
4. Rapat dianggap sah dan berwenang mengambil 4. Meetings are considered valid and authorized to
keputusan yang mengikat apabila telah memenuhi make binding decisions if they meet the quorum for
kuorum kehadiran anggota; member attendance;
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 329
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
5. Rapat akan memenuhi kuorum apabila dihadiri oleh 5. A meeting will meet the quorum if attended by 2/3
2/3 (dua per tiga) Anggota Komite. Keputusan rapat (two-thirds) of the Committee Members. The meeting’s
akan sah apabila disetujui oleh 2/3 (dua per tiga) decision will be valid if approved by 2/3 (two-thirds) of
Anggota Komite yang hadir; the Committee Members present;
6. Keputusan dapat diambil dengan suara bulat dari 6. Decisions may be made by unanimous vote of the
Anggota Komite yang hadir atau berdasarkan suara Committee Members present or by majority vote
mayoritas (>50%) dari Anggota Komite yang hadir; (>50%) of the Committee Members present;
7. Dalam hal jumlah suara yang setuju sama dengan 7. In the event of a tie vote, the decision of the meeting
jumlah suara yang tidak setuju, maka keputusan rapat shall be submitted to the meeting chairman;
diserahkan kepada pimpinan rapat;
8. Dalam pelaksanaan rapat Komite, selain dihadiri oleh 8. In conducting the Committee meeting, in addition to
Anggota Komite, rapat dapat mengundang pihak-pihak being attended by Committee Members, the meeting
(invitee) yang dianggap terkait sesuai dengan agenda may invite relevant parties (invitees) according to the
yang dibahas; agenda being discussed;
9. Setiap perbedaan pendapat (dissenting opinion) dalam 9. Any dissenting opinions in the meeting must be clearly
rapat harus secara jelas dinyatakan dalam Risalah stated in the minutes of the meeting along with the
Rapat beserta alasannya; dan reasons; and
10. Anggota Komite yang hadir maupun yang tidak 10. Both present and absent Committee Members are
hadir dalam rapat berhak menerima salinan risalah entitled to receive a copy of the meeting minutes.
rapat Komite.
Selama tahun 2024, Komite Investasi telah During 2024, the Investment Committee held four (4)
menyelenggarakan 4 (empat) kali rapat dengan rincian meetings with the following attendance details:
kehadiran sebagai berikut:
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Edi Yoga Prasetyo 4 4 100% -
Emil Hakim 4 4 100% -
Sudarlin 4 2 50% -
Kristy Damayanti 4 4 100% -
Aldy Rifianto 4 4 100% -
Muhamad Baskoro 1) 2 1 50% -
Jonathan David Nandana 2) 1 1 100% -
Arkan Dewantara 4 3 75% -
M Ivan Faizal 4 4 100% -
1) Menjabat sebagai anggota Komite Investasi sejak 28 Oktober 2024
Serving as a member of the Investment Committee since 28 October 2024
2) Menjabat sebagai anggota Komite Investasi sejak 1 November 2024
Serving as a member of the Investment Committee since 1 November 2024
Laporan Pelaksanaan Tugas Komite Investasi
Investment Committee Duties Implementation Report
Berikut adalah laporan pelaksanaan tugas Komite The following is a report on the implementation of the
Investasi di tahun 2024: Investment Committee’s duties in 2024:
1. Melakukan 4 kali rapat Komite Investasi sepanjang 1. Held four (4) Investment Committee meetings
tahun 2024. throughout 2024.
2. Melakukan monitoring terhadap Asset & Liability 2. Monitored Asset & Liability Management (ALMA).
Management (ALMA).
3. Melakukan revitalisasi Pedoman Kebijakan 3. Revitalized the 2024 Investment Policy Guidelines.
Investasi 2024.
4. Mengoptimalkan alokasi investasi perusahaan dengan 4. Optimized the company’s investment allocation by
memilih instrumen investasi yang memberikan tingkat selecting investment instruments that offer higher
yield lebih tinggi dengan tetap memperhatikan tingkat yields while maintaining the predetermined risk levels.
risiko yang telah ditetapkan.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5.B
Komite Manajemen Risiko
Risk Management Committee
Tugu Insurance telah membentuk Komite Manajemen Tugu Insurance has established the Risk Management
Risiko dengan tujuan untuk membantu Direksi Committee to support the Board of Directors in monitoring
dalam memantau implementasi Manajemen Risiko, the implementation of Risk Management, anticipating
mengantisipasi potensi risiko yang mungkin terjadi potential risks that may arise in line with Tugu Insurance’s
seiring dengan pertumbuhan bisnis Tugu Insurance, business growth, monitoring the development of risk
memantau perkembangan eksposur risiko, serta meninjau exposure, and reviewing the ongoing implementation
pelaksanaan dan pembaruan kebijakan, proses, dan and updates of Risk Management policies, processes,
prosedur Manajemen Risiko yang berkelanjutan. and procedures.
Dasar hukum atas terbentuknya Komite Manajemen Risiko Legal basis:
antara lain: 1. Law No. 40 of 2007 on Limited Liability Companies,
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan as partially amended by Law No. 11 of 2020 on Job
Terbatas sebagaimana diubah sebagian oleh Undang- Creation;
Undang No. 11 Tahun 2020 tentang Cipta Kerja; 2. Financial Services Authority Regulation No. 44/
2. Peraturan Otoritas Jasa Keuangan No. 44/ POJK.05/2020 on the Implementation of Risk
POJK.05/2020 tentang Penerapan Manajemen Risiko Management for Non-Bank Financial Services
Bagi Lembaga Jasa Keuangan Non-Bank; Institutions;
3. Surat Edaran Otoritas Jasa Keuangan No. 8/ 3. Circular Letter of the Financial Services Authority
SEOJK.05/2021 tentang Penerapan Manajemen Risiko No. 8/SEOJK.05/2021 on the Implementation of
Bagi Perusahaan Asuransi, Perusahaan Asuransi Risk Management for Insurance Companies, Sharia
Syariah, Perusahaan Reasuransi, dan Perusahaan Insurance Companies, Reinsurance Companies, and
Reasuransi Syariah; dan Sharia Reinsurance Companies; and
4. Term of Reference Komite Manajemen Risiko PT 4. Terms of Reference of the Risk Management
Asuransi Tugu Pratama Indonesia Tbk. Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Susunan Keanggotaan, Dasar Pengangkatan, dan Masa Jabatan
Membership Composition, Basis of Appointment, and Term of Office
Susunan keanggotaan Komite Manajemen Risiko Tugu The Tugu Insurance Risk Management Committee
Insurance terdiri dari mayoritas anggota Direksi, yang salah comprises the majority of the Board of Directors members,
satunya merupakan anggota Direksi yang membawahi one of whom is a member of the Board of Directors in
fungsi Manajemen Risiko, serta beberapa Pejabat charge of the Risk Management function, and several
Eksekutif Perusahaan (satu tingkat di bawah Direksi) yang Executive Officers of the Company (one level below the
berhubungan dengan pengelolaan risiko dan pengendalian Board of Directors) who are involved in the Company’s risk
internal Perusahaan. Anggota komite terdiri dari Anggota management and internal control. Committee members
Tetap dengan hak suara dan Anggota Tidak Tetap tanpa consist of Permanent Members with voting rights and
hak suara dalam pen Non-Permanent Members without voting rights in decision-
gambilan keputusan. making.
Komite Manajemen Risiko dibentuk berdasarkan The Risk Management Committee was formed based on
Surat Keputusan Direksi No. 24/SKD/05/ERL-ATPI/ the Decree of the Board of Directors No. 24/SKD/05/
XII/2022 tanggal 5 Desember 2022 tentang Perubahan ERL-ATPI/XII/2022 dated 5 December 2022 concerning
Pembentukan Komite Manajemen Risiko PT Asuransi Tugu Changes in the Formation of the Risk Management
Pratama Indonesia Tbk. Adapun komposisi keanggotaan Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Komite Manajemen Risiko per 31 Desember 2024, The composition of the Risk Management Committee
antara lain: membership as of 31 December 2024 is as follows:
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Posisi Nama Jabatan Periode Masa Jabatan
Position Name Position Term of Office
Ketua Komite Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen 3 (tiga) tahun dan dapat diangkat
Committee Chair Risiko kembali dengan tidak mengurangi
Compliance & Risk Management hak Direksi untuk mengubah
Director susunan Komite Manajemen
Wakil Ketua Emil Hakim Direktur Keuangan & Layanan Risiko sewaktu-waktu.
Vice Chair Korporat
Finance & Corporate Services Three (3) years and may be
Director reappointed without limiting
the Board of Directors' right to
Sekretaris Jonathan David Nandana ERM & Legal Group Head change the composition of the
Secretary Risk Management Committee at
Anggota Sudarlin Direktur Teknik any time.
Member Techincal Director
Ery Widiatmoko Direktur Pemasaran Asuransi
Insurance Marketing Director
Edwar Plt. Investment & Treasury
Management Group Head
Acting Investment & Treasury
Management Group Head
Andy Prasetyo Wibowo Strategic Management Group
Head
Resti Setia Utari Internal Audit Group Head
Muhamad Baskoro Legal & Compliance Group Head
Anggota Tidak Tetap Pejabat yang terkait dengan topik yang dibahas dan/atau direkomendasikan dalam Komite Manajemen
Non-Permanent Member Risiko, kecuali pengusul untuk transaksi atau hal-hal yang menyimpang dari prosedur normal.
Officials related to the topics discussed and/or recommended in the Risk Management Committee, except
for proposers of transactions or matters that deviate from normal procedures.
Profil Komite Manajemen Risiko Per 31 Desember Profile of Risk Management Committee as of 31
2024 December 2024
Untuk Profil Direktur Kepatuhan & Manajemen Risiko, The profiles of the Director of Compliance & Risk
Direktur Keuangan & Layanan Korporat, Direktur Teknik, Management, Director of Finance & Corporate Services,
dan Direktur Pemasaran Asuransi dapat dilihat pada profil Technical Director, and Director of Insurance Marketing can
Direksi dalam Laporan Tahunan ini. be found in the Board of Directors’ profile section of this
Annual Report.
Nama Jonathan David Nandana
Name
Jabatan ERM, APU PPT & Policy Group Head
Position
Untuk profil Bapak Jonathan David Nandana dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini
The profile of Mr. Jonathan David Nandana can be found in the Investment Committee members' profile section of this Annual Report.
Nama Edwar
Name
Jabatan Plt. Investment & Treasury Management Group Head
Position Acting Investment & Treasury Management Group Head
Kewarganegaraan Indonesia
Citizenship
Usia 45 tahun
Age 45 years old
Domisili Depok
Domicile
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pendidikan dan S1 - Universitas Padjadjaran (Ekonomi) Bachelor’s Degree - Universitas Padjadjaran (Economics)
Pelatihan
Education and Training Pelatihan Training
• Sosialisasi Internal Memo Workflow • Internal Memo Workflow Socialization
• Sosialisasi Dan Pelatihan Implementasi Strategy And • Socialization and Training on Strategy and Service
Service Blue Print untuk Manajemen Blueprint Implementation for Management
• TILEARN 063 - Menuju Digital Service Insurance • TILEARN 063 - Towards a Digital Service Insurance
Company Company
• Annual Membership 2024 - CFA Institute • Annual Membership 2024 - CFA Institute
• Business Valuation Batch Iii • Business Valuation Batch III
• Undang- Undang Pelindungan Data Pribadi • Personal Data Protection Law
• Seminar PraPlanning Cycle • Pre-Planning Cycle Seminar
Riwayat Pekerjaan dan • Plt. Investment & Treasury Mgt. Group Head • Acting Investment & Treasury Management Group
Rangkap Jabatan (2023-sekarang) Head (2023-Present)
Work History and • Capital Market Department Head (2021-2023) • Capital Market Department Head (2021-2023)
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Andy Prasetyo Wibowo
Name
Jabatan Strategic Management Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 47 tahun
Age 47 years old
Domisili Tangerang
Domicile
Pendidikan dan S1 - Universitas Brawijaya (Akuntansi) Bachelor’s Degree - Universitas Brawijaya (Accounting)
Pelatihan
Education and Training Pelatihan Training
• Pemasaran Asuransi Pengangkutan Barang • Marketing of Cargo Insurance
• Training For Facilitator: How To Enhance The Skill On • Training for Facilitators: How to Enhance Skills to
Becoming Excellent Trainer Become an Excellent Trainer
• Sosialisasi Anti Fraud & Whistleblowing System • Anti-Fraud & Whistleblowing System Socialization
• Continuous Improvement Program dan Implementasi • Continuous Improvement Program and
Konsep Menuju Annual Pertamina Implementation of Concepts Towards Annual
Pertamina Quality Awards (APQA) 2025
Riwayat Pekerjaan dan • Strategic Mangement Group Head (2024-sekarang) • Strategic Mangement Group Head (2024-Present)
Rangkap Jabatan • Financial Accounting Group Head (2023-2024) • Financial Accounting Group Head (2023-2024)
Work History and • Accounting Group Head (2018-2022) • Accounting Group Head (2018-2022)
Concurrent Position • Budgeting & Evaluation Dept. Head (2018) • Budgeting & Evaluation Department Head (2018)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Resti Setia Utari
Name
Jabatan Internal Audit Group Head
Position
Untuk profil Ibu Resti Setia Utami dapat dilihat pada profil Internal Audit Group Head dalam Laporan Tahunan ini.
The profile of Ms. Resti Setia Utami can be found in the Internal Audit Group Head profile section of this Annual Report.
Nama Muhamad Baskoro
Name
Jabatan Legal & Compliance Group Head
Position
Untuk profil Bapak Muhamad Baskoro dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini.
The profile of Mr. Muhamad Baskoro can be found in the Investment Committee members' profile section of this Annual Report.
Pernyataan Independensi Komite Manajemen Risiko
Risk Management Committee Statement of Independence
Semua anggota Komite Manajemen Risiko dalam All members of the Risk Management Committee, in
menjalankan fungsinya patuh dan wajib memenuhi performing their functions, must comply with prevailing
ketentuan hukum serta regulasi yang berlaku terkait laws and regulations related to the establishment of the
dengan pembentukan Komite Manajemen Risiko Risk Management Committee for insurance companies.
perusahaan asuransi. Komite Manajemen Risiko memiliki The Risk Management Committee has guidelines for
pedoman dalam melaksanakan tugasnya yang dituangkan carrying out its duties, as outlined in the Terms of
dalam Term of Reference (ToR) Komite Manajemen Risiko Reference (ToR) of the Risk Management Committee of PT
PT Asuransi Tugu Pratama Indonesia Tbk yang berlaku. Asuransi Tugu Pratama Indonesia Tbk.
Program Peningkatan Kompetensi Komite Manajemen Risiko
Risk Management Committee’s Competency Enhancement Program
Komite Manajemen Risiko telah mengikuti program Members of the Risk Management Committee enhanced
peningkatan kompetensi sepanjang tahun 2024, their competencies throughout 2024 by participating in the
antara lain: following competency enhancement programs:
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Edi Yoga Prasetyo Direktur Kepatuhan & Informasi peningkatan kompetensi/pelatihan Bp. Edi Yoga Prasetyo dapat dilihat pada
Manajemen Risiko informasi peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Compliance & Risk
Management Director Information on Mr. Edi Yoga Prasetyo's competency development/training can be found in the
competency development/training section for Board of Directors members in this governance
chapter.
Emil Hakim Direktur Keuangan & Informasi peningkatan kompetensi/pelatihan Bp. Emil Hakim dapat dilihat pada informasi
Layanan Korporat peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Finance & Corporate
Services Director Information on Mr. Emil Hakim's competency development/training can be found in the
competency development/training section for Board of Directors members in this governance
chapter.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Jonathan David ERM & Legal Group Informasi pelatihan dan peningkatan kompetensi Bapak Jonathan David Nandana dapat
Nandana Head dilihat pada pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam Laporan
Tahunan ini.
Information on Mr. Jonathan David Nandana competency development/training can be found
in the competency development/training section for Investment Committee members in this
governance chapter.
Sudarlin Direktur Teknik Informasi peningkatan kompetensi/pelatihan Bp. Sudarlin dapat dilihat pada informasi
peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Technical Director Information on Mr. Sudarlin's competency development/training can be found in the
competency development/training section for Board of Directors members in this governance
chapter.
Ery Widiatmoko Direktur Pemasaran Informasi peningkatan kompetensi/pelatihan Bp. Ery Widiatmoko dapat dilihat pada informasi
Asuransi peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Insurance Marketing
Director Information on Mr. Ery Widiatmoko's competency development/training can be found in the
competency development/training section for Board of Directors members in this governance
chapter.
Edwar Plt. Investment & Jakarta, 7 Juni 2024 Sosialisasi Internal Memo Tugu Institute x MDM (Master
Treasury Management Jakarta, 7 June 2024 Workflow Data Management)
Group Head Internal Memo Workflow
Acting Investment & Socialization
Treasury Management Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X
Group Head Jakarta, 26 August 2024 Implementasi Strategy and Research, Development &
Service Blue Print untuk Transformation Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development &
Tilearn 063 - Towards a Digital Transformation Group
Service Insurance Company
Jakarta, 10 Juli 2024 Annual Membership 2024 - CFA Institute
Jakarta, 10 July 2024 CFA Institute
Jakarta, 23 Oktober 2024 Business Valuation Batch III PERTAMINA
Jakarta, 23 October 2024
Jakarta, 10 Desember 2024 Undang-Undang Perlindungan Tugu Institute X Legal &
Jakarta, 10 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Andy Prasetyo Strategic Online, 6 Juni 2024 Pemasaran Asuransi ITIKAD Academy
Wibowo Management Group Online, 6 June 2024 Pengangkutan Barang
Head Marketing of Cargo Insurance
Jakarta, 7 Maret 2024 Training For Facilitator: How to MarkPlus Institute
Jakarta, 7 March 2024 Enhance the Skill on Becoming
Excellent Trainer
Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute x Internal Audit
Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Continuous Improvement Tugu Institute x Research,
Jakarta, 26 August 2024 Program dan Implementasi Development &
Konsep Menuju Annual Transformation Group
Pertamina Quality
Awards (APQA) 2025
Jakarta 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X
Jakarta, 26 August 2024 Implementasi Strategy and Research, Development &
Service Blue Print untuk Transformation Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 17 Juli 2024 Corporate Strategy Pertamina
Jakarta, 17 July 2024
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development &
Tilearn 063 - Towards a Digital Transformation Group
Service Insurance Company
Online, 25 November 2024 Mini MBA Kuncie x SBM ITB
Online, 25 November 2024
Online, 25 Oktober 2024 Integritas dan Tata Kelola Sinergi Daya Prima
Online, 25 October 2024 Perusahaan
Jakarta, 16 Oktober 2024 Carbon Credit Insurance APARI & AAMAI (Indonesian
Jakarta, 16 October 2024 Insurance Professional
Associations)
Jakarta, 9 Desember 2024 Tishare 015 - Nasabah dan Tugu Institute x ERM, HSSE,
Jakarta, 9 December 2024 Transaksi Mencurigakan : APU PPT Group
Apa yang perlu diketahui dan
dilakukan?
Tishare 015 - Customers and
Suspicious Transactions:
What Needs to Be Known and
Done?
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Resti Setia Utari Internal Audit Group Bandung, 5 Februari 2024 ERMAP/ERMCP CRMS
Head Bandung, 5 February 2024
Banyuwangi, 4 Juli 2024 "Peningkatan Pemahaman FKSPI
Banyuwangi, 4 July 2024 Mengenai Pemahaman Global
Internal Audit Standards
2024”
Enhancing Understanding of
the 2024 Global Internal Audit
Standards
Jakarta, 7 Juni 2024 Sosialisasi Internal Memo Tugu Institute x MDM (Master
Jakarta, 7 June 2024 Workflow Data Management)
Internal Memo Workflow
Socialization
Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute x Internal Audit
Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X
Jakarta, 26 August 2024 Implementasi Strategy and Research, Development &
Service Blue Print untuk Transformation Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development &
Tilearn 063 - Towards a Digital Transformation Group
Service Insurance Company
Semarang, 12 September Navigating The Global Internal The Institute of Internal
2024 Audit Standards Auditors
Semarang, 12 September
2024
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
Muhamad Baskoro Legal & Compliance Informasi pelatihan dan peningkatan kompetensi Bapak Muhamad Baskoro dapat dilihat pada
Group Head pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam Laporan Tahunan ini.
Information on Mr. Muhamad Baskoro competency development/training can be found in
the competency development/training section for Investment Committee members in this
governance chapter.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tugas dan Tanggung Jawab Komite Manajemen Risiko
Duties and Responsibilities of Tugu Insurance’s Risk Management Committee
Tugu Insurance mengemban tugas dan tanggung jawab The Risk Management Committee of Tugu Insurance has
sebagai berikut: the following duties and responsibilities:
1. Melakukan evaluasi dan memberikan rekomendasi 1. Evaluate and provide recommendations to the
kepada Direktur Utama terkait Manajemen Risiko; President Director regarding Risk Management;
2. Penyusunan kebijakan, strategi, dan pedoman 2. Formulate policies, strategies, and guidelines
penerapan Manajemen Risiko serta perubahannya; for the implementation of Risk Management and
its amendments;
3. Penyusunan tingkat Risiko yang akan diambil (risk 3. Establish the level of risk appetite and risk tolerance,
appetite) dan toleransi risiko (risk tolerance), kerangka the Risk Management framework, and contingency
Manajemen Risiko serta rencana kontijensi untuk plans to anticipate unusual conditions;
mengantisipasi terjadinya kondisi tidak normal;
4. Perbaikan atau penyesuaian pelaksanaan Manajemen 4. Make improvements or adjustments to the
Risiko berdasarkan hasil evaluasi pelaksanaan implementation of Risk Management based on
Manajemen Risiko antara lain menyempurnakan proses evaluations of its execution, including refining the Risk
Manajemen Risiko secara berkala maupun bersifat Management process periodically or incidentally due
insidentil sebagai akibat dari suatu perubahan kondisi to changes in the Company’s external and internal
eksternal dan internal Perusahaan yang memengaruhi conditions, which may affect funding adequacy, the
kecukupan pendanaan, profil Risiko Perusahaan, Company’s Risk profile, and the effectiveness of Risk
dan tidak efektifnya penerapan Manajemen Risiko Management based on evaluation outcomes;
berdasarkan hasil evaluasi;
5. Penetapan hal-hal yang terkait dengan keputusan 5. Determine matters concerning business decisions that
bisnis yang menyimpang dari prosedur normal. deviate from normal procedures.
Komite Manajemen Risiko memiliki wewenang untuk: The Risk Management Committee has the authority to:
1. Mengambil keputusan berkaitan dengan pengelolaan 1. Make decisions related to managing the Company’s
Risiko Perusahaan berdasarkan Sistem Tata Kerja Risks based on the applicable Work System;
yang berlaku;
2. Memberikan rekomendasi kepada Direktur Utama atas 2. Provide recommendations to the President Director on
permasalahan yang membutuhkan Persetujuan Direksi matters requiring the approval of the Board of Directors
dan/atau Dewan Komisaris; dan and/or the Board of Commissioners; and
3. Mendapatkan masukan dan atau saran dari pihak luar 3. Obtain input and/or suggestions from external parties
Perusahaan yang berkaitan dengan tugasnya. related to their duties.
Kebijakan dan Pelaksanaan Rapat
Meeting Policy and Implementation Policy
Komite Manajemen Risiko wajib melakukan rapat berkala The Risk Management Committee must conduct regular
dengan ketentuan sebagai berikut: meetings with the following stipulations:
1. Komite wajib melakukan rapat Komite dilaksanakan 1. The Committee is required to hold Committee meetings
secara triwulan dalam 1 (satu) tahun; quarterly within 1 (one) year;
2. Rapat Komite dipimpin oleh Ketua Komite. Dalam hal 2. The meetings are led by the Committee Chairman.
Ketua Komite berhalangan hadir, maka Ketua Komite In the event the Committee Chairman is unable to
akan menunjuk Wakil Ketua Komite untuk bertugas attend, the Committee Chairman will appoint the
sebagai pimpinan rapat; Deputy Chairman of the Committee to act as the
meeting chairman;
3. Pembahasan dalam Komite Manajemen Risiko dapat 3. Discussions in the Risk Management Committee can
berupa rapat ataupun penandatanganan sirkuler; be held through a meeting or circular signing;
4. Tema pembahasan pada Rapat Komite Manajemen 4. The discussion theme at the Risk Management
Risiko merujuk pada cakupan pembahasan dalam Committee Meeting refers to the scope of discussion
Rapat Komite Manajemen Risiko; outlined in the meeting’s agenda;
5. Rapat dianggap sah dan berwenang mengambil 5. Meetings are considered valid and have the authority
keputusan yang mengikat apabila telah memenuhi to make binding decisions if the quorum of member
kuorum kehadiran anggota; attendance is met;
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
6. Rapat akan memenuhi kuorum apabila dihadiri oleh 6. Meetings will have a quorum if attended by 2/3 (two-
2/3 (dua per tiga) anggota Komite. Keputusan rapat thirds) of the Committee members. The meeting’s
akan sah apabila disetujui oleh 2/3 (dua per tiga) decision will be valid if approved by 2/3 (two-thirds) of
anggota Komite yang hadir; the members present at the meeting;
7. Keputusan dapat diambil dengan suara bulat dari 7. Decisions can be made by unanimous vote from the
Anggota tetap Komite yang hadir atau berdasarkan permanent members of the Committee present, or
suara mayoritas (>50%) dari Anggota tetap Komite based on a majority vote (>50%) from the permanent
yang hadir; members present;
8. Sekretaris Komite melakukan persiapan rapat, 8. The Committee Secretary prepares the meeting,
menentukan agenda rapat, dan mereview kesesuaian determines the meeting agenda, and reviews
materi yang akan disampaikan dalam rapat; the suitability of the material to be presented at
the meeting;
9. Dalam hal jumlah suara yang setuju sama dengan 9. In the event the number of votes in favor is equal to the
jumlah suara yang tidak setuju, maka keputusan rapat number of votes against, the decision of the meeting
diserahkan kepada pimpinan rapat; shall be referred to the Chairman of the Meeting;
10. Dalam pelaksanaan rapat Komite, selain dihadiri oleh 10. In the execution of Committee meetings, apart from
Anggota Komite, Sekretaris Komite dapat mengundang being attended by Committee Members, the Committee
pihak-pihak (invitee) yang dianggap terkait sesuai Secretary may invite parties (invitees) deemed relevant
dengan agenda yang dibahas; according to the agenda discussed;
11. Status tindak lanjut rapat sebelumnya disampaikan 11. The follow-up status from the previous meeting is
pada setiap awal Rapat Komite Manajemen Risiko; presented at the beginning of each Risk Management
Committee meeting;
12. Setiap perbedaan pendapat (dissenting opinion) dalam 12. Any dissenting opinion in the meeting must be clearly
rapat harus secara jelas dinyatakan dalam Risalah stated in the Minutes of the Meeting, along with
Rapat beserta alasannya; the reasons;
13. Risalah rapat dibuat oleh Sekretaris Komite dan wajib 13. The Minutes of the Meeting are drafted by the
ditandatangani oleh pimpinan rapat; Committee Secretary and must be signed by the
Chairman of the meeting;
14. Anggota Komite yang hadir maupun yang tidak hadir 14. Committee members, whether present or not, are
dalam rapat Komite berhak menerima salinan risalah entitled to receive a copy of the Minutes of the
rapat Komite. Committee meeting.
Selama tahun 2024, Komite Manajemen Risiko telah During 2024, the Risk Management Committee held four
menyelenggarakan 4 (empat) kali rapat dengan rincian (4) meetings with the following attendance details:
kehadiran sebagai berikut:
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Edi Yoga Prasetyo 4 4 100%
Emil Hakim 4 2 50%
Jonathan David Nandana 2 2 100%
Sudarlin 4 2 50%
Ery Widiatmoko 4 1 25%
Edwar 4 3 75%
Resti Setia Utari 4 2 50%
Muhammad Baskoro 2 2 100%
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laporan Pelaksanaan Tugas Komite Manajemen Risiko
Report on the Implementation of Risk Management Committee’s Duties
Berikut adalah laporan pelaksanaan tugas Komite
Manajamen Risiko di tahun 2024: The following is a report on the implementation of the Risk
1. Melakukan Rapat Komite Manajemen Risiko 4 (empat) Management Committee’s duties in 2024:
kali dalam setahun. 1. Conducted 4 (four) Risk Management Committee
2. Memberikan rekomendasi tindak lanjut pada Rapat meetings throughout the year.
Komite Manajemen Risiko. 2. Provided follow-up recommendations in Risk
3. Bersama Unit Kerja Manajemen Risiko melakukan Management Committee meetings.
kajian pemantauan terhadap risiko yang di hadapai 3. Collaborated with the Risk Management Unit to
dalam aktivitas-aktivitas operasional perusahaan. conduct risk monitoring assessments related to the
company’s operational activities.
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5.C
Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
Tugu Insurance telah membentuk Komite Pengarah Tugu Insurance has set up an Information Technology
Teknologi Informasi (“Komite”) dengan tujuan mendukung Steering Committee (“Committee”) to assist the Board
Direksi dalam menjalankan tugas dan tanggung of Directors in fulfilling their duties and responsibilities.
jawabnya. Komite ini bertugas memantau penerapan The Committee focuses on monitoring Risk Management
Manajemen Risiko, mengantisipasi potensi risiko yang implementation, anticipating potential risks in line with
dapat muncul seiring pertumbuhan bisnis perusahaan, the company’s business growth, tracking the development
memantau perkembangan eksposur risiko, serta meninjau of risk exposure, and reviewing as well as updating
pelaksanaan dan pembaruan kebijakan, proses, dan the policies, processes, and procedures for ongoing
prosedur Manajemen Risiko secara berkelanjutan. Risk Management.
Susunan Keanggotaan, Dasar Pengangkatan, dan Masa Jabatan
Membership Composition, Basis of Appointment, and Term of Office
Ketentuan mengenai pengangkatan dan masa Provisions for the appointment and term of office of the
jabatan Komite Pengarah Teknologi Informasi adalah Information Technology Steering Committee are as follows:
sebagai berikut:
1. Anggota Komite diangkat dan diberhentikan oleh 1. Committee members are appointed and dismissed by
Direksi, berdasarkan rekomendasi dari Komite. Komite the Board of Directors, based on recommendations
bersifat independen dan bertanggung jawab langsung from the Committee. The Committee operates
kepada Direksi; independently and reports directly to the Board
of Directors;
2. Masa kerja anggota Komite adalah 3 (tiga) tahun dan 2. The term of office for Committee members is 3 (three)
dapat diangkat kembali dengan tidak mengurangi hak years and may be reappointed without prejudice to the
Direksi untuk mengubah susunan Komite sewaktu- Board of Directors’ authority to modify the Committee’s
waktu; composition at any time;
3. Komite terdiri atas Ketua Komite merangkap sebagai 3. The Committee consists of the Chairman, who
Anggota Komite; concurrently serves as a Committee Member;
4. Komite terdiri atas Wakil Ketua Komite merangkap 4. The Committee consists of the Deputy Chairman, who
sebagai Anggota Komite; concurrently serves as a Committee Member;
5. Komite terdiri atas Sekretaris merangkap sebagai 5. The Committee consists of a Secretary, who
Anggota Komite; concurrently serves as a Committee Member;
6. Anggota Komite terdiri dari Anggota Tetap dengan hak 6. Committee members include Permanent Members with
suara dan Anggota tanpa hak suara; voting rights and Non-Permanent Members without
voting rights;
7. Setiap anggota wajib memenuhi ketentuan hukum 7. Each member must adhere to applicable laws and
serta regulasi yang berlaku, dengan komposisi anggota regulations. The composition of members is as follows:
sebagai berikut:
a. Ketua Komite/Anggota Tetap: Direktur Keuangan a. Committee Chairman/Permanent Member: Finance
dan Layanan Korporat; and Corporate Services Director
b. Wakil Ketua/Anggota Tetap: Direktur Kepatuhan & b. Deputy Chairman/Permanent Member: Compliance
Manajemen Risiko; & Risk Management Director
c. Sekretaris/Anggota Tetap: Information Technology c. Secretary/Permanent Member: Information
Group Head; Technology Group Head
d. Anggota Tetap: d. Permanent Members:
i. Direktur Pemasaran Asuransi; i. Insurance Marketing Director
ii. Direktur Teknik; ii. Technical Director
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
iii. Research & Development Group Head; iii. Compliance Group Head
iv. ERM & Business Process Group Head; iv. ERM & Legal Group Head
v. Financial Accounting Group Head; v. Financial Planning & Evaluation Group Head
vi. Business Development Group Head. vi. Corporate Strategy & Transformation Group
Head
e. Anggota Tidak Tetap: e. Non-Permanent Members:
i. Broker Business Group Head; i. Broker Business Group Head;
ii. Strategic Business I Group Head; ii. Strategic Business I Group Head;
iii. ERP Dept. Head; iii. ERP Dept. Head;
iv. Application Development Dept. Head; iv. Application Development Dept. Head;
v. Master Data Management Dept. Head; v. Master Data Management Dept. Head;
vi. Shared Service Dept. Head; vi. Shared Service Dept. Head;
vii. Infrastructure & Facilities Dept. Head; vii. Infrastructure & Facilities Dept. Head;
viii. IT Research & Development Officer viii. IT Research & Development Officer
ix. Pejabat tertinggi pada fungsi yang terkait ix. Pejabat tertinggi pada fungsi yang terkait
dengan topik yang dibahas dan/atau dengan topik yang dibahas dan/atau
direkomendasikan dalam Komite Pengarah direkomendasikan dalam Komite Pengarah
Teknologi Informasi, kecuali pengusul untuk Teknologi Informasi, kecuali pengusul untuk
transaksi atau hal-hal yang menyimpang dari transaksi atau hal-hal yang menyimpang dari
prosedur normal. prosedur normal.
Komite Pengarah Teknologi Informasi dibentuk The IT Steering Committee was established based on
berdasarkan Surat Keputusan Direksi No. 19/SKD/05/ Board of Directors Decree No. 19/SKD/05/LEC-ATPI/
LEC-ATPI/XI/2023 tanggal 6 November 2023 tentang XI/2023 dated 6 November 2023, regarding the Formation
Pembentukan Komite Pengarah Teknologi Informasi PT of the IT Steering Committee of PT Asuransi Tugu
Asuransi Tugu Pratama Indonesia Tbk. serta Memo Usulan Pratama Indonesia Tbk., as well as the Proposal Memo
Perubahan Term of Reference Komite Pengarah Teknologi for Amendment of the IT Steering Committee Terms of
Informasi No. 049/M/04/ITF-ATPI/V/2024 tanggal 20 Mei Reference No. 049/M/04/ITF-ATPI/V/2024 dated May 20,
2024. Adapun komposisi keanggotaan Komite Pengarah 2024.
Teknologi Informasi per 31 Desember 2024 adalah
sebagai berikut:
Posisi Nama Jabatan
Masa Jabatan
Position Name Position
Ketua Komite Emil Hakim Direktur Keuangan & Layanan 3 (tiga) tahun dan dapat diangkat
Committee Chair Korporat kembali dengan tidak mengurangi
Finance & Corporate Services hak Direksi untuk mengubah
Director susunan Komite Pengarah TI
Wakil Ketua Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen sewaktu-waktu
Vice Chair Risiko Three (3) years and may be
Compliance & Risk Management reappointed without limiting the
Director Board of Directors' right to change
the composition of the IT Steering
Sekretaris Arga Fajar Syah Plt. Information Technology Group Committee at any time.
Secretary Head
Acting Information Technology
Group Head
Anggota Tetap Ery Widiatmoko Direktur Pemasaran Asuransi
Permanent Member Insurance Marketing Director
Sudarlin Direktur Teknik
Technical Director
M. Haikal Sedayo Plt. Research, Development &
Transformation Group Head
Acting Research, Development &
Transformation Group Head
Jonathan David Nandana ERM & Business Process Group
Head
Aldy Rifianto Plt. Financial Accounting Group
Head
Acting Financial Accounting Group
Head
Carolina Ledy Babbyana Business Development Group
Head
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Posisi Nama Jabatan
Masa Jabatan
Position Name Position
Anggota Tidak Tetap Alma Fatrizal Broker Business Group Head Pejabat tertinggi pada fungsi yang
Non Permanent Member Agung Hirawan Strategic Business I Group Head terkait dengan topik yang dibahas
dan/atau direkomendasikan
Indra Irnawan Pjs. ERP Dept. Head dalam Komite Pengarah Teknologi
Temporary ERP Dept. Head Informasi, kecuali pengusul
Gilang Gita Purchila Master Data Management Dept. untuk transaksi atau hal-hal yang
Head menyimpang dari prosedur normal.
Master Data Management
Department Head The highest-ranking official in
Rudy Firmansyah Infrastructure & Facilities Dept. the function related to the topics
Head discussed and/or recommended in
the IT Steering Committee, except
Meiliana Atmadja IT Research & Development Officer
for proposers of transactions or
matters that deviate from normal
procedures.
Profil Komite Pengarah Tekonologi Informasi Per 31 Desember 2024
Profile of IT Steering Committee as of 31 December 2024
Untuk Profil Direktur Keuangan & Layanan Korporat, For the profiles of the Finance & Corporate Services
Direktur Kepatuhan dan Manajemen Risiko, Direktur Director, Compliance & Risk Management Director,
Pemasaran Asuransi dan Direktur Teknik dapat dilihat pada Insurance Marketing Director and Technical Director can be
profil Direksi. seen on Profile of the Board of Directors.
Nama Arga Fajar Syah
Name
Jabatan Plt. Information Technology Group Head
Position Acting Information Technology Group Head
Kewarganegaraan Indonesia
Citizenship
Usia 40 tahun
Age 40 years old
Domisili Jakarta Selatan, DKI Jakarta
Domicile
Pendidikan dan S1 - Teknik Informatika
Pelatihan Bachelor’s Degree - Informatics Engineering
Education and Training
Riwayat Pekerjaan dan ERP Project Manager
Rangkap Jabatan Business Process & SOP Department Head
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama M. Haikal Sedayo
Name
Jabatan Plt. Research, Development & Transformation Group Head
Position Acting Research, Development & Transformation Group Head
Kewarganegaraan Indonesia
Citizenship
Usia 40 tahun
Age 40 years old
Domisili Bandung, Jawa Barat
Domicile Bandung, West Java
Pendidikan dan S2 – Research & Earthquake and Active Tectonic
Pelatihan Master’s Degree – Research & Earthquake and Active Tectonics
Education and Training
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Riwayat Pekerjaan dan Data Science Dept. Head
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Jonathan David Nandana
Name
Jabatan ERM & Business Process Group Head
Position
Untuk profil Bapak Jonathan David Nandana dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini.
The profile of Mr. Jonathan David Nandana can be found in the Investment Committee members' profile section of this Annual Report.
Nama Aldy Rifianto
Name
Jabatan Plt. Financial Accounting Group Head
Position Acting Financial Accounting Group Head
Untuk profil Bapak Aldy Rifianto dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini.
The profile of Mr. Aldy Rifianto can be found in the Investment Committee members' profile section of this Annual Report.
Nama Carolina Ledy Babbyana
Name
Jabatan Business Development Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 42 tahun
Age 42 years old
Domisili Jakarta Barat, DKI
Domicile
Pendidikan dan S1- Ilmu Komunikasi
Pelatihan Bachelor’s Degree - Communication Science
Education and Training
Riwayat Pekerjaan dan Broker Business Group Head
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Alma Fatrizal
Name
Jabatan Broker Business Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 47 tahun
Age 47 years old
Domisili Bogor
Domicile
Pendidikan dan S1-Asuransi
Pelatihan Bachelor’s Degree - Insurance
Education and Training
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Riwayat Pekerjaan dan Sales & Distribution Group Head
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/Pengendali.
Affiliation Relations Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Agung Hirawan
Name
Jabatan Strategic Business I Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 59 tahun
Age 59 years old
Domisili Jakarta
Domicile
Pendidikan dan S2 – Manajemen
Pelatihan Master’s Degree - Management
Education and Training
Riwayat Pekerjaan dan Downstream Group Head
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Indra Irnawan
Name
Jabatan Application Development Dept. Head & Plt. ERP Dept. Head
Position Application Development Department Head & Acting ERP Department Head
Kewarganegaraan Indonesia
Citizenship
Usia 37 tahun
Age 37 years old
Domisili Jakarta Barat, DKI
Domicile
Pendidikan dan S1 – Akuntansi
Pelatihan Bachelor’s Degree - Accounting
Education and Training
Riwayat Pekerjaan dan Cash & Bank Officer
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Gilang Gita Purchila
Name
Jabatan Master Data Management Dept. Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 43 tahun
Age 43 years old
Domisili Kota Tangerang, Banten
Domicile
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pendidikan dan S1 – Manajemen
Pelatihan Bachelor’s Degree - Management
Education and Training
Riwayat Pekerjaan dan OCM, SS, & Master Data Stream Lead
Rangkap Jabatan Learning & Development Department Head
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Rudy Firmansyah
Name
Jabatan Infrastructure & Facilities Dept. Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 57 tahun
Age 57 years old
Domisili Bekasi, Jawa Barat
Domicile Bekasi, West Java
Pendidikan dan S1 – Manajemen
Pelatihan Bachelor’s Degree - Management
Education and Training
Riwayat Pekerjaan dan Master Data Management Department Head
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Meiliana Atmadja
Name
Jabatan IT Research & Development Officer
Position
Kewarganegaraan Indonesia
Citizenship
Usia 49 tahun
Age 49 years old
Domisili Jakarta
Domicile
Pendidikan dan S1 – Manajemen Informatika
Pelatihan Bachelor’s Degree - Informatics Management
Education and Training
Riwayat Pekerjaan dan IT System Development Department Head (Maipark)
Rangkap Jabatan
Work History and
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Program Peningkatan Kompetensi Komite Pengarah Teknologi Informasi
IT Steering Committee’s Competency Enhancement Program
Komite Pengarah Teknologi Informasi telah mengikuti Members of the IT Steering Committee enhanced their
program peningkatan kompetensi sepanjang tahun 2024, competencies throughout 2024 by participating in the
di antaranya: following programs:
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Emil Hakim Direktur Keuangan & Informasi peningkatan kompetensi/pelatihan Bp. Emil Hakim dapat dilihat pada informasi
Layanan Korporat peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Finance & Corporate
Services Director Information on Mr. Emil Hakim's competency development/training can be found in
the competency development/training section for Board of Directors members in this
governance chapter.
Edi Yoga Prasetyo Direktur Kepatuhan & Informasi peningkatan kompetensi/pelatihan Bp. Edi Yoga Prasetyo dapat dilihat pada
Manajemen Risiko informasi peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Compliance & Risk
Management Director Information on Mr. Edi Yoga Prasetyo's competency development/training can be found
in the competency development/training section for Board of Directors members in this
governance chapter.
Arga Fajar Syah Plt. Information 20 Mei 2024 Jakarta Qualified Chief Risk Widya Dharma Artha
Technology Group Head 20 May 2024 Officer (QCRO)
Acting Information
Technology Group Head 16 Juli 2024 Jakarta Anti Fraud & Whistle Tugu Institute
16 July 2024 Blowing System
23 Juli 2024 Jakarta Seminar Planning Tugu Institute
23 July 2024 Cycle
Planning Cycle
Seminar
12 September Jakarta Training For Trainers Tugu Institute
2024 : How to Achieve
Service Excellence
Through Service
Values (TREND)
28 Agustus 2024 Jakarta TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
Transformation Group
TILEARN 063 -
Towards a Digital
Service Insurance
Company
19-20 November Jakarta Artificial Intelligence MyEduSolve
2024 (Certified)
4-5 Desember Jakarta Cyber Security MyEduSolve
2024 (Certified)
4-5 December
2024
Sudarlin Direktur Teknik Informasi peningkatan kompetensi/pelatihan Bp. Sudarlin dapat dilihat pada informasi
peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Technical Director Information on Mr. Sudarlin's competency development/training can be found in the
competency development/training section for Board of Directors members in this
governance chapter.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
M. Haikal Sedayo Plt. Research, 29 Januari 2024 Jakarta Training Tableau PREP CYBERTREND
Development & 29 January 2024
Transformation Group 28 Februari 2024 Jakarta Enhacing Back Markplus Institute
Head 28 February 2024 Office Performance
Acting Research, to Provide Service
Development & Excellence Batch 3
Transformation Group
Head 27 Juni 2024 Jakarta TILEARN 061 - Tugu Institute
27 June 2024 Financial Wellbeing
Series Bijak
Mengelola Keuangan
Dan Pentingnya
Investasi
TILEARN 061 -
Financial Wellbeing
Series: Smart
Financial Management
and the Importance of
Investment
16 Juli 2024 Jakarta Sosialisasi Anti Fraud Tugu Institute X
16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
26 Agustus 2024 Jakarta Continuous Tugu Institute
26 August 2024 Improvement X Research,
Program Dan Development &
Implementasi Konsep Transformation Group
Menuju Annual
Pertamina Quality
Awards (APQA) 2025
Continuous
Improvement Program
and Implementation
of Concepts Towards
Annual Pertamina
Quality Awards (APQA)
2025
26 Agustus 2024 Jakarta Sosialisasi Tugu Institute
26 August 2024 dan Pelatihan X Research,
Implementasi Strategy Development &
And Service Blue Print Transformation Group
Untuk Manajemen
Socialization and
Training on Strategy
and Service Blueprint
Implementation for
Management
28 Agustus 2024 Jakarta TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
Transformation Group
TILEARN 063 -
Towards a Digital
Service Insurance
Company
348 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
17 September Jakarta QCRO Widya Dharma Artha
2024
17 September
2024
9 Desember 2024 Jakarta "Leading Change Tugu Institute X Coach
9 December 2024
10 Desember Jakarta Innovation In Vuca Tugu Institute X Legal
2024 World" & Compliance Group
10 December
2024
Jonathan David Nandana ERM & Business Informasi pelatihan dan peningkatan kompetensi Bapak Jonathan David Nandana dapat
Process Group Head dilihat pada pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam
Laporan Tahunan ini.
Information on Mr. Jonathan David Nandana competency development/training can
be found in the competency development/training section for Investment Committee
members in this governance chapter.
Aldy Rifianto Plt. Financial Accounting Informasi pelatihan dan peningkatan kompetensi Bapak Aldy Rifianto dapat dilihat
Group Head pada pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam Laporan
Acting Financial Tahunan ini.
Accounting Group Head Information on Mr. Aldy Rifianto competency development/training can be found in the
competency development/training section for Investment Committee members in this
governance chapter.
Carolina Ledy Babbyana Business Development 29 Januari 2024 Jakarta TILEARN 057: Aviation Tugu Institute X
Group Head 29 January 2024 Strategic Business III
27 Juni 2024 Jakarta TILEARN 061 - Tugu Institute
27 June 2024 Financial Wellbeing
Series Bijak
Mengelola Keuangan
dan Pentingnya
Investasi
TILEARN 061 -
Financial Wellbeing
Series: Smart
Financial Management
and the Importance of
Investment
7 Juni 2024 Jakarta Sosialisasi Internal Tugu Institute X Mdm
7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
16 Juli 2024 Online Sosialisasi Anti Fraud Tugu Institute X
16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
26 Agustus 2024 Jakarta Sosialisasi Tugu Institute
26 August 2024 dan Pelatihan X Research,
Implementasi Strategy Development &
And Service Blue Print Transformation Group
Untuk Manajemen
Socialization and
Training on Strategy
and Service Blueprint
Implementation for
Management
22 Agustus 2024 Online Leadership for GRC SUMMIT
22 August 2024 Sustainable Impact :
GRC,ESG, AND SDGS
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 349
Page 352
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
28 Agustus 2024 Jakarta TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
TILEARN 063 - Transformation Group
Towards a Digital
Service Insurance
Company
19 Desember Jakarta Recharge Your Tugu Institute X Sales
2024 Energy - Empowering & Distribution Group
19 December Performance and
2024 Productivity
11 Desember Jakarta Asuransi Kredit & Ahli Asuransi Learning
2024 Penjaminan Kredit Center
11 December Credit Insurance &
2024 Credit Guarantee
10 Desember Jakarta Undang-Undang Tugu Institute X Legal
2024 Pelindungan Data & Compliance Group
10 December Pribadi
2024 Personal Data
Protection Law
29 Januari 2024 Jakarta Product knowledge Tugu Institute
29 January 2024 Aviation Training
23 Juli 2024 Jakarta Seminar PraPlanning Tugu Institute
23 July 2024 Cycle
Pre-Planning Cycle
Seminar
Alma Fatrizal Broker Business Group 16 Juli 2024 Online Sosialisasi Anti Fraud Tugu Institute X
Head 16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
26 Agustus 2024 Jakarta Sosialisasi Tugu Institute
26 August 2024 dan Pelatihan X Research,
Implementasi Strategy Development &
And Service Blue Print Transformation Group
Untuk Manajemen
Socialization and
Training on Strategy
and Service Blueprint
Implementation for
Management
29 November Online Risk Control & Self Widya Dharma Artha
2024 Assessment In
Insurance Company
23 Juli 2024 Jakarta Seminar PraPlanning Tugu Institute
23 July 2024 Cycle
Pre-Planning Cycle
Seminar
350 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Agung Hirawan Strategic Business I 7 Juni 2024 Jakarta Sosialisasi Internal Tugu Institute X MDM
Group Head 7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
26 Agustus 2024 Jakarta Sosialisasi Tugu Institute
26 August 2024 dan Pelatihan X Research,
Implementasi Strategy Development &
And Service Blue Print Transformation Group
Untuk Manajemen
Socialization and
Training on Strategy
and Service Blueprint
Implementation for
Management
10 Desember Jakarta Undang-Undang Tugu Institute X Legal
2024 Pelindungan Data & Compliance Group
10 December Pribadi
2024 Personal Data
Protection Law
23 Juli 2024 Jakarta Seminar PraPlanning Tugu Institute
23 July 2024 Cycle
Pre-Planning Cycle
Seminar
Indra Irnawan Pjs. ERP Dept. Head 15 Februari 2024 Jakarta Enhacing Back Markplus Institute
Temporary ERP Dept. 15 February 2024 Office Performance
Head To Provide Service
Excellence Batch 2
7 Juni 2024 Jakarta Sosialisasi Internal Tugu Institute X MDM
7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
12 September Jakarta Training For Trainers Tugu Institute
2024 : How To Achieve X Research,
12 September Service Excellence Development &
2024 Through Service Transformation Group
Values (TREND)
28 Agustus 2024 Jakarta TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
TILEARN 063 - Transformation Group
Towards a Digital
Service Insurance
Company
12 September Jakarta Training For Trainer Frontier
2024 : How To Achieve
Service Excellence
Through Service
Values (TREND)
9 Desember 2024 Online QRMP Widya Dharma Artha
9 December 2024
4-5 Desember Jakarta Training Cisco: Cyber MyEduSolve
2024 Security
4-5 December
2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 351
Page 354
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Gilang Gita Purchila Master Data 5 Maret 2024 Enhacing Back Markplus Institute
Management Dept. Head 5 March 2024 Office Performance
To Provide Service
Excellence Batch 6
7 Juni 2024 Sosialisasi Internal Tugu Institute X MDM
7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
16 Juli 2024 Sosialisasi Anti Fraud Tugu Institute X
16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
12 September Training For Trainers Tugu Institute
2024 : How To Achieve X Research,
Service Excellence Development &
Through Service Transformation Group
Values (TREND)
28 Agustus 2024 TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
TILEARN 063 - Transformation Group
Towards a Digital
Service Insurance
Company
12 September Markplus Institute
2024
19-20 November Jakarta Artificial Intelligence MyEduSolve
2024 (Certified)
4-5 Desember Jakarta Cyber Security MyEduSolve
2024 (Certified)
4-5 December
2024
5 Maret 2024 Enhacing Back Markplus Institute
5 March 2024 Office Performance
To Provide Service
Excellence Batch 6
7 Juni 2024 Sosialisasi Internal Tugu Institute X MDM
7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
352 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
16 Juli 2024 Sosialisasi Anti Fraud Tugu Institute X
16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
12 September Training For Trainers Tugu Institute
2024 : How To Achieve X Research,
Service Excellence Development &
Through Service Transformation Group
Values (TREND)
28 Agustus 2024 TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
TILEARN 063 - Transformation Group
Towards a Digital
Service Insurance
Company
12 September Markplus Institute
2024
19-20 November Jakarta Artificial Intelligence MyEduSolve
2024 (Certified)
4-5 Desember Jakarta Cyber Security MyEduSolve
2024 (Certified)
4-5 December
2024
Rudy Firmansyah Infrastructure & facilities 28 Februari 2024 Jakarta Enhacing Back Markplus Institute
Dept. Head 28 February 2024 Office Performance
To Provide Service
Excellence Batch 3
27 Juni 2024 Jakarta TILEARN 061 - Tugu Institute
27 June 2024 Financial Wellbeing
Series Bijak
Mengelola Keuangan
Dan Pentingnya
Investasi
TILEARN 061 -
Financial Wellbeing
Series: Smart
Financial Management
and the Importance of
Investment
7 Juni 2024 Jakarta Sosialisasi Internal Tugu Institute X MDM
7 June 2024 Memo Workflow
Internal Memo
Workflow Socialization
16 Juli 2024 Online Sosialisasi Anti Fraud Tugu Institute X
16 July 2024 & Whistleblowing Internal Audit Group
System
Anti-Fraud &
Whistleblowing
System Socialization
28 Agustus 2024 Jakarta TILEARN 063 - Menuju Tugu Institute
28 August 2024 Digital Service X Research,
Insurance Company Development &
TILEARN 063 - Transformation Group
Towards a Digital
Service Insurance
Company
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 353
Page 356
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
1 Oktober 2024 Jakarta Menuju Pelayanan Frontier
1 October 2024 Back Office Yang
“Trust”, “Easy”, &
“Friendly” - Batch 2
Towards a "Trust,"
"Easy," & "Friendly"
Back Office Service -
Batch 2
4-5 Desember Jakarta Cyber Security MyEduSolve
2024 (Certified)
4-5 December
2024
Meiliana Atmadja IT Research & 29 Januari 2024 Jakarta Training Tableau Prep Cybertrend
Development Officer 29 January 2024
28 Februari 2024 Jakarta Enhacing Back Markplus Institute
28 February 2024 Office Performance
To Provide Service
Excellence Batch 3
9 Desember 2024 Jakarta Tishare 015 - Nasabah Tugu Institute X ERM,
9 December 2024 dan Transaksi HSSE, APU PPT Group
Mencurigakan : Apa
Yang Perlu Diketahui
dan Dilakukan?
TISHARE 015
- Customers
and Suspicious
Transactions: What
Needs to Be Known
and Done?
26 September Jakarta Menuju Pelayanan Frontier
2024 Back Office Yang
“Trust”, “Easy”, &
“Friendly” - Batch 1
Towards a "Trust,"
"Easy," & "Friendly"
Back Office Service -
Batch 1
Tugas dan Tanggung Jawab
Duties and Responsibilities
Komite Pengarah TI Tugu Insurance memiliki tugas dan Tugu Insurance’s IT Steering Committee has the following
tanggung jawab sebagai berikut: duties and responsibilities:
1. Menetapkan rencana pengembangan teknologi 1. Determining information technology development
informasi dan kebijakan Perusahaan terkait plans and the Company’s policies related to the use of
penggunaan teknologi informasi; information technology;
2. Merumuskan kebijakan dan prosedur utama 2. Formulating key information technology policies and
teknologi informasi, seperti kebijakan pengamanan procedures, such as information technology security
teknologi informasi dan manajemen risiko policies and risk management related to the use of
terkait penggunaannya; information technology;
3. Memastikan kesesuaian proyek teknologi informasi 3. Ensuring the conformity of approved information
yang disetujui dengan rencana pengembangan technology projects with information technology
teknologi informasi; development plans;
4. Memastikan pelaksanaan proyek teknologi informasi 4. Ensuring the conformity of the implementation of
sesuai dengan rencana proyek yang telah disepakati information technology projects with the agreed project
(project charter); plans (project charters);
5. Menjamin penyelenggaraan teknologi informasi sesuai 5. Ensuring the implementation of information technology
dengan kebutuhan sistem informasi manajemen dan aligns with the needs of management information
kegiatan usaha Perusahaan; systems and the Company’s business activities;
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
6. Menilai efektivitas mitigasi risiko atas investasi 6. Evaluating the effectiveness of risk mitigation for the
Perusahaan di sektor teknologi informasi agar Company’s investment in the information technology
investasi tersebut berkontribusi terhadap pencapaian sector to ensure the investment contributes to
tujuan Perusahaan; achieving the Company’s goals;
7. Memantau kinerja teknologi informasi dan 7. Monitoring information technology performance and
mengupayakan peningkatan kinerja teknologi informasi; efforts to improve information technology performance;
8. Mengatasi berbagai masalah terkait teknologi 8. Resolving various problems related to information
informasi yang tidak dapat diselesaikan oleh satuan technology that cannot be solved by the users and
kerja pengguna dan penyelenggara secara efektif, administrators’ work units in an effective, efficient, and
efisien, dan tepat waktu; dan timely manner; and
9. Menjamin kecukupan dan alokasi sumber daya 9. Ensuring the adequacy and allocation of information
teknologi informasi yang dimiliki oleh Perusahaan. technology resources owned by the Company.
Komite Pengarah TI memiliki pedoman kerja yang The IT Steering Committee operates under guidelines
dituangkan dalam Term of Reference (ToR) Komite outlined in the Terms of Reference (ToR) for the IT Steering
Pengarah TI PT Asuransi Tugu Pratama Indonesia Tbk. Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Kebijakan dan Pelaksanaan Rapat
Meeting Policy and Implementation Policy
Komite Pengarah TI wajib melakukan rapat berkala dengan The IT Steering Committee must conduct regular meetings
ketentuan sebagai berikut: with the following stipulations:
1. Rapat Komite diselenggarakan minimal adalah 2 (dua) 1. The Committee meetings are held at least 4 (four)
kali dalam 1 (satu) tahun atau dapat diselenggarakan times a year or can be held at any time as needed;
setiap saat sesuai dengan kebutuhan;
2. Rapat dipimpin oleh Ketua Komite. Apabila Ketua 2. The meeting is chaired by the Committee Chairman.
Komite tidak dapat hadir, rapat akan dipimpin oleh If the Committee Chairman is unable to attend, the
Wakil Ketua atau Ketua Pengganti; meeting will be chaired by the Deputy Chairman or
alternate chair;
3. Sekretaris Komite melakukan persiapan rapat, 3. The Committee Secretary prepares for the meetings,
membuat undangan, menentukan agenda rapat, dan sends invitations, determines the meeting agenda, and
mereview kesesuaian materi yang akan disampaikan reviews the suitability of the materials to be presented
dalam rapat; at the meeting;
4. Hak suara hanya dimiliki oleh anggota Komite yang 4. Voting rights are only held by Committee members who
menjabat sebagai Direktur; serve as Directors;
5. Dalam pelaksanaan rapat Komite Pengarah teknologi 5. In the implementation of IT Steering Committee
informasi, selain dihadiri oleh Anggota Komite, meetings, apart from being attended by Committee
Sekretaris Komite dapat mengundang pihak-pihak Members, the Committee Secretary may invite
(invitee) yang dianggap terkait sesuai dengan agenda relevant parties (invitees) based on the agenda
yang dibahas; being discussed;
6. Rapat Komite Pengarah Teknologi Informasi adalah 6. An Information Technology Steering Committee meeting
sah dan berhak mengambil keputusan yang mengikat is considered valid and has the right to make binding
atau dianggap memenuhi kuorum apabila sekurang- decisions or is deemed to meet quorum if attended by
kurangnya dihadiri oleh 51% (lima puluh satu at least 51% (fifty-one percent) of the total members
perseratus) dari jumlah anggota yang memiliki hak with voting rights, including two Directors in charge of
suara, dimana dua diantaranya adalah Direktur yang Information Technology and the Director in charge of
membawahi Teknologi Informasi dan Direktur yang the Risk Management function;
membawahi fungsi manajemen risiko;
7. Keputusan rapat Komite diambil berdasarkan 7. Decisions of the Committee meetings are based on
musyawarah mufakat; consensus deliberation;
8. Dalam hal tidak terjadi musyawarah mufakat sesuai 8. If consensus deliberation does not occur, decisions are
dengan poin 4.7 diatas, pengambilan keputusan taken by voting, with more than ½ (one-half) of the total
diambil melalui voting berdasarkan dengan hak suara votes in favor;
setuju lebih dari ½ (satu per dua) dari total suara
dalam rapat;
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
9. Hasil rapat Komite wajib dituangkan dalam risalah 9. The results of the Committee meeting must be
rapat Komite Pengarah Teknologi Informasi dan documented in the minutes of the Information
disampaikan kepada seluruh Direksi serta anggota Technology Steering Committee meeting and
rapat Komite; submitted to all Directors and members of the
Committee meeting;
10. Setiap perbedaan pendapat (dissenting opinion) dalam 10. Any dissenting opinions at the meeting must be clearly
rapat harus secara jelas dinyatakan dalam Risalah stated in the Minutes of the Meeting along with the
Rapat beserta alasannya; dan reasons; and
11. Anggota Komite yang hadir maupun yang tidak hadir 11. Committee members who are present and absent
dalam rapat Komite Pengarah Teknologi Informasi from the Information Technology Steering Committee
berhak menerima salinan risalah rapat Komite. meeting are entitled to receive a copy of the minutes of
the Committee meeting.
Selama tahun 2024, Komite Pengarah Teknologi Informasi In 2024, the IT Steering Committee held 1 meeting, with
telah menyelenggarakan 1 kali rapat dengan rincian the following attendance details for its members:
kehadiran sebagai berikut:
Tidak Hadir
dengan Surat
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam %
Kuasa
Name Total Meetings Total Attendance Attendance in %
Absence with Power
of Attorney
Emil Hakim 1 1 100%
Edi Yoga Prasetyo 1 1 100%
Ery Widiatmoko 1 1 100%
Sudarlin 1 1 100%
Arga Fajar Syah 1 1 100%
M. Haikal Sedayo 1 1 100%
Jonathan David Nandana 1 1 100%
Aldy Rifianto 1 1 100%
Carolina Ledy Babbyana 1 1 100%
Alma Fatrizal 1 1 100%
Agung Hirawan 1 1 100%
Indra Irnawan 1 1 100%
Gilang Gita Purchila 1 1 100%
Rudy Firmansyah 1 1 100%
Meiliana Atmadja 1 1 100%
Laporan Pelaksanaan Tugas Komite Pengarah Teknologi Informasi
Report on the Implementation of Information Technology Steering Committee’s Duties
Komite membuat laporan berkala paling sedikit 1 The Committee submits a periodic report at least
(satu) kali dalam setahun mengenai pelaksanaan tugas once a year regarding the implementation of its duties
serta rekomendasi Komite. Laporan komite dibuat oleh and recommendations. The report is prepared by
Sekretaris Komite dan wajib ditandatangani oleh Ketua the Committee Secretary and must be signed by the
Komite. Per 31 Desember 2024, pelaksanaan kinerja Committee Chairman. As of 31 December 2024, the
Komite Pengarah Teknologi Informasi antara lain, selama performance of the Information Technology Steering
tahun 2024 telah menjalankan tugas dan tanggung Committee among others, in 2024, has carried out
jawab sesuai fungsinya dan juga telah menyelenggarakan duties and responsibilities in accordance with its
meeting koordinasi Komite Pengarah Teknologi Informasi functions and has also conducted coordination meetings
yang dituangkan dalam Risalah Rapat (Minutes of Meeting) of the Information Technology Steering Committee, as
KPTI 2024. documented in the 2024 ITSC Meeting Minutes.
356 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5.D
Komite Pengembangan Produk Asuransi
Insurance Product Development Committee
Tugu Insurance telah membentuk Komite Pengembangan Tugu Insurance has established the Insurance Product
Produk Asuransi dengan tujuan membantu Direksi dalam Development Committee to assist the Board of Directors
rangka memantau implementasi pengembangan produk in monitoring the implementation of insurance product
asuransi seiring dengan pertumbuhan bisnis Perseroan, development in line with the company’s business growth.
memantau perkembangan eksposur produk asuransi, The committee also oversees the development of
meninjau pelaksanaan serta pengkinian kebijakan, proses insurance product exposure, reviews the execution and
dan prosedur yang terkait dengan pengembangan produk updates of policies, processes, and procedures related to
yang berkelanjutan. sustainable product development.
Susunan Keanggotaan, Dasar Pengangkatan, dan Masa Jabatan
Membership Composition, Basis of Appointment, and Term of Office
Ketentuan mengenai pengangkatan dan masa jabatan The provisions regarding the appointment and term of
Komite Pengembangan Produk Asuransi adalah office of the Insurance Product Development Committee
sebagai berikut: are as follows:
1. Anggota Komite diangkat dan diberhentikan oleh 1. Committee members are appointed and dismissed by
Direksi, berdasarkan rekomendasi dari Komite; the Board of Directors, based on recommendations
Komite bersifat independen dan bertanggung jawab from the Committee. The Committee is independent
langsung kepada Direktur yang membawahi fungsi and reports directly to the Director overseeing
pengembangan produk asuransi; insurance product development;
2. Direktur yang membawahi fungsi pengembangan 2. The Director overseeing insurance product development
produk asuransi sebagai Penanggung Jawab Utama serves as the Primary Responsible Party and
sekaligus sebagai Ketua Komite; Committee Chair;
3. Direktur yang membawahi fungsi pemasaran sebagai 3. The Director overseeing marketing serves as the
Wakil Ketua Komite merangkap sebagai Anggota Vice Chair of the Committee and concurrently as a
Tetap Komite; Permanent Member of the Committee;
4. Pejabat yang bertanggung jawab terhadap fungsi 4. The official responsible for product development serves
pengembangan produk sebagai Sekretaris Komite as the Committee Secretary and concurrently as a
merangkap sebagai Anggota Tetap Komite; Permanent Member of the Committee;
5. Pejabat yang bertanggung jawab terhadap fungsi 5. The official responsible for operations serves as a
operasional sebagai Anggota Tetap Komite; Permanent Member of the Committee;
6. Pejabat yang bertanggung jawab terhadap fungsi 6. The official responsible for risk management serves as
manajemen risiko sebagai Anggota Tetap Komite; a Permanent Member of the Committee;
7. Pejabat yang bertanggung jawab terhadap fungsi 7. The official responsible for marketing serves as a
pemasaran sebagai Anggota Tetap Komite; Permanent Member of the Committee;
8. Aktuaris sebagai Anggota Tetap Komite; 8. The Actuary serves as a Permanent Member of
the Committee;
9. Anggota Komite terdiri dari Anggota Tetap dengan hak 9. Committee members consist of Permanent Members
suara dan Anggota tanpa hak suara. with voting rights and Members without voting rights.
Komite Pengembangan Produk Asuransi dibentuk The Insurance Product Development Committee was
berdasarkan Surat Keputusan Direksi No. 006/SKD/05/ established based on Board of Directors Decree No.
LCD-ATPI/X/2024 tanggal 1 Oktober 2024 tentang 006/SKD/05/LCD-ATPI/X/2024, dated 1 October
Pembentukan Komite Pengembangan Produk Asuransi PT 2024, regarding the Formation of the Insurance Product
Asuransi Tugu Pratama Indonesia Tbk. Adapun susunan Development Committee of PT Asuransi Tugu Pratama
Komite Pengembangan Produk Asuransi per 31 Desember Indonesia Tbk.
2024, adalah sebagai berikut:
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 357
Page 360
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Posisi Nama Jabatan Periode Masa Jabatan
Position Name Position Term of Office
Penanggung Jawab Utama/ Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Efektif sejak tanggal 1 Oktober
Ketua Komite Risiko 2024
Primary Responsible Party/ Compliance & Risk Management Effective since 1 October 2024
Committee Chair Director
Wakil Ketua Komite/Anggota Ery Widiatmoko Direktur Pemasaran Asuransi
Tetap Insurance Marketing Director
Vice Chair of the Committee/
Permanent Member
Sekretaris/Anggota Tetap M. Haikal Sedayo Plt. Research, Development &
Secretary/Permanent Member Transformation Group Head
Acting Research, Development &
Transformation Group Head
Anggota Tetap Rahmat Hidayat Plt. Operation Group Head
Permanent Member Acting Operation Group Head
Jonathan David Nandana ERM, HSSE & APU PPT Group Head
Rully Hendra Wijaya Strategic Business II Group Head
Carolina Ledy Babbyana Business Development Group
Head
M. Ivan Faizal Aktuaris Perusahaan
Anggota Tidak Tetap Pejabat yang terkait dengan topik yang dibahas dan/atau direkomendasikan dalam Komite Manajemen
Non-Permanent Member Risiko, kecuali pengusul untuk transaksi atau hal-hal yang menyimpang dari prosedur normal.
Officials related to the topics discussed and/or recommended in the Risk Management Committee, except
for proposers of transactions or matters that deviate from normal procedures.
Profil Komite Pengembangan Produk Asuransi Per 31 Desember 2024
Profile of the Insurance Product Development Committee as of 31 December 2024
Untuk Profil Direktur Kepatuhan dan Manajemen Risiko The profiles of the Director of Compliance & Risk
dan Direktur Pemasaran Asuransi dapat dilihat pada Management and Director of Insurance Marketing can be
profil Direksi. found in the Board of Directors’ profile section.
Nama M. Haikal Sedayo
Name
Jabatan Plt. Research, Development & Transformation Group Head
Position Acting Research, Development & Transformation Group Head
Untuk profil Bapak M. Haikal Sedayo dapat dilihat pada profil anggota Komite Pengarah Teknologi Informasi dalam Laporan Tahunan ini.
The profile of Mr. M. Haikal Sedayo can be found in the IT Steering Committee members' profile section of this Annual Report.
Nama Rahmat Hidayat
Name
Jabatan Plt. Operation Group Head
Position Acting Operation Group Head
Kewarganegaraan Indonesia
Citizenship
Usia 40 tahun
Age 40 years old
Domisili Jakarta
Domicile
Pendidikan dan S2 - Universitas Mercubuana (Manajemen) Master’s Degree - Universitas Mercu Buana
Pelatihan (Management)
Education and Training Pelatihan
• QCRO Training
• Sosialisasi Anti Fraud & Whistleblowing System QCRO
• Sosialisasi Dan Pelatihan Implementasi Strategy And • Anti-Fraud & Whistleblowing System Socialization
Service Blue Print Untuk Manajemen • Socialization and Training on Strategy and Service
• TILEARN 063 - Menuju Digital Service Insurance Blueprint Implementation for Management
Company • TILEARN 063 - Towards a Digital Service Insurance
• Undang- Undang Pelindungan Data Pribadi Company
• Seminar PraPlanning Cycle • Personal Data Protection Law
• Pre-Planning Cycle Seminar
358 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Riwayat Pekerjaan dan • Plt. Operation Group Head Acting Operation Group • Acting Operation Group Head Acting Operation Group
Rangkap Jabatan Head (2024-sekarang) Head (2024-present)
Work History and • Project Management Department Head (2023) • Project Management Department Head (2023)
Concurrent Position • Procurement Department Head (2022-2023) • Procurement Department Head (2022-2023)
• Procurement Manager ( 2018-2022) • Procurement Manager (2018-2022)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
Nama Jonathan David Nandana
Name
Jabatan ERM, HSSE & APU PPT Group Head
Position
Untuk profil Bapak Jonathan David Nandana dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini.
The profile of Mr. Jonathan David Nandana can be found in the Investment Committee members' profile section of this Annual Report.
Nama Rully Hendra Wijaya
Name
Jabatan Strategic Business II Group Head
Position
Kewarganegaraan Indonesia
Citizenship
Usia 43 tahun
Age 43 years old
Domisili Depok
Domicile
Pendidikan dan S1 - Universitas Indonesia (Teknik Industri) Bachelor’s Degree - Universitas Indonesia (Industrial
Pelatihan Engineering)
Education and Training Pelatihan
• Ekosistem Digital : Penciptaan Nilai Dalam Asuransi Training
• TILEARN 061 - Financial Wellbeing Series Bijak • Digital Ecosystem: Value Creation in Insurance
Mengelola Keuangan Dan Pentingnya Investasi
• TILEARN 061 - Financial Wellbeing Series: Smart
• Sosialisasi Internal Memo Workflow Financial Management and the Importance of
• Sosialisasi Dan Pelatihan Implementasi Strategy and Investment
Service Blue Print Untuk Manajemen • Internal Memo Workflow Socialization
• Socialization and Training on Strategy and Service
• Leadership For Sustainable Impact : Grc,Esg, And Blueprint Implementation for Management
Sdgs • Leadership for Sustainable Impact: GRC, ESG, and
• Undang-Undang Pelindungan Data Pribadi SDGs
• Seminar PraPlanning Cycle • Personal Data Protection Law
• Pre-Planning Cycle Seminar
Riwayat Pekerjaan dan • Strategic Business II Group Head (2023-sekarang) • Strategic Business II Group Head (2023-present)
Rangkap Jabatan • Pjs. Strategic Business III Group Head (Nov 2024) • Acting Strategic Business III Group Head (Nov 2024)
Work History and • Strategic Partnership Group Head (2023) • Strategic Partnership Group Head (2023)
Concurrent Position • Aviation & Aerospace Group Head (2018-2023) • Aviation & Aerospace Group Head (2018-2023)
• Direct Business II Dept. Head (2018) • Direct Business II Department Head (2018)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham Utama/
Affiliation Relations Pengendali.
Has no affiliation with members of the Board of Commissioners, Board of Directors, or Major/Controlling
Shareholders.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 359
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Carolina Ledy Babbyana
Name
Jabatan Business Development Group Head
Position
Untuk profil Ibu Carolina Ledy Babbyana dapat dilihat pada profil anggota Komite Pengarah Teknologi Informasi dalam Laporan Tahunan ini.
The profile of Ms. Carolina Ledy Babbyana can be found in the IT Steering Committee members' profile section of this Annual Report.
Nama M. Ivan Faizal
Name
Jabatan Aktuaris Perusahaan
Position Company Actuary
Untuk profil Bapak M. Ivan Faizal dapat dilihat pada profil anggota Komite Investasi dalam Laporan Tahunan ini.
The profile of Mr. M. Ivan Faizal can be found in the Investment Committee members' profile section of this Annual Report.
Program Peningkatan Kompetensi Komite Pengembangan Produk Asuransi
Competency Development Program for the Insurance Product Development Committee
Komite Pengembangan Produk Asuransi telah mengikuti As of 31 December 2024, the composition of the
program peningkatan kompetensi sepanjang tahun 2024, Insurance Product Development Committee is as follows:
di antaranya:
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Edi Yoga Prasetyo Direktur Kepatuhan Informasi peningkatan kompetensi/pelatihan Bp. Edi Yoga Prasetyo dapat dilihat pada informasi
dan Manajemen peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Risiko
Compliance & Information on Mr. Edi Yoga Prasetyo's competency development/training can be found in the
Risk Management competency development/training section for Board of Directors members in this governance
Director chapter.
Ery Widiatmoko Direktur Pemasaran Informasi peningkatan kompetensi/pelatihan Bp. Ery Widiatmoko dapat dilihat pada informasi
Asuransi peningkatan kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Insurance Marketing
Director Information on Mr. Ery Widiatmoko's competency development/training can be found in the
competency development/training section for Board of Directors members in this governance
chapter.
M. Haikal Sedayo Plt. Research, Informasi pelatihan dan peningkatan kompetensi Bapak M. Haikal Sedayo dapat dilihat pada
Development & pelatihan dan peningkatan kompetensi anggota Komite Pengarah Teknologi Informasi dalam
Transformation Laporan Tahunan ini
Group Head
Acting Research, Information on Mr. M. Haikal Sedayo competency development/training can be found in the
Development & competency development/training section for Information Technology Steering Committee
Transformation members in this governance chapter.
Group Head
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Rahmat Hidayat Plt. Operation Group Online, 20 Mei 2024 QCRO Widya Dharma Artha
Head Online, 20 May 2024
Acting Operation Online, 16 Juli 2024 Sosialisasi Anti-Fraud & Tugu Institute x Internal Audit
Group Head Online, 16 July 2024 Whistleblowing System Group
Anti-Fraud & Whistleblowing
System Socialization
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X Research,
Jakarta, 26 August 2024 Implementasi Strategy and Development & Transformation
Service Blue Print untuk Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Jakarta, 28 Agustus 2024 Tilearn 063 - Menuju Digital Tugu Institute x Research,
Jakarta, 28 August 2024 Service Insurance Company Development & Transformation
Tilearn 063 - Towards a Digital Group
Service Insurance Company
Jakarta, 10 Desember 2024 Undang-Undang Perlindungan Tugu Institute X Legal &
Jakarta, 10 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
Jonathan David ERM, HSSE & APU Informasi pelatihan dan peningkatan kompetensi Bapak Jonathan David Nandana dapat
Nandana PPT Group Head dilihat pada pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam Laporan
Tahunan ini.
Information on Mr. Jonathan David Nandana competency development/training can be found
in the competency development/training section for Investment Committee members in this
governance chapter.
Rully Hendra Wijaya Strategic Business II Online, 31 Mei 2024 Ekosistem Digital: Penciptaan WDA
Group Head Online, 31 May 2024 Nilai Dalam Asuransi
Digital Ecosystem: Value
Creation in Insurance
Jakarta, 27 Juni 2024 Tilearn 061 - Financial Tugu Institute
Jakarta, 27 June 2024 Wellbeing Series Bijak
Mengelola Keuangan dan
Pentingnya Investasi
Tilearn 061 - Financial
Wellbeing Series: Smart
Financial Management and the
Importance of Investment
Jakarta, 7 Juni 2024 Sosialisasi Internal Memo Tugu Institute x MDM (Master
Jakarta, 7 June 2024 Workflow Data Management)
Internal Memo Workflow
Socialization
Jakarta, 26 Agustus 2024 Sosialisasi dan Pelatihan Tugu Institute X Research,
Jakarta, 26 August 2024 Implementasi Strategy and Development & Transformation
Service Blue Print untuk Group
Manajemen
Socialization and Training
on Strategy and Service
Blueprint Implementation for
Management
Online, 22 Agustus 2024 Leadership For Sustainable GRC Summit
Online, 22 August 2024 Impact: GRC, ESG, and SDGS
Jakarta, 10 Desember 2024 Undang-Undang Perlindungan Tugu Institute X Legal &
Jakarta, 10 December 2024 Data Pribadi Compliance Group
Personal Data Protection Law
Jakarta, 23 Juli 2024 Seminar PraPlanning Cycle Tugu Institute
Jakarta, 23 July 2024 Pre-Planning Cycle Seminar
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 361
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Jabatan Tempat dan Tanggal Subjek Penyelenggara
Name Position Place and Date Subject Organizer
Carolina Ledy Business Informasi pelatihan dan peningkatan kompetensi Ibu Carolina Ledy Babbyana dapat dilihat pada
Babbyana Development Group pelatihan dan peningkatan kompetensi anggota Komite Pengarah Teknologi Informasi dalam
Head Laporan Tahunan ini.
Information on Ms. Carolina Ledy Babbyana competency development/training can be found in
the competency development/training section for Information Technology Steering Committee
members in this governance chapter.
M. Ivan Faizal Aktuaris Perusahaan Informasi pelatihan dan peningkatan kompetensi Bapak M. Ivan Faizal dapat dilihat pada
Company Actuary pelatihan dan peningkatan kompetensi anggota Komite Investasi dalam Laporan Tahunan ini
Information on Mr. M. Ivan Faizal competency development/training can be found in the
competency development/training section for Investment Committee members in this governance
chapter.
Tugas dan Tanggung Jawab
Duties and Responsibilities
Komite Pengembangan Produk Asuransi Tugu Insurance The Insurance Product Development Committee of Tugu
memiliki tugas dan tanggung jawab untuk melakukan Insurance has the duties and responsibilities to review and
tinjauan dan memberikan rekomendasi atas: provide recommendations on:
1. Pengembangan Produk Asuransi berdasarkan hasil 1. Insurance Product Development based on the results
kajian atau pengujian Produk Asuransi of studies or product testing.
2. Pengklasifikasian Produk Asuransi yang: 2. Classification of Insurance Products, including:
a. Perlu mendapatkan persetujuan dari Otoritas Jasa a. Products that require approval from the Financial
Keuangan (OJK); atau Services Authority (OJK); or
b. Dilaporkan kepada OJK b. Products that must be reported to OJK.
3. Pemasaran Produk Asuransi, berupa: 3. Marketing of Insurance Products, including:
a. Melanjutkan pemasaran Produk Asuransi a. Continuing the marketing of insurance products.
b. Mengubah Produk Asuransi; dan/atau b. Modifying insurance products.
c. Menghentikan pemasaran Produk Asuransi c. Discontinuing the marketing of insurance products.
Pemberian rekomendasi atas perubahan produk asuransi Recommendations for changes to insurance products,
pada poin 3 dilakukan berdasarkan evaluasi produk as stated in point 3, are made based on the evaluation
asuransi yang dilakukan oleh Aktuaris Perusahaan dan/ of insurance products conducted by the Company’s
atau anggota Komite Pengembangan Produk Asuransi lain. Actuary and/or other members of the Insurance Product
Development Committee.
Komite Pengembangan Produk Asuransi memiliki pedoman The Insurance Product Development Committee operates
kerja yang dituangkan dalam Term of Reference (ToR) based on work guidelines outlined in the Terms of
Komite Pengembangan Produk Asuransi PT Asuransi Tugu Reference (ToR) of the Insurance Product Development
Pratama Indonesia Tbk. Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Kebijakan dan Pelaksanaan Rapat
Meeting Policy and Implementation Policy
Komite Pengembangan Produk Asuransi wajib melakukan The Insurance Product Development Committee must
rapat berkala dengan ketentuan sebagai berikut: conduct regular meetings with the following stipulations:
1. Komite wajib melakukan rapat Komite paling sedikit 4 1. The Committee must hold at least four (4) meetings
(empat) kali dalam satu tahun. per year.
2. Rapat Komite dipimpin oleh Ketua Komite. Dalam hal 2. Committee meetings are led by the Committee Chair.
Ketua Komite berhalangan hadir, maka Ketua Komite If the Chair is unable to attend, they will appoint a
akan menunjuk diantara anggota Tetap untuk bertugas Permanent Member to preside over the meeting.
sebagai pimpinan rapat.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
3. Sekretaris Komite melakukan persrapan rapat, 3. The Committee Secretary is responsible for preparing
membuat undangan, menentukan agenda rapat, dan meetings, sending invitations, setting the agenda,
mereview kesesuaian materi yang akan disampaikan reviewing the relevance of materials to be presented,
dalam rapat serta menyusun risalah rapat Komite. and preparing the meeting minutes.
4. Pembahasan dalam Komite dapat berupa rapat 4. Discussions within the Committee may take place
ataupun penandatanganan sirkuler. through meetings or circular decision-making.
5. Tema pembahasan pada Rapat Komite merujuk 5. The discussion topics in Committee Meetings refer to
pada cakupan pembahasan dalam Rapat Komite the scope of discussions within the Insurance Product
Pengembangan Produk Asuransi Development Committee Meetings.
6. Rapat dianggap sah dan berwenang mengambil 6. Meetings are considered valid and authorized to
keputusan yang mengikat apabila telah memenuhi make binding decisions if they meet the quorum
kuorum kehadiran anggota. of attendance.
7. Rapat akan memenuhi kuorum apabila dihadiri oleh 7. A meeting meets the quorum if attended by two-thirds
2/3 (dua per tiga) anggota Komite (2/3) of the Committee members.
8. Keputusan dapat diambil dengan suara bulat dari 8. Decisions are made unanimously by the attending
Anggota Komite yang hadir atau berdasarkan suara Committee members or by a majority vote (>50%) of
mayoritas (>50%) dari Anggota Komite yang hadir. those present.
9. Dalam hal jumlah suara yang setuju sama dengan 9. If the number of votes in favor is equal to the
jumlah suara yang tidak setuju, maka keputusan Rapat number of votes against, the decision is left to the
diserahkan kepada pimpinan Rapat. Meeting Chair.
10. Dalam pelaksanaan rapat Komite, selain dihadiri 10. In Committee meetings, external invitees may be
oleh Anggota Komite, dapat mengundang pihak-pihak invited if relevant to the discussion agenda.
(invitee) yang dianggap terkait sesuai dengan agenda
yang dibahas.
11. Status tindak lanjut rapat sebelumnya disampaikan 11. The status of follow-up actions from previous
pada setiap awal Rapat Komite. meetings is presented at the beginning of each
Committee meeting.
12. Setiap perbedaan pendapat (dissenting opinion) dalam 12. Any dissenting opinions during the meeting must be
rapat harus secara jelas dinyatakan dalam Risalah clearly stated in the Minutes of Meeting, along with
Rapat beserta alasannya. the reasons.
13. Anggota Komite yang hadir maupun yang tidak hadir 13. All Committee members, whether present or absent,
dalam rapat Komite berhak menerima salinan risalah are entitled to receive a copy of the meeting minutes.
rapat Komite.
Selama tahun 2024, Komite Pengembangan Produk In 2024, the Insurance Product Development Committee
Asuransi telah menyelenggarakan 2 (dua) kali rapat held 2 meetings, with the following attendance details for
dengan rincian kehadiran sebagai berikut: its members:
Tidak Hadir dengan
Nama Jumlah Rapat Jumlah Kehadiran Kehadiran dalam % Surat Kuasa
Name Total Meetings Total Attendance Attendance in % Absence with Power of
Attorney
Edi Yoga Prasetyo 2 2 100% -
Ery Widiatmoko 2 2 100% -
M. Haikal Sedayo 2 2 100% -
Rahmat Hidayat 2 1 50% -
Jonathan David Nandana 2 2 100% -
Rully hendra Wijaya 2 2 100% -
Carolina Ledy Babbyana 2 1 50% -
M.Ivan Faizal 2 2 100% -
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 363
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Laporan Pelaksanaan Tugas Komite Pengembangan Produk Asuransi
Report on the Implementation of Tasks by the Insurance Product Development Committee
Komite membuat laporan berkala paling sedikit 1 The Committee prepares a periodic report at least
(satu) kali dalam setahun mengenai pelaksanaan tugas once a year on the implementation of its duties and
serta rekomendasi Komite. Laporan komite dibuat oleh recommendations. The report is prepared by the
Sekretaris Komite dan wajib ditandatangani oleh Ketua Committee Secretary and must be signed by the
Komite. Per 31 Desember 2024, pelaksanaan kinerja Committee Chair. As of December 31, 2024, the
Komite Pengembangan Produk Asuransi antara lain: performance implementation of the Insurance Product
Development Committee includes:
1. Meeting Perdana Komite Pengembangan Produk 1. The inaugural meeting of the Insurance Product
dengan topik Rencana Bisnis Pengembangan Produk Development Committee with the topic Product
untuk tahun 2025 dilaksanakan pada 11 November Development Business Plan for 2025 was held on 11
2024; November 2024.
2. Meeting Komite Pengembangan Produk dengan topik 2. A committee meeting discussing the topic Retail
Pembahasan Definisi Bisnis Retail dilaksankan pada Business Definition was held on 19 December 2024.
tanggal 19 Desember 2024.
Pelaksanaan Kinerja Komite Pengembangan Produk The Insurance Product Development Committee conducted
dilakukan 2 (dua) kali dalam periode 2024 dikarenakan two (2) meetings in 2024, as the committee was officially
Pembentukan Komite Pengembangan Produk ditetapkan established on 1 October 2024.
per tanggal 1 Oktober 2024.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5.E
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan Tugu Insurance memiliki The Corporate Secretary of Tugu Insurance serves as
fungsi sebagai pihak penghubung yang menjembatani a liaison, bridging the interests between the Company
kepentingan antara Perseroan dengan pihak eksternal, and external parties, particularly in maintaining the
terutama dalam menjaga persepsi publik atas citra public perception of the Company’s image and ensuring
Perseroan serta melaksanakan keterbukaan informasi. information disclosure. Any information provided by the
Setiap informasi yang disampaikan oleh Sekretaris Corporate Secretary to the public is considered official
Perusahaan kepada masyarakat merupakan informasi information from the Company. Additionally, the Corporate
resmi dari Perseroan. Selain itu, Sekretaris Perusahaan Secretary is responsible for ensuring the Company’s
wajib memastikan pemenuhan kepatuhan perusahaan compliance with capital market laws and regulations.
terhadap peraturan perundang-undangan di bidang
pasar modal.
Kedudukan dan Penunjukan Sekretaris Perusahaan
Position and Appointment of Corporate Secretary
Ketentuan mengenai kedudukan dan penunjukan The provisions regarding the position and appointment of
Sekretaris Perusahaan di Tugu Insurance adalah the Corporate Secretary at Tugu Insurance are as follows:
sebagai berikut:
1. Fungsi Sekretaris Perusahaan dapat dilaksanakan oleh 1. The function of the Corporate Secretary can be carried
orang perseorangan atau unit kerja yang dipimpin oleh out by an individual or work units led by one person
satu penanggung jawab; in charge;
2. Sekretaris Perusahaan diangkat dan diberhentikan 2. The Corporate Secretary is appointed and dismissed
berdasarkan Keputusan Direksi melalui mekanisme based on the Decree of the Board of Directors through
internal Perusahaan dengan persetujuan Dewan the Company’s internal mechanism with the approval
Komisaris. Dalam struktur organisasi Perseroan, of the Board of Commissioners. In the Company’s
Sekretaris Perusahaan bertanggung jawab kepada organizational structure, the Corporate Secretary
Presiden Direktur; reports to the President Director;
3. Sekretaris Perusahaan dapat dirangkap oleh seorang 3. The Corporate Secretary can be concurrently held
anggota Direksi Perseroan, atau Perseroan dapat by a member of the Company’s Board of Directors,
menetapkan dalam struktur organisasinya salah or the Company can designate one of its officials
satu pejabat satu level di bawah Direksi sebagai one level below the Board of Directors as the
Sekretaris Perusahaan; Corporate Secretary;
4. Sekretaris Perusahaan dilarang merangkap jabatan 4. The Corporate Secretary is prohibited from holding
apapun di perusahaan publik lain; dan concurrent positions in other public companies; and
5. Sekretaris Perusahaan Perseroan memiliki 5. The Company’s Corporate Secretary should have
pengetahuan mengenai peraturan yang berkaitan knowledge of regulations that involve the Company,
dengan Perseroan, hubungan masyarakat, keterampilan along with public relations skills, administrative skills,
administratif, dan pengalaman yang mendukung and experience that support the implementation of
pelaksanaan tugasnya. their duties.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 365
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keorganisasian Sekretaris Perusahaan
Organization of Corporate Secretary
Struktur organisasi Corporate Secretary Group Tugu The organizational structure of the Corporate Secretary
Insurance ditetapkan sesuai Keputusan Direksi No. 104/ Group Tugu Insurance is established in accordance with
SKD/04/HCM-ATPI/VIII/2024 tanggal 9 Agustus 2024 the Board of Directors’ Decision No. 104/SKD/04/
tentang Struktur Organisasi PT Asuransi Tugu Pratama HCM-ATPI/VIII/2024 dated 9 August 2024, concerning
Indonesia Tbk. the Organizational Structure of PT Asuransi Tugu Pratama
Indonesia Tbk.
Corporate Secretary
Government, Corporate
Investor Relation BOD Office
Public Relation & Communication &
Department Department
CSR Department Brand Departement
Profil Pejabat Sekretaris Perusahaan
Profile of Corporate Secretary
Berdasarkan Surat yang telah dilaporkan ke OJK dengan Based on the letter reported to the OJK with No.
No. 37/S/01/PD-ATPI/III/2024 tanggal 1 Maret 2024, 37/S/01/PD-ATPI/III/2024 dated 1 March 2024, the
posisi Sekretaris Perusahaan dijabat rangkap oleh Direktur position of Corporate Secretary is concurrently held by the
Kepatuhan dan Manajemen Risiko, Edi Yoga Prasetyo. Director of Compliance and Risk Management, Edi Yoga
Profil Bapak Edi Yoga Prasetyo dapat dilihat pada profil Prasetyo. Mr. Edi Yoga Prasetyo’s profile can be found in
Direksi di Laporan Tahunan ini. the Board of Directors’ profile in this Annual Report.
Tugas dan Tanggung Jawab Sekretaris Perusahaan
Corporate Secretary’s Duties and Responsibilities
Dalam menjalankan peranan pentingnya dalam In carrying out his pivotal role in facilitating
memfasilitasi komunikasi antara organ perusahaan, communications between the Company’s organs, the
menjaga hubungan antara Perseroan dengan stakeholders, relationship between the Company and stakeholders, as
dan memastikan kepatuhan terhadap peraturan yang well as ensuring compliance with applicable regulations,
berlaku, Sekretaris Perusahaan memiliki tugas dan the Corporate Secretary has the following duties
tanggung jawab sebagai berikut: and responsibilities:
1. Menentukan anggaran operasional untuk Group 1. Set the amount of the Group’s operational budget
dan mengawasi penggunaannya untuk memastikan and supervise the use of the budget to ensure
efektivitas anggaran; budget effectiveness;
2. Menetapkan sasaran dan target kerja untuk Group, 2. Set the Group’s goals and work targets, and coordinate
mengkoordinasi dan mengevaluasi pelaksanaannya and evaluate their implementation to ensure that the
untuk memastikan pencapaian sasaran dan target Group’s goals are met;
kerja Group;
3. Merekomendasikan jumlah SDM yang diperlukan untuk 3. Recommend the number of human resources to
memastikan efektivitas pencapaian sasaran dan target ensure the effectiveness of the Group’s goals and work
kerja Group; targets achievement;
4. Menilai kinerja dan kompetensi bawahan untuk 4. Assess the performance and competence of
memastikan pencapaian kinerja individu dan subordinates to ensure individual performance
pengembangan kompetensi bawahan; achievement and development of their competencies;
366 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5. Menyetujui/mengevaluasi keterlibatan pihak ketiga 5. Approve and evaluate the involvement of third
dan menunjuk pihak ketiga yang terlibat dalam proses parties and appoint the third parties involved in the
komunikasi Perusahaan dan Tanggung Jawab Sosial Company’s communication process, and corporate
Perusahaan (CSR) untuk memastikan efektivitas kerja social responsibility (CSR), so as to ensure work
di Corporate Secretary Group; effectiveness at the Corporate Secretary Group;
6. Mengevaluasi dan merekomendasikan perubahan 6. Evaluate and recommend changes to policies
kebijakan terkait proses komunikasi perusahaan dan related to corporate communication processes, and
CSR untuk meningkatkan efektivitas proses kerja di Corporate Social Responsibility (CSR) to improve the
Corporate Secretary Group; effectiveness of work processes in the Corporate
Secretary Group;
7. Mengawasi dan mengevaluasi pelaksanaan proses 7. Oversee and evaluate the implementation of corporate
komunikasi perusahaan dan CSR di Corporate communication processes as well as Corporate
Secretary Group untuk meningkatkan efektivitas Social Responsibility (CSR) at the Corporate Secretary
proses kerja; Group, with a view to increasing the effectiveness of
work processes;
8. Mengevaluasi pelaksanaan program kerja yang ada 8. Evaluate the implementation of work programs in the
di Corporate Secretary Group untuk mengidentifikasi Corporate Secretary Group to identify gaps between
kesenjangan antara program kerja dan implementasi; work programs and implementation;
9. Memastikan implementasi budaya dan nilai-nilai yang 9. Ensure the implementation of the culture and values
telah ditetapkan oleh Perusahaan di lingkup Corporate set by the Company within the scope of the Corporate
Secretary Group; Secretary Group;
10. Mengendalikan dan mengoordinasi seluruh kegiatan 10. Control and coordinate all communication activities
komunikasi perusahaan, hubungan masyarakat, serta of the Company, public relations and play a role
mendampingi Direksi dan/atau mewakili Perusahaan in accompanying the Board of Directors and/or
dalam berkomunikasi dengan pihak eksternal yang representing the Company in communicating with
berkepentingan untuk memberikan pelayanan kepada other parties having interest in the Company to
stakeholders atas informasi relevan yang dibutuhkan; provide services to stakeholders for any relevant
information needed;
11. Melaksanakan proses koordinasi dan menjadi 11. Carry out the coordination process and become a
penghubung antara Direksi dengan Dewan liaison between the Board of Directors with the Board
Komisaris, Pemegang Saham, masyarakat, dan of Commissioners, Shareholders, the public, and
media massa untuk menjalin komunikasi yang baik the mass media to establish good communications
antar stakeholders; among stakeholders;
12. Mengoordinir penyelenggaraan RUPST, RUPSLB, rapat 12. Coordinate the holding of the AGMS, EGMS, Board
Dewan Komisaris, dan rapat Direksi, serta menghadiri of Commissioners meetings and Board of Directors
rapat Direksi dan rapat gabungan antara Komisaris meetings, as well as attending Board of Directors
dan Direksi. Sekretaris Perusahaan juga mengkoordinir meetings and joint meetings between the Board of
penyusunan risalah rapat untuk memastikan agenda Commissioners and Board of Directors. The Corporate
rapat di tingkat Pemegang Saham, Komisaris, dan Secretary also coordinates the preparation of minutes
Direksi terlaksana dengan baik; of meetings to ensure those meeting agendas at the
levels of Shareholders, the Board of Commissioners
and the Board of Directors are carried out properly;
13. Mengendalikan dan mengoordinasi penyusunan 13. Control and coordinate the preparation for the
Laporan Tahunan dan Laporan Berkelanjutan untuk Company’s Annual Report and Sustainability Report
memastikan tersedianya laporan tahunan dan laporan to ensure the availability of the Company’s annual
berkelanjutan secara komprehensif, akurat, menarik, report and sustainability report in a comprehensive,
tepat waktu, dan sesuai dengan persyaratan regulasi; accurate, engaging, and timely manner, pursuant to
regulatory requirements;
14. Mengendalikan dan mengevaluasi pelaksanaan 14. Control and evaluate the implementation of CSR
program CSR yang bersifat strategis, komprehensif, programs that are strategic, comprehensive, and
dan berkelanjutan untuk memastikan pelaksanaannya sustainable to ensure that CSR programs are
secara optimal; optimally implemented;
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 367
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
15. Mengendalikan dan mengoordinasi kegiatan 15. Control and coordinate the Company’s secretarial
kesekretariatan perusahaan, penyimpanan dokumen activities, keeping important documents, as well as
penting, serta pengelolaan dan pemutakhiran informasi management and update of information regarding the
mengenai perusahaan yang disampaikan kepada Company submitted to stakeholders in various media
stakeholders melalui berbagai media untuk menjamin publications, to ensure the accuracy and availability
akurasi dan ketersediaan dokumen penting dan of important documents and information about
informasi mengenai perusahaan; the Company;
16. Sebagai penghubung/mediator antara Direksi, pegawai, 16. Act as a liaison/mediator between the Board
Dewan Komisaris, pemegang saham, regulator, of Directors and employees with the Board of
asosiasi, masyarakat, media massa, dan pihak Commissioners, shareholders, regulators, associations,
eksternal lainnya; the public, the mass media, and other external parties;
17. Mengoordinir kegiatan terkait perubahan dan 17. Coordinate activities regarding changes and
perkembangan peraturan perundang-undangan yang developments in laws and regulations related to the
terkait dengan bidang usaha perusahaan, menganalisis Company’s line of business and analyze their impact on
dampaknya terhadap perusahaan, dan menyampaikan the Company and submit the results of the study to the
hasil kajian kepada Direksi. Board of Directors.
Pelatihan Sekretaris Perusahaan
Corporate Secretary’s Training
Selama tahun 2024, Sekretaris Perusahaan secara rutin During 2024, the Corporate Secretary routinely
mengikuti berbagai pelatihan, workshop, dan seminar yang participated in various training sessions, workshops, and
rinciannya sebagai berikut: seminars, the details of which are as follows:
Nama Tanggal Tempat Subjek Penyelenggara
Name Date Place Subject Organizer
Edi Yoga Prasetyo 26 Agustus 2024 Jakarta Sosialisasi Dan Pelatihan Tugu Institute X
26 August 2024 Implementasi Strategy And Research, Development &
Service Blue Print Untuk Transformation Group
Manajemen
Socialization And Training
On The Implementation
Of Strategy And Service
Blueprint For Management
22 September 2024 Bali Insurance Summit AAUI
22 September 2024
26 November 2024 Jakarta Pelatihan Dan Uji Profesi Islamic Insurance Society
26 November 2024 Ajun Ahli Asuransi Syariah-
Program Khusus
Training And Professional
Examination For Junior
Islamic Insurance Expert –
Special Program
(End 28 Mei 2024) Jakarta Program Pendidikan Institut Pertanian Bogor
(End 28 May 2024) Magister Manajemen (MM)
Master Of Management
Education Program (MM)
368 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Laporan Pelaksanaan Tugas Sekretaris Perusahaan
Report on Implementation of Corporate Secretary Duties
Dalam menjalankan peran pentingnya dalam memfasilitasi Report on Implementation of Corporate Secretary Duties
komunikasi antara organ perusahaan, hubungan antara The Corporate Secretary plays a key role in facilitating
Perseroan dengan stakeholders, dan memastikan communication between the company’s organs,
kepatuhan terhadap peraturan yang berlaku, Sekretaris managing the relationships between the company and its
Perusahaan pada Desember 2024 memiliki tugas dan stakeholders, and ensuring compliance with applicable
tanggung jawab sebagai berikut: regulations. As of December 2024, the duties of the
Corporate Secretary include:
1. Government, Public Relations & CSR 1. Government, Public Relations & CSR
Government, Public Relations & CSR Department The Government, Public Relations & CSR Department
memiliki tanggung jawab untuk melakukan kegiatan is responsible for executing the company’s external
komunikasi eksternal perusahaan dan serta communications and establishing harmonious
menjalin hubungan harmonis dengan para pemangku relationships with its stakeholders. In fostering strong
kepentingan. Dalam membangun kerja sama yang baik cooperation with external parties, the department is
dengan pihak eksternal, Government, Public Relation & tasked with media relations and engagement, ensuring
CSR Department mempunyai tugas dan tanggung jawab that Tugu Insurance maintains positive relationships
sebagai Media Relations & Engagement untuk menjaga with media journalists and reporters.
hubungan baik antara Tugu Insurance dengan rekan
jurnalis/wartawan media.
Sepanjang tahun 2024, Government, Public Relation & Throughout 2024, the department carried out a series
CSR Department telah melakukan serangkaian kegiatan of media relations and engagement activities, including
dalam media relations & engagement, di antaranya social visits with media personnel such as media
kegiatan silahturahmi dengan wartawan media berupa visits, media interviews, and courtesy visits.
media visit, media interview serta media courtesy.
Government, Public Relation & CSR Department The department also conducted media monitoring
juga melakukan Media Monitoring & Analysis untuk and analysis to provide information on various media
memberikan informasi terkait berbagai pemberitaan di reports—whether concerning Tugu Insurance’s group
media, baik itu mengenai Tugu Insurance bisnis grup, business, regulatory issues, or matters related to
regulasi maupun lingkup hal yang berkaitan dengan the Company. This media monitoring plays a role in
Perseroan. Media Monitoring juga berperan dalam calculating the PR Value and Advertorial Value for Tugu
perhitungan PR Value dan Advertorial Value untuk Insurance’s published media coverage.
pemberitaan Tugu Insurance yang terpublikasi.
Selain itu, Government, Public Relation & CSR Additionally, the department periodically issues press
Department secara berkala juga menerbitkan Press releases and publishes a summarized Financial Report
Release dan melaksanakan publikasi ringkasan in accordance with applicable laws and regulations. It
Laporan Keuangan sesuai dengan peraturan dan has also fulfilled its reporting obligations to regulators
regulasi yang berlaku. Government, Public Relation & (the Financial Services Authority and the Indonesia
CSR Department juga telah melaksanakan kewajiban Stock Exchange) for both routine and special (ad hoc)
pelaporan kepada Regulator (Otoritas Jasa Keuangan reports.
dan Bursa Efek Indonesia) atas kewajiban pelaporan
yang bersifat rutin maupun khusus (ad hoc).
Government, Public Relation & CSR Department Furthermore, the department submitted the
telah melakukan pelaporan Rencana Aksi Keuangan Sustainable Financial Action Plan (RAKB) for the 2025
Berkelanjutan (RAKB) untuk periode 2025 serta period and executed Corporate Social Responsibility
melaksanakan kegiatan Corporate Social Responsibility (CSR) activities. Tugu Insurance’s CSR initiatives,
(CSR). Kegiatan CSR Tugu Insurance dikenal dengan known as Bakti Tugu, consist of four pillars: Bakti
Bakti Tugu yang terdiri dari 4 (empat) pilar kegiatan for Health and Safety, Bakti for Environmental
yaitu, Bakti untuk Kesehatan dan Keselamatan, Bakti Sustainability, Bakti for Education and Financial
untuk Lingkungan Hidup, Bakti untuk Pendidikan dan Literacy, and Bakti for Economic Empowerment. A
Literasi Keuangan, dan Bakti untuk Pemberdayaan more comprehensive discussion of the CSR activities
Ekonomi. Pembahasan mengenai kegiatan CSR yang conducted throughout 2024 is presented in the
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 369
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
telah dilakukan selama tahun 2024 dipaparkan secara Company’s 2024 Sustainability Report.
lebih komprehensif dalam Laporan Keberlanjutan
(Sustainability Report) 2024 Perseroan.
2. Investor Relations 2. Investor Relations
Investor Relations Department secara aktif melakukan The Investor Relations Department actively holds
pertemuan dengan analis, komunitas saham dan meetings with analysts, stock and investment
investasi, serta secara rutin melakukan korespondensi communities, and routinely communicates with
dengan investor untuk memberikan update informasi investors to provide updates on the company’s
terkait kondisi dan kinerja perusahaan. condition and performance.
Sepanjang tahun 2024, Investor Relation telah Throughout 2024, Investor Relations coordinated
mengkoordinasikan penyelenggaraan Rapat Umum the organization of the Annual General Meeting of
Pemengang Saham Tahunan (RUPST) tahun buku 2023 Shareholders (AGMS) for the 2023 fiscal year on
pada 29 April 2024, dan Public Expose Tahunan pada 29 April 2024, and the Annual Public Expose on 4
4 Desember 2024, termasuk juga menyusun Laporan December 2024, as well as preparing the 2023 Annual
Tahunan 2023 untuk mendapat persetujuan pemegang Report to obtain shareholder approval through the
saham melalui RUPS. General Meeting of Shareholders.
3. BOD Office 3. BOD Office
BOD Office merupakan fungsi yang mengkoordinir The BOD Office is a function that coordinates all
seluruh kegiatan Direksi, mulai dari daily meeting, activities of the Board of Directors, ranging from daily
budgeting, pertemuan dengan business partner, meetings, budgeting, meetings with business partners,
perjalanan dinas, serta memastikan terpenuhinya and business trips, to ensuring that the reporting and
pelaporan dan dokumentasi terkait kewajiban Direksi documentation obligations of the Company’s Board
Perseroan sesuai dengan ketentuan dan perundangan of Directors are met in accordance with applicable
yang berlaku. regulations and laws.
Pada tahun 2024, BOD Office telah melaksanakan In 2024, the BOD Office carried out a series of
berbagai rangkaian kegiatan diantaranya adalah activities including oversight of corporate performance
pengendalian terhadap kinerja korporat seperti through the Performance Review (for the parent
Performance Review (induk) dan Performance company) and Performance Dialogue (for subsidiaries).
Dialogue (Anak Perusahaan). Kemudian dilakukan It also prepared the 2024 corporate strategy directives
juga penyusunan arahan strategi korporat 2024 by organizing a BOD Retreat, which was then cascaded
melalui penyelenggaraan BOD Retreat, yang kemudian to the BOD minus one level during the Planning Cycle
di-cascading kepada jajaran BOD minus one pada as a form of two-way communication between the
kegiatan Planning Cycle sebagai bentuk komunikasi Board of Directors’ presentation of the corporate
dua arah antara penyampaian strategi perusahaan strategy and the business plan proposals from
dari Direksi, dan direspon dengan proposal rencana the relevant functions. Additionally, the BOD Office
bisnis dari fungsi terkait. Selain itu, BOD Office coordinated the monthly BOD Meetings.
juga mengkoordinir pelaksanaan BOD Meeting yang
dilakukan secara rutin setiap bulannya.
4. Corporate Communication & Brand 4. Corporate Communication & Brand
Corporate Communication & Brand Department The Corporate Communication & Brand Department
merupakan bagian dari Corporate Secretary Group, is part of the Corporate Secretary Group and is
yang memiliki tanggung jawab dalam melakukan responsible for conducting the company’s brand
kampanye merek perusahaan melalui berbagai campaigns through various communication activities
aktivitas dan strategi komunikasi baik secara internal and strategies, both internally and externally, in line
maupun eksternal melalui strategi komunikasi yang with the company’s target segments.
sesuai dengan target segmen Perusahaan.
Pada tahun 2024, Corporate Communication & Brand In 2024, the Corporate Communication & Brand
Dept melakukan berbagai kampanye merek ataupun Department executed various brand campaigns and
aktivitas promosi komunikasi melalui kanal media promotional communication activities through digital
digital maupun aktivitas luar ruangan, baik dalam media channels as well as outdoor events, utilizing
pemanfaatan own asset Perusahaan (Website dan the company’s own assets (website and social media)
Sosial Media) maupun kanal online/digital lainnya yang and other online/digital channels that serve as the
merupakan mainstream media Perusahaan. company’s mainstream media.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Selain itu, di tahun 2024 Corporate Communication Additionally, in 2024 the department continued to
& Brand Department juga terus memberikan support the company’s internal functions by providing
support kepada fungsi internal di perusahaan dalam the necessary Marketing Kits/Promotional Tools, and
penyediaan Marketing Kit/Promotional Tools yang by collaborating with related functions in executing
dibutuhkan, serta berkolaborasi dengan fungsi campaigns related to the internalization of the BUMN
terkait atas berjalannya kampanye di perusahaan and Pertamina core value known as AKHLAK.
terkait internalisasi Core Value BUMN dan Pertamina
yaitu AKHLAK.
Melanjutkan transformasi merek yang dilakukan Continuing the brand transformation initiated in 2018,
2018 silam, di tahun ini Corporate Communication & this year the Corporate Communication & Brand
Brand Departemen Bersama fungsi terkait kembali Department, together with related functions, conducted
melakukan research terkait Customer Satisfaction research on the Customer Satisfaction & Loyalty Index
& Loyalty Index kepada masyarakat umum, existing among the general public, existing customers, and
customer serta business partners, dengan hasil skor business partners, resulting in a Customer Satisfaction
Customer Satisfaction Index & Loyalty Index sebesar & Loyalty Index score of 4.42. Meanwhile, the Net
4,42. Sedangkan NPS (Net Promoter Score) berhasil Promoter Score (NPS) was achieved at 4.57 out of
didapatkan di angka 4,57 dari skala 5,00 5.00.
Pada tahun 2025, strategi komunikasi perusahaan In 2025, the company’s communication strategy will
akan berorientasi pada pendekatan yang lebih humanis, focus on a more humanistic approach, prioritizing ease
mengutamakan kemudahan akses informasi, serta tetap of access to information while continuing to strengthen
memperkuat citra perusahaan sebagai entitas yang the company’s image as a trusted entity. This strategy is
terpercaya. Strategi ini dirancang untuk memperkuat designed to enhance customer closeness and support
kedekatan dengan pelanggan, sekaligus mendukung visi the company’s vision of becoming Indonesia’s number one
perusahaan untuk menjadi perusahaan asuransi umum general insurance company by delivering superior product
nomor satu di Indonesia dengan menghadirkan inovasi innovations and services.
produk serta layanan yang unggul.
Dalam menjalankan kegiatan membangun hubungan In carrying out activities to build relationships with
dengan Regulator dan memenuhi kewajiban penyampaian regulators and to fulfill its obligation to provide information
informasi kepada Regulator, Sekretaris Perusahaan to them, the Corporate Secretary has sent correspondence
telah menyampaikan korespondensi kepada OJK dan BEI to the OJK and BEI throughout 2024, including
sepanjang tahun 2024, antara lain sebagai berikut: the following:
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
1 001/S/01/COS-ATPI/I/2024 2 Januari 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Desember 2023
2 January 2024 Foreign Currency Debt Report for the Period December 2023
2 008/S/01/COS-ATPI/I/2024 5 Januari 2024 OJK, BEI Laporan Registrasi Efek Periode 31 Desember 2023
5 January 2024 Securities Registration Report as of 31 December 2023
3 010/S/01/COS-ATPI/I/2024 19 Januari 2024 OJK Surat Keterbukaan Informasi hasil FPT
19 January 2024 Disclosure Letter of FPT Results
4 011/S/01/COS-ATPI/I/2024 19 Januari 2024 OJK Surat Keterbukaan Informasi Hasil FPT
19 January 2024 Disclosure Letter of FPT Results
5 012/S/01/COS-ATPI/I/2024 20 Januari 2024 OJK Surat Pernyataan Penyampaian Informasi KTP BOD dan BOC
20 January 2024 Statement Letter on Submission of BOD and BOC ID Information
6 018/S/01/COS-ATPI/II/2024 1 Februari 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Januari 2024
1 February 2024 Foreign Currency Debt Report for the Period January 2024
7 020/S/01/COS-ATPI/II/2024 6 Februari 2024 OJK, BEI Laporan Registasi Efek Periode 31 Januari 2024
6 February 2024 Securities Registration Report as of 31 January 2024
8 024/S/01/COS-ATPI/III/2024 4 Maret 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Februari 2024
4 March 2024 Foreign Currency Debt Report for the Period February 2024
9 025/S/01/COS-ATPI/III/2024 5 Maret 2024 OJK, BEI Laporan Registrasi Efek Periode Februari 2024
5 March 2024 Securities Registration Report Period February 2024
10 027/S/01/COS-ATPI/III/2024 14 Maret 2024 OJK, BEI Pemberitahuan Pelaksanaan RUPST 2024
14 March 2024 Notice of Annual General Meeting (AGM) Implementation 2024
11 028/S/01/COS-ATPI/III/2024 21 Maret 2024 OJK, BEI Pengumuman Pelaksanaan RUPST 2024
21 March 2024 Announcement of AGM Implementation 2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 371
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
12 029/S/01/COS-ATPI/III/2024 22 Maret 2024 OJK, BEI Penyampaian Bukti Iklan Pengumuman RUPST
22 March 2024 Submission of Advertisement Proof of AGM Announcement
13 031/S/01/COS-ATPI/III/2024 26 Maret 2024 OJK Bukti Iklan LK Tahunan Konsolidasian (Audited) Tahun Buku 2023
26 March 2024 Evidence of public disclosure announcement for the 2023
Consolidated Annual Financial Statements (Audited)
14 032/S/01/COS-ATPI/III/2024 26 Maret 2024 OJK Penyampaian Laporan Keuangan Tahunan (Audited) Tahun Buku
26 March 2024 2023
Submission of the 2023 Annual Financial Statements (Audited)
15 032/S/01/COS-ATPI/IV/2024 1 April 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Maret 2024
Foreign Currency Debt Report for the Period March 2024
16 033/S/01/COS-ATPI/IV/2024 5 April 2024 OJK, BEI Laporan Registrasi Efek Periode Maret 2024
Securities Registration Report Period March 2024
17 035/S/01/COS-ATPI/IV/2024 3 April 2024 OJK Penyampaian Laporan Keberlanjutan (Sustainability Report) Tahun
Buku 2023
Submission of Sustainability Report for Fiscal Year 2023
18 036/S/01/COS-ATPI/IV/2024 3 April 2024 OJK Penyampaian Laporan Keberlanjutan (Sustainability Report) Tahun
Pengawasan Buku 2023
Asuransi Submission of Sustainability Report for Fiscal Year 2023
19 037/S/01/COS-ATPI/IV/2024 5 April 2024 OJK, BEI Surat Pengantar Pemanggilan RUPST 2024
Cover Letter for AGM Summons 2024
20 038/S/01/COS-ATPI/IV/2024 5 April 2024 OJK, BEI Penyampaian Laporan Tahunan (Annual Report) Tahun Buku 2023
Submission of the 2023 Annual Report
21 039/S/01/COS-ATPI/IV/2024 5 April 2024 OJK, BEI Surat Pengantar Bukti Publikasi Pemanggilan RUPST
Cover Letter for Proof of Publication of AGM Summons
22 044/S/01/COS-ATPI/IV/2024 16 April 2024 OJK IKNB Penyampaian Laporan Tahunan (Annual Report) Tahun Buku 2023
Submission of the 2023 Annual Report
23 048/S/01/COS-ATPI/IV/2024 26 April 2024 OJK BEI Penyampaian Laporan Keuangan Interim 31 Maret 2024
Submission of Interim Financial Statements as of 31 March 2024
24 049/S/01/COS-ATPI/IV/2024 26 April 2024 OJK, BEI Ralat Pemanggilan Rapat Umum Pemegang Saham Tahunan
Correction of Annual General Meeting Summons
25 050/S/01/COS-ATPI/IV/2024 26 April 2024 OJK, BEI Pemberitahuan Ralat Pemanggilan RUPST 2024
Correction Notice of AGM Summons ATPI
26 051/S/01/COS-ATPI/V/2024 2 Mei 2024 OJK, BEI Penyampaian Ringkasan Risalah RUPST
2 May 2024 Submission of Summary Minutes of AGM 2024
27 052/S/01/COS-ATPI/V/2024 2 Mei 2024 OJK, BEI Penyampaian jadwal dan tata cara pembagian dividen Tahun Buku
2 May 2024 2023
Submission of Schedule and Procedures for Dividend Distribution
for Fiscal Year 2023
28 053/S/01/COS-ATPI/IV/2024 30 April 2024 OJK Penyampaian Bukti Iklan Laporan Keuangan Tahunan
Submission of Evidence of Public Disclosure for the Annual
Financial Statements
29 054/S/01/COS-ATPI/IV/2024 30 April 2024 OJK IKNB Penyampaian Bukti Iklan Laporan Keuangan Tahunan
Submission of Evidence of Public Disclosure for the Annual
Financial Statements
30 055/S/01/COS-ATPI/V/2024 2 Mei 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode April 2024
2 May 2024 Foreign Currency Debt Report for the Period April 2024
31 056/S/01/COS-ATPI/V/2024 2 Mei 2024 OJK Laporan Informasi atau Fakta Material Perubahan Anggota Dewan
2 May 2024 Komisaris
Information or Material Fact Report Regarding Board of
Commissioner Member
32 057/S/01/COS-ATPI/V/2024 3 Mei 2024 OJK, BEI Penyampaian Bukti Publikasi Ringkasan Risalah RUPST dan Tata
3 May 2024 Cara serta Jadwal Pembayaran Dividen
Disclosure of Evidence of Publication of the Summary of the Annual
General Meeting of Shareholders (AGMS) Minutes, the Procedures
and Schedule for Dividend Payment
33 058/S/01/COS-ATPI/V/2024 6 Mei 2024 OJK, BEI Laporan Registrasi Efek Periode April 2024
6 May 2024 Securities Registration Report Period April 2024
34 060/S/01/COS-ATPI/V/2024 15 Mei 2024 OJK Pelaporan Perubahan Kepemilikan Saham
15 May 2024 Report of Changes in Share Ownership
372 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 375
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
35 061/S/01/COS-ATPI/V/2024 17 Mei 2024 OJK Pelaporan Perubahan Kepemilikan Saham
17 May 2024 Report of Changes in Share Ownership
36 064/S/01/COS-ATPI/V/2024 20 Mei 2024 OJK Perubahan Susunan Anggota Komite Nominasi dan Remunerasi
20 May 2024 Changes in Nomination and Remuneration Committee Members
37 065/S/01/COS-ATPI/V/2024 21 Mei 2024 KSEI Instruksi Pendistribusian Dividen Tunai TUGU
21 May 2024 Instruction for Cash Dividend Distribution TUGU
38 067/S/01/COS-ATPI/V/2024 28 Mei 2024 OJK Pelaporan Perubahan Kepemilikan Saham
28 May 2024 Report of Changes in Share Ownership
39 069/S/01/COS-ATPI/V/2024 28 Mei 2024 OJK, BEI Penyampaian Risalah Rapat Umum Pemegang Saham Tahunan
28 May 2024 PT Asuransi Tugu Pratama Indonesia Tbk.
Submission of Minutes of Annual General Meeting PT Asuransi Tugu
Pratama Indonesia Tbk.
40 070/S/01/COS-ATPI/VI/2024 3 Juni 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Mei 2024
3 June 2024 Foreign Currency Debt Report for the Period May 2024
41 071/S/01/COS-ATPI/VI/2024 5 Juni 2024 OJK, BEI Laporan Registrasi Efek Periode Mei 2024
5 June 2024 Securities Registration Report Period May 2024
42 075/S/01/COS-ATPI/VI/2024 10 Juni 2024 OJK Pelaporan Perubahan Kepemilikan Saham
10 June 2024 Report of Changes in Share Ownership
43 076/S/01/COS-ATPI/VI/2024 24 Juni 2024 OJK Pelaporan Perubahan Kepemilikan Saham
24 June 2024 Report of Changes in Share Ownership
44 082/S/01/COS-ATPI/VII/2024 3 Juli 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Juni 2024
3 July 2024 Foreign Currency Debt Report for the Period June 2024
45 083/S/01/COS-ATPI/VII/2024 5 Juli 2024 OJK, BEI Laporan Registrasi Efek Periode Juni 2024
5 July 2024 Securities Registration Report Period June 2024
46 093/S/01/COS-ATPI/VII/2024 22 Juli 2024 OJK, BEI Penyampaian Laporan Keuangan Interim 30 Juni 2024
22 July 2024 Submission of Interim Financial Statements as of 30 June 2024
47 095/S/01/COS-ATPI/VII/2024 29 Juli 2024 OJK Penyampaian Informasi Bukti Pengumuman Laporan Keuangan
29 July 2024 Tengah Tahunan
Information Disclosure on Announcement of the Mid Year Report
48 096/S/01/COS-ATPI/ 1 Agustus 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Juli 2024
VIII/2024 1 August 2024 Foreign Currency Debt Report for the Period July 2024
49 097/S/01/COS-ATPI/ 5 Agustus 2024 OJK, BEI Laporan Registrasi Efek Period Juli 2024
VIII/2024 5 August 2024 Securities Registration Report Period July 2024
50 099/S/01/COS-ATPI/ 19 Agustus 2024 OJK Penyampaian Informasi Mengenai Perubahan Komite Audit
VIII/2024 19 August 2024 Information Disclosure on Changes in Audit Committee
51 100/S/01/COS-ATPI/IX/2024 5 September OJK, BEI Laporan Registrasi Efek Periode Agustus 2024
2024 Securities Registration Report Period August 2024
52 102/S/01/COS-ATPI/IX/2024 2 September OJK Laporan Data Hutang dalam Valuta Asing Periode Agustus 2024
2024 Foreign Currency Debt Report for the Period August 2024
53 103/S/01/COS-ATPI/X/2024 4 Oktober 2024 OJK, BEI Laporan Registrasi Efek Periode September 2024
4 October 2024 Securities Registration Report Period September 2024
54 105/S/01/COS-ATPI/X/2024 2 Oktober 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode September 2024
2 October 2024 Foreign Currency Debt Report for the Period September 2024
55 107/S/01/COS-ATPI/X/2024 17 Oktober 2024 OJK Pelaporan Perubahan Kepemilikan Saham
17 October 2024 Report of Changes in Share Ownership
56 109/S/01/COS-ATPI/X/2024 22 Oktober 2024 OJK, BEI Penyampaian Laporan Keuangan Interim 30 September 2024
22 October 2024 Submission of Interim Financial Statements as of 30 September
2024
57 112/S/01/COS-ATPI/XI/2024 4 November 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode Oktober 2024
Foreign Currency Debt Report for the Period October 2024
58 113/S/01/COS-ATPI/XI/2024 5 November 2024 OJK, BEI Laporan Registrasi Efek Periode Oktober 2024
Securities Registration Report Period October 2024
59 115/S/01/COS-ATPI/XI/2024 11 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
60 117/S/01/COS-ATPI/XI/2024 19 November BEI Pemberitahuan Rencana Public Expose 2024
2024 Notice of Public Expose Plan 2024
61 119/S/01/COS-ATPI/XI/2024 20 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 373
Page 376
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
62 120/S/01/COS-ATPI/XI/2024 20 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
63 121/S/01/COS-ATPI/XI/2024 29 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
64 122/S/01/COS-ATPI/XI/2024 29 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
65 123/S/01/COS-ATPI/XI/2024 29 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
66 124/S/01/COS-ATPI/XI/2024 29 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
67 125/S/01/COS-ATPI/XI/2024 29 November OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
68 126/S/01/COS-ATPI/XI/2024 29 November BEI Penyampaian Materi Public Expose tahun 2024
2024 Submission of Public Expose Materials year 2024
69 151/S/01/COS-ATPI/XII/2024 5 Desember 2024 OJK, BEI Laporan Registrasi Efek Periode November 2024
5 December 2024 Securities Registration Report Period November 2024
70 153/S/01/COS-ATPI/XII/2024 6 Desember 2024 BEI Penyampaian Hasil Public Expose PT Asuransi Tugu Pratama
6 December 2024 Indonesia Tbk Tahun 2024
Submission of Public Expose Results PT Asuransi Tugu Pratama
Indonesia Tbk year 2024
71 154/S/01/COS-ATPI/XII/2024 6 Desember 2024 OJK Laporan Data Hutang dalam Valuta Asing Periode November 2024
6 December 2024 Foreign Currency Debt Report for the Period November 2024
72 155/S/01/COS-ATPI/XII/2024 6 Desember 2024 OJK, BEI Laporan Informasi atau Fakta Material
6 December 2024 Information or Material Fact Report
73 156/S/01/COS-ATPI/XII/2024 13 Desember OJK Perubahan Susunan Anggota Komite Pemantau Risiko
2024 Changes in Risk Oversight Committee Members
13 December
2024
74 157/S/01/COS-ATPI/XII/2024 18 Desember OJK Laporan Perubahan Kepemilikan Saham
2024 Share Ownership Change Report
18 December
2024
374 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 377
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5.E
Audit Internal
Internal Audit
Sesuai dengan Peraturan Otoritas Jasa Keuangan (“POJK”) In accordance with Financial Services Authority Regulation
No. 2/POJK.05/2014 tentang Tata Kelola Perusahaan (“POJK”) No. 2/POJK.05/2014 on Good Corporate
yang Baik bagi Perusahaan Perasuransian serta POJK No. Governance for Insurance Companies and POJK No. 56/
56/POJK.04/2015 tentang Pembentukan dan Pedoman POJK.04/2015 on the Formation and Guidelines for
Penyusunan Piagam Unit Audit Internal, Perseroan telah Formulating the Internal Audit Unit Charter, the Company
membentuk Internal Audit Group sebagai bagian dari has established the Internal Audit Group as part of its
sistem pengendalian internal. internal control system.
Internal Audit Group melakukan jasa assurance dan The Internal Audit Group provides independent and
konsultasi secara independen dan objektif, guna objective assurance and consulting services to add
memberikan nilai tambah bagi Perseroan. Fungsi ini value for the Company. This Function plays a key role in
berperan dalam mendukung Perseroan untuk mencapai supporting the Company in achieving its objectives through
tujuan melalui evaluasi dan peningkatan berkelanjutan evaluation and continuous improvement of corporate
(continuous improvement) atas tata kelola, manajemen governance, risk management, and internal control.
risiko, serta pengendalian internal Perseroan. Selain Additionally, Internal Audit serves as a strategic partner,
itu, Internal Audit juga berperan sebagai mitra strategis offering insights and recommendations to management
dalam memberikan insights dan rekomendasi kepada in corporate governance, risk management, and
manajemen dalam tata kelola, manajemen risiko, dan internal control.
pengendalian internal.
Dalam menjalankan tugas dan tanggung jawabnya, Internal In carrying out its duties and responsibilities, Internal
Audit mengacu pada International Professional Practices Audit adheres to the International Professional Practices
Framework® (IPPF) yang diterbitkan oleh The Institute of Framework® (IPPF) issued by The Institute of Internal
Internal Auditors (IIA) Auditors (IIA).
Struktur Organisasi dan Kedudukan Internal Audit Group
Organizational Structure and Position of the Internal Audit Group
Struktur organisasi Internal Audit Group per 31 Desember The organizational structure of Internal Audit Group as of
2024 adalah sebagai berikut: 31 December 2024, is as follows:
Presiden Direktur Komite Audit
President Director Audit Committee
Internal Audit Group Head
Anggota
Members
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 375
Page 378
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
1. Internal Audit Group dipimpin oleh Internal Audit Group 1. The Internal Audit Group is led by the Internal Audit
Head, yang diangkat dan diberhentikan langsung oleh Group Head, who is appointed and dismissed directly
Presiden Direktur setelah mendapat persetujuan by the President Director, subject to approval from the
Dewan Komisaris; Board of Commissioners;
2. Internal Audit Group Head bertanggung jawab penuh 2. The Internal Audit Group Head is fully and directly
dan langsung kepada Presiden Direktur; accountable to the President Director;
3. Internal Audit Group Head memiliki hubungan 3. The Internal Audit Group Head has an administrative
administrative reporting kepada Presiden Direktur dan reporting line to the President Director and a functional
functional reporting kepada Komite Audit; reporting line to the Audit Committee;
4. Setiap anggota Internal Audit Group bertanggung jawab 4. Each member of the Internal Audit Group reports
secara langsung kepada Internal Audit Group Head; directly to the Internal Audit Group Head;
5. Presiden Direktur dapat memberhentikan Internal Audit 5. The President Director may dismiss the Internal
Group Head setelah memperoleh persetujuan Dewan Audit Group Head, with approval from the Board of
Komisaris, apabila yang bersangkutan tidak memenuhi Commissioners, if the individual does not meet the
persyaratan sebagai Auditor Internal sebagaimana qualifications as an Internal Auditor, as stipulated
diatur dalam POJK No. 56/POJK.04/2015 dan/atau in POJK No. 56/POJK.04/2015, and/or fails or is
gagal atau tidak cakap dalam menjalankan tugasnya. deemed incompetent in carrying out their duties.
Profil Internal Audit Group Head
Internal Audit Group Head Profile
Berdasarkan Surat Keputusan Direksi No. 016/SKD/01/ Based on the Decree of the Board of Directors No. 016/
HCS-RTM/ATPI/II/2022 tanggal 10 Februari 2022, SKD/01/HCS-RTM/ATPI/II/2022 dated 10 February 2022,
Resti Setia Utari efektif menjabat sebagai Internal Audit Resti Setia Utari serves as the Internal Audit Group Head,
Group Head sejak 16 Februari 2022. Pengangkatan effective since 16 February 2022. The appointment of
Internal Audit Group Head telah disampaikan kepada the Internal Audit Group Head has been communicated
Otoritas Jasa Keuangan melalui Surat Keputusan Direksi to the Financial Services Authority through the Decree of
No. 016/SKD/01/HCS-RTM/ATPI/II/2022 tanggal 10 the Board of Directors No. 016/SKD/01/HCS-RTM/ATPI/
Februari 2022. II/2022 dated 10 February 2022.
Nama Resti Setia Utari
Name
Jabatan Internal Audit Group Head
Position
Masa Jabatan 16 Februari 2022-sekarang
Term of Office 16 February 2022-present
Kewarganegaraan Indonesia
Citizenship Indonesian
Usia 53 tahun
Age 53 years old
Domisili Jakarta
Domicile Jakarta
Pendidikan dan • Magister Management, Universitas Negeri Jakarta • Master of Management, Universitas Negeri Jakarta
Pelatihan • Sertifikasi Forensik Auditor • Certified Forensic Auditor (CFrA)
Education and Training • Sertifikasi Profesional Risk Management • Enterprise Risk Management Certified Professional
(ERMCP)
Riwayat Pekerjaan dan • Group Head Internal Audit sebagai tenaga • Group Head of Internal Audit at the Company, as
Rangkap Jabatan perbantuan dari PT Pertamina (Persero) the assistant staff from PT Pertamina (Persero)
Work History and (2022-sekarang) (2022-present)
Concurrent Position • Senior Auditor III Investigation Audit di PT Pertamina • Senior Auditor III Investigation Audit at PT Pertamina
(Persero) (2021 -2022) (Persero) (2021-2022).
• Finance & Business Support Internal Audit Manager • Manager at PT Pertamina Drilling Services Indonesia,
di PT Pertamina Drilling Services Indonesia, sebagai as the assistant staff from PT Pertamina (Persero)
tenaga perbantuan dari PT Pertamina (Persero) (2015-2020).
(2015-2020) • Auditor at PT Pertamina (Persero) (2011-2015)
• Auditor di Pertamina (Persero) (2011-2015) • Auditor at Osman Bing Satrio & Rekan, Deloitte
• Auditor di Kantor Akuntan Publik Osman Bing Satrio Touche Tohmatsu, Public Accountant (1997-2011)
& Rekan, Deloitte Touche Tohmatsu (1997-2011)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan Dewan Komisaris, Direksi, dan Pemegang Saham Utama/Pengendali.
Affiliation Relations Has no affiliation with the Board of Commissioners, Board of Directors, and Majority/Controlling Shareholders.
376 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Tugas dan Tanggung Jawab Internal Audit Group
Duties and Responsibilities of Internal Audit Group
Internal Audit Group memiliki tugas dan tanggung The Internal Audit Group has duties and responsibilities,
jawab diantaranya: amongst others:
1. Melaksanakan pengawasan atas kegiatan operasional 1. Conducting supervision on the Company’s operational
dan bisnis Perseroan melalui jasa assurance dan and business activities through the assurance and
konsultasi; advisory services;
2. Menyusun, mengusulkan, dan melaksanakan Program 2. Developing, proposing, and implementing the Annual
Kerja Pengawasan Tahunan (”PKPT”) yang disetujui Audit Plan (AAP), which is approved by the President
oleh Direktur Utama dan Komite Audit; Director and the Audit Committee;
3. Memastikan setiap kegiatan internal audit dilakukan 3. Ensuring that each internal audit activity is carried
dengan pengawasan yang memadai, didukung oleh out with adequate supervision, supported by audit
kertas kerja audit, serta memberikan rekomendasi, workpapers, and provides recommendations, advice,
saran, dan insight yang dapat diimplementasikan and insights that can be implemented by the auditee;
oleh auditee;
4. Melakukan pengujian dan evaluasi secara independen, 4. Independently and objectively conducting risk-based
objektif, dan berbasis risiko atas tata kelola, testing and evaluation of corporate governance, risk
manajemen risiko, pengendalian internal, serta management, internal control, and compliance with
kepatuhan atas ketentuan internal dan eksternal applicable internal and external regulations;
yang berlaku;
5. Memberikan rekomendasi untuk pengembangan 5. Providing recommendations for continuous
berkelanjutan (continuous improvement) atas tata improvement in corporate governance, risk
kelola, manajemen risiko, dan pengendalian internal; management, and internal control;
6. Berkoordinasi dengan Komite Audit dan Fungsi Internal 6. Coordinating with the Audit Committee and the Internal
Audit perusahaan induk Perseroan atas pelaksanaan Audit Function of the parent company regarding the
kegiatan audit internal; implementation of internal audit activities;
7. Melaporkan hasil internal audit kepada Direktur Utama, 7. Reporting internal audit results to the President
Direktur terkait, dan Komite Audit; Director, relevant Directors, and the Audit Committee;
8. Melakukan monitoring pemenuhan rekomendasi audit 8. Monitoring the fulfillment recommendations derived
internal dan eksternal, serta melaporkannya secara from internal and external audits, and reporting them
berkala kepada Direktur Utama, Direktur terkait, dan periodically to the President Director, relevant Directors,
Komite Audit; and the Audit Committee;
9. Berkoordinasi dengan auditor eksternal terkait 9. Coordinating with external auditors regarding the
pelaksanaan audit eksternal di Perseroan; execution of external audits within the Company;
10. Mengkoordinasikan pelaksanaan Whistleblowing System 10. Coordinating the implementation of the Whistleblowing
(WBS) di Perseroan, termasuk penerimaan pengaduan System (WBS) in the Company, including receiving
melalui kanal-kanal yang tersedia, tindak lanjut laporan, complaints through available channels, following up on
serta komunikasi dengan pihak-pihak yang relevan; reports, and communicating with relevant parties;
11. Melaporkan hasil kegiatan Internal Audit kepada 11. Reporting the results of Internal Audit activities to the
Presiden Direktur dan Komite Audit; President Director and the Audit Committee;
12. Melaksanakan tugas lain (ad hoc) yang diberikan 12. Carrying out other ad hoc assignments assigned by the
oleh Direksi, dan/atau Komite Audit secara objektif Board of Directors and/or the Audit Committee, in an
dan independen. objective and independent manner.
Piagam Internal Audit
Internal Audit Charter
Dalam menjalankan tugas dan tanggung jawabnya, Internal In carrying out its duties and responsibilities, the Internal
Audit Group berpedoman pada Piagam Audit Internal, Audit Group adheres to the Internal Audit Charter,
yang ditandatangani oleh Internal Audit Group Head, which was signed by the Internal Audit Group Head,
Presiden Direktur, dan Presiden Komisaris pada tanggal 7 President Director, and President Commissioner on
November 2022. 7 November 2022.
Piagam Internal Audit berisi Visi, Misi, Tujuan, dan Ruang The Internal Audit Charter contains Internal Audit’s Vision,
Lingkup, Prinsip, Kedudukan Independensi, Wewenang Mission, Objectives, and Scope, Principles, Position,
Tugas dan Tanggung Jawab, serta Standar Pelaksanaan. Independence, Authority, Duties and Responsibilities, as
well as Applicable Standards.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 377
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pedoman dan Standar Kerja Internal Audit
Internal Audit Guidelines and Work Standards
Selain Piagam Internal Audit, Internal Audit Group juga In addition to the Internal Audit Charter, the Internal Audit
berpedoman pada ketentuan-ketentuan berikut dalam Group also adheres to the following provisions in carrying
menjalankan tugas dan fungsinya, diantaranya: out its duties and functions, including:
1. Kode Etik Auditor Internal; 1. Code of Ethics for Internal Auditors;
2. Pedoman Pengelolaan Fungsi Internal Audit; 2. Guidelines for Managing the Internal Audit Function;
3. Pedoman Audit Investigasi; dan 3. Guidelines for Investigative Audits; and
4. International Professional Practices Framework® (IPPF) 4. International Professional Practices Framework® (IPPF)
yang diterbitkan oleh The Institute of Internal Auditors issued by The Institute of Internal Auditors (IIA).
(IIA).
Kualifikasi Anggota Internal Audit Group
Qualification of Internal Audit Group Members
Per 31 Desember 2024, Internal Audit Group terdiri dari 7 As of 31 December 2024, the Internal Audit
(tujuh) anggota, dengan komposisi sebagai berikut: Group consists of 7 (seven) members, with the
following composition:
Pangkat Jumlah
No.
Position Total
1. Group Head 1
2. Department Head 2
3. Senior Auditor 2
4. Junior Auditor 1
5. Staff 1
Total 7
Kualifikasi atau sertifikasi dari anggota Internal Audit Qualification or certification of Internal Audit Group
Group, antara lain: Members are, among others:
1. QIA (Qualified Internal Auditor); 1. QIA (Qualified Internal Auditor);
2. CIAE (Certified Internal Audit Executive); 2. CIAE (Certified Internal Audit Executive);
3. CIA (Certified Internal Auditor); 3. CIA (Certified Internal Auditor);
4. CACP (Certification in Audit Committee Practices); 4. CACP (Certification in Audit Committee Practices);
5. ERMCP (Enterprise Risk Management Certified 5. ERMCP (Enterprise Risk Management Certified
Professional); Professional);
6. CRMP (Certified Risk Management Professional); 6. CRMP (Certified Risk Management Professional);
7. CRMO (Certified Risk Management Officer); 7. CRMO (Certified Risk Management Officer);
8. CRP (Certified Risk Professional); 8. CRP (Certified Risk Professional);
9. CFrA (Certified Forensic Auditor); 9. CFrA (Certified Forensic Auditor);
10. CA (Chartered Accountant); 10. CA (Chartered Accountant);
11. AAIK (Ahli Asuransi Indonesia Kerugian); 11. AAIK (Indonesian General Insurance Expert);
12. AAAIK (Ajun Ahli Asuransi Indonesia Kerugian). 12. AAAIK (Associate Indonesian General Insurance
Expert).
Pengembangan Kompetensi Internal Audit Group
Competency Development of the Internal Audit Group
Perseroan memberikan kesempatan dan dukungan The Company provides opportunities and support
bagi anggota Internal Audit Group untuk meningkatkan for Internal Audit Group members to enhance their
kompetensi melalui berbagai pelatihan dan program competencies through various training programs and
pendidikan baik yang diselenggarakan oleh pihak internal educational courses, both conducted by internal and
maupun eksternal. Berikut pelatihan-pelatihan yang diikuti external parties. Below are the training programs attended
anggota Internal Audit Group selama tahun 2024: by Internal Audit Group members throughout 2024:
378 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
Page 381
05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Jabatan Tanggal Tempat Subjek Penyelenggara
Name Position Date Place Subject Organizer
Resti Setia Utari Group Head 5, 7, dan 12 Februari Bandung ERM Fundamentals CRMS
2024
5, 7, and 12 February
2024
Group Head 4-5 Juli 2024 Banyuwangi Global Internal Audit Standard: IIA Indonesia
4-5 July 2024 Journey for The Future of Internal
Audit Function to Creating Value
Brian Anugerah Department Head 9-11 September 2024 Bandung Pelatihan Internal Control over PT Pertamina
Financial Reporting (ICoFR) (Persero)
Arfan Aryanto Department Head 19-20 Desember 2024 Jakarta Pelatihan Internal Control over PT Pertamina
Dalimunthe 19-20 December 2024 Financial Reporting (ICoFR) (Persero)
Linah Senior Auditor 19-21 Juni 2024 Jakarta Upskilling Internal Auditor ISO PT Pertamina
19-21 June 2024 9001:2015; ISO 14001:2015; ISO (Persero)
45001:2018 & ISO 37001:2016 –
Cross Function Internal Auditor (CFIA)
Senior Auditor 19-20 Desember 2024 Jakarta Pelatihan Internal Control over PT Pertamina
19-20 December 2024 Financial Reporting (ICoFR) (Persero)
Erlina Senior Auditor 4-5 Juli 2024 Banyuwangi Global Internal Audit Standard: IIA Indonesia
Septiyaningrum 4-5 July 2024 Journey for The Future of Internal
Audit Function to Creating Value
Silvya Eka Safitri Junior Auditor 4-5 Juli 2024 Banyuwangi Global Internal Audit Standard: IIA Indonesia
4-5 July 2024 Journey for The Future of Internal
Audit Function to Creating Value
Arib Esga Satryo Staff 4-5 Juli 2024 Banyuwangi Global Internal Audit Standard: IIA Indonesia
4-5 July 2024 Journey for The Future of Internal
Audit Function to Creating Value
Staff 16-17 Desember 2024 Jakarta Certified Risk Management Officer LSPMR
16-17 December 2024 (CRMO)
Pelaksanaan Rapat Internal Audit dengan Direksi dan/atau Komite Audit
Meeting Frequency of Internal Audit with the Board of Directors, and/or the Audit Committee
Frekuensi rapat dengan:
Nama Jabatan Frequency of Meeting with:
Name Position Direksi Komite Audit
Board of Directors Audit Committee
Resti Setia Utari Internal Audit Group Head 5 14
Pelaksanaan Kegiatan Internal Audit
Implementation of Internal Audit Activities
Selama tahun 2024, Internal Audit Group telah Throughout 2024, the Internal Audit Group has carried out
melaksanakan berbagai kegiatan, diantaranya: various activities, including:
1. Menyelesaikan seluruh penugasan sesuai dengan 1. Completing all assignments in accordance with the
Program Kerja Pengawasan Tahunan (“PKPT”); Annual Audit Plan (“AAP”);
2. Melakukan kegiatan-kegiatan konsultansi secara 2. Conducting consulting activities in an objective and
objektif dan independen; independent manner;
3. Melakukan monitoring pemenuhan rekomendasi audit 3. Regularly monitoring the fulfillment of
internal dan eksternal secara berkala; recommendations on internal and external
audit recommendations;
4. Menerima dan menindaklanjuti laporan-laporan yang 4. Receiving and following up on reports submitted
diterima melalui kanal-kanal whistleblowing; through the whistleblowing channels;
5. Melakukan sharing session terkait anti-fraud dan 5. Conducting anti-fraud and whistleblowing system
whistleblowing system kepada para pekerja Perseroan awareness sharing session for employees of the
dan anak perusahaan; Company and its subsidiaries;
6. Menjadi counterpart atas pelaksanaan audit yang 6. Acting as a counterpart for audits conducted by Public
dilakukan oleh Kantor Akuntan Publik dan Regulator. Accounting Firms and Regulators.
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Management Discussion and Analysis
5.F
Auditor Eksternal
External Auditor
Sebagai perusahaan terbuka perasuransian yang diatur As a publicly listed insurance company regulated and
dan diawasi oleh Otoritas Jasa Keuangan, Tugu Insurance supervised by the Financial Services Authority, Tugu
memerlukan auditor eksternal untuk menyusun dan Insurance requires an external auditor to prepare and
menyajikan informasi keuangan yang berkualitas. Untuk present quality financial information. Therefore, in fulfilling
itu, dalam pelaksanaan tugas audit keuangan tahunan, its annual financial audit duties, Tugu Insurance engages
Tugu Insurance menggunakan jasa Kantor Akuntan the services of a Public Accounting Firm (“KAP”) and
Publik (“KAP”) dan akuntan publik dari pihak eksternal public accountants from an independent external party to
independen untuk mendapatkan kredibilitas penilaian yang obtain a credible and accountable assessment.
dapat dipertanggungjawabkan.
Akuntan publik merupakan organ eksternal Perseroan yang Public accountants serve as external entities for the
berfungsi memberikan opini terkait kesesuaian penyajian Company, responsible for providing opinions on the
laporan keuangan Perseroan terhadap Standar Akuntansi conformity of the Company’s financial statements with
Keuangan (SAK) yang berlaku di Indonesia. Keberadaan the applicable Financial Accounting Standards (SAK)
akuntan publik diatur melalui Peraturan OJK No. 13/ in Indonesia. The presence of public accountants is
POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik governed by the Financial Services Authority (OJK)
dan Kantor Akuntan Publik dalam Kegiatan Jasa Keuangan. Regulation No. 13/POJK.03/2017 concerning the Use of
Public Accountant Services and Public Accounting Firms in
Financial Service Activities.
Penunjukan Kantor Akuntan Publik
Appointment of Public Accountant Firm
Tugu Insurance menetapkan Kantor Akuntan Publik (KAP) Tugu Insurance appoints a Public Accountant Firm (KAP)
melalui RUPS Tahunan berdasarkan rekomendasi dari through the Annual General Meeting of Shareholders
Dewan Komisaris dan Komite Audit, dengan mengacu pada (GMS) based on the recommendations of the Board of
ketentuan peraturan perundang-undangan yang berlaku Commissioners and the Audit Committee, in accordance
di antaranya Undang-undang No. 40 Tahun 2007 tentang with the provisions of prevailing laws and regulations,
Perseroan Terbatas, Peraturan OJK No. 73/POJK.05/2016 including Law No. 40 of 2007 concerning Limited Liability
tentang Tata Kelola Perusahaan yang Baik bagi Companies, OJK Regulation No. 73/POJK.05/2016
Perusahaan Perasuransian, Peraturan Menteri Keuangan concerning Good Corporate Governance for Insurance
No. 17/PMK 01/2009 Pasal 3 ayat (11) tentang Jasa Companies, Regulation of the Minister of Finance No.
Akuntan Publik, dan Peraturan OJK No. 13/POJK.03/2017 17/PMK 01/2009 Article 3 paragraph (11) concerning
tentang Penggunaan Jasa Akuntan Publik dan Kantor Public Accountant Services, and OJK Regulation No. 13/
Akuntan Publik dalam Kegiatan Jasa Keuangan. POJK.03/2017 concerning the Use of Public Accountant
Services and Public Accountant Firms in Financial
Service Activities.
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Audited Report
Keputusan RUPS Tahunan Tahun Buku 2023 telah The resolutions of the Annual GMS for the Fiscal Year
memberikan pelimpahan kewenangan dan kuasa kepada 2023 delegated authority and power to the Company’s
Dewan Komisaris Perseroan untuk menetapkan KAP Board of Commissioners to appoint a Public Accountant
dalam melakukan pemeriksaan atas Laporan Keuangan Firm (KAP) to audit the Company’s Financial Statements
Perseroan untuk tahun buku yang berakhir pada tanggal for the financial year ending on 31 December 2024,
31 Desember 2024 berikut besaran nilai jasanya, including determining the service fees, in accordance
sesuai ketentuan dan peraturan yang berlaku, termasuk with the applicable rules and regulations. The Board
menunjuk KAP pengganti bilamana karena sebab apapun of Commissioners is also authorized to appoint a
juga berdasarkan ketentuan pasar modal di Indonesia replacement KAP if, for any reason, the appointed KAP is
apabila KAP yang ditunjuk tidak dapat melakukan unable to perform its duties according to the provisions
tugasnya, dengan kriteria bahwa KAP tersebut terdaftar of the capital market in Indonesia, with the criteria that
di Otoritas Jasa Keuangan, dengan terlebih dahulu the KAP is registered with the Financial Services Authority
mengkomunikasikan kepada Pemegang Saham Pengendali, (OJK), and with prior communication to the Controlling
dalam hal ini PT Pertamina (Persero). Shareholder, in this case, PT Pertamina (Persero).
Berdasarkan surat keputusan No. 36/S/KOM-ATPI/ Based on Decision Letter No. 36/S/KOM-ATPI/VI/2024
VI/2024 tanggal 4 Juni 2024, dari Dewan Komisaris dated 4 June 2024, from the Board of Commissioners
kepada Direksi perihal Tindak Lanjut atas Penetapan to the Board of Directors regarding the Follow-Up on
Kantor Akuntan Publik (KAP) Tahun Buku 2024, Dewan the Appointment of a Public Accounting Firm (KAP) for
Komisaris memutuskan untuk menetapkan Kantor Akuntan the Fiscal Year 2024, the Board of Commissioners
Publik (KAP) Amir Abadi Jusuf, Aryanto, Mawar, dan Rekan has decided to appoint the Public Accounting Firm
(Member of the RSM Network) untuk melakukan Audit (KAP) Amir Abadi Jusuf, Aryanto, Mawar, and Partners
Atas Laporan Keuangan Konsolidasian PT Asuransi Tugu (Member of the RSM Network) to conduct an audit of the
Pratama Indonesia Tbk dan Entitas Anak untuk Tahun Consolidated Financial Statements of PT Asuransi Tugu
Buku 2024. Pratama Indonesia Tbk and its Subsidiaries for the Fiscal
Year 2024.
Adapun Kantor Akuntan Publik dalam kurun waktu 5 (lima) The Public Accountant Firm in the last 5 (five) years is
tahun terakhir sebagai berikut. as follows.
Nama Fee Auditor (Tanpa
Tahun Kantor Akuntan Publik Akuntan PPN) Opini
Year Public Accountant Firm Accountant Auditor Fee (Excluded Opinion
Name Tax)
2024 Kantor Akuntan Publik (KAP) Amir Abadi Chairul Rp1.538.392.857,00 Laporan keuangan konsolidasian menyajikan
Jusuf, Aryanto, Mawar & Rekan Wismoyo secara wajar, dalam semua hal yang
material, posisi keuangan konsolidasian
Public Accounting Firm (KAP) Amir Abadi Grup per 31 Desember 2024, serta kinerja
Jusuf, Aryanto, Mawar & Partners keuangan dan arus kas konsolidasiannya
untuk tahun yang berakhir pada tanggal 31
Desember 2024, sesuai dengan Standar
Akuntansi Keuangan di Indonesia.
The consolidated financial statements
fairly present, in all material respects, the
consolidated financial position of the Group
as of 31 December 2024, as well as its
financial performance and consolidated
cash flows for the year ended 31 December
2024, in accordance with the Indonesian
Financial Accounting Standards.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama Fee Auditor (Tanpa
Tahun Kantor Akuntan Publik Akuntan PPN) Opini
Year Public Accountant Firm Accountant Auditor Fee (Excluded Opinion
Name Tax)
2023 Amir Abadi Jusuf, Aryanto, Mawar, dan Bimo Imam Rp1.480.000.000 Laporan keuangan konsolidasian menyajikan
Rekan (Member of the RSM Network) Santoso secara wajar, dalam semua hal yang
material, posisi keuangan konsolidasian
Amir Abadi Jusuf, Aryanto, Mawar, and Grup per 31 Desember 2023, serta kinerja
Partner (Member of the RSM Network) keuangan dan arus kas konsolidasiannya
untuk tahun yang berakhir pada tanggal 31
Desember 2023, sesuai dengan Standar
Akuntansi Keuangan di Indonesia.
The consolidated financial statements
present fairly, in all material respects,
the consolidated financial position of the
Group as of 31 December 2023, and the
consolidated financial performance and
cash flows for the year ended 31 December
2023, in accordance with Indonesian
Financial Accounting Standards.
2022 Amir Abadi Jusuf, Aryanto, Mawar, dan Bimo Imam Rp1.520.000.000 Laporan keuangan konsolidasian menyajikan
Rekan (Member of the RSM Network) Santoso secara wajar, dalam semua hal yang
material, posisi keuangan konsolidasian
Amir Abadi Jusuf, Aryanto, Mawar, and Grup per 31 Desember 2022, serta kinerja
Partner (Member of the RSM Network) keuangan dan arus kas konsolidasiannya
untuk tahun yang berakhir pada tanggal 31
Desember 2022, sesuai dengan Standar
Akuntansi Keuangan di Indonesia.
The consolidated financial statements
present fairly, in all material respects,
the consolidated financial position of the
Group as of 31 December 2022, and the
consolidated financial performance and
cash flows for the year ended 31 December
2022, in accordance with Indonesian
Financial Accounting Standards.
2021 KAP Purwantono, Sungkoro & Surja Muhammad Rp1.650.000.000 Laporan konsolidasian menyajikan secara
(firma anggota Ernst & Young Global Kurniawan wajar, dalam semua hal yang material,
Limited). posisi keuangan konsolidasian PT Asuransi
Tugu Pratama Indonesia Tbk dan entitas
KAP Purwantoro, Sungkoro & Surja anaknya, serta kinerja keuangan dan arus
(member firm of Ernst & Young Global kas konsolidasiannya untuk tahun buku
Limited). yang bersangkutan, sesuai dengan Standar
Akuntansi Keuangan di Indonesia.
The consolidated statements present fairly,
in all material respects, the consolidated
financial position of PT Asuransi Tugu
Pratama Indonesia Tbk and its subsidiaries,
as well as the consolidated financial
performance and cash flows for the
fiscal year concerned, in accordance with
Indonesian Financial Accounting Standards.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Nama Fee Auditor (Tanpa
Tahun Kantor Akuntan Publik Akuntan PPN) Opini
Year Public Accountant Firm Accountant Auditor Fee (Excluded Opinion
Name Tax)
2020 KAP Purwantono, Sungkoro & Surja Muhammad Rp1.500.000.000 Laporan konsolidasian menyajikan secara
(firma anggota Ernst & Young Global Kurniawan wajar, dalam semua hal yang material,
Limited). posisi keuangan konsolidasian PT Asuransi
Tugu Pratama Indonesia Tbk dan entitas
KAP Purwantoro, Sungkoro & Surja anaknya, serta kinerja keuangan dan arus
(member firm of Ernst & Young Global kas konsolidasiannya untuk tahun buku
Limited). yang bersangkutan, sesuai dengan Standar
Akuntansi Keuangan di Indonesia.
The consolidated statements present fairly,
in all material respects, the consolidated
financial position of PT Asuransi Tugu
Pratama Indonesia Tbk and its subsidiaries,
as well as the consolidated financial
performance and cash flows for the
fiscal year concerned, in accordance with
Indonesian Financial Accounting Standards.
Lingkup Pekerjaan
Scope of Work
Adapun biaya jasa Kantor Akuntan Publik untuk Tugu The services fee of the Public Accountant Firm for Tugu
Insurance tahun 2024 tersebut meliputi cakupan Insurance in 2024 includes the following work coverage:
pekerjaan sebagai berikut:
1. Laporan Keuangan Konvensional; 1. Conventional Financial Statements;
2. Laporan Keuangan Syariah; 2. Sharia Financial Statements;
3. Review Perhitungan RBC Konvensional; dan 3. Review of Conventional RBC Calculation; and
4. Review Perhitungan RBC Syariah. 4. Review of Sharia RBC Calculation.
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
6.
Sistem Pengendalian Internal
Internal Control System
Sistem Pengendalian Internal merupakan elemen The Internal Control System is a fundamental element of
fundamental dalam aktivitas bisnis Perseroan. Sistem the Company’s business activities. It is a process involving
Pengendalian Internal adalah suatu proses, yang the Board of Commissioners, the Board of Directors, and
melibatkan Dewan Komisaris, Direksi, dan para pekerja di employees, designed to provide reasonable assurance
Perseroan, yang dirancang untuk memberikan keyakinan regarding the achievement of objectives related to
yang memadai (reasonable assurance) mengenai operations, reporting, and compliance.
pencapaian tujuan yang berkaitan dengan operasi,
pelaporan, dan kepatuhan.
Sistem Pengendalian Internal dilaksanakan dengan tujuan The Internal Control System is implemented to ensure
untuk memastikan bahwa aktivitas bisnis Perseroan that the Company’s business activities are carried out in
dilaksanakan sesuai dengan peraturan dan ketentuan accordance with applicable laws and regulations, as well
yang berlaku, serta memastikan bahwa risiko-risiko pada as to ensure that risks associated with business activities
aktivitas-aktivitas bisnis Perseroan telah termitigasi are adequately mitigated.
dengan memadai.
Kerangka Pengendalian Internal
Internal Control Framework
Seluruh pekerja memiliki peran dan tanggung jawab All employees have roles and responsibilities in the
masing-masing dalam pelaksanaan Sistem Pengendalian implementation of the Company’s Internal Control System,
Internal di Perseroan, dengan dukungan yang kuat dari with strong support from the Board of Directors and the
Direksi dan Dewan Komisaris. Peran dan tanggung jawab Board of Commissioners. These roles and responsibilities
tersebut terpetakan dalam Model Tiga Lini (Three-Lines are mapped within the Three-Lines Model, which the
Model) yang diadopsi oleh Perseroan, sebagai berikut: Company has adopted, as follows:
1. Lini Pertama – Merupakan tanggung jawab seluruh 1. First Line – The responsibility of all business units that
unit kerja yang menjalankan kegiatan bisnis Perseroan. carry out the Company’s business activities. Internal
Pengendalian internal pada lini ini bersifat preventif, control at this level is preventive, implemented through
yang dilakukan dengan melaksanakan ketentuan compliance with applicable internal and external
internal dan eksternal yang berlaku serta melibatkan regulations, as well as consultation and communication
konsultasi dan komunikasi dengan lini kedua, ketiga, with the second line, third line, and/or relevant
dan/atau direksi terkait guna memastikan kepatuhan directors to ensure compliance and the effectiveness
dan efektivitas pelaksanaan kegiatan bisnis Perseroan. of business operations.
2. Lini Kedua – Merupakan tanggung jawab unit kerja yang 2. Second Line – The responsibility of units performing
menjalankan fungsi kepatuhan dan manajemen risiko. compliance and risk management functions. Internal
Pengendalian internal pada lini ini bersifat detektif, control at this level is detective, carried out through
dilakukan melalui pemantauan kepatuhan terhadap monitoring compliance with applicable internal
ketentuan internal dan eksternal yang berlaku serta and external regulations, as well as managing
pengelolaan risiko Perseroan. enterprise risk.
3. Lini Ketiga – Merupakan tanggung jawab unit kerja 3. Third Line – The responsibility of units performing
yang menjalankan fungsi internal audit. Pengendalian the internal audit function. Internal control at this
internal pada lini ini bersifat direktif, dengan fokus level is directive, focusing on independent, objective,
pada evaluasi yang bersifat independen, objektif, and risk-based evaluations to identify areas for
dan berbasis risiko untuk mengidentifikasi area of improvement in governance, risk management, and
improvement pada tata kelola, pengelolaan risiko, dan internal control. It also provides recommendations
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Audited Report
pengendalian internal Perseroan, serta memberikan for enhancements or refinements as part of the
rekomendasi perbaikan atau penyempurnaan dalam continuous improvement process.
rangka pengembangan berkelanjutan (continuous
improvement).
Komponen-komponen Sistem Pengendalian Internal Components of Internal Control System includes:
Perseroan mencakup:
1. Lingkungan Pengendalian 1. Control Environment
Lingkungan Pengendalian adalah serangkaian Control Environment is a set of standards, process,
standar, proses, dan struktur yang secara menyeluruh and structures that pervasively affects the system of
memengaruhi sistem pengendalian internal. internal control. The control environment sets the tone
Lingkungan pengendalian menetapkan tone atau of an entity and influences the control consciousness
budaya dalam suatu entitas serta membentuk of personnel. It is the foundation for all other
kesadaran akan pengendalian di seluruh tingkat components of internal control, providing discipline
organisasi. Lingkungan pengendalian berfungsi sebagai and structure.
pondasi utama bagi seluruh komponen pengendalian
internal lainnya, memberikan disiplin dan struktur
dalam penerapannya.
Perseroan membentuk lingkungan pengendalian yang The Company establishes a strong control environment
baik diantaranya dengan: through the following measures:
a. Penandatanganan Pakta Integritas oleh Direksi, a. Signing of an Integrity Pact by the Board of
Dewan Komisaris, dan seluruh pekerja; Directors, Board of Commissioners, and
b. Penandatanganan komitmen penerapan Pedoman all employees;
Etika Usaha dan Tata Perilaku (Code of Conduct – b. Signing of a commitment to implement the Code of
CoC) oleh seluruh Pekerja Conduct (CoC) by all employees;
c. Penandatanganan Komitmen penerapan Pedoman c. Signing of a commitment to implement the Conflict
Konflik Kepetingan (Conflict of Interest – CoI) oleh of Interest (CoI) Guidelines by all employees;
seluruh Pekerja d. Establishing an organizational structure and
d. Pembentukan struktur organisasi serta reporting lines designed to optimize the Company’s
jalur pelaporan yang dirancang untuk dapat operational activities;
mengoptimalkan kegiatan operasional Perseroan; e. Corporate culture valueswhich are aligned with
e. Nilai-nilai budaya kerja yang selaras dengan core the AKHLAK core values (Trustworthy, Competent,
values AKHLAK (Amanah, Kompeten, Harmonis, Harmonious, Loyal, Adaptive, Collaborative).
Loyal, Adaptif, Kolaboratif).
2. Penilaian Risiko 2. Risk Assessment
Penilaian risiko adalah identifikasi dan analisis risiko Risk assessment is the identification and analysis
yang relevan terhadap pencapaian tujuan Perseroan. of relevant risks to achievement of the Company’s
Proses penilaian risiko mencakup penilaian risiko itu objective. The risk assessment process encompasses
sendiri dan kebutuhan untuk mengelola perubahan an assessment of the risks themselves and the
organisasi. Proses ini merupakan dasar untuk need to manage organizational change. This process
menentukan bagaimana risiko dikelola. is a basis for determining how the risks should
be managed.
Perseroan telah melakukan penilaian risiko di semua The Company has conducted risk assessments across
unit kerja, yang dikoordinasikan oleh fungsi Enterprise all business units, coordinated by Enterprise Risk
Risk Management (“ERM”). Management (“ERM”) function.
Penilaian ini mencakup: This assessment includes:
a. Menetapkan penerimaan risiko (risk appetite dan a. Determining risk acceptance levels (risk appetite
risk tolerance); and risk tolerance);
b. Mengukur risiko berdasarkan dampak dan b. Measuring risks based on impact and probability,
probabilitas, yang dituangkan dalam matriks risiko which are documented in a risk matrix for each
untuk setiap fungsi dalam organisasi; function within the organization;
c. Menetapkan strategi mitigasi risiko yang tepat. c. Establishing appropriate risk mitigation strategies.
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Management Discussion and Analysis
3. Aktivitas Pengendalian 3. Control Activities
Aktivitas pengendalian merupakan kebijakan Control activities are the policies and procedures that
dan prosedur yang dirancang untuk memastikan help ensure management directives are carried out.
bahwa arahan manajemen terlaksana dengan baik. They are applied at various levels of the entity and
Aktivitas ini diterapkan pada berbagai tingkat dalam stages of process. They may be preventive or detective,
entitas serta di berbagai tahapan proses. Aktivitas and segregation of duties is present.
pengendalian dapat bersifat preventif maupun detektif,
dan mencakup pemisahan tugas (segregation of
duties).
Perseroan telah membuat dan menerapkan Sistem The Company has developed and implement Work
Tata Kerja (“STK”) yang mencakup Pedoman serta System (“STK”), which includes guidelines and
Prosedur yang mengatur proses bisnis Perseroan, yang procedures governing the Company’s business
diperbarui secara berkala untuk memastikan relevansi processes, regularly updated to ensure relevance
dan efektivitasnya. and effectiveness.
4. Informasi dan Komunikasi 4. Information and Communication
Informasi yang relevan harus diidentifikasi, Pertinent information must be identified, captured, and
dikumpulkan, dan dikomunikasikan dalam bentuk communicated in a form and timeframe that enable
dan waktu yang memungkinkan setiap individu people to carry out their responsibilities. Information
menjalankan tugas dan tanggung jawabnya secara system enable the organization to obtain, generate,
efektif. Sistem informasi memungkinkan organisasi use, and communicate information.
untuk memperoleh, menghasilkan, menggunakan, dan
mengomunikasikan informasi.
Dalam hal informasi dan komunikasi, Perseroan In terms of information and communication, the
telah mengimplementasikan: Company has implemented the following:
a. Core Insurance System dan Enterprise Resource a. Core Insurance System and Enterprise Resource
Planning (“ERP”) untuk menghasilkan informasi Planning (ERP) to generate operational and financial
operasional dan keuangan untuk menudukung information in support of internal control;
pengendalian internal;
b. Media komunikasi internal untuk b. Internal communication channels to disseminate
mengkomunikasikan informasi yang relevan bagi relevant information to employees, including via
para pekerja Perseroan, baik melalui email maupun email and the Company Portal;
portal Perseroan (company portal);
c. Mekanisme pelaporan ke pihak eksternal c. Reporting mechanisms to relevant external parties
yang relevan (seperti auditor eksternal dan (such as external auditors and regulators) for
regulator) atas informasi terkait dengan information related to internal control.
pengendalian internal.
5. Aktivitas Pengawasan 5. Monitoring Activities
Sistem pengendalian dan cara penerapannya Control systems and the way controls are applied
dapat berubah seiring waktu. Pemantauan adalah change over time. Monitoring is a process that assess
proses yang bertujuan untuk menilai kualitas kinerja the quality of internal control performance over time
pengendalian internal secara berkelanjutan, guna to ensure that controls continue to meet the needs of
memastikan bahwa pengendalian tetap efektif dan the Company.
sesuai dengan kebutuhan Perseroan.
Pengawasan atas Sistem Pengendalian Internal Monitoring of the Internal Control System among
dilakukan diantaranya dengan: others, by carrying out:
a. Kegiatan Internal Audit yang independen, objektif, a. Independent, objective, and risk-based Internal
serta berbasis risiko; Audit activities;
b. Rapat berkala antara Dewan Komisaris dan b. Regular meetings between the Board of
Direksi, untuk memastikan bahwa manajemen Commissioners and the Board of Directors
melaksanakan tanggung jawabnya secara efektif; to ensure that management fulfills its
responsibilities effectively;
c. Rapat berkala antara Internal Audit Group dan c. Regular meetings between the Internal Audit Group
Komite Audit, sebagai bagian dari pengawasan and the Audit Committee, as part of the oversight
terhadap kegiatan Perseroan. of the Company’s activities.
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Corporate Social Responsibility 07 Laporan Keuangan
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Tinjauan atas Efektivitas Pengendalian Internal
Review of Internal Control Effectiveness
Manajemen mendorong dilakukannya evaluasi atas Management encourages continuous evaluations of
penerapan Pengendalian Internal secara berkelanjutan. Internal Control implementation. The Internal Audit
Fungsi Internal Audit bertanggung jawab untuk melakukan function is responsible for assessing and evaluating the
evaluasi dan penilaian terhadap penerapan Pengendalian effectiveness of Internal Control implementation, as well
Internal, serta melakukan pemantauan perbaikan atau as monitoring corrective actions or follow-ups on internal
tindak lanjut rekomendasi audit internal dan eksternal. and external audit recommendations. This evaluation is
Evaluasi ini dilakukan untuk: conducted to:
1. Memberikan keyakinan yang memadai (reasonable 1. Provide reasonable assurance to the Board of Directors
assurance) kepada Direksi dan para pemangku and stakeholders regarding the adequacy of the
kepentingan mengenai kecukupan penerapan Company’s Internal Control implementation, both in
Pengendalian Internal Perseroan, baik dalam hal operational and financial aspects;
operasional maupun keuangan;
2. Memberikan rekomendasi untuk perbaikan 2. Offer recommendations for continuous improvement
berkelanjutan (continuous improvement) atas in the implementation of Internal Control within
penerapan Pengendalian Internal di Perseroan. the Company.
Perseroan, dalam hal ini Internal Audit Group, telah The Company, through the Internal Audit Group, has
melakukan evaluasi berbasis risiko terhadap efektivitas conducted a risk-based evaluation of Internal Control
Pengendalian Internal, dan menghasilkan rekomendasi- effectiveness, resulting in recommendations aimed at
rekomendasi yang diharapkan dapat memberikan nilai enhancing the Company’s Internal Control as part of its
tambah bagi Pengendalian Internal Perseroan sebagai continuous improvement initiatives.
bentuk perbaikan berkelanjutan (continuous improvement).
Pernyataan Direksi atas Kecukupan Pengendalian Internal
Statement of the Board of Directors on the Adequacy of Internal Control
Manajemen telah melakukan evaluasi terhadap efektivitas Management has conducted an evaluation of the
Pengendalian Internal, dengan mempertimbangkan effectiveness of Internal Control, taking into account
hasil audit internal dan eksternal, beserta rekomendasi- the findings and recommendations from both internal
rekomendasinya. Berdasarkan evaluasi yang dilakukan and external audits. Based on the evaluation carried
sepanjang tahun 2024, Manajemen menilai bahwa sistem out throughout 2024, Management concludes that the
Pengendalian Internal yang diterapkan telah memadai implemented Internal Control System is adequate in
dalam mendukung efektivitas operasional, mitigasi risiko, supporting operational effectiveness, risk mitigation, and
serta kepatuhan terhadap peraturan yang berlaku. compliance with applicable regulations.
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
7.
Kebijakan Manajemen Risiko
Risk Management Policies
Manajemen Risiko
Internal Control System
Manajemen Risiko memegang peran krusial dalam Risk management plays a vital role in ensuring the
menjaga keberlangsungan usaha dengan menghadapi continuity of the Company’s business activities, enabling
berbagai risiko yang harus dikelola secara terencana, it to address various risks through a planned, systematic,
sistematis, dan terstruktur. Budaya Manajemen Risiko and structured approach. It represents a culture where
ini melibatkan proses dan struktur yang dirancang untuk processes and structures are aligned to effectively manage
mengelola peluang potensial dan dampak merugikan potential opportunities and mitigate adverse impacts.
secara efektif.
Untuk meminimalkan potensi kerugian sekaligus To minimize potential losses while maximizing the
memaksimalkan peluang pencapaian tujuan, Tugu achievement of targets, Tugu Insurance integrates
Insurance mengintegrasikan Manajemen Risiko ke dalam Risk Management into its business and operational
aktivitas bisnis dan operasional Perseroan. Pendekatan activities. This approach is guided by the principles of
ini dilakukan dengan menerapkan prinsip kehati-hatian, prudence, Corporate Governance, and compliance with
Tata Kelola Perusahaan yang baik, serta mekanisme yang regulatory provisions.
sesuai dengan regulasi yang ditetapkan oleh Regulator.
Keberhasilan pengelolaan risiko memerlukan kerja Achieving the Company’s goals requires collaboration
sama dari seluruh pihak internal Perseroan. Proses ini among all internal stakeholders. The risk management
merupakan bagian integral dari pengawasan internal process is an integral part of internal oversight, involving
yang melibatkan Dewan Komisaris, Dewan Pengawas the Board of Commissioners, Sharia Supervisory
Syariah, Direksi, Manajemen Senior, hingga seluruh Board, Board of Directors, Senior Management, and
lapisan Karyawan. all employees.
Dasar Hukum Penerapan Manajemen Risiko
Legal Basis for Risk Management Implementation
Landasan hukum dalam penerapan Manajemen Risiko The legal basis for the implementation of risk management
mencakup beberapa peraturan yang ditetapkan oleh includes the following regulations:
Otoritas Jasa Keuangan (OJK), antara lain:
1. Peraturan OJK No. 69/POJK.05/2016 (28 Desember 1. Financial Services Authority Regulation No. 69/
2016) tentang Penyelenggaraan Usaha Perusahaan POJK.05/2016 (28 December 2016) concerning the
Asuransi, Asuransi Syariah, Reasuransi, dan Business Conduct of Insurance Companies, Sharia
Reasuransi Syariah; Insurance Companies, Reinsurance Companies, and
Sharia Reinsurance Companies;
2. Peraturan OJK No. 73/POJK.05/2016 (28 Desember 2. Financial Services Authority Regulation No. 73/
2016) tentang Tata Kelola Perusahaan yang Baik bagi POJK.05/2016 (28 December 2016) concerning Good
Perusahaan Perasuransian; Corporate Governance for Insurance Companies;
3. Peraturan OJK No. 44/POJK.05/2020 (28 Agustus 3. Financial Services Authority Regulation No. 44/
2020) tentang Penerapan Manajemen Risiko Bagi POJK.05/2020 (28 August 2020) concerning the
Lembaga Jasa Keuangan Non-Bank; Implementation of Risk Management at Non-Bank
Financial Service Institutions;
4. Surat Edaran OJK No. 8/SEOJK.05/2021 (5 Februari 4. Financial Services Authority Circular Letter No. 8/
2021) tentang Penerapan Manajemen Risiko untuk SEOJK.05/2021 (5 February 2021) concerning the
Perusahaan Asuransi, Asuransi Syariah, Reasuransi, Implementation of Risk Management at Insurance
dan Reasuransi Syariah; Companies, Sharia Insurance Companies, Reinsurance
Companies, and Sharia Reinsurance Companies;
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
5. Peraturan OJK No. 28/POJK.05/2020 (22 April 2020) 5. Financial Services Authority Regulation No. 28/
tentang Penilaian Tingkat Kesehatan Lembaga Jasa POJK.05/2020 (22 April 2020) concerning the
Keuangan Non-Bank; Assessment of the Soundness of Non-Bank Financial
Service Institutions;
6. Peraturan OJK No. 4/POJK.05/2021 (9 Maret 6. Financial Services Authority Regulation No. 4/
2021) tentang Penerapan Manajemen Risiko dalam POJK.05/2021 (9 March 2021) concerning the
Penggunaan Teknologi Informasi oleh Lembaga Jasa Application of Risk Management in the Use of
Keuangan Non-Bank; Information Technology by Non-Bank Financial
Services Institutions;
7. Surat Edaran OJK No. 22/SEOJK.05/2021 (24 Agustus 7. Financial Services Authority Circular Letter No. 22/
2021) tentang Penerapan Manajemen Risiko dalam SEOJK.05/2021 (24 August 2021) concerning the
Penggunaan Teknologi Informasi oleh Lembaga Jasa Implementation of Risk Management in the Use
Keuangan Non-Bank; of Information Technology by Non-Bank Financial
Services Institutions;
8. Surat Edaran OJK No. 1/SEOJK.05/2021 (15 8. Financial Services Authority Circular Letter No. 1/
Januari 2021) tentang Penilaian Tingkat Kesehatan SEOJK.05/2021 (15 January 2021) concerning the
Perusahaan Asuransi, Asuransi Syariah, Reasuransi, Assessment of the Soundness Level of Insurance
dan Reasuransi Syariah; Companies, Sharia Insurance Companies, Reinsurance
Companies, and Sharia Reinsurance Companies;
9. Peraturan OJK No. 17/POJK.03/2014 (18 November 9. Financial Services Authority Regulation No. 17/
2014) tentang Penerapan Manajemen Risiko POJK.03/2014 (18 November 2014) concerning the
Terintegrasi Bagi Konglomerasi Keuangan; Implementation of Integrated Risk Management for
Financial Conglomerates;
10. Surat Edaran OJK No. 14/SEOJK.03/2015 (25 10. Financial Services Authority Circular Letter No. 14/
Mei 2015) tentang Penerapan Manajemen Risiko SEOJK.03/2015 (25 May 2015) concerning the
Terintegrasi Bagi Konglomerasi Keuangan; Implementation of Integrated Risk Management for
Financial Conglomerates;
11. Peraturan Kementrian BUMN No. 02 Tahun 2023 11. Ministry of BUMN Regulation No. 02 of 2023
(03 Maret 2023) tentang Pedoman Tata Kelola (03 March 2023) concerning Guidelines for
dan Kegiatan Korporasi Signifikan Badan Usaha Governance and Significant Corporate Activities of
Milik Negara; State-Owned Enterprises;
12. Peraturan OJK No. 08/POJK.05/2023 (14 Juni 2023) 12. Financial Services Authority Regulation Regulation
tentang Penerapan Program Anti Pencucian Uang, No. 08/POJK.05/2023 (14 June 2023) concerning
Pencegahan Pendanaan Terorisme dan Pencegahan Implementation of Anti-Money Laundering Programs,
Pendanaan Proliferasi Senjata Pemusnah Massal; Prevention of Terrorism Financing and Prevention
of Funding for the Proliferation of Weapons of
Mass Destruction;
13. Peraturan OJK No. 45/POJK.03/2020 (14 Oktober 13. Financial Services Authority Regulation Regulation no.
2020) tentang Konglomerasi Keuangan. 45/POJK.03/2020 (14 October 2020) concerning
Financial Conglomerates.
Dalam penerapan Manajemen Risiko secara konsolidasi In the implementation of Risk Management on a
dengan Perusahaan anak, cucu, dan afiliasi, Perseroan consolidated basis with its subsidiaries, sub-subsidiaries,
berperan sebagai Perusahaan induk dalam Konsolidasi and affiliates, the Company acts as the holding company
Tugu Grup. Dalam hal penerapan Manajemen Risiko within the Tugu Group consolidation. In the context of
Terintegrasi di grup Pertamina, di mana PT Pertamina Integrated Risk Management implementation within
(Persero) bertindak sebagai Entitas Utama, Perseroan the Pertamina Group, where PT Pertamina (Persero)
berfungsi sebagai Entitas Anak Perusahaan. serves as the Main Entity, the Company functions as a
Subsidiary Entity.
Berdasarkan surat Otoritas Jasa Keuangan No. S-828/ Based on the Financial Services Authority (OJK) letter No.
NB.21/2022 tertanggal 14 Desember 2022 mengenai S-828/NB.21/2022 dated 14 December 2022 regarding
Perubahan Status Konglomerasi Keuangan, Konglomerasi Changes in the Status of the Financial Conglomerate, the
Keuangan Group Tugu tidak lagi memenuhi kriteria sebagai TUGU Group Financial Conglomerate no longer meets the
konglomerasi keuangan. Dengan demikian, efektif sejak criteria for a financial conglomerate. Consequently, as
tanggal surat tersebut, penerapan Manajemen Risiko of the date of the OJK letter, the Financial Conglomerate
Terintegrasi Konglomerasi Keuangan tidak lagi berlaku bagi Integrated Risk Management requirements no longer apply
Tugu Insurance. to Tugu Insurance.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Namun, dalam rangka memantau perkembangan grup Despite this, the Company has been designated as the
Lembaga Jasa Keuangan, Perusahaan tetap ditunjuk coordinator for monitoring the development of the Tugu
sebagai koordinator untuk Group Keuangan Tugu. Financial Group’s Financial Services Institutions.
Kerangka Penerapan Manajemen Risiko
Risk Management Implementation Framework
Berdasarkan Kebijakan Umum Manajemen Risiko, The Company implements its Risk Management framework
Perseroan menerapkan kerangka Manajemen Risiko as outlined in the Company’s General Risk Management
yang dirancang untuk selaras dengan strategi bisnis Policy. This framework has been developed in alignment
perusahaan, struktur organisasi, ketentuan internal, with the Company’s business strategies, organizational
serta ketersediaan infrastruktur yang ada. Dalam structure, internal regulations, and infrastructure. The
pelaksanaannya, penerapan Manajemen Risiko mengacu implementation of Risk Management adheres to the SNI
pada standar SNI ISO 31000:2018 (Manajemen Risiko ISO 31000:2018 standard (Risk-Based Risk Management),
Berbasis Risiko), yang mencakup tiga elemen utama: which consists of the principles, framework, and processes
prinsip, kerangka kerja, dan proses Manajemen Risiko. of Risk Management.
Risk Management
Principles
Risk Management Risk Management
Framework Process
Continual Integrated
Improvement
Human & Structured &
Cultural Comprehensive
Factors Value
Creation and
Protection
Best Available Customised
Information
Dynamic Inclusive
Scope, Context,
Improvement Integration Criteria
Communication & Consolidation
Monitoring & Review
Risk Assesment
Risk Indentification
Leadership &
Evaluation
Commitment Design
Risk Analysis
Risk Education
Risk Treatment
Implementation Recording & Reporting
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Landasan penerapan Manajemen Risiko adalah The Risk Management framework forms the foundation
kerangka yang menjadi kunci keberhasilan dalam for the implementation of Risk Management at the
penerapan Manajemen Risiko Perseroan. Manajemen Company. It is the key to success in managing risks within
Risiko merupakan bagian dari Tata Kelola Perusahaan the Company. Risk Management is a part of Corporate
yang menjadi dasar dalam pengelolaan risiko di semua Governance and serves as the basis for managing risks at
tingkatan Perseroan untuk pencapaian dan peningkatan all levels within the Company, with the aim of maintaining
kinerja. Kerangka Manajemen Risiko merupakan and enhancing performance. The Risk Management
pengembangan dari prinsip-prinsip Manajemen Risiko yang Framework is the result of developing Risk Management
memberikan dasar dalam pengelolaan Perseroan yang principles, which provide the basis for managing the
mencakup seluruh aktivitas usaha Perusahaan. Company and its business activities.
Pelaksanaan proses Manajemen Risiko dimulai dengan The implementation of the Risk Management process
komunikasi dan konsultasi, penetapan konteks, penilaian begins with communication and consultation, context
risiko, identifikasi risiko, perlakuan terhadap risiko, dan setting, risk assessment, risk identification, risk response,
diakhiri dengan pemantauan serta pengkajian terhadap and concludes with monitoring and reviewing the risk
proses pengelolaan risiko. Pelaksanaan Manajemen management process. The implementation of Risk
Risiko di Tugu Insurance melibatkan seluruh unsur dalam Management at Tugu Insurance involves all elements
organisasi, mulai dari manajemen hingga karyawan of the organization, from management to all levels of
pelaksana. Seluruh unsur tersebut berperan aktif dalam employees. All of these elements play an active role
konteks "Model Tiga Lini" untuk membantu Perseroan within the context of the "Three Lines Model" to help the
mengidentifikasi struktur dan proses yang terbaik dalam Company identify the best structures and processes to
mencapai tujuan dan memfasilitasi Tata Kelola dan achieve its objectives and to support strong Governance
Manajemen Risiko yang kuat. and Risk Management.
Dewan Komisaris Komite Pemantau Risiko
Board of Commissioners Risk Monitoring Committee
Direksi Komite Manajemen Risiko
Board of Directors Risk Management Committee
Audit Eksternal | External Audit
Regulator | Regulator
Lini Pertama Lini Kedua Lini Ketiga
First Line Second Line Third Line
Risk Independent Independent
Owners Function Assurance
Function
• Unit Kerja Bisnis • ERM
Business Work Internal Audit
• Compliance
Units
• Unit Kerja
Operasional dan
Pendukung
Operational and
Supporting Work
Units
Lini Pertama First Line
Lini pertama sebagai unit Pemilik Risiko merupakan unit The first line, as the Risk Owner unit, is the unit directly
yang langsung mengidentifikasi dan mengelola Risiko responsible for identifying and managing risks within
dalam proses bisnis. Sistem pengendalian risiko bersifat business processes. The risk control system is preventive
pencegahan (preventive) berdasarkan kebijakan dan in nature, based on applicable policies and procedures
prosedur yang berlaku bagi unit kerja yang bersangkutan, for the respective work unit, including communication and
termasuk komunikasi dan konsultan kepada manajemen consultation with top management or the respective Board
puncak atau Direksi masing-masing. of Directors.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Lini Kedua Second Line
Merupakan tugas dan tanggung jawab unit kerja It is the duty and responsibility of the work unit that
yang menjalankan fungsi Manajemen Risiko dan performs the independent Risk Management and
fungsi Kepatuhan yang independent dalam mengukur, Compliance functions to measure, monitor, and address
memantau dan memperlakukan Risiko secara agregat, risks in an aggregated manner, as well as to develop the
mengembangkan metodologi dan kebijakan Manajemen Company’s Risk Management methodologies and policies.
Risiko Perusahaan, sistem pengendalian risiko bersifat The risk control system is detective in nature, carried
pendeteksian (detective) melalui pemantauan kepatuhan out through monitoring the Risk Owner’s compliance with
Risk Owner terhadap kebijakan dan prosedur serta policies, procedures, and applicable laws and regulations,
peraturan dan perundang-undangan yang berlaku, including detecting the adequacy of policies and
termasuk pendeteksian terhadap kecukupan kebijakan procedures within the relevant business/operational units.
dan prosedur pada unit kerja bisnis/operasional
yang bersangkutan.
Lini Ketiga Third Line
Lini ketiga adalah unit internal audit sebagai unit The third line is the internal audit unit, an independent unit
independen yang melaksanakan audit berbasis that conducts risk-based audits to ensure and assess that
risiko untuk memastikan dan menguji tata kelola dan governance and risk controls are effectively implemented
pengendalian risiko diterapkan secara efektif oleh by the Company. It also reports its findings to Management
Perusahaan, serta melaporkan temuannya kepada and governing bodies to encourage and facilitate
Manajemen dan organ pengurus untuk mendorong dan continuous improvement.
memfasilitasi pengembangan berkelanjutan.
Organisasi Manajemen Risiko
Organization of Risk Management
Perseroan telah memberikan tanggung jawab kepada Unit The Company has assigned responsibility to the Risk
Kerja Manajemen Risiko di bawah Direktur Kepatuhan Management Work Unit under the Compliance & Risk
& Manajemen Risiko sebagai upaya untuk memastikan Management Director as an effort to ensure that Risk
berjalannya pengelolaan Manajemen Risiko yang terukur Management is managed in a measurable manner
dan sesuai dengan ketentuan. Unit Kerja Manajemen and in accordance with applicable provisions. The Risk
Risiko merupakan unit kerja yang independen dari unit Management Work Unit is an independent unit from the
bisnis dan unit operasional Perseroan, dan memiliki Company’s business and operational units and has the
tanggung jawab utama untuk memastikan proses main responsibility to ensure that the implementation of
penerapan manajemen risiko telah berjalan efektif di risk management is effective within the Company. The
Perseroan. Unit Kerja Manajemen Risiko memiliki tugas responsibilities and authorities of the Risk Management
dan wewenang antara lain: Work Unit include:
1. Bertanggung jawab langsung kepada Direktur 1. Directly responsible to the Compliance & Risk
Kepatuhan & Manajemen Risiko; Management Director;
2. Melakukan kegiatan-kegiatan antara lain: 2. Conducting activities such as:
a. Identifikasi risiko, termasuk risiko yang melekat a. Risk identification, including inherent risks in the
(inherent risk) pada kegiatan usaha Perseroan; Company’s business activities;
b. Penyusunan metode pengukuran risiko; b. Preparing risk measurement methods;
c. Pemantauan pelaksanaan strategi Manajemen c. Monitoring the implementation of the Risk
Risiko yang telah disetujui oleh Direksi; Management strategy approved by the Board
of Directors;
d. Pemantauan posisi risiko secara keseluruhan d. Monitoring the overall risk position (composite),
(composite), per jenis risiko, dan per jenis aktivitas per type of risk, and per type of functional activity,
fungsional terhadap toleransi risiko (risk tolerance) against the set risk tolerance and limits;
dan limit yang telah ditetapkan;
e. Melakukan kaji ulang secara berkala terhadap e. Conducting periodic reviews of the Risk
proses Manajemen Risiko; Management process;
f. Kajian risiko atas pengembangan atau perluasan f. Conducting risk assessments on the development
kegiatan usaha; or expansion of business activities;
g. Evaluasi terhadap akurasi model (internal g. Evaluating the accuracy of internal models and the
model) dan validitas data yang digunakan dalam validity of data used in risk measurement;
pengukuran risiko;
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
h. Memberikan rekomendasi kepada fungsi bisnis dan h. Providing recommendations to business and
operasional serta Komite Manajemen Risiko sesuai operational functions as well as the Risk
dengan kewenangannya; Management Committee in accordance with their
respective authorities;
i. Menyusun dan menyampaikan profil risiko secara i. Preparing and submitting risk profiles regularly to
berkala kepada Direktur Utama atau Direktur yang the President Director or the Director in charge
membawahi fungsi Manajemen Risiko dan Komite of the Risk Management function and the Risk
Manajemen Risiko. Management Committee.
3. Menyusun dan menyampaikan laporan Manajemen 3. Preparing and submitting Risk Management
Risiko, baik pelaporan internal maupun eksternal yang reports, both internal and external, which are the
menjadi kewajiban Perseroan; Company’s obligations;
4. Memberikan rekomendasi kepada Satuan Kerja Bisnis/ 4. Providing recommendations to the Business/
Operasional dan Komite Manajemen Risiko sesuai Operational Work Units and the Risk Management
kewenangan yang dimiliki; Committee according to their respective authorities;
5. Memberikan masukan kepada Direksi dalam 5. Providing input to the Board of Directors in the
penyusunan Kebijakan Manajemen Risiko Perseroan; preparation of the Company’s Risk Management Policy;
6. Mengembangkan budaya sadar risiko (risk awareness) 6. Developing a risk awareness culture across all work
di seluruh unit kerja Perseroan; units within the Company;
7. Berkoordinasi dengan Satuan Kerja Kepatuhan dan 7. Coordinating with the Compliance Unit and the Internal
Satuan Kerja Audit Internal dalam rangka pelaksanaan Audit Unit in implementing the three lines of defense.
three lines of defense.
Struktur Organisasi Unit Kerja Manajemen Risiko
Organizational Structure of Risk Management Work Unit
Direktur Kepatuhan &
Manajemen Risiko
Compliance &
Risk Management Director
ERM, HSSE & APU PPT Group Head
Unit Kerja Khusus APU PPT
Enterprise Risk Management HSSE & Office Operation Special Work Unit for Anti-Money
Dept. Head Dept. Head Laundering (AML) and Counter-
Terrorism Financing (CTF)
Penerapan Manajemen Risiko
Risk Management Implementation
Cakupan penerapan Manajemen Risiko di Tugu The scope of Tugu Insurance’s Risk Management
Insurance meliputi: implementation includes:
1. Pengawasan Aktif oleh Direksi, Dewan Komisaris, dan 1. Active Supervision by the Board of Directors, the Board
Dewan Pengawas Syariah. Ketiganya bertanggung of Commissioners, and the Sharia Supervisory Board.
jawab atas efektivitas penerapan Manajemen Risiko di These three boards are responsible for ensuring the
Perseroan. Oleh karena itu, Direksi, Dewan Komisaris, effectiveness of Risk Management implementation
dan Dewan Pengawas Syariah diharuskan untuk: within the company. Therefore, the Board of Directors,
the Board of Commissioners, and the Sharia
Supervisory Board are required to:
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
a. Memahami jenis risiko dan tingkat risiko yang a. Understand the types of risks and the levels of
melekat pada kegiatan usaha Perseroan; risks inherent in the company’s business activities;
b. Memberikan arahan yang jelas dalam penerapan b. Provide clear guidance on Risk
Manajemen Risiko; Management implementation;
c. Melakukan pengawasan dan mitigasi risiko c. Engage in active risk monitoring and mitigation;
secara aktif;
d. Mengembangkan budaya Manajemen d. Cultivate a Risk Management culture within
Risiko Perseroan; the company;
e. Memastikan struktur organisasi yang memadai e. Ensure an adequate organizational structure with
beserta tugas dan tanggung jawab masing-masing, defined duties and responsibilities to support the
untuk mendukung penerapan Manajemen Risiko effective implementation of Risk Management;
yang efektif;
f. Memastikan kecukupan kuantitas dan kualitas f. Ensure the adequacy of both the quantity and
sumber daya manusia untuk penerapan Manajemen quality of human resources to effectively implement
Risiko secara efektif. Risk Management.
Dalam pelaksanaannya, penerapan Manajemen Risiko In practice, the implementation of Risk Management,
dan pengawasan aktif oleh Direksi, Dewan Komisaris, alongside active supervision by the Board of Directors,
dan Dewan Pengawas Syariah dilaksanakan melalui: the Board of Commissioners, and the Sharia
Supervisory Board, is carried out through:
a. Pelaksanaan rapat Komite Pemantau Risiko a. Regular meetings of the Risk
secara berkala; Monitoring Committee;
b. Pelaksanaan rapat Komite Manajemen Risiko b. Regular meetings of the Risk
secara berkala; Management Committee;
c. Pelaksanaan Rapat Dewan Pengawas Syariah c. Conducting periodic meetings of the Sharia
secara berkala dan mengawasi pemenuhan prinsip Supervisory Board and overseeing compliance with
syariah atas produk, aktivitas unit usaha Syariah sharia principles for products and activities of the
Perseroan agar sesuai dengan fatwa Dewan Syariah Company’s Sharia business unit in accordance with
Nasional-Majelis Ulama Indonesia; the fatwa of the National Sharia Council-Indonesian
Ulema Council;
d. Menetapkan, memonitor, dan meninjau d. Establishing, monitoring, and reviewing the
pelaksanaan mitigasi Top Risk Register pada bisnis mitigation of the Company’s Top Risk Register for
yang sedang berjalan secara berkala; ongoing business on a regular basis;
e. Monitoring dan review atas Early Warning System/ e. Monitoring and reviewing the Company’s Early
Key Risk Indicator Perseroan secara berkala; Warning System/Key Risk Indicators on a
regular basis;
f. Pelaporan hasil penilaian profil risiko terintegrasi f. Reporting the results of the integrated risk profile
secara berkala; assessment periodically;
g. Pelaporan hasil self-assessment Tingkat Kesehatan g. Reporting the results of the Company’s Soundness
Perseroan (tata kelola yang baik, profil risiko, Level self-assessment (covering good corporate
rentabilitas, dan permodalan) secara tahunan; governance, risk profile, profitability, and capital)
annually;
h. Meningkatkan kesadaran melalui pembuatan flyer h. Raising awareness by creating Risk
Manajemen Risiko; Management flyers;
i. Mengadakan pertemuan antara Unit Kerja i. Organizing meetings between the Risk Management
Manajemen Risiko dengan Komite Pemantau Risiko; Unit and the Risk Monitoring Committee;
j. Mengikutsertakan pegawai dalam pelatihan, j. Involving employees in training sessions, seminars,
seminar, workshop, maupun sertifikasi profesi. workshops, and professional certifications.
2. Kecukupan kebijakan, prosedur, dan penetapan limit 2. Adequacy of policies, procedures, and determination
risiko. Penerapan Manajemen Risiko yang efektif of risk limits. The implementation of effective Risk
harus didukung dengan kerangka yang mencakup Management must be supported by a framework that
kebijakan dan prosedur Manajemen Risiko serta limit includes Risk Management policies and procedures, as
risiko yang ditetapkan secara jelas, sejalan dengan well as risk limits, which are clearly defined and aligned
visi, misi, dan strategi bisnis Perseroan. Penyusunan with the Company’s vision, mission, and business
kebijakan dan prosedur Manajemen Risiko dilakukan strategy. These policies and procedures are formulated
dengan memperhatikan antara lain karakteristik dan by considering factors such as the characteristics
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Audited Report
kompleksitas kegiatan bisnis, tingkat risiko yang akan and complexity of business activities, the level of risk
diambil, toleransi risiko, profil risiko, serta ketentuan appetite and tolerance, the risk profile, and applicable
regulator yang berlaku. Kecukupan kebijakan, prosedur, regulatory provisions. The adequacy of policies,
dan penetapan limit risiko ditentukan melalui: procedures, and risk limits is determined through:
a. Perseroan memiliki Pedoman Manajemen a. The Company’s Risk Management Manual,
Risiko yang mencakup prinsip Manajemen which includes the Risk Management principles,
Risiko, kerangka Manajemen Risiko, penerapan framework, application, as well as authorities,
Manajemen Risiko, wewenang dan tanggung jawab, responsibilities, and policies related to
serta kebijakan Manajemen Risiko; Risk Management;
b. Menetapkan dan melakukan kaji ulang Risk Appetite b. The determination and periodic review of the
Statement serta pelaporan Key Risk Indicator/Early Company’s Risk Appetite Statement, along with
Warning System Perseroan setiap bulannya untuk monthly Key Risk Indicator/Early Warning System
mengelola risiko agar tetap berada dalam batasan reporting to ensure that risks are managed
toleransi risiko, serta memberikan keyakinan yang within established risk tolerance limits and to
memadai dalam rangka pencapaian tujuan dan provide adequate assurance in achieving the
sasaran Perseroan. Perseroan secara berkelanjutan Company’s goals and objectives. The Company
melengkapi, menyempurnakan, dan mengkinikan continuously completes, enhances, and updates
kebijakan dan prosedur Manajemen Risiko its Risk Management policies and procedures
agar sesuai dengan perkembangan usaha dan to align with business developments and
ketentuan regulator. regulatory requirements.
3. Kecukupan proses identifikasi, pengukuran, 3. Adequacy of risk identification, measurement, risk
pengendalian, dan pemantauan risiko serta Sistem control, and monitoring, as well as a Risk Management
Informasi Manajemen Risiko. Information System. The Company’s Risk Management
Arsitektur proses Manajemen Risiko Perseroan process architecture follows SNI ISO 31000:2018
menggunakan SNI ISO 31000:2018 (penerapan (risk-based implementation of Risk Management),
manajemen risiko berbasis risiko) yang dimulai dari starting from the principles applied, the framework, and
prinsip yang digunakan, kerangka kerja, dan standar the standards for Risk Management processes. The
proses Manajemen Risiko. Penerapan dilakukan implementation is carried out using tools developed
dengan menggunakan alat yang telah dibentuk by the Risk Management work unit, including the risk
oleh unit kerja Manajemen Risiko, yang meliputi register for ongoing business and monitoring the
risk register on-going business dan pemantauan mitigation of the risk register, as well as matrices used
pelaksanaan mitigasi risk register, serta matriks yang as tools for measuring/assessing risks and levels
digunakan sebagai alat untuk pengukuran/penilaian of guidance for risk management. The assessment
risiko, dan level of guidance untuk mengelola risiko. is conducted by all work units within the Company
Penilaian dilakukan oleh seluruh unit kerja Perseroan (as risk owners).
(pemilik risiko).
Pelaksanaan proses Manajemen Risiko Perseroan The Company’s Risk Management process is
dilakukan sebagai berikut: conducted as follows:
a. Identifikasi Risiko a. Risk Identification
i. Identifikasi risiko yang melekat pada kegiatan i. Identification of risks inherent in work unit
unit kerja dilakukan oleh masing-masing pemilik activities is conducted by each risk owner
risiko (risk owner) berkoordinasi dengan masing- in coordination with each risk champion
masing risk champion dari unit kerja terkait. from the respective work unit, with the aim
Tujuannya adalah untuk mendorong unit kerja of encouraging work units to identify risks
mengidentifikasi risiko yang melekat pada inherent in their functions and mitigate the risks
fungsi masing-masing dan melakukan mitigasi they face;
terhadap risiko yang dihadapi;
ii. Menggunakan metode yang berlaku untuk ii. Applying methods that can be used for all
seluruh aktivitas Perseroan; activities in the Company;
iii. Hasil profil risiko dari setiap fungsi/unit kerja iii. Results of the risk profile from each function/
didokumentasikan sebagai risk register. work unit are documented as a risk register.
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Management Discussion and Analysis
b. Pengukuran Risiko b. Risk Measurement
i. Sistem pengukuran risiko digunakan untuk i. The risk measurement system is used to
mengukur exposure risiko Perseroan sebagai measure the Company’s risk exposure as a
acuan untuk melakukan pengendalian. reference for controlling. Risk measurement
Pengukuran risiko dilakukan secara is conducted periodically on the Company’s
berkala terhadap aktivitas bisnis dan business and operational activities;
operasional Perseroan;
ii. Setiap fungsi/unit kerja melakukan pengukuran ii. Each function/work unit measures each risk
setiap risiko dalam risk register on going in the risk register ongoing business, both
business, baik yang bersifat kuantitatif maupun quantitatively and qualitatively, with reference
kualitatif, dengan mengacu pada kecenderungan to past trends and estimates of the Company’s
yang terjadi di masa lalu, estimasi potensi potential losses, as well as appropriate
kerugian, serta asumsi yang sesuai untuk assumptions to support accuracy and fairness.
mendukung akurasi dan kewajaran.
c. Pengendalian Risiko c. Risk Control
Pengendalian risiko dilakukan oleh Perseroan The Company carries out risk control, among
antara lain dengan cara mekanisme lindung nilai others through hedging mechanisms and risk
dan metode mitigasi risiko. mitigation methods.
d. Pemantauan Risiko d. Risk Monitoring
i. Perseroan melakukan pemantauan terhadap i. The Company monitors the level of risk
besarnya exposure risiko, toleransi risiko, exposure, risk tolerance, and the results of
dan hasil stress testing secara berkala dan stress testing on a regular and continuous
berkesinambungan dengan membandingkan basis, comparing the risks that arise with the
risiko yang muncul dengan limit risiko yang risk limits that have been set;
telah ditetapkan;
ii. Pemantauan pelaksanaan mitigasi Risk Register ii. Monitoring the implementation of Risk
setiap fungsi/unit kerja disajikan dalam laporan Register mitigation for each function/
berkala setiap bulan, disertai dengan bukti work unit is presented in monthly periodic
pelaksanaan mitigasi. reports and accompanied by evidence of
mitigation implementation.
e. Sistem Informasi Manajemen Risiko e. Risk Management Information System
Sistem Informasi Manajemen Risiko Perseroan The Company’s Risk Management Information
harus dapat memastikan tersedianya informasi System must ensure the availability of accurate,
yang akurat, lengkap, informatif, tepat waktu, dan complete, informative, timely, and reliable
dapat diandalkan, sehingga dapat digunakan oleh information. As a result, it can be useful for the
Direksi, Dewan Komisaris, dan satuan kerja terkait Board of Directors, Board of Commissioners,
dalam penerapan Manajemen Risiko untuk menilai, and related work units in implementing Risk
memantau, dan memitigasi risiko yang dihadapi Management to assess, monitor, and mitigate the
Perseroan, baik risiko keseluruhan/komposit risks faced by the Company, both overall/composite
maupun per jenis risiko, serta mendukung proses risks and per risk, in the framework of decision-
pengambilan keputusan oleh Direksi. making by the Board of Directors.
Dalam pengembangan infrastruktur sistem informasi In terms of risk management information system
manajemen risiko, Perseroan telah memiliki Sistem infrastructure development, the Company has a
Informasi Manajemen Risiko berbasis Aplikasi web-based Risk Management Information System.
web. Aplikasi tersebut adalah Tugu Enterprise Risk The application, known as Tugu Enterprise Risk
Management System (T-ERMS), yang mendukung Management System (T-ERMS), supports administrative
kegiatan administratif pengelolaan risiko mulai dari activities related to risk management, including risk
proses identifikasi risiko, analisis risiko, pemantauan identification, risk analysis, risk monitoring, and risk
risiko, hingga penyampaian laporan risiko yang dapat report submission, all of which can be executed easily
dilakukan dengan mudah dan cepat. and quickly.
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T-ERMS dibangun pada bulan Agustus 2021 dan T-ERMS was built in August 2021 and completed in
selesai pada bulan Desember 2023, yang terdiri dari December 2023. It consists of two modules:
dua modul: a. Soundness Level Module of the Company
a. Modul Tingkat Kesehatan Perusahaan dengan with Risk Based Nonbank Rating (RBNBR)
model penilaian Risk Based Nonbank Rating assessment model.
(RBNBR). b. Operational risk management module.
b. Modul manajemen risiko operasional.
Sistem Informasi Manajemen Risiko Perseroan meliputi The Company has a Risk Management Information
penyampaian laporan-laporan berikut secara berkala: System, which is manifested in the form of the
following reports:
a. Pelaporan hasil penilaian diri profil risiko a. Reporting the results of self-assessment of the
terintegrasi konglomerasi keuangan; financial conglomerate’s integrated risk profile on a
regular basis;
b. Pelaporan Tingkat Kesehatan Perseroan b. Risk-based reporting of the Company’s
berbasis Risiko; Soundness Level;
c. Pelaporan pemantauan pelaksanaan mitigasi Top c. Reporting on the monitoring of Top Risk Register
Risk Register untuk bisnis yang berjalan; mitigation for ongoing business;
d. Pelaporan Pemantauan Risk Appetite Statement, d. Risk Appetite Statement Monitoring Reporting and
Early Warning System (Key Risk Indicator); Early Warning System (Key Risk Indicator);
e. Review limit risiko (rule rating) dalam penilaian profil e. Review of the risk limit (rule rating) in assessing the
faktor kesehatan, yang mencakup Profil Risiko, Soundness Level factor profile, which includes Risk
Rentabilitas, dan Permodalan; Profile, Profitability, and Capital;
f. Pencatatan dan pembaruan database untuk potensi f. Recording and updating the database for potential
dan kerugian aktual Perseroan; and actual Company losses;
g. Uji kontrol internal terhadap mitigasi risiko yang g. Testing of internal controls on planned
telah direncanakan; risk mitigation;
h. Rencana tindak lanjut manajemen. h. Management follow-up plan.
4. Sistem Pengendalian Internal yang Menyeluruh. 4. Comprehensive Internal Control System. The
Terselenggaranya sistem pengendalian internal implementation of the Company’s reliable and effective
Perseroan yang handal dan efektif menjadi tanggung internal control system is the responsibility of all
jawab seluruh satuan kerja operasional, satuan kerja operational work units, supporting work units, and
pendukung, dan satuan kerja audit internal. Perseroan the internal audit work unit. The Company applies the
menerapkan konsep three lines of defense dalam “three lines of defense” concept in risk management.
pengelolaan risiko. Pengelolaan risiko dilakukan oleh Risk management is carried out by all lines of the
semua lini organisasi dan dilakukan pengawasan organization, with oversight provided by the Board of
(oversight) oleh Dewan Komisaris dan Direksi. Commissioners and Directors.
Sebagai risk owner, seluruh unit bisnis dan unit As risk owners, all business units and support units
pendukung berfungsi sebagai first line of defense, function as the first line of defense, managing risks
yang bertugas untuk mengelola risiko terkait dengan related to their respective work units. Meanwhile,
unit kerjanya. Sementara itu, satuan kerja Manajemen the Risk Management and Compliance work units
Risiko dan satuan kerja Kepatuhan berfungsi sebagai function as the second line of defense, monitoring the
second line of defense, yang memantau penerapan implementation of corporate Risk Management policies
kebijakan dan panduan Manajemen Risiko secara and guidelines. The Internal Audit work unit serves
korporasi. Sedangkan, satuan kerja Audit Internal as the third line of defense, providing independent
berfungsi sebagai third line of defense, yang bertugas assurance regarding the implementation of Risk
memberikan jaminan independensi terhadap Management in the Company.
penerapan Manajemen Risiko di Perseroan.
Perseroan melaksanakan sistem pengendalian The Company implements an internal control system
internal dalam penerapan Manajemen Risiko dengan in Risk Management by applying Internal Control over
menerapkan Internal Control over Financial Reporting Financial Reporting (ICoFR), which is a Risk Control Self
(ICoFR), yang merupakan Risk Control Self Assessment Assessment (RCSA) in the financial reporting process
(RCSA) pada proses pelaporan keuangan, untuk to prevent and detect material misstatements in a
mencegah dan mendeteksi salah saji material secara timely manner.
tepat waktu.
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Management Discussion and Analysis
Upaya Peningkatan Budaya Risiko
Efforts to Improve Risk Culture
Perseroan menilai bahwa diperlukan landasan inti yang The Company believes that a strong foundation is required
kuat dalam penerapan Manajemen Risiko yang efektif to implement effective risk management, in order to
guna menanamkan prinsip kehati-hatian dan nilai-nilai instill the precautionary principle and the key values
penting suatu risiko kepada seluruh karyawan. Unit of risk across all employees. The Risk Management
Kerja Manajemen Risiko secara proaktif berusaha untuk Unit proactively works to enhance the Company’s risk
meningkatkan kemampuan Manajemen Risiko di Perseroan management capabilities by providing full support and
melalui pemberian dukungan dan kontribusi penuh dalam contributions in its implementation. They aim to foster
pelaksanaan Manajemen Risiko, mengembangkan budaya a corporate risk culture throughout the Company’s
sadar risiko (corporate risk culture) ke seluruh proses processes, emphasizing that everyone is a risk manager.
Perseroan dengan menitikberatkan konsep bahwa risiko
adalah tanggung jawab setiap orang (everybody is a risk
manager).
Satuan Kerja Manajemen Risiko (SKMR) melakukan The Risk Management Work Unit (SKMR) promoted risk
penanaman budaya sadar risiko melalui kegiatan awareness culture through activities throughout 2024,
sepanjang tahun 2024, meliputi: including:
1. Pelatihan dan sosialisasi manajemen risiko; 1. Risk management training and awareness sessions;
2. Coaching clinic dan asistensi risk register; 2. Coaching clinics and assistance with the risk register;
3. Flyer dan banner; 3. Flyers and banners;
4. Display TV di area kantor; 4. TV displays in office areas;
5. Penyebaran e-mail kepada seluruh karyawan; dan 5. Distributing emails to all employees; and
6. Forum komunikasi manajemen risiko. 6. Risk management communication forums.
Efektivitas Penerapan Manajemen Risiko
Effectiveness of Risk Management Implementation
Implementasi Manajemen Risiko di Tugu Insurance Tugu Insurance implements Risk Management in
dilakukan berdasarkan Peraturan Otoritas Jasa Keuangan accordance with the Financial Services Authority
No. 44/POJK.05/2020 tentang Penerapan Manajemen Regulation No. 44/POJK.05/2020 concerning the
Risiko bagi Lembaga Jasa Keuangan Non-Bank dengan Implementation of Risk Management for Non-Bank
metode penilaian sendiri menggunakan model Risk Financial Services Institutions, using the Self-Assessment
Based Nonbank Rating (RBNBR). Evaluasi Perseroan atas method. The Company’s evaluation of the effectiveness of
efektivitas sistem manajemen risiko meliputi: the risk management system includes:
1. Kebijakan dan prosedur yang digunakan untuk 1. Policies and procedures for assessing risks;
menilai risiko;
2. Perkembangan eksposur risiko yang dihadapi 2. Development of the risk exposure faced by
oleh Perseroan; the Company;
3. Kecukupan kebijakan, prosedur, dan penetapan 3. Adequate policies, procedures, and determination of
limit risiko; risk limits;
4. Kecukupan proses identifikasi, pengukuran, 4. Adequacy of risk identification, measurement,
pemantauan, dan pengendalian risiko; dan monitoring, and control processes; and
5. Efektivitas sistem pengendalian internal 5. Effectiveness of the comprehensive internal
yang menyeluruh. control system.
Evaluasi atas efektivitas Manajemen Risiko dilakukan Evaluation of the effectiveness of Risk Management is
juga melalui laporan berkala yang dikirimkan kepada also conducted through periodic reports sent to the Board
Dewan Komisaris, Dewan Pengawas Syariah, dan of Commissioners, the Sharia Supervisory Board, and
Direksi dalam Laporan Profil Risiko dan Laporan Tingkat the Board of Directors in the Risk Profile Report and the
Kesehatan Perseroan. Company’s Soundness Level Report.
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Jenis Risiko Perseroan dan Pengelolaannya
Types of the Company’s Risks and Their Management
Peraturan Otoritas Jasa Keuangan No. 44/POJK.05/2020 Pursuant to Financial Services Authority Regulation No.
tentang Penerapan Manajemen Risiko Bagi Lembaga Jasa 44/POJK.05/2020 concerning the Application of Risk
Keuangan Non-Bank mewajibkan Perseroan menerapkan Management for Non-Bank Financial Services Institutions,
Manajemen Risiko untuk jenis risiko sebagai berikut: the Company is required to apply Risk Management for the
following types of risks:
1. Risiko Strategis; 1. Strategic Risk;
2. Risiko Operasional; 2. Operational Risk;
3. Risiko Asuransi; 3. Insurance Risk;
4. Risiko Kredit; 4. Credit Risk;
5. Risiko Pasar; 5. Market Risk;
6. Risiko Likuiditas; 6. Liquidity Risk;
7. Risiko Hukum; 7. Legal Risk;
8. Risiko Kepatuhan; dan 8. Compliance Risk; and
9. Risiko Reputasi. 9. Reputational Risk.
1. Risiko Strategi adalah risiko yang timbul akibat 1. Strategic Risk is the risk arising from inaccuracies
ketidaktepatan dalam pengambilan dan/atau in making and/or implementing strategic decisions
pelaksanaan keputusan strategis, serta kegagalan and failure to anticipate changes in the business
dalam mengantisipasi perubahan lingkungan bisnis. environment. The Company manages Strategic Risk by:
Dalam pengelolaan Risiko Strategi, Perseroan:
a. Menyusun dan menetapkan strategi bisnis tahunan a. Developing and determining the annual business
yang dituangkan dalam Rencana Kerja Anggaran strategy outlined in the Company’s Budget and Plan
Perusahaan (RKAP) dengan memperhatikan (RKAP) based on changes in external factors and
perubahan faktor eksternal dan faktor internal internal factors as well as Risk Appetite and Risk
serta kriteria Risk Appetite dan Risk Tolerance Tolerance criteria as a basis for making strategic
sebagai landasan dalam pengambilan keputusan decisions for the Company;
strategis Perseroan;
b. Menyusun dan menetapkan strategi bisnis jangka b. Developing and defining the medium-term and long-
menengah/panjang yang dituangkan dalam term business strategy outlined in the Company’s
Rencana Jangka Panjang Perusahaan (RJPP); Long-Term Plan (RJPP);
c. Melakukan monitoring dan evaluasi pelaksanaan c. Monitoring and evaluating the implementation of
strategi bisnis tahunan melalui pelaporan realisasi the annual business strategy through periodic
RKAP secara rutin/berkala; reporting on RKAP implementation;
d. Secara berkala melakukan Rapat Manajemen d. Regulary conducted Management Meeting
dengan agenda pembahasan Performance Review, with the agenda of discussing Performance
selain itu dilakukan pemantauan dan evaluasi Review, in addition to monitoring and evaluating
pelaksanaan strategi bisnis tahunan melalui the implementation of the annual business
pelaporan realisasi RKAP secara rutin/berkala; strategy through regular/periodic reporting of
RKAP realization;
e. Memantau pencapaian target bisnis, mengevaluasi e. Monitoring the achievement of business targets,
permasalahan dan kelemahan yang ditemukan, evaluating problems and weaknesses found, and
serta menetapkan langkah-langkah perbaikan determining the necessary corrective measures.
yang diperlukan.
2. Risiko Operasional adalah risiko akibat ketidakcukupan 2. Operational Risk is the risk arising from inadequate
dan/atau tidak berfungsinya proses internal, kesalahan and/or malfunctioning internal processes, human error,
manusia, kegagalan sistem, dan/atau adanya kejadian system failure, and/or external events impacting the
eksternal yang memengaruhi operasional Perseroan. Company’s operations. In managing Operational Risk,
Dalam pengelolaan Risiko Operasional, Perseroan: the Company does the following:
a. Menetapkan struktur organisasi dan pemenuhan a. Establishing an organizational structure and
kebutuhan SDM secara efektif dan efisien; meeting HR needs effectively and efficiently;
b. Pengembangan budaya risiko kepada seluruh b. Developing a risk culture for employees through
pegawai Perseroan dengan adanya sosialisasi dan socialization and training, sharing sessions,
pelatihan, sharing session, coaching clinic, dan coaching clinics and risk campaigns;
risk campaign;
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Management Discussion and Analysis
c. Menyusun dan menetapkan Sistem Tata Kerja (STK) c. Developing and establishing a Work System for
di masing-masing fungsi/unit kerja; each function/work unit;
d. Menetapkan Code of Conduct sebagai pedoman d. Determining the Code of Conduct as a guideline
pelaksanaan etika kerja dan etika bisnis bagi for implementing work and business ethics for the
pekerja Perseroan; Company’s employees;
e. Menetapkan kebijakan larangan pemberian/ e. Issuing a policy prohibiting the giving and
penerimaan gratifikasi yang didukung dengan receiving of gratuities, supported by the
Whistleblowing System; Whistleblowing System;
f. Melakukan perawatan infrastruktur sistem Teknologi f. Performing routine maintenance on Information
Informasi secara rutin/berkala. Technology system infrastructure.
3. Risiko Asuransi adalah risiko kegagalan perusahaan 3. Insurance Risk is the risk of failure by an insurance
asuransi, perusahaan reasuransi, perusahaan company, reinsurance company, sharia insurance
asuransi syariah, dan perusahaan reasuransi syariah company, and sharia reinsurance company in fulfilling
untuk memenuhi kewajiban kepada pemegang polis, their obligations to policyholders, the insured, or
tertanggung, atau peserta akibat ketidakcukupan participants due to inadequacy in the risk selection
proses seleksi risiko (underwriting), penetapan process (underwriting), premium or contribution
premi atau kontribusi, penggunaan reasuransi, dan/ determination, use of reinsurance, and/or claims
atau penanganan klaim. Secara berkala, Perseroan handling. The Company periodically identifies and
melakukan identifikasi dan pengukuran profil Risiko measures the Insurance Risk profile that has been
Asuransi yang telah ditetapkan. Pengelolaan Risiko determined. The Company manages Insurance Risk by:
Asuransi antara lain dilakukan dengan:
a. Pembentukan treaty otomatis yang mengacu pada: a. Automatic treaty formation with reference to:
i. Strategi bisnis Perseroan; i. The Company’s business strategy;
ii. Peraturan Otoritas Jasa Keuangan No. 14/ ii. Financial Services Authority Regulation No. 14/
POJK.05/2015 tentang Retensi Sendiri dan POJK.05/2015 concerning Self Retention and
Dukungan Reasuransi Dalam Negeri; Domestic Reinsurance Support;
iii. Surat Edaran Otoritas Jasa Keuangan No. 31/ iii. Financial Services Authority Circular No. 31/
SEOJK.05/2015 tentang Batas Retensi Sendiri, SEOJK.05/2015 concerning Self Retention
Besar Dukungan Reasuransi, dan Laporan Limit, Reinsurance Support Amount, and
Program Reasuransi/Retrosesi. Reinsurance/Retrocession Program Report.
b. Penyusunan dan penetapan kebijakan underwriting, b. Formulating and determining underwriting policy,
kewenangan underwriting, dan kewenangan underwriting authority, and claim authority in
klaim yang mengacu pada kebijakan internal accordance with the Company’s internal policies
Perseroan dan ketentuan peraturan dan and applicable laws and regulations;
perundang-undangan terkait;
c. Penyusunan dan penetapan proses penanganan c. Formulating and determining claims handling
klaim berdasarkan Service Level Agreement (SLA). process in accordance with Service Level
Agreement (SLA).
4. Risiko Kredit adalah risiko akibat kegagalan pihak 4. Credit Risk is the risk arising from the failure of other
lain dalam memenuhi kewajiban kepada Perseroan. parties to fulfill their obligations to the Company. The
Pengelolaan Risiko Kredit oleh Perseroan antara lain Company manages Credit Risk by:
dilakukan dengan:
a. Implementasi strategi dukungan reasuransi a. Implementing a reinsurance support strategy based
berdasarkan peringkat perusahaan reasuransi yang on the good rating and financial perdformance
baik dan sehat; reinsurance companies;
b. Penyusunan kebijakan investasi sebagai dasar limit b. The formulation of investment policies as a
dan kriteria conterpart penempatan investasi, dan basis for limits and criteria for counterparties
strategi investasi serta ketentuan Regulator terkait in investment placement, investment
batasan investasi; strategies, and regulatory provisions related to
investment restrictions.
c. Penempatan aset investasi yang memiliki risiko c. Placement investment assets that have low risk,
rendah, namun dengan yield yang optimal seperti but with optimal yields, such as placement of
pada penempatan Surat Berharga Negara (SBN); Government Securities (SBN);
d. Pemantauan alokasi aset investasi dan pemenuhan d. Monitoring investment asset allocation and
terhadap batasan investasi yang diperkenankan; compliance with permitted investment limits;
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Audited Report
e. Identifikasi risiko dan mitigasi terhadap risiko e. Identifying and mitigating credit risks,
kredit, khususnya terkait kolektabilitas premi dan especially related to premium collectability and
risiko counterparty; counterparty risk;
f. Monitoring kinerja keuangan dari counterpart f. Monitoring the financial performance of the
untuk memastikan tingkat kesehatan counterpart counterparty to ensure the health level of the
dan meminimalkan potensi adanya insolvency counterparty and minimize the potential for
dari counterpart. counterparty insolvency.
5. Risiko Pasar adalah risiko pada posisi aset, liabilitas, 5. Market Risk is the risk related to the position of
ekuitas, dan/atau rekening administratif termasuk assets, liabilities, equity, and/or off-balance sheet
transaksi derivatif akibat perubahan kondisi pasar items, including derivative transactions, due to changes
secara keseluruhan. Pengelolaan Risiko Pasar oleh in overall market conditions. The Company manages
Perseroan antara lain dilakukan dengan: Market Risk, among other things, by:
a. Pemantauan Asset Liability Management (ALMA) a. Periodically Monitoring Asset Liability Management
secara berkala; (ALMA);
b. Penetapan limit risiko pasar yang mengacu pada b. Setting market risk limits based on internal
ketentuan internal dan peraturan perundang- provisions and applicable laws and regulations;
undangan yang berlaku;
c. Melakukan pengukuran risiko pasar seperti c. Market risk measurements such as Value at Risk
Value at Risk (VaR) dan sensitivity analysis untuk (VaR) and sensitivity analysis to ensure investment
memastikan transaksi investasi masih berada di transactions are within the Company’s Risk Appetite
Risk Appetite ataupun Risk Tolerance Perseroan. or Risk Tolerance.
6. Risiko Likuiditas adalah risiko akibat ketidakmampuan 6. Liquidity Risk is the risk due to the Company’s inability
Perseroan untuk memenuhi liabilitas yang jatuh tempo to meet maturing liabilities from cash flow funding
dari sumber pendanaan arus kas dan/atau dari aset sources and/or from liquid assets that can easily be
likuid yang dapat dengan mudah dikonversi menjadi converted into cash, without disturbing the Company’s
kas, tanpa mengganggu aktivitas dan kondisi keuangan activities and financial condition. The Company
Perseroan. Pengelolaan Risiko Likuiditas oleh manages Liquidity Risk by:
Perseroan antara lain dilakukan dengan:
a. Melakukan pemantauan rasio likuiditas untuk a. Monitoring liquidity ratios to ensure the Company is
memastikan Perseroan mampu memenuhi able to fulfill its obligations in accordance with Risk
kewajiban sesuai dengan Risk Appetite dan Appetite and Risk Tolerance;
Risk Tolerance;
b. Melakukan stress testing solvabilitas untuk b. Conducting solvability stress testing to assess the
mengetahui dampak perubahan faktor pasar impact of changes in market and internal factors in
maupun faktor internal pada kondisi ekstrim (krisis) extreme conditions (crises) on liquidity;
terhadap likuiditas;
c. Memonitor indikator-indikator eksternal seperti c. Monitoring external indicators, such as Rupiah
suku bunga, nilai tukar USD/IDR, Indeks Harga interest rates, USD/IDR exchange rates, Composite
Saham Gabungan (IHSG), serta informasi pasar Stock Price Index (JCI), and the latest market
terkini untuk meningkatkan kewaspadaan terhadap updates, to increase awareness of unfavorable
kondisi ekonomi yang tidak stabil; economic conditions;
d. Melakukan pemantauan tingkat pembayaran klaim d. Regularly monitoring the claim payment rate (loss
(loss ratio) secara berkala; ratio);
e. Memastikan tingkat solvabilitas sesuai dengan e. Ensure the level of solvency is in accordance with
Risk Appetite Perseroan dan batasan minimum the Company’s Risk Appetite and minimum limits
ketentuan Regulator. set by the Regulator.
7. Risiko Hukum adalah risiko yang timbul akibat 7. Legal Risk is the risk arising from lawsuits and/or
tuntutan hukum dan/atau kelemahan aspek hukum. weaknesses in legal aspects. The Company manages
Pengelolaan Risiko Hukum oleh Perseroan antara lain Legal Risk, among other things, by:
dilakukan dengan:
a. Perseroan memiliki unit kerja legal advisory dan a. Company has a legal advisory work unit and a
unit kerja litigation yang mengelola Risiko Hukum litigation work unit that manages Legal Risk if there
apabila terdapat gugatan dari pihak eksternal; is a lawsuit from an external party;
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
b. Perusahaan memiliki Corporate Lawyer yang b. company has a Corporate Lawyer who assists
membantu dalam pendampingan dan analisa in assisting and analyzing legal cases for the
kasus hukum kepada unit kerja legal advisory dan legal advisory work unit and litigation work unit in
unit kerja litigation dalam mengelola permsalahan managing legal risk issues;
risiko hukum;
c. Melakukan review pembuatan Perjanjian Kerjasama c. Reviewing the preparation of Cooperation
(PKS), salah satunya aktivitas pemasaran Agreements (PKS), one of which is marketing;
khususnya kerja sama dengan pihak ketiga; activities, especially collaboration with third parties
d. Melakukan review terhadap policy wording produk d. Reviewing policies of new products to be registered
baru yang akan didaftarkan kepada regulator; with the regulator;
e. Menyelenggarakan forum hukum untuk membahas e. Organizing legal forums to discuss issues related
masalah terkait risiko hukum dan melakukan to legal risks and conducting sharing sessions on
sharing session mengenai isu-isu penting important related topics.
yang dihadapi.
8. Risiko Kepatuhan adalah risiko akibat Perseroan tidak 8. Compliance Risk is the risk arising from the Company’s
mematuhi dan/atau tidak melaksanakan peraturan failure to comply with and/or implement laws and
perundang-undangan yang berlaku bagi Perseroan. regulations applicable to the Company. The Company
Pengelolaan Risiko Kepatuhan oleh Perseroan antara manages Compliance Risk by:
lain dilakukan dengan:
a. Memantau pemenuhan kewajiban Perseroan atas a. Monitoring the fulfillment of the Company’s
regulasi baru. Unit kerja kepatuhan melaksanakan obligations under new regulations. The compliance
memonitor action plan yang perlu dilakukan, dan unit conducts monitor action plans that need to
me-reminder kewajiban regulasi kepada unit kerja be carried out, and remind regulatory obligations
terkait melalui system Compliance, Governance to related work units through the Compliance,
Management System (CGMS); Governance Management System (CGMS) system;
b. Melakukan penilaian penerapan Good Corporate b. Conduct an assessment of the implementation of
Governance yang dilakukan oleh pihak eksternal Good Corporate Governance carried out by external
(independen); (independent) parties;
c. Bekerjasama dengan pihak ketiga untuk c. Collaborate with third parties to provide training
menyelenggarakan pelatihan terkait pengelolaan related to compliance risk management, including
risiko kepatuhan, termasuk mengenai anti anti-money laundering and gratification.
pencucian uang dan gratifikasi.
9. Risiko Reputasi adalah risiko yang timbul akibat 9. Reputational Risk is the risk arising from a decline in
menurunnya tingkat kepercayaan pemangku stakeholder trust due to negative perceptions of the
kepentingan akibat persepsi negatif terhadap Company. The Company manages Reputational Risk by:
Perseroan. Pengelolaan Risiko Reputasi oleh Perseroan
antara lain dilakukan dengan:
a. Meningkatkan citra merek dan pengakuan melalui a. Rebranding and campaigns to improve brand image
rebranding dan kampanye; and recognition;
b. Menyediakan saluran resmi untuk menerima b. Providing an official channel to receive complaints
keluhan dan pertanyaan dari nasabah melalui Tugu and questions from customers, namely Tugu
Insurance Assistant (Call TIA) 1500458; Insurance Assistant (Call TIA) 1500458;
c. Memantau dan mengevaluasi berbagai pemberitaan c. Monitoring and evaluating various reports in print,
di media cetak, online, elektronik, dan media sosial online, electronic, and social media periodically
secara berkala untuk mengukur efektivitas aktivitas to assess the effectiveness of the Company’s
publikasi dan komunikasi Perseroan. publications and communication activities.
Penilaian Tingkat Kesehatan Perseroan
Company Soundness Level Assessment
Berdasarkan Surat Edaran Otoritas Jasa Keuangan Based on the Financial Services Authority Circular Letter
(SEOJK) No. 01/SEOJK.05/2021, Perseroan secara umum (SEOJK) No. 01/SEOJK.05/2021, the Company’s condition
dalam kondisi sehat dan dinilai mampu menghadapi is generally sound and is considered capable of facing
dampak negatif yang signifikan dari perubahan kondisi significant negative influences from changes in business
bisnis dan faktor eksternal lainnya. Hal ini tercermin conditions and other external factors. This is reflected in
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
dalam peringkat faktor-faktor penilaian Tingkat Kesehatan the rating of the Soundness Rating Factors for Non-Bank
Lembaga Jasa Keuangan Non-Bank sebagaimana diatur Financial Services Institutions as outlined in SEOJK No.
dalam SEOJK No. 01/SEOJK.05/2021, yang mencakup 01/SEOJK.05/2021, which includes four key assessment
empat faktor penilaian, yaitu: factors, namely:
• Tata Kelola Perusahaan yang Baik; • Good Corporate Governance;
• Profil Risiko; • Risk Profile;
• Rentabilitas; • Profitability;
• Permodalan. • Capital.
Pada tahun 2024, Perseroan melakukan penilaian In 2024, the Company conducted an independent self-
mandiri terhadap Peringkat Komposit Tingkat Kesehatan assessment of the Composite Rating of the Insurance
dengan hasil menunjukkan Peringkat Komposit 2 Company’s Soundness Level, resulting in a Composite
(dua). Hal ini mencerminkan bahwa Perseroan secara Rank of 2 (two). This indicates that the Company’s
umum dalam kondisi sehat, sehingga dinilai mampu condition is generally sound, and thus capable of facing
menghadapi dampak negatif yang signifikan dari significant negative impacts from changes in business
perubahan kondisi bisnis dan faktor eksternal lainnya. Hal conditions and other external factors. This is reflected
ini juga tercermin dari peringkat faktor-faktor penilaian, in the ratings of the assessment factors, including the
seperti penerapan Tata Kelola Perusahaan yang Baik, effective implementation of Good Corporate Governance,
Profil Risiko, Rentabilitas, dan Permodalan yang secara a solid Risk Profile, good Profitability, and overall
keseluruhan baik. strong Capital.
Faktor Penilaian Peringkat Definisi Peringkat
No.
Assessment Factor Rank Ranking Definition
1 Tata Kelola 1 Manajemen Perusahaan telah melakukan Penerapan Tata Kelola Perusahaan Yang Baik yang
Perusahaan yang baik secara umum Sangat Baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip
bagi Perusahaan Tata Kelola Perusahaan Yang Baik.
Good Corporate
Governance for the The Company's management has implemented Good Corporate Governance (GCG) with an
Company overall assessment of Very Good. This is reflected in the adequate fulfillment of Good Corporate
Governance principles.
2 Profil Risiko 2 Secara umum dengan mempertimbangkan aktivitas bisnis yang dilakukan perusahaan,
Risk Profile kemungkinan kerugian yang dihadapi perusahaan dari risiko inheren komposit tergolong rendah
selama periode waktu tertentu pada masa datang dan Kualitas Penerapan Manajemen Risiko
secara komposit memadai, dalam hal terdapat kelemahan minor maka kelemahan tersebut perlu
segera mendapatkan perhatian manajemen untuk diperbaiki.
In general, considering the company's business activities, the potential losses from composite
inherent risks are classified as low over a certain period in the future, and the overall
implementation quality of risk management is adequate. However, if there are minor weaknesses,
these should be promptly addressed by management for improvement.
3 Rentabilitas 2 Rentabilitas Perusahaan memadai, laba Perusahaan melebihi target, dan mendukung
Profitability pertumbuhan permodalan. Beberapa faktor utama yang mempengaruhi penilaian kinerja
Perusahaan dalam menghasilkan laba.
The Company's profitability is adequate, with profits exceeding targets and supporting capital
growth. Several key factors influence the Company's performance assessment in generating profit.
4 Permodalan 2 Perusahaan memiliki kualitas dan kecukupan permodalan yang memadai relatif terhadap Profil
Capital Risiko, yang disertai dengan pengelolaan yang kuat sesuai dengan karakteristik, skala usaha, dan
kompleksitas usaha Perusahaan.
The Company has adequate capital quality and sufficiency relative to its Risk Profile, supported
by strong management in accordance with the Company's characteristics, business scale, and
complexity.
Peringkat Komposit Tingkat 2 Mencerminkan kondisi Perusahaan yang secara umum sehat, sehingga dinilai mampu menghadapi
Kesehatan pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lain tercermin
Composite Rating of dari peringkat faktor-faktor penilaian antara lain Penerapan Tata Kelola Perusahaan Yang Baik Bagi
Soundness Level Perusahaan, Profil Risiko, Rentabilitas dan Permodalan yang secara umum baik.
It reflects the Company's overall healthy condition, indicating its ability to withstand significant
negative impacts from changes in business conditions and other external factors. This is
evidenced by the ratings of various assessment factors, including the implementation of Good
Corporate Governance, Risk Profile, Profitability, and Capital, which are generally in good standing.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Penilaian Tingkat Kesehatan Perseroan Konsolidasi
Consolidated Assessment of the Soundness Level of the Company
Tugu Insurance merupakan entitas induk dari konsolidasi Tugu Insurance is the parent entity of the TUGU Group
keuangan TUGU Group dan penerapan Manajemen Risiko financial consolidation and the implementation of
terintegrasi. Oleh karena itu, Perseroan diwajibkan untuk integrated Risk Management. Therefore, the Company is
menyusun dan melaporkan Tingkat Kesehatan secara required to compile and report a Consolidated Soundness
konsolidasi sesuai dengan SEOJK No. 1/SEOJK.05/2021 Level in accordance with SEOJK No. 1/SEOJK.05/2021,
tentang Penilaian Tingkat Perusahaan Asuransi, which pertains to the Level Assessment of Insurance
Perusahaan Asuransi Syariah, dan Perusahaan Reasuransi Companies, Sharia Insurance Companies, and Sharia
Syariah. Penilaian dilakukan menggunakan metode Reinsurance Companies. The assessment is carried out
penilaian sendiri dengan model Risk Based Nonbank Rating using a self-assessment method with the Risk-Based Non-
(RBNBR) yang melibatkan penilaian tingkat kesehatan yang Bank Rating (RBNBR) model by evaluating the soundness
harus dikelola dalam Manajemen Risiko konsolidasi. level that must be managed within the consolidated
Risk Management.
Hasil self-assessment tingkat kesehatan konsolidasi The results of Tugu Insurance’s self-assessment of
keuangan Tugu Insurance mencerminkan gabungan the financial consolidation soundness level are a
dari penilaian diri anggota konsolidasi keuangan dari combination of self-assessments from the Company’s
Perseroan, anak perusahaan, dan afiliasi. Peringkat financial consolidation members, subsidiaries, and sub-
Komposit Tingkat Kesehatan Perseroan per 31 Desember subsidiaries. The Composite Rating of the Company’s
2024, berdasarkan penilaian konsolidasi dengan anak Soundness Level as of December 31, 2024, in the
perusahaan/cucu perusahaan dan afiliasi, berada consolidated assessment with subsidiaries, sub-
pada Peringkat 2 (dua). Berdasarkan SEOJK No. 1/ subsidiaries, and affiliates, is at Rank 2 (two). Based
SEOJK.05/2021, hal ini menunjukkan bahwa Perseroan on SEOJK No. 1/SEOJK.05/2021, this reflects that the
secara umum dalam kondisi sehat dan dinilai mampu Company’s condition is generally good and is considered
menghadapi pengaruh negatif yang signifikan akibat capable of facing significant negative impacts from
perubahan kondisi bisnis dan faktor eksternal lainnya. changes in business conditions and other external
Hal ini tercermin dari faktor-faktor penilaian, antara lain factors. This is reflected in the ranking of assessment
Penerapan Tata Kelola Perusahaan yang Baik, Profil factors, including the Implementation of Good Corporate
Risiko, Rentabilitas, dan Permodalan yang secara umum Governance for the Company, Risk Profile, Profitability, and
sangat baik. generally very good Capital.
Faktor Penilaian Peringkat Definisi Peringkat
No.
Assessment Factor Rank Ranking Definition
1 Tata Kelola 1 Penerapan Tata Kelola Perusahaan Yang Baik sudah dilakukan dengan Sangat Baik, dalam hal
Perusahaan yang baik terdapat kelemahan penerapan prinsip Tata Kelola Perusahaan Yang Baik, maka secara umum
bagi Perusahaan kelemahan tersebut tidak signifikan dan dapat segera dilakukan perbaikan oleh manajemen
Good Corporate Perusahaan.
Governance for the
Company The implementation of Good Corporate Governance has been carried out Very Well. In cases where
there are weaknesses in applying Good Corporate Governance principles, these weaknesses are
generally not significant and can be promptly addressed by the Company's management.
2 Profil Risiko 2 Secara umum dengan mempertimbangkan aktivitas bisnis yang dilakukan perusahaan,
Risk Profile kemungkinan kerugian yang dihadapi perusahaan dari risiko inheren komposit tergolong rendah
selama periode waktu tertentu pada masa datang dan Kualitas Penerapan Manajemen Risiko
secara komposit memadai, dalam hal terdapat kelemahan minor maka kelemahan tersebut perlu
segera mendapatkan perhatian manajemen untuk diperbaiki.
In general, considering the company's business activities, the potential losses from composite
inherent risks are classified as low over a certain period in the future. The overall quality of Risk
Management implementation is adequate. However, if there are minor weaknesses, they should be
promptly addressed by management for improvement.
3 Rentabilitas 2 Rentabilitas Perusahaan memadai, laba Perusahaan melebihi target, dan mendukung
Profitability pertumbuhan permodalan. Beberapa faktor utama yang mempengaruhi penilaian kinerja
Perusahaan dalam menghasilkan laba.
The Company's profitability is adequate, with profits exceeding targets and supporting capital
growth. Several key factors influence the assessment of the Company's performance in generating
profit.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Faktor Penilaian Peringkat Definisi Peringkat
No.
Assessment Factor Rank Ranking Definition
4 Permodalan 2 Perusahaan memiliki kualitas dan kecukupan permodalan yang memadai relatif terhadap Profil
Capital Risiko, yang disertai dengan pengelolaan yang kuat sesuai dengan karakteristik, skala usaha, dan
kompleksitas usaha Perusahaan.
The Company has adequate capital quality and sufficiency relative to its Risk Profile, supported by
strong management aligned with the Company's characteristics, business scale, and complexity.
Peringkat Komposit Tingkat 2 Mencerminkan kondisi Perusahaan yang secara umum sehat, sehingga dinilai mampu menghadapi
Kesehatan pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lain tercermin
Composite Rating of dari peringkat faktor-faktor penilaian antara lain Penerapan Tata Kelola Perusahaan Yang Baik Bagi
Soundness Level Perusahaan, Profil Risiko, Rentabilitas dan Permodalan yang secara umum baik.
It reflects the Company's overall healthy condition, indicating its ability to withstand significant
negative impacts from changes in business conditions and other external factors. This is
evidenced by the ratings of various assessment factors, including the implementation of Good
Corporate Governance, Risk Profile, Profitability, and Capital, which are generally in good standing.
Penilaian Peringkat Profil Risiko Perseroan Individual
Individual Company Risk Profile Rating Assessment
Peringkat Komposit Profil Risiko Perseroan secara individu Individual Company Risk Profile Rating Assessment
pada periode 31 Desember 2024 adalah Peringkat The Composite Rating of the Company’s individual Risk
2 (dua). Peringkat Risiko Inheren pada periode 31 Profile for the period ending 31 December 2024, is
Desember 2024 tergolong Peringkat 2 (Sedang Rendah), assessed at Rank 2 (two). The Inherent Risk Rating for the
sementara Kualitas Penerapan Manajemen Risiko (KPMR) same period is classified as Rank 2 (Low to Moderate),
pada periode 31 Desember 2024 tergolong Peringkat 2 while the Quality of Risk Management Implementation
(Agak Kuat). Hal ini berarti kemungkinan kerugian yang (KPMR) for the same period is classified as Rank 2
dihadapi selama periode waktu tertentu di masa depan (Satisfactory). This indicates that the likelihood of losses
untuk Tingkat Risiko Inheren tergolong Rendah, serta during a specified future period for the Inherent Risk Level
Kualitas Penerapan Manajemen Risiko (KPMR) memadai is considered Low, and the Quality of Risk Management
meskipun terdapat beberapa kelemahan minor yang dapat Implementation (KPMR) is deemed adequate, despite
diselesaikan dalam aktivitas bisnis normal. a few minor weaknesses that can be addressed during
normal business operations.
Tingkat Kualitas Penerapan
Jenis Risiko Tingkat Risiko Inheren Manajemen Risiko Peringkat Tingkat Risiko
Type of Risk Level of Inherent Risk Level of Risk Management Risk Rank
Implementation Quality
Risiko Strategis 2 2 2
Strategic Risk
Risiko Operasional 1 2 1
Operational Risk
Risiko Asuransi 2 2 2
Insurance Risk
Risiko Kredit 2 2 2
Credit Risk
Risiko Pasar 2 2 2
Market Risk
Risiko Likuiditas 1 2 1
Liquidity Risk
Risiko Hukum 2 2 2
Legal Risk
Risiko Kepatuhan 2 2 1
Compliance Risk
Risiko Reputasi 2 2 2
Reputation Risk
Peringkat Komposit 2 2 2
Composite Rating
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Atas Efektivitas Sistem Manajemen Risiko
Review of Risk Management System Effectiveness
Berdasarkan Peringkat Komposit Tingkat Kesehatan Based on the Composite Rating of Risk Based Non Bank
Perseroan secara individu maupun konsolidasi per 31 Rating individually and consolidated as of 31 December
Desember 2024 mencerminkan kondisi Perseroan yang 2024, it reflects the generally good condition of the
secara umum sehat, hal ini mencerminkan kondisi Company, this reflects the generally healthy condition
Perseroan yang secara umum sehat, sehingga dinilai of the Company, so that it is considered capable of
mampu menghadapi pengaruh negatif yang signifikan facing significant negative influences from changes in
dari perubahan kondisi bisnis dan faktor eksternal lain business conditions and other external factors, reflected
tercermin dari peringkat faktor-faktor penilaian antara in the ranking of assessment factors including the
lain Penerapan Tata Kelola Perusahaan Yang Baik, Profil Implementation of Good Corporate Governance, Risk
Risiko, Rentabilitas dan Permodalan yang secara umum Profile, Profitability and Capital which are generally good.
baik. Dengan kata lain, Manajemen Risiko telah diterapkan
dengan baik dan efektif.
Perusahaan telah melaksanakan sistem pengendalian The Company has implemented an effective and adequate
internal yang efektif dan memadai tercermin dari internal control system as reflected in the effectiveness
efektivitas pelaksanaan fungsi pengendalian internal of the implementation of internal control functions
seperti audit internal, manajemen risiko, kepatuhan dan such as internal audit, risk management, compliance
pengendalian internal dari fungsi operasional dan fungsi and internal control of the Company’s operational and
bisnis Perusahaan. business functions.
Pernyataan Direksi atas Kecukupan Manajemen Risiko
Board of Directors’ Statement on Risk Management System Adequacy
Berdasarkan hasil evaluasi yang telah dilakukan, Based on the evaluation conducted, Management
Manajemen menyimpulkan bahwa penerapan Sistem concludes that the implementation of the Company’s
Manajemen Risiko di Perseroan telah memadai dalam Risk Management System is adequate in safeguarding
melindungi Perseroan dari potensi kerugian yang the Company from potential losses arising from
dapat timbul akibat kegiatan usaha serta mendukung business activities and in supporting the achievement of
pencapaian sasaran yang telah ditetapkan. established objectives.
Manajemen juga menilai bahwa pengelolaan risiko Management also assesses that the strategic, operational,
strategis, operasional, asuransi, kredit, pasar, likuiditas, insurance, credit, market, liquidity, legal, compliance, and
hukum, kepatuhan, dan reputasi di Perseroan telah reputational risks management in the Company has been
dijalankan secara memadai. Mekanisme identifikasi, conducted adequately. The mechanisms for identifying,
mitigasi, serta pemantauan terhadap masing-masing mitigating, and monitoring each risk category have been
kategori risiko telah diterapkan secara efektif untuk effectively implemented to maintain the Company's
menjaga stabilitas dan keberlanjutan bisnis Perseroan. stability and business sustainability.
Selain itu, Manajemen memandang bahwa Perseroan, Furthermore, Management considers that the Company’s
baik individual maupun secara konsolidasi, berada dalam condition, both individually and on a consolidated basis, is
kondisi sehat. in a healthy state.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
8.
Tata Kelola Teknologi Informasi
Information Technology Governance
Teknologi Informasi (TI) merupakan salah satu aspek Information Technology (IT) is an important aspect in
penting dalam mendukung inovasi digital Tugu Insurance. supporting Tugu Insurance’s digital innovation. The
Penerapan TI menjadi bentuk wujud nyata Perseroan application of IT is a concrete manifestation of the
dalam upaya adaptasi terhadap perkembangan bisnis Company’s efforts to adapt to business developments,
serta menghadirkan layanan berkualitas dan menyediakan deliver quality services, and provide easy online access
kemudahan akses daring secara cepat, kapan saja, dan quickly, anytime, and anywhere. The rapid development of
di mana saja. Perkembangan dunia TI yang semakin the IT world drives the Company to continuously improve
pesat mendorong Perseroan untuk terus berupaya IT implementation, which is expected to strengthen its
mengembangkan penerapan TI, sehingga diharapkan position in facing increasingly competitive business
Perseroan dapat memperkuat posisi dalam menghadapi challenges by integrating all existing businesses,
persaingan usaha yang semakin kompetitif dengan particularly in the insurance sector.
mengintegrasikan seluruh bisnis yang ada, khususnya
dalam bidang usaha perasuransian.
Visi dan Misi Tata Kelola Teknologi Informasi
Vision and Mission of Information Technology Governance
Mewujudkan peran IT sebagai enabler dalam menunjang Realizing IT’s role as enabler in supporting the
pencapaian visi Perusahaan. Company’s vision.
Struktur Pengelola Teknologi Informasi
Information Technology Management Structure
Teknologi Informasi di Tugu Insurance dikelola oleh Information Technology at Tugu Insurance is managed by
Direktur Keuangan dan Layanan Korporat, Bapak Emil the Director of Finance and Corporate Services, Mr. Emil
Hakim, dengan struktur organisasi sebagai berikut: Hakim, with the following organizational structure:
Finance & Corporate
Service Directorate
IT Group
Master Data Infrastructure &
ERP Dept
Management Dept. IT Security Dept.
ITF Group dipimpin oleh Plt Arga Fajar Syah sebagai ITF Group is led by Plt Arga Fajar Syah as the ITF Group
Kepala ITF Group dan bertanggung jawab langsung kepada Head and reports directly to the Director of Finance and
Direktur Keuangan dan Layanan Korporat. Corporate Services.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dukungan New Core System dalam Aktivitas Bisnis
Support of the New Core System in Business Activities
Tugu Insurance telah melakukan implementasi Enterprise Support of the New Core System in Business Activities
Resource Planning (ERP) baru yang mengintegrasikan Tugu Insurance has implemented a new Enterprise
seluruh proses bisnis dalam perseroan baik bisnis Resource Planning (ERP) system that integrates all
korporasi dan bisnis ritel. Dengan adanya ERP sistem business processes within the company, covering both
yang baru Tugu Insurance akan semakin tangkas dalam corporate and retail businesses. With this new ERP
melakukan penetrasi bisnis, ini karena ERP sistem yang system, Tugu Insurance will be more agile in business
baru didukung dengan teknologi terkini namun tetap penetration, as it is supported by the latest technology
sesuai dengan kebutuhan. while remaining aligned with the company’s needs.
Core System Middleware Technology
tfriends
Document
E-Material, E-Sign,
H2H Payment Management
& E-Stamp
tdrive Trapps Actuarial Engine System
Payment Gateway API Gateway
Bengkel Financial Products
WRIIS
Net Subledger (FPSL)
Tugu Insurance Core ERP Finance System
System (TICS) (SAP)
Support System
• Mkt & UW Module • Sales & Distribution
a. Policy Auto Module Module
b. Reins Coins Placing • Material Management
Module Module Tugu
c. Risk Matrix Module • Project System Module Sharia KnoTS Workflow ITSM DOTS
d. Exposure Analysis • Funds Management ERP Core Tugu
- Reinsurance Module System Strategic
Module • Contract Lease Mgt
- Claim Module Module • Quality
Mgt Tugu
• Cash & Liquidity Mgt T-ERMS TOFAP TTS
Portal
Module Module
• Treasury & Risk Mgt • Project
Module Mgt
Data
• Finance & Controlling Module
CGMIS HRMS TUFLEET Science
Module Tools
Data Warehouse
Management Information System (MIS)
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Cyber Security (Keamanan Dunia Maya)
Cyber Security
Keamanan dunia maya, atau cyber security, mengacu Cyber Security refers to practices and technologies
pada praktik dan teknologi yang dirancang untuk designed to protect computer systems, devices, networks,
melindungi sistem komputer, perangkat, jaringan, dan and data from cyber attacks, damage, or unauthorized
data dari serangan, kerusakan, atau akses yang tidak access. Its goal is to prevent, detect, and respond to cyber
sah. Tujuannya adalah untuk mencegah, mendeteksi, threats that could compromise the integrity, confidentiality,
dan merespons ancaman siber yang dapat mengganggu and availability of critical information. Cyber security
integritas, kerahasiaan, dan ketersediaan informasi practices are not just limited to individuals, but also
penting. Praktik keamanan dunia maya dilakukan tidak implemented by companies and other organizations. The
hanya oleh individu, tetapi juga oleh perusahaan dan objective is to protect data centers and other computer
organisasi lainnya. Tindakan ini bertujuan untuk melindungi infrastructure from unauthorized access. An effective
pusat data dan infrastruktur komputer dari akses yang cyber security strategy provides robust protection against
tidak sah. Strategi keamanan dunia maya yang efektif attacks that attempt to access, modify, delete, or extort
dapat memberikan lapisan perlindungan yang kuat sensitive data and systems. Cyber security is also
terhadap serangan yang berusaha mengakses, mengubah, crucial in preventing attacks that try to disrupt or halt the
menghapus, atau memeras data dan sistem sensitif. operations of systems and devices.
Keamanan dunia maya juga berperan penting dalam
mencegah serangan yang bertujuan mengganggu atau
bahkan menghentikan operasi sistem dan perangkat.
Ada beberapa jenis keamanan dunia maya yang fokus There are various types of cyber security focusing on
pada perlindungan aspek-aspek tertentu dari sistem dan protecting specific aspects of systems and data, including:
data, antara lain:
1. Keamanan Jaringan: Melindungi infrastruktur 1. Network Security: Protecting network infrastructure
jaringan dari serangan dan ancaman. Ini mencakup from cyber attacks and threats. This includes firewall
konfigurasi firewall, deteksi intrusi, enkripsi data, dan configuration, intrusion detection, data encryption, and
manajemen akses; access management;
2. Keamanan Perangkat Lunak: Fokus pada perlindungan 2. Software Security: Protecting applications and
aplikasi dan sistem operasi dari serangan perangkat operating systems from malicious software attacks
lunak berbahaya seperti virus, worm, trojan, dan such as viruses, worms, trojans, and ransomware. This
ransomware. Ini melibatkan pembaruan perangkat involves regular software updates, malware scanning,
lunak secara teratur, pemindaian malware, dan and the implementation of security policies;
penerapan kebijakan keamanan;
3. Keamanan Perangkat Keras: Mengamankan perangkat 3. Hardware Security: Securing computer hardware
keras komputer seperti server, router, dan perangkat like servers, routers, and storage devices from
penyimpanan dari akses yang tidak sah dan kerusakan unauthorized access and physical damage. This
fisik. Ini melibatkan penggunaan teknologi seperti includes technologies like disk encryption and physical
enkripsi disk dan kontrol akses fisik; access controls;
4. Keamanan Data: Melindungi data sensitif dari akses 4. Data Security: Protecting sensitive data from
yang tidak sah, pencurian, atau penghapusan yang unauthorized access, theft, or deletion. This involves
tidak sah. Ini melibatkan enkripsi data, manajemen hak data encryption, access management, and data
akses, dan pemulihan data; recovery procedures;
5. Keamanan Identitas: Fokus pada perlindungan 5. Identity Security: Focused on protecting user identities
identitas pengguna dari pencurian dan penggunaan from theft and unauthorized use. This includes multi-
yang tidak sah. Ini mencakup penggunaan otentikasi factor authentication, identity management, and
multi-faktor, manajemen identitas, dan pemantauan monitoring user activity;
aktivitas pengguna;
6. Keamanan Aplikasi Web: Melindungi aplikasi web dari 6. Web Application Security: Protecting web applications
berbagai serangan seperti SQL injection, cross-site from attacks such as SQL injection, cross-site scripting
scripting (XSS), dan cross-site request forgery (CSRF). (XSS), and cross-site request forgery (CSRF). It involves
Ini melibatkan pengembangan kode yang aman, developing secure code, scanning for vulnerabilities,
pemindaian keamanan aplikasi, dan konfigurasi server and proper server configuration;
yang tepat;
7. Keamanan Cloud: Fokus pada perlindungan data 7. Cloud Security: Protecting data and applications stored
dan aplikasi yang disimpan di lingkungan cloud. Ini in cloud environments. This includes data encryption,
melibatkan penggunaan enkripsi data, manajemen identity management, and strict access controls;
identitas, dan kontrol akses yang ketat;
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
8. Keamanan Mobile: Mengamankan perangkat 8. Mobile Security: Securing mobile devices and
mobile dan aplikasi dari serangan seperti malware, applications from threats like malware, network
serangan jaringan, dan pencurian data. Ini melibatkan attacks, and data theft. This involves using mobile
penggunaan perangkat lunak keamanan mobile, security software, data encryption, and access
enkripsi data, dan manajemen hak akses; dan management; and
9. Keamanan Endpoint: Melindungi perangkat akhir 9. Endpoint Security: Protecting endpoint devices like
seperti komputer pribadi, laptop, dan smartphone dari personal computers, laptops, and smartphones from
serangan dan ancaman. Ini melibatkan penggunaan attacks. This includes using endpoint security software,
perangkat lunak keamanan endpoint, deteksi ancaman threat detection, and device management.
lanjutan, dan manajemen perangkat.
Beberapa ancaman keamanan dunia maya yang umum Common cyber security threats include:
terjadi, antara lain:
1. Malware: Termasuk virus, worm, trojan, ransomware, 1. Malware: Including viruses, worms, trojans,
dan spyware yang dapat merusak sistem, mencuri data, ransomware, and spyware that can damage systems,
atau memeras uang dari korban; steal data, or extort money;
2. Serangan Phishing: Upaya untuk memperoleh informasi 2. Phishing Attacks: Attempts to acquire sensitive
sensitif seperti kata sandi dan informasi keuangan information, such as passwords or financial data, by
dengan menyamar sebagai entitas tepercaya melalui impersonating trusted entities through email, text, or
email, pesan teks, atau media sosial; social media;
3. Serangan DDoS: Serangan yang bertujuan untuk 3. DDoS Attacks: Attacks that aim to make online
membuat layanan online tidak tersedia dengan services unavailable by overwhelming a server or
mengirimkan lalu lintas internet yang sangat besar ke network with large amounts of internet traffic;
server atau jaringan;
4. Serangan Man-in-the-Middle (MitM): Penyerang mencuri 4. Man-in-the-Middle (MitM) Attacks: Where attackers
atau memanipulasi komunikasi antara dua pihak yang intercept or manipulate communications between two
seharusnya aman, seperti pengguna dan server; secure parties, such as a user and a server;
5. Serangan Ransomware: Perangkat lunak berbahaya 5. Ransomware: Malicious software that encrypts a
yang mengenkripsi data korban dan meminta victim’s data and demands a ransom payment for the
pembayaran tebusan untuk mendapatkan decryption key;
kunci dekripsi;
6. Pengintaian dan Pencurian Data: Penyerang mencari 6. Espionage and Data Theft: Attacks aimed at stealing
informasi rahasia, properti intelektual, atau data confidential data, intellectual property, or personal
pribadi untuk keuntungan finansial atau politik; dan information for financial or political motives; and
7. Serangan Insider: Ancaman dari dalam organisasi, 7. Insider Threats: Threats originating from within the
seperti pegawai yang tidak jujur atau mantan pegawai organization, like dishonest employees or former
yang masih memiliki akses ke sistem. employees with continued access to systems.
Keamanan dunia maya adalah aspek penting dalam dunia Cyber security is a vital and evolving aspect of the digital
digital yang terus berkembang. Melindungi sistem dan world. Protecting systems and data from cyber threats
data dari ancaman dunia maya membutuhkan kombinasi requires a strong combination of technical strategy,
strategi teknis, kebijakan, dan kesadaran pengguna policies, and user awareness. By understanding the scope
yang kuat. Dengan pemahaman yang baik tentang ruang of cyber security and potential threats, organizations
lingkup keamanan dunia maya dan ancaman yang mungkin can develop strategies to reduce risks and protect their
terjadi, organisasi dapat mengembangkan strategi yang digital assets.
efektif untuk mengurangi risiko dan melindungi aset
digital mereka.
Disaster Recovery (Pemulihan Bencana)
Disaster Recovery
Terjadinya bencana yang sering kali tidak dapat diprediksi Disasters that are often unpredictable encourage
mendorong perusahaan untuk selalu siap menghadapi the company to always be prepared to face the worst
kemungkinan terburuk di masa depan. Disaster Recovery possibilities in the future. Disaster Recovery (DR) is a
(DR) adalah konsep yang bertujuan untuk melindungi concept aimed at protecting all IT systems, applications,
semua sistem, aplikasi, dan perangkat IT dari berbagai and devices from various types of disasters that may
jenis bencana yang mungkin terjadi di masa depan. Tujuan occur in the future. The main goal of disaster recovery is
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
utama dari disaster recovery adalah untuk mengambil to take preventive measures against unexpected events in
langkah-langkah pencegahan terhadap kemungkinan the future.
kejadian yang tidak terduga.
Beberapa bencana atau kondisi yang dapat menyebabkan The following are some conditions or disasters that may
perusahaan harus melakukan Disaster Recovery require a company to implement Disaster Recovery:
antara lain:
1. Bencana Alam: Termasuk gempa bumi, banjir, badai, 1. Natural Disasters: Earthquakes, floods, storms,
tornado, kebakaran hutan, dan tanah longsor. Bencana tornadoes, forest fires, and landslides. Natural
alam seringkali dapat mengakibatkan kerusakan fisik disasters can often result in physical damage to a
pada infrastruktur IT dan pusat data perusahaan; company’s IT infrastructure and data centers;
2. Kegagalan Perangkat Keras: Kegagalan perangkat 2. Hardware Failure: Failure of hardware such as a primary
keras seperti server utama, penyimpanan data, atau server, data storage, or network device can disrupt
perangkat jaringan dapat mengganggu operasi bisnis. business operations. This can be caused by physical
Hal ini bisa disebabkan oleh kegagalan komponen fisik, component failure, overheating, or electrical failure;
overheat, atau kegagalan listrik;
3. Serangan Cyber: Serangan malware, ransomware, 3. Cyber Attacks: Malware attacks, ransomware,
serangan DDoS, atau serangan hacking lainnya dapat DDoS attacks, or other hacking attacks can cause
menyebabkan kerusakan pada sistem IT, pencurian damage to IT systems, data theft, or significant
data, atau gangguan layanan yang signifikan; service disruptions;
4. Kegagalan Perangkat Lunak: Kegagalan sistem operasi, 4. Software Failure: Failure of an operating system,
database, atau aplikasi bisnis kritis dapat mengganggu database, or critical business application can disrupt a
operasi normal perusahaan dan menyebabkan company’s normal operations and lead to data loss or
kehilangan data atau penurunan produktivitas; productivity decline;
5. Kegagalan Jaringan: Gangguan atau kegagalan jaringan 5. Network Failure: Widespread network disruption or
yang luas dapat menghentikan komunikasi antara failure can halt communications between systems,
sistem, pengguna, atau layanan eksternal, mengganggu users, or external services, disrupting the flow of
aliran informasi dan proses bisnis; information and business processes;
6. Kerusakan Fisik pada Infrastruktur IT: Kerusakan fisik 6. Physical Damage to IT Infrastructure: Physical damage
akibat kebakaran, banjir, atau kecelakaan lainnya dapat caused by fire, flood, or other accidents can damage
menyebabkan kerusakan pada perangkat keras, pusat hardware, data centers, or other IT facilities; and\
data, atau fasilitas IT lainnya; dan
7. Bencana Kesehatan atau Pandemi: Kejadian seperti 7. Health Disasters or Pandemics: Events such as
pandemi penyakit menular atau bencana kesehatan infectious disease pandemics or health crises may
dapat memaksa perusahaan untuk mengubah model force companies to alter their operating models or deal
operasi mereka atau menghadapi keterbatasan with limited human resource availability, requiring rapid
sumber daya manusia, sehingga memerlukan rencana and adaptive recovery plans.
pemulihan yang cepat dan adaptif.
Terdapat langkah-langkah dalam Disaster Recovery yang These are the steps in Disaster Recovery that need to be
perlu dilakukan oleh perusahaan, di antaranya: carried out by companies, including:
1. Perencanaan Disaster Recovery 1. Disaster Recovery Planning
a. Identifikasi Risiko: Perusahaan harus a. Risk Identification: Companies must identify
mengidentifikasi potensi bencana atau insiden yang potential disasters or incidents that could affect
dapat mempengaruhi operasi IT, seperti bencana IT operations, such as natural disasters, cyber-
alam, serangan cyber, kegagalan perangkat keras, attacks, hardware failures, and others;
dan lainnya;
b. Evaluasi Dampak: Memahami dampak potensial b. Impact Evaluation: Understand the potential
dari bencana atau insiden terhadap sistem IT, impact of a disaster or incident on IT systems,
termasuk waktu pemulihan yang diharapkan dan including expected recovery time and possible
kerugian finansial yang mungkin timbul; financial losses;
c. Penetapan Tujuan Pemulihan: Menetapkan tingkat c. Recovery Objective Setting: Establish required
layanan yang diperlukan dan target pemulihan service levels and Recovery Time Objective (RTO)
waktu (RTO) serta pemulihan titik (RPO) untuk and Recovery Point Objective (RPO) targets for
sistem dan data kritis; critical systems and data;
d. Pengembangan Rencana DR: Membuat rencana d. Disaster Recovery Plan Development: Create
detail yang mencakup langkah-langkah pemulihan, a detailed plan that includes recovery steps,
peran dan tanggung jawab personel, serta alat dan personnel roles and responsibilities, and required
sumber daya yang dibutuhkan. tools and resources.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
2. Implementasi dan Pengujian 2. Implementation and Testing
a. Infrastruktur Pemulihan: Membangun infrastruktur a. Recovery Infrastructure: Build a Disaster Recovery
DR yang sesuai dengan kebutuhan perusahaan, infrastructure that fits the company’s needs, such
seperti pusat data cadangan, sistem cadangan, dan as backup data centers, backup systems, and
solusi backup data; backup data solutions;
b. Pengujian Rencana: Melakukan pengujian reguler b. Plan Testing: Conduct regular testing of the
terhadap rencana DR untuk memastikan keefektifan Disaster Recovery plan to ensure the effectiveness
dan kesiapan sistem serta personel dalam and readiness of systems and personnel to deal
menghadapi bencana. Ini termasuk pengujian with disasters. This includes disaster scenario
skenario bencana, simulasi pemulihan, dan latihan testing, recovery simulations, and emergency
respons darurat. response drills.
3. Pelaksanaan dan Pemulihan 3. Implementation and Recovery
a. Aktivasi Rencana DR: Jika terjadi bencana atau a. Disaster Recovery Plan Activation: If a disaster or
insiden, perusahaan harus segera mengaktifkan incident occurs, the company must immediately
rencana DR sesuai dengan prosedur yang activate the Disaster Recovery plan according
telah ditetapkan; to procedures;
b. Pemulihan Sistem dan Data: Memulihkan sistem IT b. System and Data Recovery: Recover IT systems and
dan data penting sesuai dengan RTO dan RPO yang critical data in accordance with the RTO and RPO
telah ditetapkan dalam rencana DR; set in the Disaster Recovery plan;
c. Pemantauan dan Evaluasi: Memantau proses c. Monitoring and Evaluation: Monitor the recovery
pemulihan, mengevaluasi kinerja sistem, dan process, evaluate system performance, and adjust
menyesuaikan strategi pemulihan jika diperlukan. the recovery strategy if necessary.
Agar Disaster Recovery dapat dijalankan dengan baik For Disaster Recovery to be executed properly and
dan tepat, perusahaan perlu melakukan persiapan, precisely, companies need to make preparations,
di antaranya: which include:
1. Rencana Pemulihan Bencana yang Komprehensif: 1. Comprehensive Disaster Recovery Plan: Companies
Perusahaan harus memiliki rencana DR yang terperinci should have a detailed and well-structured Disaster
dan terstruktur dengan baik, yang mencakup langkah- Recovery plan that includes recovery measures for
langkah pemulihan untuk berbagai jenis bencana various types of disasters or incidents;
atau insiden;
2. Infrastruktur Cadangan: Membangun infrastruktur 2. Backup Infrastructure: Prepare an adequate backup
cadangan yang memadai, termasuk pusat data infrastructure, including a data backup center,
cadangan, sistem replikasi, dan solusi backup yang replication system, and reliable backup solutions;
dapat diandalkan;
3. Pengelolaan Data yang Efektif: Melakukan backup data 3. Effective Data Management: Perform regular data
secara teratur dan menyimpan salinan cadangan di backups and store backup copies in a secure location
lokasi yang aman dan terpisah dari pusat data utama; separate from the main data center;
4. Pelatihan dan Kesadaran Personel: Melatih personel 4. Personnel Training and Awareness: Train personnel
tentang prosedur pemulihan dan memberikan on recovery procedures and provide awareness on
kesadaran tentang pentingnya Disaster Recovery dalam the importance of Disaster Recovery in maintaining
menjaga kelangsungan bisnis; dan business continuity; and
5. Pengujian dan Revisi Teratur: Melakukan pengujian 5. Regular Testing and Revision: Conduct regular testing
berkala terhadap rencana DR dan melakukan revisi of the Disaster Recovery plan and make revisions
jika ada perubahan dalam infrastruktur IT atau if there are changes in the IT infrastructure or
lingkungan bisnis. business environment.
Dengan mempersiapkan dan melaksanakan rencana By preparing and executing disaster recovery plans
pemulihan bencana dengan baik, perusahaan dapat appropriately, companies can minimize the impact of any
meminimalkan dampak dari insiden yang tidak terduga dan unforeseen incidents and ensure continuous operational
memastikan kelangsungan operasional yang berkelanjutan sustainability in an increasingly complex and risk-prone
dalam lingkungan IT yang semakin kompleks dan rentan IT environment.
terhadap risiko.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Roadmap Teknologi Informasi
Information Technology Road Map
Dalam Rencana Jangka Panjang Perusahaan (RJPP), In preparing the Company’s Long-Term Plan (RJPP),
Perseroan berkontribusi secara mendalam dengan the Company makes a comprehensive contribution by
mempertimbangkan hasil analisis SWOT (Strength, considering the results of the SWOT (Strength, Weakness,
Weakness, Opportunity, and Threat). Penerapan Teknologi Opportunity, and Threat) analysis. The implementation of
Informasi (TI) merupakan salah satu dari 8 (delapan) IT is one of the 8 (eight) pillars of the Work Program set
pilar Program Kerja yang ditetapkan untuk memperkuat to strengthen the foundation of the Company’s business
fondasi pengembangan bisnis Perseroan dalam rangka development to execute the strategic policies in the
menjalankan kebijakan strategis dalam RJPP 2019-2026. Company’s Long-Term Plan (RJPP) 2019-2026.
Saat ini, Tugu Insurance sedang melakukan Currently, Tugu Insurance is developing its IT infrastructure
pengembangan TI yang dituangkan dalam Strategi inisiatif as outlined in the IT Initiative Strategy, which has been
TI dan disetujui Rapat KPTI yang dilakukan secara berkala. approved in regular KPTI Meetings. The scope of this
dengan cakupan hal-hal sebagai berikut: development includes the following:
1. Penyempurnaan Tata Kelola TI dan Sistem TI: 1. Improvement of IT Governance and IT Systems:
Memastikan bahwa pengelolaan TI dilakukan dengan Enhancing the governance and systems of IT to ensure
baik dan sistem TI dapat mendukung operasional they effectively support business operations;
bisnis yang efisien;
2. Penyediaan Aplikasi Baru untuk Dukungan 2. Provision of New Applications to Support Business
Proses Bisnis dan Pengimplementasian Big Data: Processes and Implement Big Data: Developing new
Mengembangkan aplikasi yang dapat mendukung applications that support business operations while
proses bisnis yang lebih efektif serta memanfaatkan leveraging big data to enhance decision-making
big data untuk analisis yang lebih mendalam; and operations;
3. Penyediaan Advanced Predictive Analytics: Implementasi 3. Provision of Advanced Predictive Analytics:
teknologi analitik canggih untuk memberikan nilai Implementing advanced predictive analytics as an
lebih dengan memaksimalkan pemanfaatan layanan TI effort to maximize the value derived from IT services
yang ada; and data insights;
4. Pelaksanaan Internet of Things (IoT): Mengintegrasikan 4. Implementation of Internet of Things (IoT):
IoT untuk memperkaya data eksternal dan Incorporating IoT technologies to enrich external data,
meningkatkan kualitas layanan serta pengambilan leading to more informed decisions and improved
keputusan; dan services; and
5. Penstabilan Sistem TI Secara Berkesinambungan: 5. Continuous Stabilization of IT Systems: Ensuring that
Melakukan upaya berkelanjutan untuk memastikan IT systems remain stable and resilient, supporting
sistem TI tetap stabil dan dapat diandalkan dalam business continuity and operational efficiency.
mendukung operasi perusahaan.
Adapun roadmap pengembangan TI sebagaimana tertuang The IT development roadmap, as outlined in the IT Initiative
dalam dokumen Strategy Inisiatif TI yang diperbaharui Strategy document, which is regularly updated, will focus
secara berkala, akan berfokus pada pencapaian di atas on achieving the aforementioned goals to support the
untuk mendukung pertumbuhan dan kelangsungan bisnis company’s business growth and sustainability in facing the
perusahaan dalam menghadapi tantangan industri yang evolving industry challenges.
semakin berkembang.
Pencapaian Teknologi Informasi Tahun 2024
Information Technology Achievements in 2024
Sepanjang tahun 2024, Perseroan telah melaksanakan Throughout 2024, the Company has implemented various
berbagai inisiatif Teknologi Informasi, antara lain: Information Technology initiatives, including:
• ERP SAP S/4 HANA untuk Sistem Keuangan; • ERP SAP S/4 HANA for the Finance System;
• Tugu Insurance Core System (TICS); • Tugu Insurance Core System (TICS);
• Tugu Sharia ERP Core System; • Tugu Sharia ERP Core System;
• Payment Gateway; • Payment Gateway;
• API Gateway; • API Gateway;
• Host-to-host Payment; • Host-to-Host Payment;
• DOTS (Digital Online Transaction System); dan • DOTS (Digital Online Transaction System); and
• Tugu Ticketing System. • Tugu Ticketing System.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Rencana Kerja Teknologi Informasi Tahun 2025
Information Technology 2025 Work Plan
Seiring dengan kebijakan strategis Perseroan yang In line with the Company’s strategic policies outlined in the
tercantum dalam RJPP, Tugu Insurance menyusun rencana RJPP, Tugu Insurance has developed the 2025 Information
kerja Teknologi Informasi untuk tahun 2025, antara lain: Technology Work Plan as follows:
1. ERP 1. ERP
a. Next Generation Front End system dengan AI a. Next-Generation Front-End System with AI
dan Blockchain; and Blockchain;
b. Penyempurnaan ERP Core System untuk automasi b. Enhancement of the ERP Core System for Business
proses bisnis; Process Automation;
c. Enhancement Management Information System; c. Enhancement of the Management
d. Implementasi Blockchain Backend. Information System;
2. Master Data & IT Governance d. Implementation of Blockchain Backend.
a. Penyempurnaan pedoman tata kelola 2. Master Data & IT Governance
Teknologi Informasi; a. Enhancement of IT Governance Guidelines;
b. Implementasi Tugu Know Your Customer System; b. Implementation of the Tugu Know Your
c. eWorkflow & eDocument (Centralization). Customer System;
3. Infrastructure & Facilities Dept. c. eWorkflow & eDocument (Centralization)
a. Revitalisasi Topologi Infrastruktur TI; 3. Infrastructure & Facilities Dept.
b. Implementasi IT Security System. a. Revitalization of IT Infrastructure Topology;
b. Implementation of IT Security System.
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9.
Perkara Hukum yang Dihadapi Perseroan,
Entitas Anak, Anggota Dewan Komisaris dan
Anggota Direksi yang Menjabat
Legal Cases Faced by The Company, Subsidiaries, Members of
The Board of Commissioners, and The Board of Directors
Per 31 Desember 2024, Anggota Direksi dan Anggota As of 31 December 2024, the members of the Board of
Dewan Komisaris Perseroan tidak terlibat dalam kasus Directors and the Board of Commissioners of the Company
hukum apapun dan/atau tidak sedang dalam proses are not involved in any legal cases and/or are not currently
beracara di lembaga pengadilan maupun arbitrase yang undergoing litigation in any court or arbitration that could
dapat memiliki dampak signifikan atau memberikan risiko have a significant impact or pose a risk to the Company.
bagi Perseroan.
In 2024, the Company faced several legal matters that
Pada tahun 2024, Perseroan menghadapi sejumlah are still in the process of resolution, with the details
perkara hukum yang masih dalam proses penyelesaian as follows:
dengan rincian sebagai berikut:
Pengaruh terhadap
Pokok Perkara Deskripsi Status Penyelesaian
No. Kondisi Perusahaan
Case Description Settlement Status
Potential Impact
1. Final Appeal No. 11 of 2022 (Civil), on Sengketa atas transaksi Sudah diputus oleh Final Meningkatkan laba
Appeal from CACV No. 548 of 2018 antara pemindahbukuan dan Appeal Court Hong kong konsolidasian Perseroan
PT Asuransi Tugu Pratama Indonesia Tbk penutupan rekening. dan berkekuatan hukum secara signifikan.
melawan Citibank Hongkong. tetap. Dalam hal ini perkara
dimenangkan oleh Tugu.
Final Appeal No. 11 of 2022 (Civil), on Appeal Dispute over fund transfer It has been decided by the Significantly increased
from CACV No. 548 of 2018 between PT transactions and account Final Appeal Court of Hong the Company's
Asuransi Tugu Pratama Indonesia Tbk and closure. Kong and has obtained legal consolidated profit.
Citibank Hong Kong. finality. In this case, the ruling
was in favor of Tugu.
2. Perkara No. 411/Pdt.G/2024/PN.Jkt.Tmr. Gugatan Hak atas Pengadilan Negeri Jakarta Tidak berpengaruh
antara PT Asuransi Tugu Pratama Indonesia Subrogasi, PT Asuransi Timur. terhadap laba/rugi
Tbk melawan PT Ganesa Dirgantara Tugu Pratama Indonesia konsilidasian Perseroan.
Tbk terhadap Tergugat (PT
Ganesa Dirgantara). Dalam
perkara Gugatan tersebut
juga melibatkan PT Mitra
Aviasi Perkasa sebagai
pihak Turut Tergugat.
Case No. 411/Pdt.G/2024/PN.Jkt.Tmr. Subrogation Rights Lawsuit, East Jakarta District Court. No impact on the
between PT Asuransi Tugu Pratama Indonesia filed by PT Asuransi Tugu Company's consolidated
Tbk and PT Ganesa Dirgantara. Pratama Indonesia Tbk profit/loss.
against the Defendant (PT
Ganesa Dirgantara). This
lawsuit also involves PT
Mitra Aviasi Perkasa as a
Co-Defendant.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pengaruh terhadap
Pokok Perkara Deskripsi Status Penyelesaian
No. Kondisi Perusahaan
Case Description Settlement Status
Potential Impact
3. Perkara No. 726/Pdt.G/2024/PN.JKT.SEL Gugatan Hak atas Pengadilan Negeri Jakarta Tidak berpengaruh
antara PT Asuransi Tugu Pratama Indonesia Subrogasi, PT Asuransi Selatan. terhadap laba/rugi
Tbk melawan PT Tegma Engineering. Tugu Pratama Indonesia konsilidasian Perseroan.
Tbk terhadap Tergugat
(PT Tegma Engineering).
Dalam perkara Gugatan
tersebut juga melibatkan PT
Rekayasa Industri sebagai
pihak Turut Tergugat.
Case No. 726/Pdt.G/2024/PN.JKT.SEL Subrogation Rights Lawsuit, South Jakarta District Court. No impact on the
between PT Asuransi Tugu Pratama Indonesia filed by PT Asuransi Tugu Company's consolidated
Tbk and PT Tegma Engineering. Pratama Indonesia Tbk profit/loss.
against the Defendant (PT
Tegma Engineering). This
lawsuit also involves PT
Rekayasa Industri as a Co-
Defendant.
4. Perkara No. 338/Pdt.G/2022/PN.Jkt.Tim Gugatan Hak atas Mahkamah Agung Republik Tidak berpengaruh
antara PT Asuransi Tugu Pratama Indonesia Subrogasi, PT Asuransi Indonesia. terhadap laba/rugi
Tbk melawan PT Jasa Angkasa Semesta Tbk, Tugu Pratama Indonesia konsilidasian Perseroan.
PT Transnusa Aviation Mandiri, Perusahaan Tbk terhadap Tergugat (PT
Umum Lembaga Penyelenggaraan Pelayanan Jasa Angkasa Semesta
Navigasi Penerbangan Indonesia dan PT Tbk, PT Transnusa Aviation
Angkasa Pura II (persero). Mandiri). Dalam perkara
Gugatan tersebut juga
melibatkan Perusahaan
Umum (PERUM) Lembaga
Penyelenggara Pelayanan
Navigasi Penerbangan
Indonesia selaku Turut
Tergugat l dan PT Angkasa
Pura II (Persero) selaku
turut Tergugat ll.
Case No. 338/Pdt.G/2022/PN.Jkt.Tim Subrogation Rights Lawsuit, Supreme Court of the Republic No impact on the
between PT Asuransi Tugu Pratama Indonesia filed by PT Asuransi Tugu of Indonesia. Company's consolidated
Tbk and PT Jasa Angkasa Semesta Tbk, Pratama Indonesia Tbk profit/loss.
PT Transnusa Aviation Mandiri, the Public against the Defendants
Corporation for Air Navigation Service (PT Jasa Angkasa Semesta
Providers of Indonesia, and PT Angkasa Pura Tbk, PT Transnusa Aviation
II (Persero). Mandiri). This lawsuit
also involves the Public
Corporation (PERUM) for
Air Navigation Service
Providers of Indonesia as
Co-Defendant I and PT
Angkasa Pura II (Persero)
as Co-Defendant II.
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Perkara Hukum yang Dihadapi Entitas Anak
Legal Cases Againts the Subsidiaries
Sepanjang tahun 2024, terdapat Entitas Anak menghadapi Throughout 2024, the Company’s Subsidiary is facing a
perkara hukum yang masih dalam proses penyelesaian. legal case that are still in the process of being resolved.
Pengaruh terhadap Kondisi
Pokok Perkara Deskripsi Status Penyelesaian
No. Perusahaan
Case Description Settlement Status
Potential Impact
1. Perkara No. 128/PDT.G/2019/ Gugatan Perbuatan Melawan Pengadilan Negeri Jakarta Tidak berpengaruh terhadap
PN.JKT.PST antara PT Tugu Hukum dari Penggugat (PT Tugu Pusat.* laba/rugi konsilidasian
Reasuransi Indonesia dengan Reasuransi Indonesia) terhadap Perseroan.
PT MNC Sekuritas. (PT MNC Sekuritas).
Case No. 128/PDT.G/2019/ Unlawful Act Lawsuit filed by the Central Jakarta District Court * No impact on the Company's
PN.JKT.PST between PT Tugu Plaintiff (PT Tugu Reasuransi consolidated profit/loss.
Reasuransi Indonesia and Indonesia) against the
PT MNC Sekuritas. Defendant (PT MNC Sekuritas).
* Mahkamah Agung menolak permohonan Peninjauan Kembali yang di ajukan oleh PT MNC Sekuritas sebagaimana Putusan Mahkamah Agung No. 357/PK/PDT/2024
tanggal 15 Mei 2024.
* The Supreme Court rejected the Judicial Review petition filed by PT MNC Sekuritas, as stated in Supreme Court Decision No. 357/PK/PDT/2024 dated 15 May
2024.
10.
Sanksi Administratif Terhadap Perseroan,
Anggota Dewan Komisaris, dan Anggota
Direksi yang Menjabat
Administrative Sanctions Imposed on The Company,
Members of The Board of Commissioners,
and Members of The Board of Directors
Hingga akhir tahun 2024, tidak terdapat sanksi As of the end of 2024, there were no administrative
administratif yang dikenakan pada Dewan Komisaris dan/ sanctions imposed on the current Board of Commissioners
atau Direksi yang sedang menjabat oleh Otoritas Jasa and/or Directors by the Financial Services Authority (OJK)
Keuangan (OJK) atau pihak berwenang lainnya. or any other authorities.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
11.
Kode Etik
Code of Conduct
Pedoman Sistematika Etika Usaha dan Tata Perilaku (Code of Conduct atau CoC)
Systematic Guideline of Business Ethics and Code of Conduct or CoC
Kode etik adalah pedoman yang mengikat yang mencakup A Code of Conduct is a binding set of guidelines that
etika bisnis, etika kerja, dan nilai-nilai yang harus encompasses business ethics, work ethics, and values
diimplementasikan oleh seluruh anggota perusahaan. Tugu that all personnel in the company must adhere to. In Tugu
Insurance memiliki Kode Etik sebagai pedoman perilaku Insurance, the Code of Conduct serves as a behavioral
yang menjadi acuan bagi organ perusahaan dan pegawai framework for the company’s leadership and employees
dalam menerapkan nilai-nilai perusahaan. Jika diterapkan in implementing the company’s core values. When applied
secara konsisten, nilai-nilai ini akan membentuk consistently, it shapes the company’s culture.
budaya perusahaan.
Kode Etik Tugu Insurance tercantum dalam Pedoman Tugu Insurance’s Code of Conduct is included in the
Sistematika Etika Usaha dan Tata Perilaku yang disahkan Systematic Guideline for Business Ethics and Code of
berdasarkan Surat Keputusan Direksi (SKD) PT Tugu Conduct, which was initially ratified based on PT Tugu
Pratama Indonesia No. 03/SKD/CSG-TPI/I/2009 tanggal Pratama Indonesia’s Board of Directors’ Decree (SKD) No.
15 Januari 2009. Pedoman ini telah diperbarui dengan 03/SKD/CSG-TPI/I/2009 dated 15 January 2009. It has
Pedoman No. A-003/9100/2017 Revisi Ke-1 pada tanggal since been updated with Guideline No. A-003/9100/2017
5 Desember 2017 yang diberlakukan dengan SKD No. Revision 1, dated 5 December 2017, which was enforced
007/SKD/CSG/TPI/II/2018 tanggal 7 Februari 2018, by SKD No. 007/SKD/CSG/TPI/II/2018, dated February
dan revitalisasi melalui Pedoman No. A-003/6500/2021 7, 2018, and later revitalized through Guideline No.
Revisi Ke-2 tanggal 25 Agustus 2021, yang diberlakukan A-003/6500/2021 Revision 2, dated 25 August 2021,
dengan SKD No. 67/SKD/06/ERL-ATPI/IX/2021 tanggal enforced by SKD No. 67/SKD/06/ERL-ATPI/IX/2021,
28 September 2021, mengenai Perubahan Pedoman dated 28 September 2021, which made changes to the
Sistematika Etika Usaha dan Tata Perilaku (Code of Systematic Guideline for Business Ethics and Code of
Conduct atau CoC) PT Asuransi Tugu Pratama Indonesia Conduct (CoC) of PT Asuransi Tugu Pratama Indonesia
Tbk. Pembaharuan pedoman ini dilakukan untuk Tbk. This revision was made to align the guidelines with
menyelaraskan dengan perkembangan perusahaan dan the company’s ongoing development and applicable
ketentuan yang berlaku. regulations.
Kode etik ini adalah salah satu dokumen dalam Soft The Code of Conduct is a key document within Tugu
Structure GCG Tugu Insurance yang menjadi acuan perilaku Insurance’s GCG Soft Structure and serves as a guideline
seluruh Insan Tugu. CoC ini wajib diterapkan oleh seluruh for the behavior of all Tugu personnel. It must be
anggota perusahaan, termasuk Dewan Komisaris beserta adhered to by all Tugu personnel, including the Board of
perangkatnya, Dewan Pengawas Syariah, Direksi, dan Commissioners and its members, the Sharia Supervisory
Pekerja Tugu Insurance dalam mengelola perusahaan Board, the Board of Directors, and Tugu Insurance
untuk mencapai visi, misi, dan tujuan perusahaan. Sebagai employees in managing the company to achieve its vision,
bagian dari komitmen dalam penerapan Kode Etik, seluruh mission, and objectives. As part of the commitment to
Insan Tugu diwajibkan untuk menandatangani pernyataan implementing the Code of Conduct, Tugu personnel are
kepatuhan dan integritas terhadap CoC. required to sign a statement of compliance and integrity
with the CoC.
Tujuan dari Pedoman Sistematika Etika Usaha dan Tata The purposes and objectives of Tugu Insurance’s
Perilaku Tugu Insurance adalah sebagai berikut: Systematic Guidelines for Business Ethics and Code of
Conduct are as follows:
1. Mengidentifikasi nilai dan standar etika yang selaras 1. To identify ethical values and standards that align with
dengan visi dan misi perusahaan; the company’s vision and mission;
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2. Menjabarkan nilai-nilai inti AKHLAK sebagai dasar etika 2. To outline the AKHLAK values as the ethical foundation
yang wajib diimplementasikan oleh Insan Tugu dalam that must be followed by Tugu personnel in carrying out
menjalankan tugas; their duties;
3. Menjadi acuan perilaku bagi Insan Tugu dalam 3. To serve as a behavioral guide for Tugu personnel in
menjalankan tugas dan tanggung jawab masing-masing performing their respective duties and responsibilities
serta berinteraksi dengan pemangku kepentingan; dan and interacting with stakeholders; and
4. Menjelaskan secara rinci standar etika yang membantu 4. To provide a detailed explanation of ethical standards,
Insan Tugu untuk menilai kegiatan yang diinginkan dan helping Tugu personnel assess the preferred course of
memberikan pertimbangan jika menemui keraguan action and offering guidance when faced with doubts in
dalam bertindak. their decision-making.
Pokok-Pokok Kode Etik
Principles of Code of Conduct
Pokok-pokok Kode Etik Tugu Insurance sebagaimana The key points of Tugu Insurance’s Code of Conduct as
termuat dalam Pedoman Sistematika Etika Usaha outlined in the Systematic Guidelines for Business Ethics
dan Tata Perilaku (Code of Conduct atau CoC) adalah and Code of Conduct (CoC) are as follows:
sebagai berikut:
1. Standar Etika Usaha: 1. Business Ethics Standards:
a. Etika Perusahaan dengan Pekerja; a. Company and Workers Ethics;
b. Etika Perusahaan dengan Pelanggan; b. Company and Customers Ethics;
c. Etika Perusahaan dengan Pesaing; c. Company and Competitors Ethics;
d. Etika Perusahaan dengan Anak Perusahaan; d. Company and Subsidiaries Ethics;
e. Etika Perusahaan dengan Mitra Kerja; e. Company and Counterparts Ethics;
f. Etika Perusahaan dengan Pemerintah/Regulator; f. Company and Government/Regulator Ethics;
g. Etika Perusahaan dengan Masyarakat; g. Company and the Society Ethics;
h. Etika Perusahaan dengan Pemegang Saham; h. Company and Shareholders Ethics;
i. Etika Perusahaan dengan Tertanggung; i. Company and Insured Ethics;
j. Etika Perusahaan dengan Perusahaan Reasuransi; j. Company and Reinsurance Ethics;
k. Etika Perusahaan dengan Agen; k. Company and Agent Ethics;
l. Etika Perusahaan dengan Penyedia Barang/Jasa/ l. Company and Suppliers Ethics;
Pemasok;
m. Etika Perusahaan dengan Media Massa; m. Company and Mass Media Ethics;
n. Etika Perusahaan dengan Organisasi Profesi n. Company and Professional and Industry
dan Industri; Organization Ethics;
o. Integritas Laporan Keuangan; o. Integrity of Financial Statements;
p. Persaingan Usaha yang Sehat. p. Healthy Business Competition Standards.
2. Standar Tata Perilaku: 2. Code of Conduct:
a. Etika Kerja Insan Tugu; a. Collaboration among Employees Ethics;
b. Kerahasiaan Data dan Informasi; b. Data and Information Confidentiality;
c. Aset/Harta Perusahaan; c. Corporate Assets/Properties;
d. Perjalanan Dinas; d. Business Trips;
e. Keamanan, Keselamatan, Kesehatan Kerja (K3) e. Occupational, Health, and Safety (OHS);
dan Lingkungan;
f. Data dan Pelaporan; f. Data and Reporting;
g. Benturan Kepentingan dan g. Conflict of Interest and Abuse of Power;
Penyalahgunaan Jabatan;
h. Hadiah/Cinderamata/Entertainment (Gratifikasi); h. Gifts/Souvenirs/Entertainment (Gratification);
i. Penyelenggaraan Jamuan Bisnis; i. Business Dinner;
j. Pelanggaran atas Peraturan Perundangan dan j. Violations of Company Regulations and Provisions;
Ketentuan Perusahaan;
k. Aktivitas Politik; k. Political Activities;
l. Tindak Pidana Pencucian Uang; l. Money Laundering;
m. Informasi Transaksi Orang Dalam (Insider Trading). m. Insider Trading.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sosialisasi dan Internalisasi
Dissemination and Internalization
Fungsi Compliance, bekerja sama dengan fungsi SDM, The Compliance function, in collaboration with the
bertanggung jawab atas pelaksanaan sosialisasi dan HR function, is responsible for implementing the
internalisasi Pedoman Sistematika Etika Usaha dan Tata dissemination and internalization of the Systematic
Perilaku (Code of Conduct) kepada seluruh Insan Tugu. Guidelines for Business Ethics and the Code of Conduct
Kegiatan sosialisasi dilakukan melalui email blast, flyer, to Tugu Personnel. Dissemination activities are carried out
dan komik bertemakan implementasi CoC, portal internal, through email blasts, flyers, and comics themed around
pengenalan kepada pegawai baru, dan penandatanganan the implementation of the Code of Conduct, an internal
Pakta Integritas oleh Dewan Komisaris, Dewan Pengawas portal, an introduction to new employees, and the signing
Syariah, Direksi, dan pekerja tetap. of the Integrity Pact by the Board of Commissioners, the
Sharia Supervisory Board, Directors, and permanent
employees.
Setiap Insan Tugu dapat meminta penjelasan atau Every Tugu Personnel member can request clarification
menyampaikan pertanyaan terkait dengan Etika Usaha dan or submit questions regarding Business Ethics and the
Tata Perilaku kepada atasan langsung, fungsi Compliance, Code of Conduct to their direct supervisor, the Compliance
atau fungsi SDM, jika membutuhkan penjelasan lebih function, or the HR function if further explanation
lanjut terkait etika perilaku yang berkaitan dengan is needed regarding ethical behavior related to the
pelaksanaan tugas dan tanggung jawabnya. performance of their duties and responsibilities.
Komitmen untuk Melaksanakan Pedoman Sistematika Etika Usaha dan Tata
Perilaku (Code of Conduct)
Commitment to Implementing Systematic Guideline of Business Ethics and Code of Conduct
Perseroan mendorong setiap Insan Tugu untuk melakukan The Company encourages every Tugu Personnel to
deklarasi komitmen dalam melaksanakan Pedoman declare their commitment to implementing the Systematic
Sistematika Etika Usaha dan Tata Perilaku (Code of Guidelines for Business Ethics and the Code of Conduct.
Conduct). Pernyataan komitmen Dewan Komisaris dan This commitment is documented in the form of an Integrity
Direksi didokumentasikan dalam bentuk Pakta Integritas Pact, which is signed by the Board of Commissioners and
yang ditandatangani oleh jajaran Dewan Komisaris dan the Board of Directors of Tugu Insurance. Employees’
Direksi Tugu Insurance. Pernyataan komitmen Pekerja commitment statements in implementing the Code of
dalam melaksanakan pedoman CoC dilakukan melalui Conduct guidelines are made through a system designed
sistem yang dibangun untuk kebutuhan Compliance Group, for the Compliance Group’s requirements, namely
yaitu Compliance Online System (COS) dan dilaksanakan the Compliance Online System (COS). This activity is
setiap tahun. conducted annually.
Penegakan Etika Usaha dan Tata Perilaku (Code of Conduct)
Enforcement of Business Ethics and Code of Conduct
Setiap Insan Tugu harus melaporkan setiap fakta Every Tugu Insurance Personnel must report any violations
penyimpangan Etika Usaha dan Tata Perilaku (Code of the Business Ethics and Code of Conduct to their
of Conduct) kepada atasannya atau Tim Penanganan supervisor or the Whistleblowing Team, with the reporter’s
Pelaporan Pelanggaran dengan identitas pelapor dilindungi. identity protected. The Whistleblowing Team follows up
Tim Penanganan Pelaporan Pelanggaran menindaklanjuti on each report and submits its findings to the Board of
setiap laporan dan menyampaikan hasil kajiannya kepada Directors according to their responsibilities. The Board of
Direksi sesuai dengan lingkup tanggung jawabnya. Direksi Directors determines the appropriate coaching actions,
memutuskan pemberian tindakan pembinaan, sanksi disciplinary sanctions, and/or corrective and preventive
disiplin dan/atau tindakan perbaikan serta pencegahan measures that must be implemented by direct supervisors
yang harus dilaksanakan oleh atasan langsung di in their respective areas. The sanctions applied are in
lingkungan masing-masing. Bentuk sanksi yang diberikan accordance with the applicable rules and regulations.
sesuai dengan peraturan/ketentuan yang berlaku.
Insan Tugu yang melakukan penyimpangan Etika Usaha Tugu Personnel who violate the Business Ethics and Code
dan Tata Perilaku (Code of Conduct) memiliki hak untuk of Conduct have the right to provide an explanation to
memberikan penjelasan di hadapan atasan langsung their direct supervisor before any coaching or disciplinary
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sebelum diberikan tindakan pembinaan atau hukuman actions are taken. The implementation of coaching,
disiplin. Pelaksanaan tindakan pembinaan, hukuman disciplinary actions, and/or corrective and preventive
disiplin dan/atau tindakan perbaikan serta pencegahan measures is carried out by the direct supervisor, with
dilakukan oleh atasan langsung dan dapat melalui bantuan assistance from the HR function if necessary.
fungsi SDM.
Sanksi terhadap Pelanggaran
Sanction for Violation
Perusahaan memberikan sanksi yang tegas dan konsisten The company imposes strict and consistent sanctions on
kepada Insan Tugu yang melakukan pelanggaran Code Insan Tugu who violate the Code of Conduct in accordance
of Conduct sesuai dengan ketentuan yang berlaku, with applicable regulations. Sanctions may include a
dengan pemberian sanksi berupa Surat Teguran, Surat Warning Letter, First Warning Letter, Second Warning Letter,
Peringatan 1, Surat Peringatan 2, Surat Peringatan 3, Third Warning Letter, Temporary Suspension (skorsing),
Pembebasan Tugas Sementara (skorsing) hingga sanksi up to Termination of Employment (PHK), depending on
Pemutusan Hubungan Kerja (PHK) tergantung jenis the type, frequency, severity of the violation, and intent.
pelanggaran, frekuensi pelanggaran, bobot pelanggaran Throughout 2024, there were no violations of the code of
dan unsur kesengajaan. Selama tahun 2024, tidak ethics within the company.
terdapat pelanggaran terhadap kode etik yang terjadi di
lingkungan perseroan.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
12.
Pemberian Kompensasi Jangka Panjang
Berbasis Kinerja Kepada Direksi dan
Karyawan dalam Bentuk Management
Stock Option Plan (MESOP)
Provision of Performance-Based Long-Term Compensation
to the Board of Directors and Employees in the Form
of Management Stock Option Plan (MESOP)
Tugu Insurance memiliki kebijakan pemberian kompensasi Tugu Insurance has a long-term performance-based
jangka panjang berbasis kinerja kepada Direksi dan compensation policy for the Board of Directors
Karyawan dalam bentuk Program Kepemilikan Saham oleh and Employees in the form of an Employee and/or
Karyawan dan/atau Manajemen. Program Kepemilikan Management Stock Ownership Program. The Stock
Saham telah disetujui Rapat Umum Pemegang Saham Ownership Program was approved at the 2018 General
Tahun 2018 yang dituangkan dalam Akta No. 23 tanggal Meeting of Shareholders, as documented in Deed No.
28 Februari 2018 Pernyataan Keputusan Para Pemegang 23 dated 28 February 2018, Statement of Resolutions
Saham. Dari RUPS tersebut, Pemegang Saham menyetujui of the Shareholders. At this GMS, the Shareholders
penerbitan hak opsi melalui Program Management and approved the issuance of options through the Management
Employee Stock Option Plan (MESOP) untuk membeli and Employee Stock Option Plan (MESOP) to purchase
saham baru Perseroan sebanyak 88.888.800 (delapan 88,888,800 (eighty-eight million eight hundred eighty-eight
puluh delapan juta delapan ratus delapan puluh delapan thousand eight hundred) new shares of the Company.
ribu delapan ratus) saham.
Adapun distribusi MESOP Perseroan telah dilakukan sejak The MESOP distribution was carried out from 15 November
15 November 2018 hingga 28 Mei 2023. Setelah itu, 2018 to 28 May 2023. After that, all unexercised
seluruh hak opsi yang tidak digunakan menjadi gugur. options expired.
Per 31 Desember 2024, Perseroan tidak memiliki As of 31 December 2024, the Company no longer have a
kebijakan yang melandasi adanya pemberian kompensasi policy underpinning the provision of long-term performance-
jangka panjang berbasis kinerja kepada manajemen based compensation for management and employees.
dan karyawan.
422 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
13.
Kebijakan Pengungkapan Informasi
Mengenai Kepemilikan Saham Anggota Direksi
dan Dewan Komisaris
Information Disclosure Policy on Share Ownership of
The Board of Directors and The Board of Commissioners
Kebijakan pengungkapan kepemilikan saham Perseroan The Company’s share ownership disclosure policy refers
mengacu pada Peraturan Otoritas Jasa Keuangan Nomor to the Financial Services Authority Regulation Number 4 of
4 Tahun 2024 tentang Laporan Kepemilikan atau Setiap 2024 concerning Reports on Ownership or Any Changes in
Perubahan Kepemilikan Saham Perusahaan Terbuka Ownership of Shares in Public Companies and Reports on
dan Laporan Aktivitas Menjaminkan Saham Perusahaan Pledged Share Activities of Public Companies. Members
Terbuka. Anggota Direksi dan Dewan Komisaris wajib of the Board of Directors and Board of Commissioners are
menyampaikan informasi kepada Perseroan mengenai required to provide information to the Company regarding
kepemilikan dan setiap perubahan kepemilikan saham. their ownership and any changes in share ownership.
Penyampaian informasi tersebut harus dilakukan paling This information must be submitted no later than five (5)
lambat 5 (lima) hari kerja setelah terjadinya kepemilikan working days after the occurrence of ownership or any
atau setiap perubahan kepemilikan saham Perseroan. change in the ownership of the Company’s shares.
Berikut ini adalah pelaporan transaksi pembelian dan/atau Below is the report on share purchase and/or sale
penjualan saham yang dilakukan oleh Direksi Perseroan transactions conducted by the Company’s Board of
sepanjang tahun 2024: Directors throughout 2024:
Jumlah Jumlah
Saham Saham
Tanggal
Tanggal Jenis Sebelum Jumlah Setelah Harga Tujuan
Pelaporan
Nama Transaksi Transaksi transaksi transaksi transaksi (Rp) Transaksi
No ke OJK
Name Transaction Transaction Number Transaction Number Price Transaction
Reporting
Date Type of Shares Volume of Shares (IDR) Purpose
Date to OJK
Before After
Transaction Transaction
Presiden Direktur
President Director
1 Tatang 8 Mei 2024 Beli 132.000 27.000 159.000 1.165 Investasi 17 Mei
Nurhidayat 8 May 2024 Buy Investment 2024
13 Mei 2024 Beli 159.000 6.000 165.000 1.045 17 May
13 May 2024 Buy 2024
14 Mei 2024 Beli 165.000 3.500 168.500 1.040
14 May 2024 Buy
30 Mei 2024 Beli 168.500 19.000 187.500 1.030 Investasi 7 Juni 2024
30 May 2024 Buy Investment 7 June 2024
4 Juni 2024 Beli 187.500 2.500 190.000 1.040
4 June 2024 Buy
5 Juni 2024 Beli 190.000 3.000 193.000 1.040
5 June 2024 Buy
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 423
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Jumlah Jumlah
Saham Saham
Tanggal
Tanggal Jenis Sebelum Jumlah Setelah Harga Tujuan
Pelaporan
Nama Transaksi Transaksi transaksi transaksi transaksi (Rp) Transaksi
No ke OJK
Name Transaction Transaction Number Transaction Number Price Transaction
Reporting
Date Type of Shares Volume of Shares (IDR) Purpose
Date to OJK
Before After
Transaction Transaction
12 Juni 2024 Beli 193.000 19.800 212.800 1.025 Investasi 21 Juni
12 June 2024 Buy Investment 2024
13 Juni 2024 Beli 212.800 700 213.500 1.030 21 June
13 June 2024 Buy 2024
14 Juni 2024 Beli 213.500 19.500 233.000 1.005
14 June 2024 Buy
19 Juni 2024 Beli 233.000 11.500 244.500 1.000
19 June 2024 Buy
9 Oktober Beli 244.500 40.500 285.000 1.050 Investasi 17 Oktober
2024 Buy Investment 2024
9 October 17 October
2024 2024
10 Oktober Beli 285.000 5.000 290.000 1.045
2024 Buy
10 October
2024
31 Oktober Beli 290.000 10.000 300.000 1.135 Investasi 8 November
2024 Buy Investment 2024
31 October Beli 300.000 10.000 310.000 1.125 8 November
2024 Buy 2024
1 November Beli 310.000 1.000 311.000 1.125
2024 Buy
1 November
2024
4 November Beli 311.000 24.000 335.000 1.100
2024 Buy
4 November Beli 335.000 50.000 385.000 1.095
2024 Buy
5 November Beli 385.000 7.500 392.500 1.080
2024 Buy
5 November Beli 392.500 7.500 400.000 1.090
2024 Buy
Beli 400.000 10.000 410.000 1.075
Buy
6 November Beli 410.000 9.500 419.500 1.075
2024 Buy
6 November
2024
11 November Beli 419.500 5.500 425.000 1.065 Investasi 19
2024 Buy Investment November
11 November 2024
2024 19
14 November Beli 425.000 5.000 430.000 1.065 November
2024 Buy 2024
14 November
2024
15 November Beli 430.000 5.000 435.000 1.060
2024 Buy
15 November
2024
15 November Beli 435.000 2.500 437.500 1.055
2024 Buy
15 November
2024
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Jumlah Jumlah
Saham Saham
Tanggal
Tanggal Jenis Sebelum Jumlah Setelah Harga Tujuan
Pelaporan
Nama Transaksi Transaksi transaksi transaksi transaksi (Rp) Transaksi
No ke OJK
Name Transaction Transaction Number Transaction Number Price Transaction
Reporting
Date Type of Shares Volume of Shares (IDR) Purpose
Date to OJK
Before After
Transaction Transaction
18 November Beli 437.500 2.500 440.000 1.045 Investasi 28
2024 Buy Investment November
18 November 2024
2024 28
22 November Beli 440.000 704.000 1.144.000 1.142 November
2024 Buy 2024
22 November
2024
22 November Beli 1.144.000 7.500 1.151.500 1.040
2024 Buy
22 November
2024
10 Desember Beli 1.151.500 2.500 1.154.000 1.050 Investasi 18
2024 Buy Investment Desember
10 December 2024
2024 18
16 Desember Beli 1.154.000 2.500 1.156.500 1.045 December
2024 Buy 2024
16 December
2024
19 Desember Beli 1.156.500 7.500 1.164.000 1.025 Investasi 31
2024 Buy Investment Desember
19 December 2024
2024 31
23 Desember Beli 1.164.000 5.000 1.169.000 1.020 December
2024 Buy 2024
23 December Beli 1.169.000 5.000 1.174.000 1.025
2024 Buy
24 Desember Beli 1.174.000 5.000 1.179.000 1.020
2024 Buy
24 December
2024
Direktur Keuangan & Layanan Korporat
Finance & Corporate Services Director
1 Emil Hakim 13 Mei 2024 Beli 102.000 50.000 152.000 1.050 Investasi 14 Mei
13 May 2024 Buy Investment 2024
14 May
2024
22 November Beli 152.000 603.600 755.600 1.142 Investasi 28
2024 Buy Investment November
22 November 2024
2024 28
November
2024
Direktur Kepatuhan & Manajemen Risiko
Compliance & Risk Management Director
1 Edi Yoga 21 Mei 2024 Beli - 117.200 117.200 1.085 Investasi 27 Mei
Prasetyo 21 May 2024 Buy Investment 2024
Beli 117.200 50.000 167.200 1.100 27 May
Buy 2024
22 November Beli 167.200 413.400 580.600 1.142 Investasi 28
2024 Buy Investment November
22 November 2024
2024 28
November
2024
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 425
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Jumlah Jumlah
Saham Saham
Tanggal
Tanggal Jenis Sebelum Jumlah Setelah Harga Tujuan
Pelaporan
Nama Transaksi Transaksi transaksi transaksi transaksi (Rp) Transaksi
No ke OJK
Name Transaction Transaction Number Transaction Number Price Transaction
Reporting
Date Type of Shares Volume of Shares (IDR) Purpose
Date to OJK
Before After
Transaction Transaction
Direktur Teknik
Technical Director
1 Sudarlin 8 Oktober Beli 15.000 20.000 35.000 1.155 Investasi 11 Oktober
2024 Buy Investment 2024
8 October Beli 35.000 45.000 80.000 1.160 11 October
2024 Buy 2024
Beli 80.000 47.500 127.500 1.150
Buy
15 November Beli 127.500 75.000 202.500 1.050 Investasi 19
2024 Buy Investment November
15 November 2024
2024 19
November
2024
22 November Beli 202.500 413.400 615.900 1.142 Investasi 28
2024 Buy Investment November
22 November 2024
2024 28
November
2024
Direktur Marketing Asuransi
Insurance Marketing Director
1 Ery Widiatmoko 22 November Beli - 603.600 603.600 1.142 Investasi 28
2024 Buy Investment November
22 November 2024
2024 28
November
2024
Secara rutin, Perseroan juga menyampaikan laporan The Company also regularly submits a monthly report
bulanan registrasi kepemilikan saham yang mencakup on the share ownership registration, which includes the
jumlah saham yang dimiliki oleh Dewan Komisaris dan number of shares owned by each member of the Board of
Direksi. Penyampaian laporan tersebut diatur dalam Directors and the Board of Commissioners, as stated in PT
Surat Keputusan Direksi PT Bursa Efek Indonesia No. Bursa Efek Indonesia’s Decree of the Board of Directors
Kep-00066/BEI/09-2022 tanggal 30 September 2022 No. Kep-00066/BEI/09-2022 dated 30 September 2022,
mengenai Perubahan Peraturan No. I-E tentang Kewajiban regarding the Obligation to Submit Information.
Penyampaian Informasi.
426 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
14.
Sistem Pelaporan Pelanggaran
Whistleblowing System
Salah satu upaya pendeteksian tindakan kecurangan atau One of the efforts to detect fraudulent activities, the
fraud, Perseroan mengimplementasikan Whistleblowing Company implements a Whistleblowing System (WBS). The
System (WBS). WBS merupakan mekanisme untuk WBS is a mechanism designed to accommodate reports of
mengakomodasi pelaporan atas dugaan pelanggaran yang alleged violations committed by internal or external parties
dilakukan oleh pihak internal atau eksternal yang berkaitan related to the Company, against both external and internal
dengan Perseroan terhadap ketentuan eksternal dan regulations, the code of conduct, and the code of ethics.
internal, code of conduct, serta kode etik.
Sebagai dasar atau pedoman pelaksanaan dalam As a basis or guideline for handling alleged violation
menangani pelaporan dugaan pelanggaran dari reports from stakeholders and to ensure the effective
stakeholders serta menjamin terselenggaranya mekanisme operation of the reporting mechanism, the Company
pelaporan pelanggaran yang efektif, Perseroan telah has established WBS Guidelines, which are in effect in
memiliki Pedoman WBS yang berlaku sesuai dengan SK accordance with the Board of Directors Decree No. 06/
Direksi No. 06/SKD/06/ERLATPI/II/2022 tanggal 21 SKD/06/ERLATPI/II/2022 dated February 21, 2022.
Februari 2022.
WBS merupakan salah satu wujud komitmen Perseroan The WBS is the manifestation of one of the Company’s
dalam mendukung penerapan Tata Kelola Perusahaan yang commitments to supporting the implementation of Good
Baik (GCG), serta praktik bisnis yang berintegritas. Corporate Governance (GCG) and conducting business
practices with integrity.
Setiap Insan Tugu dan pihak eksternal dapat berpartisipasi
dalam upaya pencegahan terjadinya pelanggaran dengan Every member of Tugu and external parties can participate
melaporkan setiap dugaan pelanggaran yang dilakukan in preventing violations by reporting any suspected
disertai dengan bukti-bukti pendukungnya melalui misconduct, along with supporting evidence, through the
mekanisme WBS yang disediakan oleh Perseroan. WBS mechanism provided by the Company.
Kanal-Kanal dan Cara Penyampaian Dugaan Pelanggaran melalui WBS
Channels and Methods for Reporting Alleged Violations through the WBS
Seluruh pihak, baik internal maupun eksternal Perseroan, All parties, both internal and external to the Company,
dapat menyampaikan laporan dugaan pelanggaran disertai may submit reports of alleged violations accompanied by
dengan bukti-bukti pendukung melalui kanal-kanal WBS supporting evidence through the WBS channels provided
yang disediakan Perseroan, sebagai berikut: by the Company, as follows:
Clean 1 – apabila terlapor adalah pekerja Perseroan selain Clean 1 – if the reported party is an employee of the
Dewan Komisaris dan Direksi Company other than the Board of Commissioners and the
Board of Directors
Email : clean1@tugu.com
Website :h ttps://tugu.com/ Email : clean1@tugu.com
aduanlaporan?type=1&lang=id Website : https://tugu.com/
Surat : Ditujukan ke Direksi PT Asuransi Tugu Pratama aduanlaporan?type=1&lang=id
Indonesia Tbk Letter : Addressed to the Board of Directors of PT
(Up: Tim Penanganan Pelaporan Pelanggaran) Asuransi Tugu Pratama Indonesia Tbk
(Attn: Violation Reporting Handling Team)
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 427
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Clean 2 – apabila terlapor adalah Direksi, Dewan Clean 2 – if the reported party is a member of the Board
Komisaris, dan organ Pendukung Dewan Komisaris of Directors, the Board of Commissioners, or a supporting
body of the Board of Commissioners
Email : clean2@tugu.com Email : clean2@tugu.com
Website : https://tugu.com/ Website : https://tugu.com/
aduanlaporan?type=2&lang=id aduanlaporan?type=2&lang=id
Surat :D itujukan ke Komisaris PT Asuransi Tugu Letter : Addressed to the Commissioner of PT Asuransi
Pratama Indonesia Tbk Tugu Pratama Indonesia Tbk
(Up: Tim Penanganan Pelaporan Pelanggaran) (Attn: Violation Reporting Handling Team)
Selain itu, laporan juga dapat disampaikan ke kanal-kanal Additionally, reports may also be submitted to
WBS PT Pertamina (Persero), yaitu dengan alamat: the PT Pertamina (Persero) WBS channels, at the
following address:
Website : https://pertaminaclean.tipoffs.info Website : https://pertaminaclean.tipoffs.info
E-mail : pertaminaclean@tipoffs.com.sg E-mail : pertaminaclean@tipoffs.com.sg
WA : +62 811-1067-9111 WhatsApp : +62 811-1067-9111
Telp : 135 ext. 5 atau 021-23507051 Phone : 135 ext. 5 or 021-23507051
Faksimili : (021) 381 5912 Fax : (021) 381 5912
Surat : T ip-offs Anonymous Pertamina Clean Letter : Tip-offs Anonymous Pertamina Clean, P.O. Box
P.O. Box 2600 JKP 10026 2600 JKP 10026
Mekanisme Penanganan Laporan Dugaan Pelanggaran
Whistleblowing Report Handling Mechanism
1. Pelapor menyampaikan laporan disertai bukti-bukti 1. The whistleblower submits whistleblowing report
pendukung melalui kanal-kanal WBS yang tersedia; accompanied by supporting evidence through the
available WBS channels;
2. Tim Penanganan Pelaporan menerima dan 2. The Whistleblowing Report Handling Team receives and
menelaah laporan; reviews the report;
3. Apabila bukti-bukti pendukung dianggap cukup, Tim 3. If the supporting evidence is deemed sufficient, the
Penanganan Pelaporan menindaklanjuti laporan Whistleblowing Report Handling Team follows up on
tersebut, atau meneruskan ke fungsi-fungsi yang the report or forwards it to the relevant functions for
relevan untuk ditindaklanjuti; further action;
4. Hasil tindak lanjut laporan kemudian disampaikan ke 4. The results of the follow-up are then communicated to
Direksi dan Komite Audit. the Board of Directors and the Audit Committee.
Laporan dugaan pelanggaran yang disampaikan melalui Whistleblowing report submitted through the Clean 2
kanal-kanal Clean 2 akan diterima dan ditentukan tindak channels will be received and the appropriate follow-up will
lanjutnya oleh Dewan Komisaris. be determined by the Board of Commissioners.
Laporan dugaan pelanggaran yang disampaikan melalui Whistleblowing report submitted through the PT Pertamina
kanal-kanal WBS PT Pertamina (Persero) akan ditelaah (Persero) WBS channels will be reviewed and followed
dan ditindaklanjuti oleh Fungsi WBS di PT Pertamina up by the WBS Function at PT Pertamina (Persero), in
(Persero), dengan berkoordinasi dengan pihak Perseroan coordination with the Company if necessary.
apabila diperlukan.
Tim Penanganan Pelaporan Pelanggaran dikoordinasikan The Whistleblowing Report Handling Team is coordinated
oleh Internal Audit Group Head. by the Internal Audit Group Head.
428 LAPORAN TAHUNAN 2024 PT Asuransi Tugu Pratama Indonesia Tbk
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Ruang Lingkup Pelaporan Dugaan Pelanggaran Melalui Kanal-Kanal WBS
Scope of Whistleblowing Reports Through the WBS Channels
Dugaan-dugaan pelanggaran yang dapat dilaporkan melalui Alleged violations that may be reported through the
kanal-kanal WBS adalah: available WBS are:
• Korupsi; • Corruption;
• Suap; • Bribery;
• Gratifikasi; • Gratification;
• Benturan Kepentingan; • Conflict of Interest;
• Pencurian; • Theft;
• Kecurangan; • Fraud;
• Pemerasan; • Extortion;
• Pelanggaran Hukum; • Legal Violations;
• Pelanggaran Kebijakan-Kebijakan Perusahaan; • Violations of Company Policies;
• Penyalahgunaan Wewenang. • Abuse of Power.
Perlindungan bagi Pelapor
Protection for Whistleblower
Perseroan merahasiakan identitas Pelapor, sebagai The Company keeps the identity of the whistleblower
bagian dari upaya dalam memberikan perlindungan bagi confidential as part of its efforts to protect whistleblowers
Pelapor dari tindakan yang merugikan Pelapor, serta from any actions that might harm them, as well as
untuk mendorong keberanian melaporkan pelanggaran. to encourage the courage to report violations. In
Selain itu, kanal-kanal WBS yang tersedia juga telah addition, the available WBS channels also allow for
memungkinkan untuk dilakukan pelaporan secara anonim. anonymous reporting.
Sanksi/Tindak Lanjut atas Laporan Dugaan Pelanggaran
Sanctions/Follow-Ups of Whistleblowing Report
Perseroan memberikan sanksi sesuai ketentuan yang The Company imposes sanctions in accordance with
berlaku atas pelanggaran yang terbukti, sehingga dapat applicable regulations for proven violations, in order to
memberikan efek jera bagi pelaku pelanggaran maupun deter both the violators and others who may intend to
pihak lain yang memiliki niat melakukan pelanggaran. commit violations.
Realisasi Pelaporan Dugaan Pelanggaran Melalui WBS Tahun 2024
Realization of Reporting of Alleged Violations Through WBS in 2024
Selama tahun 2024, terdapat 2 (dua) laporan yang During 2024, the Company received and followed up on 2
diterima dan ditindaklanjuti oleh Perusahaan melalui kanal (two) reports through its WBS channels.
WBS Perseroan.
Segenap Insan Tugu Insurance senantiasa menjadikan All Tugu Insurance personnel consistently consider the
WBS sebagai salah satu fungsi kontrol dan mitigasi WBS as one of the key functions for controlling and
terhadap risiko dan potensi pelanggaran. mitigating risks and potential violations.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 429
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
15.
Kebijakan Antikorupsi
Anticorruption Policy
Seluruh insan Perseroan terus berperan aktif dalam upaya All Company personnel actively participate in preventing
pencegahan dan pemberantasan praktik Korupsi, Kolusi, and eradicating Corruption, Collusion, Nepotism (KKN),
dan Nepotisme (KKN) serta Gratifikasi. Tugu Insurance and Gratification practices. Tugu Insurance is fully
menunjukkan komitmen penuh dalam mendukung committed to supporting these efforts through the
langkah-langkah ini melalui berbagai program yang telah implementation of various programs. This commitment is
direalisasikan. Komitmen nyata Perseroan diwujudkan demonstrated through enhancements to the goods and
melalui penyempurnaan sistem dan prosedur pengadaan services procurement system and procedures, updates to
barang dan jasa, perbaikan kebijakan operasional, operational policies, implementation of the whistleblowing
penerapan sistem pelaporan pelanggaran (whistleblowing system, and a firm stance against gratification practices.
system), serta penolakan terhadap praktik gratifikasi.
Dalam aktivitas sehari-hari, seluruh pegawai Tugu In daily operations, all Tugu Insurance employees are
Insurance diwajibkan untuk menerapkan nilai-nilai required to uphold the company’s values, including
perusahaan, salah satunya adalah AMANAH (Clean), yaitu AMANAH (Clean)—working with integrity and adhering
bekerja dengan integritas dan menjunjung tinggi kode etik to the company’s code of conduct and business
perusahaan serta bisnis. Upaya preventif juga dilakukan ethics. Preventive measures are also taken by posting
melalui publikasi pengumuman penolakan praktik announcements rejecting gratification practices on the
gratifikasi di situs web perusahaan menjelang perayaan company’s website ahead of religious celebrations.
hari besar keagamaan.
Komitmen dan kebijakan Antikorupsi Tugu Insurance telah Tugu Insurance’s Anti-Corruption policy and commitment
dituangkan dalam Panduan Umum Tata Kelola Perusahaan, are outlined in the Company’s General Guidelines on Good
yang mencakup: Corporate Governance (GCG), including:
• Pedoman Sistematika Etika Usaha dan Tata Perilaku • The Systematic Guidelines for Business Ethics and
(Code of Conduct atau CoC); Code of Conduct;
• Pedoman Whistleblowing System (WBS); • Whistleblowing System Guidelines;
• Pedoman Pencegahan Pelanggaran Konflik Kepentingan • Guidelines for Preventing Violations of Conflict of
(Conflict of Interest atau CoI); Interest (CoI);
• Pedoman Gratifikasi; • Gratification Guidelines;
• Pedoman Laporan Harta Kekayaan Penyelenggara • Report of State Administrators’ Assets (LHKPN)
Negara (LHKPN); Guidelines;
• Pedoman Pengadaan Barang dan Jasa; • Goods and Services Procurement Guidelines;
• Pedoman Sistem Manajemen Anti Penyuapan (SMAP) – • Anti-Bribery Management System (SMAP) Guidelines –
ISO 37001:2016. ISO 37001:2016.
Berdasarkan kebijakan tersebut, Perseroan secara Based on these policies, the Company continuously
konsisten melakukan penyempurnaan dan evaluasi improves and evaluates their effectiveness annually. In
efektivitas setiap tahunnya. Dalam melaksanakan tugas carrying out their duties, every Tugu Insurance employee
dan tanggung jawab, seluruh insan Perseroan wajib must understand and comply with all provisions related to
memahami dan mematuhi setiap ketentuan terkait tindak corruption, as stated in the GCG General Guidelines.
pidana korupsi yang tercantum dalam Panduan Umum
Tata Kelola.
Berikut ini adalah uraian program dan prosedur yang Below are the programs and procedures implemented
diterapkan Perseroan dalam mengatasi praktik korupsi, to address corruption, kickbacks, fraud, bribery, and/or
balas jasa (kickbacks), penipuan (fraud), suap, dan/ gratification within the Company.
atau gratifikasi.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
15.A
Pedoman Pencegahan Pelanggaran
Konflik Kepentingan
Guidelines for Preventing Violations of Conflict of Interest
Dalam menjalankan aktivitas bisnisnya, Tugu Insurance In the course of its business activities, Tugu Insurance
berinteraksi dengan berbagai pemangku kepentingan, engages with multiple stakeholders, both internal and
baik internal maupun eksternal. Dalam interaksi bisnis external. Given the nature of these business interactions,
tersebut, konflik kepentingan kerap kali muncul dan tidak conflicts of interest are inevitable and often arise in daily
dapat dihindari dalam operasional sehari-hari. Oleh karena operations. To ensure the integrity of the Company’s
itu, untuk menjaga integritas hubungan bisnis Perusahaan, business relationships, it is essential to establish
diperlukan pengaturan yang jelas terkait konflik clear regulations regarding conflict of interest and its
kepentingan serta mekanisme pelaporannya di lingkungan reporting mechanism within PT Asuransi Tugu Pratama
PT Asuransi Tugu Pratama Indonesia Tbk. Indonesia Tbk.
Pedoman Pencegahan Pelanggaran Konflik Kepentingan
Conflict of Interest Guidelines
Perseroan telah menerbitkan Pedoman Pencegahan The Company has issued the Conflict of Interest Prevention
Pelanggaran Konflik Kepentingan No. A-001/ Guidelines No. A-001/TCE0030000/2024 Revision
TCE0030000/2024 Revisi 0 pada 23 September 2024. 0 on 24 September 2024. These guidelines provide
Pedoman ini memberikan arah dan acuan bagi seluruh direction and reference for all Tugu personnel regarding
Insan Tugu yang berkenaan dengan pencegahan Konflik the prevention of conflicts of interest within the Company,
Kepentingan di Perusahaan, agar sesuai dengan GCG, in accordance with Good Corporate Governance (GCG)
sehingga dapat mendorong terlaksananya etika bisnis principles, thereby promoting the implementation of
yang tinggi dan mencegah kecurangan serta penyimpangan high business ethics and preventing fraud and other
perilaku lainnya. behavioral deviations.
Bentuk-bentuk Konflik Kepentingan Forms of Conflict of Interest
Terdapat berbagai bentuk konflik kepentingan yang dapat There are various forms of conflict of interest that may
terjadi di lingkungan kerja Insan Tugu diantaranya: occur in the work environment of Tugu personnel, including:
1. Situasi yang menyebabkan seseorang menerima 1. Situations where a person receives and/or gives
dan/atau memberi gratifikasi yang bertentangan gratuities that violate the Company’s internal
dengan ketentuan Internal Perusahaan dan peraturan regulations and laws, leading to decisions/actions that
perundang-undangan yang menyebabkan adanya benefit the provider of the gratuity;
suatu keputusan/tindakan yang menguntungkan pihak
pemberi gratifikasi;
2. Situasi yang menyebabkan penggunaan kewenangan 2. Situations where authority is used for personal, group,
jabatan untuk kepentingan pribadi/golongan/pihak lain; or third-party interests;
3. Rangkap Jabatan saat kondisi pada pengambilan 3. Holding multiple positions in circumstances where
keputusan atau tindakan yang diambil dapat decision-making or actions taken may prevent Tugu
menyebabkan Insan Tugu tidak dapat menjalankan personnel from performing their duties professionally,
tugas jabatannya secara profesional, independent dan independently, and accountably, and/or result in
akuntabel dan/atau mengakibatkan adanya keuntungan personal or third-party benefits that harm the Company;
pribadi/pihak lain yang merugikan Perusahaan;
4. Situasi yang menyebabkan proses pengawasan tidak 4. Situations where the supervision process does
mengikuti prosedur karena adanya pengaruh dari pihak not follow procedures due to influence from the
yang diawasi; supervised party;
5. Situasi dimana pihak yang melakukan penilaian/audit 5. Situations where the person conducting an evaluation
adalah pihak yang sama dengan pihak yang sedang or audit is the same party being evaluated or audited.
dinilai/diaudit;
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6. Situasi dan kondisi yang menyebabkan pihak yang 6. Situations and conditions where the evaluating/
melakukan penilaian/audit adalah pihak yang sama auditing party is the same as the party being
dengan pihak yang sedang dinilai/diaudit; evaluated/audited.
7. Situasi yang memanfaatkan jabatan di Perusahaan 7. Situations where a position within the Company is used
untuk kepentingan pekerjaan yang lain di luar for external work that disadvantages the Company.
Perusahaan sehingga merugikan Perusahaan;
8. Situasi dimana terdapat penyalahgunaan jabatan oleh 8. Situations involving abuse of position by Tugu
Insan Tugu yang memiliki hubungan kekeluargaan/ personnel who have family ties or relationships
pihak lain yang memiliki kepentingan atas keputusan with parties having an interest in decisions and/or
dan/atau tindakan Insan Tugu sehubungan dengan actions related to the misuse of their position within
penyalahgunaan jabatannya di Perusahaan. the Company.
Sumber Penyebab Konflik Kepentingan Sources of Conflict of Interest
Beberapa faktor yang dapat memicu terjadinya konflik Several factors that may trigger conflicts of
kepentingan antara lain: interest include:
1. Kekuasaan dan kewenangan Insan Tugu; 1. Power and authority held by Tugu personnel.
2. Kepentingan Pribadi (vested interest) yaitu keinginan/ 2. Personal interests (vested interest), including personal
kebutuhan Insan Tugu mengenai sesuatu hal yang desires/needs of Tugu personnel, interests of their
bersifat pribadi, kepentingan Keluarga Insan Tugu atau family, or other parties.
Pihak Lain;
3. Rangkap Jabatan tanpa izin atau penugasan 3. Holding multiple positions without permission or
dari Perusahaan; assignment from the Company.
4. Hubungan yang dimiliki oleh Insan Tugu dengan Pihak 4. Relationships between Tugu personnel and other
Lain yang menimbulkan Benturan Kepentingan; parties that create a conflict of interest.
5. Penerimaan atau pemberian gratifikasi yang dilarang 5. Receiving or giving prohibited gratuities as per the
sesuai ketentuan internal Perusahaan dan peraturan Company’s internal regulations and applicable laws.
perundang-undangan.
Deklarasi & Mekanisme Pelaporan Declaration & Reporting Mechanism
Deklarasi dan mekanisme pelaporan Konflik Kepentingan The declaration and reporting mechanism for Conflict of
dilakukan dengan cara sebagai berikut: Interest is carried out as follows:
1. Deklarasi Konflik Kepentingan dilakukan melalui 1. Conflict of Interest Declaration must be submitted
Compliance Online System (“COS”) atau dapat through the Compliance Online System (COS) or
menyampaikan email melalui Compliance_Team@ via email at Compliance_Team@tugu.com. Tugu
tugu.com. Insan Tugu yang memiliki kondisi personnel who have a Conflict of Interest must report
Konflik Kepentingan. it accordingly.
2. Insan Tugu atau pihak ketiga yang mengetahui 2. Tugu personnel or third parties who are aware of
adanya pelanggaran terhadap pedoman Pencegahan violations of the Guidelines for Preventing Violations
Pelanggaran Konflik Kepentingan diwajibkan untuk of Conflict of Interest are required to report them
segera melaporkannya beserta bukti pendukung immediately, along with supporting evidence, in
sesuai dengan ketentuan yang berlaku di Perusahaan. accordance with the Company’s regulations. Reporting
Pelaporan harus dilakukan mengacu pada Pedoman must follow the Whistleblowing System (WBS)
Whistleblowing System (WBS). Perusahaan menjamin Guidelines. The Company ensures confidentiality
kerahasiaan serta perlindungan bagi pelapor, baik and protection for whistleblowers, whether they
dari kalangan Insan Tugu maupun pihak ketiga, sesuai are Tugu personnel or third parties, in line with the
dengan Pedoman WBS. WBS Guidelines.
Sanksi Sanctions
Pelanggaran terhadap Pedoman Pencegahan Pelanggaran Violations of the Guidelines for Preventing Violations
Konflik Kepentingan ini akan dikenakan sanksi sesuai of Conflict of Interest will be subject to sanctions in
dengan ketentuan yang berlaku di Perusahaan. accordance with the applicable regulations within
the Company.
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15.B
Pedoman Gratifikasi
Gratification Guidelines
Gratifikasi adalah pemberian, penerimaan, dan/atau Gratuities refer to gifts and/or receipts in a broad context,
permintaan dalam arti luas, yang mencakup hadiah/ including gifts/souvenirs and entertainment provided to
cinderamata dan hiburan (entertainment) kepada Insan Tugu Personnel, whether domestically or internationally,
Tugu, baik yang diterima di dalam maupun di luar negeri, through electronic means or otherwise. Gratuities often
serta dilakukan melalui sarana elektronik maupun tanpa pose challenges and are a key concern for the Company
menggunakan sarana elektronik. Gratifikasi sering kali due to their potential to lead to bribery and/or corruption.
menjadi pelanggaran yang sulit dihindari dan menjadi
perhatian utama Perseroan, karena sifatnya yang dapat
mengarah pada tindak pidana suap dan/atau korupsi.
Hadiah/Cinderamata merujuk pada segala bentuk Gifts/Souvenirs are any form of gifts and/or receipts in a
pemberian dan/atau penerimaan dalam arti luas yang broad sense, offered to Tugu Personnel.
ditujukan kepada Insan Tugu.
Hiburan (entertainment) mencakup segala hal yang Entertainment encompasses various elements such
berbentuk kata-kata, tempat, benda, atau perilaku as words, venues, objects, or actions that, based on
yang, secara logis dan wajar, bersifat menghibur dan reasonable logic, are deemed entertaining and enjoyable.
menyenangkan hati. Hiburan ini dinikmati bersama These are shared experiences with the Giver and include,
Pemberi, termasuk namun tidak terbatas pada musik, film, but are not limited to, music, films, opera, drama, games,
opera, drama, permainan, olahraga, dan wisata. sports, and tourism.
Pedoman Gratifikasi
Gratification Guideline
Pedoman Gratifikasi dianggap penting untuk mencegah The Gratification Guidelines are considered essential
terjadinya pelanggaran dan mengurangi peluang tindak to prevent violations and reduce the risk of bribery. As
pidana suap. Sebagai langkah preventif, Perseroan telah a preventive measure, the Company first issued the
menerbitkan Pedoman Gratifikasi yang pertama kali Gratification Guidelines on 1 July 2014, through Board of
ditetapkan pada 1 Juli 2014 melalui Surat Keputusan Directors Decree (SKD) No. 018/SKD/TPI/VII/2014. The
Direksi (SKD) No. 018/SKD/TPI/VII/2014. Pedoman ini guidelines were later updated through the 1st Revision,
kemudian diperbarui melalui Revisi Ke-1 dengan Pedoman documented as Guideline No. A-008/9100/2017 on
No. A-008/9100/2017 pada 5 Desember 2017, dan December 5, 2017, and enforced through SKD No. 011/
diberlakukan dengan SKD No. 011/SKD/CSG/TPI/ SKD/CSG/TPI/II/2018 on 7 February 2018. Further,
II/2018 pada 7 Februari 2018. Kemudian pedoman ini the guidelines were revitalized under SKD No. 65/
direvitalisasi melalui SKD No. 65/SKD/06/ERL-ATPI/ SKD/06/ERL-ATPI/VIII/2021 on August 31, 2021, with
VIII/2021 pada 31 Agustus 2021 dengan Pedoman the issuance of the Gratification Control Guidelines No.
Pengendalian Gratifikasi No. A-001/6500/2021 Revisi A-001/6500/2021 (2nd Revision) dated 28 July 2021.
Ke-2 tertanggal 28 Juli 2021. Terakhir Pedoman ini The most recent revitalization was carried out with the
direvitalisasi dengan Pedoman Pengendalian Gratifikasi Gratification Control Guidelines No. A-006/6440/2024
No. A-006/6440/2024 Revisi Ke-3 tertanggal 3 Juli 2024. (3rd Revision) dated 3 July 2024.
Ruang lingkup Pedoman Gratifikasi mencakup mengenai The scope of the Gratification Guidelines covers aspects
hal-hal yang terkait dengan kebijakan Gratifikasi, antara related to gratification policies, including the giving,
lain dalam hal pemberian, penerimaan, dan penolakan receiving, and rejection of different classifications of
klasifikasi Gratifikasi dan sanksi serta mengatur batasan gratification, applicable sanctions, as well as limits on
penerimaan dan pemberian, termasuk pemberian atas acceptance and giving, including requests made by third
permintaan pihak ketiga. Pedoman ini juga mengatur parties. These guidelines also regulate prudence principles
prinsip kehati-hatian terkait potensi benturan kepentingan concerning potential conflicts of interest and gratification
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dan permintaan Gratifikasi serta mekanisme pelaporan di requests, along with reporting mechanisms within the
lingkungan Perseroan. Sebagai acuan, Pedoman Gratifikasi Company. As a reference, the Gratification Guidelines apply
berlaku bagi seluruh Insan Tugu, Anak Perusahaan, to all Tugu personnel, subsidiaries, and affiliates.
dan Afiliasi.
Fungsi Compliance bertanggung jawab atas sosialisasi dan The Compliance Function is responsible for the
implementasi pedoman ini. Tujuan penerapan Pedoman socialization and implementation of these guidelines.
Gratifikasi di antaranya: Objectives of Implementing the Gratification
Guidelines include:
1. Memberikan pemahaman dan kepatuhan seluruh Insan 1. Ensure understanding and compliance of all Tugu
Tugu terhadap ketentuan gratifikasi; personnel with gratification regulations;
2. Memberikan arahan dan acuan bagi Insan Tugu 2. Provide guidance and reference for Tugu personnel
mengenai pentingnya kepatuhan melaporkan on the importance of reporting gratification to
Gratifikasi untuk perlindungan dirinya sendiri maupun protect themselves and their families from potential
keluarganya dari peluang dikenakannya tuduhan tindak bribery accusations;
pidana suap;
3. Sebagai pedoman bagi Insan Tugu untuk memahami, 3. Serve as a guideline for Tugu personnel to understand,
mencegah dan menanggulangi Gratifikasi prevent, and mitigate gratification within the Company;
di Perusahaan;
4. Sebagai pedoman bagi Insan Tugu dalam mengambil 4. Act as a reference for Tugu personnel in taking a firm
sikap yang tegas terhadap Gratifikasi di Perusahaan stance against gratification within the Company to
untuk mewujudkan pengelolaan Perusahaan yang baik; achieve good corporate governance;
5. Mewujudkan pengelolaan Perusahaan yang bebas dari 5. Establish a corporate environment free from all forms
segala bentuk Korupsi, Kolusi dan Nepotisme (KKN); of Corruption, Collusion, and Nepotism (KKN);
dan
6. Membentuk lingkungan organisasi yang sadar dan 6. Create an organizational environment that is aware and
terkendali dalam penanganan praktik Gratifikasi controlled in handling gratification practices, ensuring
sehingga prinsip keterbukaan dan akuntabilitas that transparency and accountability principles are
dalam menjalankan kegiatan operasional dan bisnis well-implemented in the Company’s operations and
Perusahaan dapat diimplementasikan dengan baik. business activities.
Pedoman ini secara berkala disempurnakan dan dievaluasi This guideline is periodically refined and its implementation
penerapannya sesuai perkembangan model bisnis evaluated in accordance with the development of the
Perseroan. Pedoman ini berlaku di Internal Tugu Insurance Company’s business model. It is applicable internally
dan dapat dijadikan acuan bagi anak Perusahaan within Tugu Insurance and may serve as a reference for
dan Afiliasi. subsidiaries and affiliates.
Larangan dalam Pedoman Gratifikasi
Prohibition in Gratuities Guideline
Penerimaan Gratifikasi oleh Insan Tugu Receiving Gratuities by Tugu Personnel
Seluruh Insan Tugu dan/atau anggota keluarga intinya All Tugu Personnel and/or their immediate family members
dilarang menerima hadiah/cinderamata dan/atau hiburan are prohibited from receiving gifts/souvenirs and/or
(Entertainment), baik secara langsung maupun tidak entertainment, either directly or indirectly, either on their
langsung, baik atas inisiatif sendiri maupun orang lain, own or at the initiative of others, from any party that has
dari setiap pihak yang memiliki hubungan bisnis atau a business relationship with or is a competitor of the
pesaing Perusahaan yang bertujuan untuk mendapatkan Company, with the aim of obtaining information or anything
informasi atau sesuatu hal yang tidak dibenarkan oleh that is not justified by applicable laws and regulations,
ketentuan peraturan perundang-undangan yang berlaku, or to influence the party involved to do and/or not do
atau mempengaruhi pihak dimaksud agar melakukan dan/ something related to their authority/position. The following
atau tidak melakukan sesuatu yang berkaitan dengan forms of Gratuities are prohibited and must be reported:
wewenang/jabatannya. Bentuk-bentuk penerimaan
Gratifikasi yang dilarang dan wajib dilaporkan antara lain:
1. Bertentangan dan melebihi batasan ketentuan 1. Contrary to and exceeding the permitted Gratification
Gratifikasi yang diperbolehkan dan tidak limits that are not required to be reported;
wajib dilaporkan;
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2. Gratifikasi yang dianggap suap, yaitu merupakan 2. Gratification considered as bribery, which refers to
Gratifikasi yang diberikan oleh pihak yang memiliki Gratification given by parties with a conflict of interest
benturan kepentingan dan dilarang oleh aturan and is prohibited under applicable regulations.
yang berlaku.
Contoh Gratifikasi yang dianggap suap antara lain: Examples of Gratuities that are considered bribes include:
1. Pemberian hadiah/cinderamata dan/atau hiburan 1. Gifts/souvenirs and/or entertainment as a token of
(Entertainment) sebagai tanda terima kasih yang appreciation received by Tugu Personnel from third
diterima Insan Tugu dari pihak ketiga terkait dengan parties related to the process of procurement of goods
proses pengadaan barang dan jasa dan/atau and services and/or in connection with the selection
sehubungan dengan telah terpilihnya atau selesainya or completion of a job and/or other activities in the
suatu pekerjaan dan/atau kegiatan lainnya dalam context of performing the duties and positions of the
rangka pelaksanaan tugas dan jabatan Insan Tugu Tugu Personnel concerned;
yang bersangkutan;
2. Pemberian hadiah/cinderamata dan/atau hiburan 2. Gifts/souvenirs and/or entertainment received by Tugu
(Entertainment) yang diterima Insan Tugu atas Personnel for cooperation/cooperation agreements
kerjasama/perjanjian kerja sama dari pihak ketiga; from third parties;
3. Pemberian hadiah/cinderamata dan/atau hiburan 3. Gifts/souvenirs and/or entertainment as a token
(Entertainment) sebagai tanda terima kasih yang of appreciation received by Tugu Personnel from
diterima Insan Tugu dari pihak ketiga terkait dengan third parties related to the work feasibility check
proses pemeriksaan kelayakan pekerjaan dan/atau process and/or approval/monitoring/supervising of a
proses persetujuan/pemantauan/pengawasan atas job process;
suatu pekerjaan;
4. Pemberian hadiah/cinderamata dan/atau hiburan 4. Gifts/souvenirs and/or entertainment received by Tugu
(Entertainment) yang diterima Insan Tugu dari pihak Personnel from third parties in connection with the
ketiga sehubungan dengan kenaikan pangkat dan/atau promotion and/or new positions of Tugu Personnel;
jabatan baru Insan Tugu;
5. Pemberian dalam bentuk pinjaman bank atau lembaga 5. Gifts in the form of bank loans or other financial
keuangan lainnya yang diterima karena jabatan dan/ institutions received due to the position
atau kewenangan Insan Tugu dan tidak berlaku umum; and/or authority of Tugu Personnel and not
generally applicable;
6. Kesempatan atau keuntungan, termasuk jumlah/ 6. Opportunities or benefits, including the amount/
persentase bunga khusus atau diskon komersial yang percentage of special interest or commercial discounts
diterima karena jabatan dan/atau kewenangan Insan received due to the position and/or authority of Tugu
Tugu dan tidak berlaku umum; Personnel and not generally applicable;
7. Pemberian hadiah/cinderamata dan/atau hiburan 7. Gifts/souvenirs and/or entertainment from fellow Tugu
(Entertainment) dari sesama Insan Tugu, dalam Personnel, in performing their tasks including but not
pelaksanaan tugas, termasuk namun tidak terbatas limited to inspection, audit, valuation, appraisal, and
pada kegiatan pemeriksaan, audit, penilaian, appraisal, assessment activities;
dan assessment;
8. Pemberian dalam bentuk fasilitas transportasi, 8. Gifts in the form of transportation facilities,
akomodasi, uang, dan/atau setara uang sehubungan accommodation, money and/or money equivalents
dengan pelaksanaan tugas dan kewajiban Insan Tugu in connection with the implementation of the duties
yang bersangkutan dari perusahaan pihak ketiga, yang and obligations of the Tugu Personnel concerned from
dilakukan melalui undangan dari pihak ketiga tersebut; third-party companies, which are carried out through
invitations from these third parties;
9. Pemberian hadiah/cinderamata dan/atau hiburan 9. Gifts/souvenirs and/or entertainment in connection
(Entertainment) yang dilakukan terkait dengan with the implementation of duties and obligations
pelaksanaan tugas dan kewajiban Insan Tugu di of Tugu Personnel in third-party companies that are
perusahaan pihak ketiga yang tidak relevan/tidak irrelevant/unrelated to the purpose of the assignment;
berhubungan dengan maksud penugasannya; dan and
10. Potongan harga khusus (diskon) pada saat Insan Tugu 10. Special discounts when Tugu Personnel buy goods from
membeli barang dari pihak ketiga. third parties.
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Pemberian Gratifikasi Giving Gratuities
Seluruh Insan Tugu dan/atau anggota keluarga inti All Tugu personnel and/or their immediate family
dilarang memberi Gratifikasi kepada pihak ketiga, baik members are prohibited from giving Gratification to third
secara langsung maupun tidak langsung. Pemberian parties, either directly or indirectly. Gratification given by
oleh Insan Tugu yang diperbolehkan adalah pemberian Tugu personnel is only allowed if it does not violate the
yang tidak melanggar batasan ketentuan Gratifikasi permitted Gratification limits and meets the criteria for
yang diperbolehkan dan memenuhi kriteria tidak non-reportable Gratification.
wajib dilaporkan.
Pengecualian dalam Penerimaan dan Pemberian Exception in Receiving and Giving Gratuities
Gratifikasi
Terdapat beberapa bentuk penerimaan dan pemberian There are several forms of receiving and giving Gratuities
Gratifikasi yang tidak terkait dengan jabatan dan tidak that are not related to the position and do not contradict
berlawanan dengan kewajiban atau tugas Insan Tugu, the obligations or duties of Tugu Personnel. Therefore,
sehingga Gratifikasi tersebut tidak wajib dilaporkan. these Gratuities are not required to be reported. The
Bentuk-bentuk Gratifikasi yang diperbolehkan dan tidak forms of Gratuities that are allowed and not required to be
wajib dilaporkan sebagai berikut: reported are as follows:
1. Pemberian dalam keluarga, yaitu dari kakek/nenek, 1. Gifts within the family such as grandparents, parents,
bapak/ibu/mertua, suami/istri, anak/menantu, anak parents-in-law, spouses, children, children-in-law,
angkat/wali yang sah, cucu, besan, paman/bibi, adopted children, legal guardians, grandchildren, in-
kakak/adik/ipar, sepupu, dan keponakan, sepanjang laws, uncles, aunts, brothers, sisters, nieces, cousins,
tidak terdapat konflik kepentingan; and nephews, as long as there is no conflict of interest;
2. Keuntungan atau bunga dari penempatan dana, 2. Profit or interest from the placement of funds,
investasi, atau kepemilikan saham pribadi yang investment, or personal share ownership that is
berlaku umum; generally applicable;
3. Manfaat dari koperasi, organisasi kepegawaian, atau 3. Benefits from cooperatives, employment organizations,
organisasi yang sejenis berdasarkan keanggotaan yang or similar organizations based on generally
berlaku umum; applicable membership;
4. Perangkat atau perlengkapan yang diberikan kepada 4. Equipment or supplies provided to participants in
peserta dalam kegiatan kedinasan seperti seminar, official activities such as seminars, workshops,
workshop, konferensi, pelatihan, atau kegiatan sejenis, conferences, training, or similar activities that are
yang berlaku umum; generally applicable;
5. Hadiah tidak dalam bentuk uang atau alat tukar 5. Non-monetary gifts that are intended as promotional
lainnya yang dimaksudkan sebagai alat promosi or socialization tools with logos or messages, as long
atau sosialisasi yang menggunakan logo atau as they do not involve a conflict of interest and are
pesan sosialisasi, sepanjang tidak memiliki konflik generally applicable;
kepentingan dan berlaku umum;
6. Hadiah, apresiasi, atau penghargaan dari kejuaraan, 6. Prizes, appreciation, or awards from championships,
perlombaan, atau kompetisi yang diikuti dengan biaya races, or competitions entered at one’s own expense
sendiri dan tidak terkait dengan kedinasan; and unrelated to official duties;
7. Penghargaan, baik berupa uang atau barang, yang 7. Awards (money or goods) related to improving work
ada kaitannya dengan peningkatan prestasi kerja yang performance given by the government in accordance
diberikan oleh pemerintah sesuai dengan peraturan with applicable laws and regulations;
perundang-undangan yang berlaku;
8. Hadiah langsung/undian, diskon/rabat, voucher, point 8. Direct gifts/draws, discounts/rebates, vouchers, point
rewards, atau suvenir yang berlaku umum dan tidak rewards, or souvenirs that are generally applicable and
terkait kedinasan; not related to official duties;
9. Kompensasi atau honor atas profesi di luar 9. Compensation or honorarium for professions beyond
kegiatan kedinasan yang tidak terkait dengan tugas official activities that are not related to duties, as long
dan kewajiban, sepanjang tidak terdapat konflik as there is no conflict of interest and no violation of
kepentingan dan tidak melanggar peraturan/kode etik applicable regulations or codes of ethics;
pegawai/pejabat yang bersangkutan;
10. Kompensasi yang diterima terkait kegiatan kedinasan 10. Compensation related to official activities, such as
seperti honorarium, transportasi, akomodasi, dan honorarium, transportation, accommodation, and
pembiayaan yang telah ditetapkan dalam standar biaya financing determined by the applicable cost standards
yang berlaku di instansi penerima Gratifikasi sepanjang in the recipient agency, as long as there is no double
tidak terdapat pembiayaan ganda, tidak terdapat konflik financing, no conflict of interest, and no violation of
kepentingan, dan tidak melanggar ketentuan yang applicable provisions;
berlaku di instansi penerima;
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
11. Karangan bunga sebagai ucapan yang diberikan dalam 11. Bouquets of flowers given as greetings in events like
acara seperti pertunangan, pernikahan, kelahiran, engagement, marriage, birth, death, aqiqah, baptism,
kematian, akikah, baptis, khitanan, potong gigi, atau circumcision, tooth cutting, or other traditional/religious
upacara adat/agama lainnya, pisah sambut, pensiun, ceremonies, farewells, retirement, or promotion;
promosi jabatan;
12. Pemberian terkait dengan pertunangan, pernikahan, 12. Gifts related to engagement, marriage, birth, aqiqah,
kelahiran, akikah, baptis, khitanan, potong gigi, baptism, circumcision, tooth cutting, or other
atau upacara adat/agama lainnya dengan batasan ceremonies with a value limit of IDR1,000,000 (one
nilai sebesar Rp1.000.000,00 (satu juta rupiah) million rupiah) per giver;
setiap pemberi;
13. Pemberian terkait dengan musibah atau bencana 13. Gifts related to calamities or disasters experienced by
yang dialami oleh diri penerima Gratifikasi, suami, the recipient, their spouse, child, father, mother, father-
istri, anak, bapak, ibu, mertua, dan/atau menantu in-law, or son-in-law, as long as there is no conflict of
penerima Gratifikasi sepanjang tidak terdapat konflik interest and the gift is fair and reasonable;
kepentingan, dan memenuhi kewajaran atau kepatutan;
14. Pemberian sesama rekan kerja dalam rangka pisah 14. Gifts from coworkers for welcome or farewell events,
sambut, pensiun, mutasi jabatan, atau ulang tahun retirements, job transfers, or birthdays that are not in
yang tidak dalam bentuk uang atau alat tukar lainnya the form of money or other exchangeable items, with
paling banyak senilai Rp300.000,00 (tiga ratus ribu a maximum value of IDR300,000 per gift per person.
rupiah) setiap pemberian per orang, dengan total Total gifts from the same giver should not exceed
pemberian tidak melebihi Rp1.000.000,00 (satu juta IDR1,000,000 in one year, as long as there is no
rupiah) dalam 1 (satu) tahun dari pemberi yang sama, conflict of interest;
sepanjang tidak terdapat konflik kepentingan;
15. Pemberian sesama rekan kerja yang tidak dalam 15. Gifts from coworkers that are not in the form of money
bentuk uang atau alat tukar lainnya, dan tidak terkait or other exchangeable items and not related to official
kedinasan paling banyak senilai Rp200.000,00 (dua duties, with a maximum value of IDR200,000 per gift
ratus ribu rupiah) setiap pemberian per orang, dengan per person. Total gifts from the same giver should not
total pemberian tidak melebihi Rp1.000.000,00 exceed IDR1,000,000 in one year;
(satu juta rupiah) dalam 1 (satu) tahun dari pemberi
yang sama;
16. Pemberian berupa hidangan atau sajian yang 16. Gifts in the form of feast or dishes that are
berlaku umum; generally accepted;
17. Pemberian cendera mata/plakat kepada instansi dalam 17. Gifts of souvenirs/plaques to agencies in the context
rangka hubungan kedinasan dan kenegaraan, baik of official or state relations, both domestically and
di dalam negeri maupun luar negeri sepanjang tidak abroad, as long as they are not given to individual civil
diberikan untuk individu pegawai negeri. servants or state administrators.
Penerimaan Gratifikasi yang telah diputuskan milik Received Gratuities that have been decided to belong to
Perseroan memiliki alternatif pemanfaatan yaitu: the Company have alternative utilizations, namely:
1. Dikembalikan kepada Pemberi Gratifikasi; 1. Returned to the Giver of Gratification;
2. Disumbangkan kepada Yayasan Sosial atau Lembaga 2. Donated to a Social Foundation or other
Sosial lainnya; Social Institution;
3. Dimanfaatkan oleh Perusahaan untuk kegiatan 3. Utilized by the Company for operational activities, for
operasional, untuk perpustakaan atau untuk barang libraries, or for display items related to Gratification
display hasil pelaporan Gratifikasi; reporting products;
4. Diserahkan kepada Insan Tugu/Unit Kerja untuk 4. Handed over to Tugu Personnel/Work Units to be used
dimanfaatkan sebagai penunjang kinerja; as performance support;
5. Lainnya yang ditentukan oleh Direksi. 5. Other uses as determined by the Board of Directors.
Pedoman Gratifikasi ini berlaku mengikat bagi seluruh The Gratification Guideline is binding for all Tugu Personnel
Insan Tugu dengan kewajiban pelaporan mengikat kepada with mandatory reporting obligations to the Person Obliged
Wajib Lapor Gratifikasi. Pelanggaran terhadap Pedoman to Report Gratification. Violations of the Gratification
Gratifikasi akan dikenakan sanksi yang berlaku di Guideline will be subject to sanctions applicable in the
Perseroan dan berpotensi dikenakan tindak pidana sesuai Company and may lead to criminal charges in accordance
dengan peraturan perundang-undangan yang berlaku. with applicable laws and regulations.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 437
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pemberian Gratifikasi atas Permintaan Pihak Giving Gratification at the Request of a Third Party
Ketiga
Seluruh Insan Tugu dan/atau anggota keluarga inti dilarang All Tugu Personnel and/or immediate family members are
memberi Gratifikasi kepada Pihak Ketiga, baik secara prohibited from giving Gratification to Third Parties, either
langsung maupun tidak langsung, yang dilakukan karena directly or indirectly, if requested by the parties concerned.
adanya permintaan dari Pihak Ketiga tersebut.
Batasan atas Pemberian Gratifikasi yang Limitations on the Gifting of Gratuities Based on
Berdasarkan Permintaan Pihak Ketiga Third Party Requests
1. Insan Tugu apabila diminta untuk memberikan 1. If Tugu Personnel are asked to give gifts/souvenirs
hadiah/cinderamata dan hiburan (entertainment) and entertainment, they should politely refuse by
hendaknya menolak secara sopan dan santun dengan providing an explanation of the Gratuities policy and
memberikan penjelasan mengenai kebijakan dan regulations applied in the Company to the recipient.
aturan terkait Gratifikasi yang berlaku di Perusahaan This explanation can be conveyed with the assistance
kepada Penerima tersebut. Pemberian penjelasan ini of UPG Tugu Insurance, which also serves as a means
dapat disampaikan dengan bantuan dari UPG Tugu of socializing the Gratuities policy;
Insurance sekaligus juga merupakan salah satu bentuk
sosialisasi atas kebijakan Gratifikasi tersebut;
2. Apabila permintaan dimaksud mengarah kepada 2. If the request involves extortion and/or coercion that
pemerasan dan/atau pemaksaan yang dapat could affect the Company’s operational and business
mempengaruhi kelancaran proses operasional dan processes, particularly the Person Obliged to Report
bisnis Perusahaan, khususnya Wajib Lapor Gratifikasi Gratuities must immediately report it to their Direct
yang bersangkutan wajib segera melaporkannya kepada Supervisor. The report can be submitted through the
Atasan Langsung lalu dapat mengisi melalui aplikasi application in the Compliance Online System and/or
dalam Compliance Online System dan/atau melalui via email to UPG Tugu Insurance;
sarana elektronik (e-mail) kepada UPG Tugu Insurance;
3. Atasan Langsung Insan Tugu yang bersangkutan agar 3. The Direct Supervisor of the Tugu Personnel involved
segera mengkoordinasikan permasalahan tersebut should immediately coordinate the issue with top
dengan pimpinan tertinggi untuk mendapatkan management to make a decision on the action to be
keputusan mengenai tindakan yang akan diambil taken in response to the request. If there is any doubt
untuk menindaklanjuti permintaan tersebut. Apabila in decision-making, top management should escalate
menghadapi keraguan dalam pengambilan keputusan, the issue to higher management, with copies sent to
maka pimpinan tertinggi melaporkan hal tersebut the Compliance function.
kepada pimpinan yang lebih tinggi diatasnya dengan
tembusan kepada fungsi Compliance.
15.C
Kebijakan Pengadaan Barang dan Jasa
Goods and Services Procurement Policy
Tugu Insurance melaksanakan proses pengadaan Tugu Insurance has conducted the procurement process
barang dan jasa bagi penyedia barang dan jasa yang for goods and services that meet the required standards.
memenuhi persyaratan. Proses pengadaan dilakukan This process is carried out through fair competition among
melalui persaingan yang sehat dan wajar di antara suppliers and meets certain conditions based on clear and
penyedia barang dan jasa serta memenuhi syarat tertentu transparent terms and procedures. The implementation
berdasarkan ketentuan dan prosedur yang jelas dan of the procurement management process is based on 9
transparan. Penerapan manajemen proses pengadaan (nine) main principles, including: Effectiveness, Economy,
berdasarkan 9 (sembilan) prinsip utama, meliputi: Efektif, Transparency, Accountability, Efficiency, Competitiveness,
Ekonomis, Transparan, Bertanggung Jawab, Efisien, Fairness, Prudence, and Independence.
Kompetitif, Adil, Kehati-hatian, dan Kemandirian.
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Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pedoman Pengadaan Produk dan Jasa Guideline for Goods and Services Procurement
Dalam rangka menciptakan iklim persaingan yang To foster a healthy, orderly, and controlled competitive
sehat, tertib, dan terkendali, Tugu Insurance juga telah environment, Tugu Insurance has established Goods
memiliki Pedoman Pengadaan Barang dan Jasa yang and Services Procurement Guidelines. These guidelines
berisi kebijakan umum terkait proses pengadaan barang contain general policies regarding the procurement
dan jasa. Pengadaan barang dan jasa di masing-masing process, where the procurement of goods and services in
unit dilakukan oleh Fungsi Pengadaan atau tim tender each unit is carried out by the Procurement Function or the
secara efektif, efisien, dan ekonomis. Kebijakan tersebut tender committee in an effective, efficient, and economical
juga bertujuan untuk mempercepat proses pengambilan manner. This policy also aims to expedite decision-
keputusan dan meningkatkan profesionalisme, making processes and enhance the professionalism,
kemandirian, serta tanggung jawab para perencana, independence, and responsibility of the planners,
pelaksana, dan pengawas pengadaan barang dan jasa. implementers, and supervisors of the procurement of
goods and services.
Etika Pengadaan Barang dan Jasa Ethics of Goods and Services Procurement
Segenap elemen yang terlibat dalam pengadaan barang All elements involved in the procurement of goods and
dan jasa harus senantiasa mematuhi rambu-rambu services must always comply with the guidelines set by
yang telah ditentukan Perseroan dan mematuhi etika the Company and follow the ethics of goods and services
pengadaan barang dan jasa sebagai berikut: procurement as outlined below:
• Melaksanakan secara tertib, penuh rasa tanggung • Implement in an orderly manner with a full sense
jawab, demi kelancaran dan ketepatan tercapainya of responsibility, ensuring smoothness and
tujuan pengadaan barang dan jasa; accuracy in achieving the objectives of goods and
services procurement;
• Bekerja secara profesional dengan menjunjung tinggi • Work professionally by upholding
kejujuran, kemandirian, dan menjaga informasi yang honesty, independence, and maintaining
bersifat rahasia; confidential information;
• Tidak saling mempengaruhi baik langsung maupun • Do not influence one another, either directly or
tidak langsung, yang mengakibatkan persaingan yang indirectly, leading to unfair competition, a decrease
tidak sehat, penurunan kualitas proses pengadaan dan in the quality of the procurement process, and the
hasil pekerjaan; final results;
• Bertanggung jawab terhadap segala keputusan yang • Be accountable for all decisions made within
ditetapkan sesuai dengan kewenangannya; their authority;
• Mencegah terjadinya pertentangan kepentingan • Prevent conflicts of interest from parties involved,
(conflict of interest) pihak-pihak yang terlibat langsung directly or indirectly, in the procurement process;
maupun tidak langsung dalam proses pengadaan
barang dan jasa;
• Mencegah terjadinya kebocoran keuangan dan • Prevent financial leakage and losses to the Company;
kerugian Perusahaan;
• Tidak menyalahgunakan wewenang dan melakukan • Do not abuse authority or engage in collective actions
kegiatan bersama dengan tujuan untuk keuntungan aimed at personal, group, or other parties’ benefits
pribadi, golongan atau pihak lain yang secara langsung that may directly or indirectly harm the Company.
atau tidak langsung merugikan Perusahaan.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 439
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
15.D
Laporan Harta Kekayaan
Penyelenggara Negara (LKHPN)
Report of State Official Assets (LHKPN)
Prinsip Dasar LHKPN Basic Principles of LHKPN
Laporan Harta Kekayaan Penyelenggara Negara (LHKPN) The Report of State Official Assets (LHKPN) is a list
merupakan daftar seluruh harta kekayaan Penyelenggara of all the assets of State Officials, documented in the
Negara yang dituangkan dalam formulir LHKPN yang LHKPN form determined by the Corruption Eradication
ditetapkan oleh KPK sesuai dengan Peraturan Komisi Commission (KPK) as regulated in KPK Regulation No. 2
Pemberantasan Korupsi (KPK) No. 2 Tahun 2020 tentang of 2020 concerning Amendments to KPK Regulation No.
Perubahan atas Peraturan KPK No. 7 Tahun 2016 7 of 2016 on Procedures for Registration, Examination,
mengenai Tata Cara Pendaftaran, Pemeriksaan, dan and Announcement of the Report of State Official Assets.
Pengumuman Laporan Harta Kekayaan Penyelenggara Additionally, Law No. 28 of 1999 concerning State
Negara. Selain itu, Undang-Undang No. 28 Tahun 1999 Administrators Who are Clean and Free from Corruption,
tentang Penyelenggara Negara yang Bersih dan Bebas Collusion, and Nepotism (“Law No. 28/1999”) mandates
dari Korupsi, Kolusi, dan Nepotisme (UU No. 28/1999) that every State Official must report and announce their
mengamanatkan bahwa setiap Penyelenggara Negara assets before and after holding office.
wajib melaporkan dan mengumumkan Harta Kekayaannya
sebelum dan setelah memangku jabatan.
Berdasarkan Undang-undang No. 28/1999, Penyelenggara Under Law No. 28/1999, State Officials are those holding
Negara adalah Pejabat Negara yang menjalankan fungsi executive, legislative, or judicial functions, as well as other
eksekutif, legislatif, atau yudikatif, serta pejabat lain yang officials whose main duties and responsibilities are related
tugas pokoknya berkaitan dengan penyelenggaraan negara to state administration in accordance with the prevailing
sesuai dengan ketentuan peraturan perundang-undangan laws and regulations. The examination of LHKPN submitted
yang berlaku. Pemeriksaan LHKPN yang disampaikan to the KPK aims to ensure State Officials adhere to the
kepada KPK bertujuan untuk mewujudkan Penyelenggara general principles of state governance, which are free from
Negara yang menaati asas-asas umum penyelenggaraan corruption, collusion, nepotism, and other misconduct.
negara yang bebas dari praktik korupsi, kolusi, nepotisme, Every State Official is required to report their assets via
serta perbuatan tercela lainnya. Setiap Penyelenggara the LHKPN form provided by the KPK, to be filled out
Negara dituntut untuk melaporkan kekayaannya melalui honestly, correctly, and completely, allowing the KPK to
formulir LHKPN yang telah disediakan oleh KPK untuk analyze, evaluate, and assess the total amount, types, and
diisi secara jujur, benar, dan lengkap, agar KPK dapat values of the reported assets in a correct, timely, precise,
menganalisis, mengevaluasi, serta menilai jumlah, jenis, and responsible manner.
dan nilai harta kekayaan yang dilaporkan dengan cara yang
benar, cepat, tepat, akurat, dan bertanggung jawab.
Berdasarkan Surat Edaran KPK No. SE-08/01/10/2016 Based on KPK Circular No. SE-08/01/10/2016 regarding
tentang Petunjuk Teknis Penyampaian dan Pengelolaan Technical Guidelines for Submitting and Managing the
Laporan Harta Kekayaan Penyelenggara Negara setelah Report of State Officials’ Assets after the enactment of
diberlakukannya Peraturan KPK No. 07 Tahun 2016, KPK Regulation No. 07 of 2016, the submission of LHKPN,
penyampaian LHKPN sejak 1 Januari 2017 dilaksanakan starting from 1 January 2017, is conducted electronically
secara elektronik melalui aplikasi e-LHKPN. via the e-LHKPN application.
Dasar Hukum Penerapan LHKPN di Tugu Legal Basis for the Implementation of LHKPN in
Insurance Tugu Insurance
Penerapan LHKPN di Tugu Insurance dilaksanakan dengan The implementation of LHKPN at Tugu Insurance is
mengacu pada beberapa dasar hukum dan peraturan performed by referring to several laws and regulations as
sebagai landasan cara pandang penerapan LHKPN di the basis for the perspective of LHKPN implementation
lingkungan Perusahaan. Dasar hukum tersebut antara within the Company. The legal basis includes:
lain adalah:
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05 Tata Kelola Perusahaan
Corporate Governance 06 Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
• Undang-Undang No. 28 Tahun 1999 tentang • Law No. 28 of 1999 concerning State Officials
Penyelenggara Negara yang Bersih dan Bebas dari that are Clean and Free from Corruption, Collusion,
Korupsi, Kolusi, dan Nepotisme; and Nepotism;
• Undang-Undang No. 31 Tahun 1999 tentang • Law No. 31 of 1999 concerning the Eradication of
Pemberantasan Tindak Pidana Korupsi sebagaimana Criminal Acts of Corruption as amended by Law No.
telah diubah dengan Undang-Undang No. 20 Tahun 20 of 2001 concerning Amendments to Law No. 31
2001 tentang Perubahan atas Undang-Undang No. of 1999 concerning the Eradication of Criminal Acts
31 Tahun 1999 tentang Pemberantasan Tindak of Corruption;
Pidana Korupsi;
• Undang-Undang No. 30 Tahun 2002 tentang Komisi • Law No. 30 of 2002 concerning the Corruption
Pemberantasan Tindak Pidana Korupsi sebagaimana Eradication Commission as last amended by Law
terakhir kali diubah dengan Undang-Undang No. No. 19 of 2019 concerning the Second Amendment
19 Tahun 2019 tentang Perubahan Kedua atas to Law No. 30 of 2002 concerning the Corruption
Undang-Undang No. 30 Tahun 2002 tentang Komisi Eradication Commission;
Pemberantasan Tindak Pidana Korupsi;
• Peraturan KPK No. 7 Tahun 2016 tentang Tata Cara • KPK Regulation No. 7 of 2016 concerning Procedures
Pendaftaran, Pengumuman, dan Pemeriksaan Harta for Registration, Announcement, and Examination of
Kekayaan Penyelenggara Negara sebagaimana State Officials’ Assets as amended by KPK Regulation
telah diubah dengan Peraturan KPK No. 2 Tahun No. 2 of 2020 concerning Amendments to KPK
2020 tentang Perubahan atas Peraturan KPK No. Regulation No. 7 of 2016 concerning Procedures for
7 Tahun 2016 tentang Tata Cara Pendaftaran, Registration, Announcement, and Examination of State
Pengumuman, dan Pemeriksaan Harta Kekayaan Officials’ Assets;
Penyelenggara Negara;
• Surat Keputusan Pertamina No. Kpts-03/ • Pertamina’s Decree No. Kpts-03/C000000/2021-S0
C000000/2021-S0 tanggal 1 Februari 2021 tentang dated 1 February 2021 regarding the Obligation to
Kewajiban Penyampaian Laporan Harta Kekayaan Submit Report of State Official Assets (LHKPN) at PT
Penyelenggara Negara (LHKPN) di PT Pertamina Pertamina (Persero) and its Subsidiaries;
(Persero) dan Anak Perusahaan;
• Surat Keputusan Direksi No. 59/SKD/06/ERL-ATPI/ • Decree of the Board of Directors No. 59/SKD/06/
VI/2021 tentang Wajib Lapor atas Laporan Harta ERLATPI/VI/2021 concerning Compulsory Reporting
Kekayaan Penyelenggara Negara (LHKPN) PT Asuransi on the Report of State Official Assets (LHKPN) of PT
Tugu Pratama Indonesia Tbk; Asuransi Tugu Pratama Indonesia Tbk;
• Perjanjian Kerja Bersama (PKB) PT Asuransi Tugu • Collective Labor Agreement (PKB) of PT Asuransi Tugu
Pratama Indonesia Tbk. Pratama Indonesia Tbk.
Pedoman LHKPN LHKPN Guideline
Tugu Insurance telah memiliki Pedoman Kewajiban Tugu Insurance has established the Guidelines for the
Melaporkan Harta Kekayaan Penyelenggara Negara Obligation to Report State Officials’ Wealth (LHKPN
(Pedoman LHKPN) yang bertujuan untuk memberikan Guidelines) to provide a reference for Tugu personnel
acuan bagi Insan Tugu mengenai pelaksanaan regarding the implementation of electronic (e-LHKPN)
Pendaftaran, Pengumuman, dan Pemeriksaan LHKPN registration, disclosure, and examination. The currently
secara elektronik (e-LHKPN). Pedoman LHKPN yang saat applicable LHKPN Guidelines were enacted through Board
ini berlaku adalah pedoman yang disahkan melalui Surat of Directors Decree (SKD) No. 12/SKD/CSG/TPI/II/2018
Keputusan Direksi (SKD) No. 12/SKD/CSG/TPI/II/2018 dated 7 February 2018, and later revised through SKD No.
Tanggal 7 Februari 2018 melalui SKD No. 68/SKD/06/ 68/SKD/06/ERL-ATPI/IX/2021, issued on 28 September
ERL-ATPI/IX/2021 yang ditetapkan pada tanggal 28 2021, which established the Guidelines for the Obligation
September 2021 untuk pemberlakuan Pedoman Kewajiban to Submit the State Officials’ Wealth Report (LHKPN)
Penyampaian Laporan Harta Kekayaan Penyelenggara No. A-004/6500/2021 (1st Revision). Furthermore, the
Negara (LHKPN) No. A-004/6500/2021 revisi ke-1 guidelines were revitalized through LHKPN Guidelines No.
(Pedoman LHKPN) dan telah dilakukan revitalisasi A-005/6440/2024 (2nd Revision) dated 3 July 2024,
Pedoman LHKPN No. A-005/6440/2024 Revisi ke-2 regulating officials required to report LHKPN, the timing
tertanggal 3 Juli 2024 antara lain mengatur tentang and procedures for LHKPN submission, the electronic
pejabat yang wajib lapor LHKPN, waktu dan tata cara LHKPN (e-LHKPN) submission mechanisms, and the
penyampaian LHKPN, mekanisme penyampaian e-LHKPN, applicable sanctions.
serta sanksi yang berlaku.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 441
Page 444
01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Penerapan LHKPN di Tugu Insurance Implementation of LHKPN in Tugu Insurance
Unit yang bertanggung jawab atas pelaksanaan LHKPN di The unit responsible for managing the implementation of
lingkungan Perusahaan adalah fungsi Kepatuhan. Pejabat LHKPN within the Company is the Compliance function.
yang wajib melaporkan LHKPN adalah: The officials required to report LHKPN are:
1. Dewan Komisaris; 1. Board of Commissioners;
2. Dewan Pengawas Syariah; 2. Sharia Supervisory Board;
3. Direksi; 3. Board of Directors;
4. Senior Vice President/Deputy Director/ 4. Senior Vice President/Deputy Director/
jabatan setingkat; equivalent position;
5. Group Head; 5. Group Head;
6. Department Head; 6. Department Head;
7. Manager/jabatan setingkat; 7. Manager/equivalent position;
8. Kepala Kantor Cabang/PoSS, sesuai dengan Surat 8. Branch Office Head/PoSS, as per the applicable Board
Keputusan Direksi yang berlaku. of Directors Decision Letter.
Waktu dan Tata Cara Penyampaian LHKPN: Time and Procedure for Submitting LHKPN:
1. Pejabat Wajib Lapor harus menyampaikan LHKPN 1. Officials must report LHKPN to KPK upon:
kepada KPK pada saat:
a. Pengangkatan pertama kali; a. First appointment;
b. Pengangkatan kembali; b. Reappointment;
c. Berakhirnya masa jabatan dan pensiun. c. Expiry of term of office and retirement.
d. Masih menjabat. d. While still holding the position.
2. Penyampaian LHKPN harus dilakukan paling lambat 2. The LHKPN must be submitted no later than 3 (three)
3 (tiga) bulan terhitung sejak saat pengangkatan months from the time of the first appointment/
pertama/pengangkatan kembali/berakhirnya reappointment/expiry of office term.
masa jabatan;
3. Penyampaian LHKPN selama masa jabatan Pejabat 3. LHKPN submission during the term of the Person
Wajib Lapor dilakukan secara periodik setiap 1 (satu) Obliged to Report must be made periodically every
tahun sekali, atas harta kekayaan yang diperoleh year for assets acquired from 1 January to 31
sejak tanggal 1 Januari hingga 31 Desember, December, and submitted no later than 31 March of
dan disampaikan paling lambat tanggal 31 Maret the following year.
tahun berikutnya.
Sanksi Sanction
Dalam hal Penyelenggara Negara tidak melaporkan In the event that a State Official fails to report the e-LHKPN
e-LHKPN atau tidak memenuhi kewajibannya terkait or does not fulfill their obligations related to the LHKPN
penyampaian LHKPN, maka Perseroan dapat memberikan submission, the Company may impose sanctions on the
sanksi kepada Penyelenggara Negara sesuai dengan State Official in accordance with the applicable regulations
ketentuan yang berlaku di Perseroan. in the Company.
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15.E
Pelatihan/Sosialisasi Antikorupsi
kepada Karyawan
Training/Socialization of Anti-Corruption to Employees
Tugu Insurance melaksanakan sosialisasi dan internalisasi Tugu Insurance organizes socialization and internalization
komitmen anti korupsi untuk seluruh karyawan di setiap of the Anti-Corruption Commitment for all employees at
jenjang organisasi. Kegiatan sosialisasi dan internalisasi every level of the organization. Anti-Corruption socialization
anti korupsi ini dilakukan melalui tatap muka, email blast, and internalization activities are carried out through face-
akses melalui portal GCG, broadcast message melalui to-face meetings, email blasts, access via the GCG portal,
WhatsApp Compliance kepada Insan Tugu, dan sosialisasi broadcast messages via WhatsApp Compliance to Tugu
melalui media online seperti Zoom Meeting serta Personnel, and socialization through online media such as
Microsoft Teams (MTeams) dengan beberapa kegiatan Zoom Meetings and Microsoft Teams (“MTeams”). Some of
sebagai berikut: the activities include:
1. Pelatihan/Sosialisasi Efektivitas Pengendalian & 1. Training/Socialization on the Effectiveness of Anti-Fraud
Penerapan Anti Fraud pada Industri Asuransi di Control & Implementation in the Insurance Industry in
Era Digitalisasi; the Digitalization Era;
2. Pelatihan/Sosialisasi Dukungan Regulasi Anti 2. Training/Socialization on Anti-Money Laundering and
Pencucian Uang dan Pencegahan Pendanaan Terorisme Combating the Financing of Terrorism (AML-CFT)
(APU PPT) dalam Tindak Kejahatan Cybercrime dan in Cybercrime, and Implementation of Know Your
Implementasi Know Your Customer (KYC) pada Customer (KYC) in Insurance Companies.
Perusahaan Asuransi.
Insan Tugu juga menerapkan media sosialisasi lainnya, Tugu personnel also utilize various socialization media,
seperti pemasangan banner-banner dan digital signage such as installing banners and digital signage related to
terkait antikorupsi (do and don’t Code of Conduct, anti-corruption (including Do and Don’t Code of Conduct,
Gratifikasi, dan Whistleblowing System) pada tempat- Gratification, and Whistleblowing System) in strategic
tempat yang strategis dilalui oleh Insan Tugu. Pemasangan locations frequently accessed by Tugu personnel. The
banner terkait anti korupsi ini selain dilakukan di kantor installation of anti-corruption banners is carried out not
pusat juga di kantor cabang dan Point of Sales Service only at the head office but also at branch offices and
(PoSS) Tugu Insurance. Usaha preventif juga dilanjutkan Point of Sales Service (PoSS) locations of Tugu Insurance.
melalui pemuatan pengumuman penolakan praktik Preventive efforts are also continued by publishing
gratifikasi di website perusahaan saat menjelang hari announcements rejecting gratification practices on the
besar perayaan agama. Company’s website ahead of major religious celebrations.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
16.
Strategi Anti-Fraud
Anti-Fraud Strategy
Tindakan kecurangan atau fraud dapat terjadi setidaknya Fraudulent actions can occur due to at least three factors,
akibat 3 (tiga) hal, yaitu tekanan (pressure), kesempatan namely pressure, opportunity, and rationalization by the
(opportunity), dan rasionalisasi (rationalization) oleh perpetrator. The Company implements an Anti-Fraud
pelaku. Perseroan menerapkan Strategi Anti-Fraud sebagai Strategy as part of the measures to minimize fraud risk
bagian dari langkah untuk meminimalisasi risiko fraud di within the Company. The anti-fraud strategy is formulated
Perseroan. Strategi anti-fraud disusun berdasarkan Surat based on the Financial Services Authority Circular Letter
Edaran Otoritas Jasa Keuangan No. 46/SEOJK.05/2017 No. 46/SEOJK.05/2017 concerning Fraud Control, the
tentang Pengendalian Fraud, Penerapan Strategi Anti-Fraud, Implementation of an Anti-Fraud Strategy, and the Anti-
dan Laporan Strategi Anti-Fraud bagi Perusahaan Asuransi, Fraud Strategy Report for Insurance Companies, Islamic
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Insurance Companies, Reinsurance Companies, Islamic
Perusahaan Reasuransi Syariah, atau Unit Syariah. Reinsurance Companies, or Islamic Units.
Strategi Anti-Fraud terdiri dari 4 (empat) pilar yang saling The Anti-Fraud Strategy consists of four interrelated pillars:
berkaitan, yaitu:
1. Pencegahan; 1. Prevention;
2. Deteksi; 2. Detection;
3. Investigasi, pelaporan, dan sanksi; dan 3. Investigation, reporting, and sanctions; and
4. Pemantauan, evaluasi dan tindak lanjut; 4. Monitoring, evaluation, and follow-up;
Ketentuan Umum dalam Implementasi Strategi General Provisions in the Implementation of the
Anti-Fraud Anti-Fraud Strategy
Implementasi kebijakan ini merupakan bagian dari The implementation of this policy is part of the overall
manajemen risiko perusahaan secara keseluruhan. corporate risk management. Its effectiveness is supported
Efektivitas penerapannya didukung oleh aspek-aspek by the following key aspects:
utama berikut:
• Pengawasan aktif dari manajemen, termasuk peran • Active oversight by management, including the
Dewan Komisaris dan Direksi dalam memastikan roles of the Board of Commissioners and the
kebijakan ini berjalan dengan baik; Board of Directors in ensuring that this policy is
effectively implemented;
• Komitmen Zero Tolerance terhadap fraud, baik yang • A Zero Tolerance commitment toward fraud, whether
berasal dari internal maupun eksternal; it originates internally or externally;
• Penerapan strategi berbasis empat pilar dalam • The application of a four-pillar based strategy in
pengendalian fraud; fraud control;
• Peran aktif seluruh unit kerja dalam • The active participation of all work units in
mengimplementasikan kebijakan ini sesuai dengan implementing this policy in accordance with their
kewenangan masing-masing; respective authorities;
• Integrasi dengan kebijakan perusahaan lainnya, • Integration with other company policies, such as
seperti manajemen risiko, prinsip Good Corporate risk management, Good Corporate Governance (GCG)
Governance (GCG), dan sistem pengendalian internal; principles, and internal control systems;
• Penerapan kode etik yang ketat sebagai pedoman • The implementation of a strict code of ethics as a
profesionalisme bagi manajemen dan karyawan; guideline for professionalism among management
and employees;
• Budaya kepatuhan di seluruh jajaran, dengan • A culture of compliance throughout the organization,
memastikan setiap individu bertindak sesuai dengan ensuring that each individual acts in accordance
kebijakan internal maupun regulasi eksternal with internal policies as well as applicable
yang berlaku; external regulations;
• Pencegahan benturan kepentingan (Conflict • The prevention of conflicts of interest (COI) by
of Interest - COI) dengan melarang karyawan prohibiting employees from engaging in activities that
terlibat dalam aktivitas yang dapat menimbulkan could give rise to such conflicts;
konflik kepentingan.
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• Identifikasi bentuk fraud, termasuk: • Identification of types of fraud, including:
a. Kecurangan laporan keuangan (Financial Statement a. Financial Statement Fraud;
Fraud); b. Asset Misappropriation;
b. Penyalahgunaan aset (Asset Misappropriation); c. Corruption;
c. Korupsi (Corruption);
• Pendidikan dan pelatihan tentang fraud secara • Regular education and training on fraud, at least once
berkala, minimal satu kali dalam setahun, guna a year, to enhance the understanding of fraud risks.
meningkatkan pemahaman risiko fraud.
Kesadaran Anti-Fraud Anti-Fraud Awareness
Untuk meningkatkan kesadaran (awareness) atas anti-fraud To enhance anti-fraud awareness among employees,
bagi para pekerja, Perseroan melakukan langkah-langkah, the Company takes measures such as regularly sharing
seperti sharing session terkait anti-fraud dan whistleblowing sessions on anti-fraud and the whistleblowing system
system (WBS) secara berkala bagi seluruh pekerja di (WBS) for all employees within the Company Group,
lingkungan group perusahaan, serta pemasangan banner as well as installing banners containing anti-fraud and
berisi informasi anti-fraud dan WBS di tempat-tempat yang WBS information in strategic locations throughout the
strategis di lingkungan kantor Perseroan. Company’s office premises.
Tujuan Implementasi Strategi Anti-Fraud Purpose of Implementing the Anti-Fraud Strategy
Strategi Anti Fraud diimplementasikan dengan The Anti-Fraud Strategy is implemented with the
tujuan untuk: following objectives:
1. Meningkatkan sistem pengendalian internal sehingga 1. To enhance the internal control system so that the
dapat mewujudkan Tata Nilai AKHLAK yang telah AKHLAK Values established by the Company can
ditetapkan oleh perusahaan; be realized;
2. Sebagai bentuk penegasan kebijakan dari Perusahaan 2. To affirm the Company’s policy that fraud constitutes a
bahwa kecurangan (Fraud) merupakan bentuk tindak criminal act and immoral behavior, especially within the
kejahatan dan tindakan yang tidak bermoral khususnya Company’s organization.
dalam organisasi Perusahaan.
Dengan implementasi strategi ini, Perseroan menegaskan Through the implementation of this strategy, The
komitmennya untuk menciptakan lingkungan kerja yang Company reaffirms its commitment to creating a clean,
bersih, transparan, dan bebas dari segala bentuk fraud, transparent, and fraud-free work environment, as well as
serta memastikan keberlanjutan dan integritas bisnis ensuring the long-term sustainability and integrity of the
perusahaan dalam jangka panjang. company’s business.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
17.
Program Anti Pencucian Uang (APU) dan
Pencegahan Pendanaan Terorisme (PPT)
Anti-Money Laundering (AML) and
Counter-Terrorism Financing (CTF) Program
Dengan semakin berkembangnya produk dan layanan As financial products and services continue to evolve,
jasa keuangan, didukung oleh kemajuan teknologi supported by advancements in information technology,
informasi, risiko yang dihadapi oleh perusahaan juga companies face increasingly complex risks. One of the
semakin kompleks. Salah satu risiko utama adalah primary risks is the crime of Money Laundering and/or
tindak kejahatan Pencucian Uang dan/atau Pendanaan Terrorism Financing, which can negatively impact both
Terorisme, yang dapat berdampak negatif bagi perusahaan the company and the state. To mitigate this risk, Tugu
maupun negara. Untuk mengatasi risiko ini, Tugu Insurance has implemented the Anti-Money Laundering
Insurance menerapkan Program Anti Pencucian Uang and Counter-Terrorism Financing (AML-CTF) Program,
dan Pencegahan Pendanaan Terorisme (APU-PPT) yang which includes clear policies, procedures, and regulations
mencakup kebijakan, prosedur, dan regulasi yang jelas applicable to all relevant parties.
serta berlaku bagi seluruh pihak terkait.
Tujuan dan Ruang Lingkup Objectives and Scope
Program APU-PPT bertujuan untuk mengidentifikasi, The AML-CTF Program aims to identify, assess, mitigate,
menilai, memitigasi, dan memahami risiko yang and understand risks associated with money laundering
berkaitan dengan tindak pidana pencucian uang dan and terrorism financing crimes. The scope of this program
pendanaan terorisme. Ruang lingkup program ini includes AML-CTF implementation within Tugu Insurance,
mencakup implementasi APU-PPT di lingkungan Tugu particularly in recognizing customer profiles and identifying
Insurance, khususnya dalam mengenali profil pelanggan potential Suspicious Financial Transactions (SFT).
serta mengidentifikasi potensi Transaksi Keuangan
Mencurigakan (TKM).
Indikasi adanya tindak pidana pencucian uang dan Indications of money laundering and terrorism financing
pendanaan terorisme dapat dikenali melalui transaksi crimes can be identified through suspicious financial
keuangan yang mencurigakan, baik dalam bentuk transactions, either in cash or non-cash transactions of
transaksi tunai maupun non-tunai dengan jumlah besar significant amounts or with specific characteristics deemed
atau karakteristik tertentu yang dianggap tidak wajar. unusual. The AML-CTF implementation guidelines at Tugu
Pedoman dalam penerapan APU-PPT di Tugu Insurance Insurance refer to:
merujuk pada:
• Undang-Undang No. 8 Tahun 2010 tentang Pencegahan • Law No. 8 of 2010 on the Prevention and Eradication
dan Pemberantasan Tindak Pidana Pencucian Uang; of Money Laundering Crimes;
• Peraturan Otoritas Jasa Keuangan (POJK) No. 12/ • Financial Services Authority Regulation (POJK) No. 12/
POJK.01/2017 tentang Penerapan Program APU-PPT di POJK.01/2017 on the Implementation of AML-CTF
Sektor Jasa Keuangan; Programs in the Financial Services Sector;
• Peraturan Otoritas Jasa Keuangan (POJK) No. 23/ • Financial Services Authority Regulation (POJK) No. 23/
POJK.01/2019 tentang Perubahan atas POJK POJK.01/2019 on Amendments to POJK 12/2017;
12/2017;
• Peraturan Otoritas Jasa Keuangan (POJK) No. 8 Tahun • Financial Services Authority Regulation (POJK) No.
2023 tentang Penerapan Program Anti Pencucian Uang 8 of 2023 concerning Implementation of Anti-Money
(APU), Pencegahan Pendanaan Terorisme (PPT), dan Laundering (AML) Programs, Prevention of Terrorism
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Financing (PTF), and Prevention of Funding for
Massal (PPPSPM) di Sektor Jasa Keuangan. the Proliferation of Weapons of Mass Destruction
(PFPWMD) in the Financial Services Sector.
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Kewajiban Penerapan APU-PPT dan Pengawasan Obligations for AML-CTF Implementation and
Supervision
Sebagai bagian dari kepatuhan terhadap regulasi yang As part of compliance with applicable regulations, Tugu
berlaku, Tugu Insurance wajib mengidentifikasi, menilai, Insurance is required to identify, assess, and understand
dan memahami risiko pencucian uang dan pendanaan money laundering and terrorism financing risks based on
terorisme berdasarkan berbagai aspek, termasuk: various aspects, including:
• Profil nasabah; • Customer profile;
• Area geografis atau yurisdiksi terkait; • Geographic area or related jurisdiction;
• Produk dan jasa yang ditawarkan; • Offered products and services;
• Jenis transaksi dan jaringan distribusi. • Type of transactions and distribution network.
Dalam implementasi Program APU-PPT, Tugu Insurance In implementing the AML-CTF Program, Tugu Insurance is
berkewajiban untuk: required to:
1. Mendokumentasikan seluruh hasil penilaian risiko; 1. Document all risk assessment results;
2. Mempertimbangkan berbagai faktor risiko yang relevan; 2. Consider various relevant risk factors;
3. Memutakhirkan penilaian risiko secara berkala; 3. Regularly update risk assessments;
4. Menyediakan informasi terkait hasil penilaian risiko 4. Provide information on risk assessment results to the
kepada otoritas yang berwenang. competent authorities.
Penerapan Program APU-PPT Implementation of the AML-CTF Program
Pelaksanaan Program APU-PPT di lingkungan Tugu The implementation of the AML-CTF Program at Tugu
Insurance mencakup aspek berikut: Insurance encompasses the following aspects:
• Pengawasan aktif oleh Direksi dan Dewan Komisaris; • Active supervision by the Board of Directors and Board
of Commissioners;
• Penyusunan kebijakan dan prosedur • Development of comprehensive policies
yang komprehensif; and procedures;
• Penerapan sistem pengendalian internal yang efektif; • Implementation of effective internal control systems;
• Pemanfaatan sistem informasi, baik manual maupun • Utilization of information systems, both manual and
berbasis teknologi; technology-based;
• Peningkatan kualitas sumber daya manusia melalui • Enhancement of human resources quality through
pelatihan berkala. regular training.
Kebijakan dan Prosedur Policies and Procedures
Tugu Insurance menerapkan Program APU-PPT sesuai Tugu Insurance enforces the AML-CTF Program in
dengan ketentuan perundang-undangan yang berlaku. accordance with applicable laws and regulations. In this
Dalam hal ini, perusahaan dilarang untuk: regard, the company is prohibited from:
• Membuka atau memelihara rekening anonym; • Opening or maintaining anonymous accounts;
• Menggunakan nama fiktif yang tidak sesuai dengan • Using fictitious names that do not match
identitas resmi. official identities.
Sebagai bagian dari kebijakan yang tidak terpisahkan As part of the policy integrated into the AML-CTF
dari Pedoman APU-PPT, Tugu Insurance menetapkan Guidelines, Tugu Insurance establishes provisions
ketentuan terkait: related to:
1. Identifikasi dan verifikasi nasabah; 1. Customer identification and verification;
2. Identifikasi dan verifikasi Beneficial Owner (BO); 2. Identification and verification of Beneficial Owners (BO);
3. Langkah-langkah mitigasi terhadap risiko pencucian 3. Risk mitigation measures against money laundering
uang dan pendanaan terorisme. and terrorism financing.
Pengendalian Internal, Sumber Daya Manusia, dan Internal Control, Human Resources, and Training
Pelatihan
Efektivitas Program APU-PPT sangat bergantung pada The effectiveness of the AML-CTF Program relies heavily
pengawasan internal yang ketat. Tugu Insurance on strict internal supervision. Tugu Insurance implements
melaksanakan pengendalian internal dengan internal control measures, including:
langkah-langkah berikut:
• Audit berkala oleh Satuan Kerja Internal Audit; • Periodic audits by the Internal Audit Unit;
• Pengujian sampel acak untuk menilai efektivitas • Random sampling tests to assess program
implementasi program; implementation effectiveness;
• Dokumentasi dan pemutakhiran indikator transaksi • Documentation and updating of suspicious transaction
mencurigakan di seluruh unit kerja. indicators across all work units.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dalam aspek sumber daya manusia, implementasi APU- Regarding human resources, AML-CTF
PPT dilakukan melalui: implementation involves:
• Metode penyaringan (pre-screening) bagi • Pre-screening methods for prospective employees
calon karyawan sesuai dengan tingkat according to the company’s level of complexity;
kompleksitas perusahaan;
• Pemantauan profil pekerja, termasuk perilaku dan gaya • Monitoring employee profiles, including behavior and
hidup yang dapat mengindikasikan risiko tertentu; lifestyle that may indicate potential risks;
• Pelatihan berkala, baik secara online (berkolaborasi • Regular training, conducted both online (in collaboration
dengan OJK/PPATK) maupun offline (melalui seminar with OJK/PPATK) and offline (through seminars and
dan workshop dengan praktisi profesional). workshops with professional practitioners).
Penerapan APU-PPT di Jaringan Kantor dan Anak AML-CTF Implementation in Branch Offices and
Perusahaan Subsidiaries
Tugu Insurance memastikan bahwa kebijakan dan prosedur Tugu Insurance ensures that AML-CTF policies and
APU-PPT diterapkan secara menyeluruh di jaringan kantor procedures are comprehensively implemented across
dan anak perusahaan. branch offices and subsidiaries.
• Apabila kantor cabang atau anak perusahaan berada • If a branch office or subsidiary is located in a country
di negara yang memiliki regulasi APU-PPT lebih ketat with stricter AML-CTF regulations than POJK, the
daripada POJK, maka perusahaan wajib mengikuti company must comply with that country’s regulations;
ketentuan di negara tersebut;
• Sebaliknya, jika regulasi negara tempat anak • Conversely, if the country’s regulations are more lenient
perusahaan lebih longgar dibandingkan POJK atau than POJK or do not adhere to FATF standards, branch
belum mematuhi standar FATF, maka jaringan kantor offices and subsidiaries must implement the AML-CTF
dan anak perusahaan harus menerapkan standar APU- standards set by regulators in Indonesia.
PPT yang ditetapkan oleh regulator di Indonesia.
Pelaporan Reporting
Sebagai bagian dari kepatuhan terhadap regulasi, Tugu As part of regulatory compliance, Tugu Insurance is
Insurance wajib menyampaikan laporan terkait Program required to submit reports related to the AML-CTF
APU-PPT kepada Otoritas Jasa Keuangan (OJK) dan Pusat Program to the Financial Services Authority (OJK) and the
Pelaporan dan Analisis Transaksi Keuangan (PPATK), Financial Transaction Reports and Analysis Center (PPATK),
termasuk: including:
• Laporan Rencana Kegiatan Pengkinian Data • Annual Activity Plan Update Reports and Data Update
dan Laporan Realisasi Pemutakhiran Data yang Realization Reports, submitted annually by the end
disampaikan setiap tahun, paling lambat pada of December;
akhir Desember;
• Laporan Transaksi Keuangan Mencurigakan serta • Suspicious Financial Transaction Reports and other
laporan lainnya sesuai dengan ketentuan yang reports in accordance with the provisions set by PPATK.
ditetapkan oleh PPATK.
Dengan implementasi Program APU-PPT yang sistematis Through the systematic implementation of the AML-CTF
dan berbasis pada regulasi yang berlaku, Tugu Insurance Program based on applicable regulations, Tugu Insurance
berkomitmen untuk menjaga integritas sistem keuangan, is committed to maintaining the integrity of the financial
serta mendukung upaya nasional dalam mencegah system and supporting national efforts to prevent and
dan memberantas tindak pidana pencucian uang dan combat money laundering and terrorism financing crimes.
pendanaan terorisme.
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Audited Report
18.
Penanganan Keluhan dan
Pengaduan Pelanggan
Customer Complaints Handling and Resolution
Sesuai dengan Peraturan Otoritas Jasa Keuangan (OJK) In accordance with the Financial Services Authority
No. 69/POJK.05/2016 tentang Penyelenggaraan Usaha (OJK) Regulation No. 69/POJK.05/2016 concerning the
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Business Operations of Insurance Companies, Sharia
Perusahaan Reasuransi, dan Perusahaan Reasuransi Insurance Companies, Reinsurance Companies, and
Syariah, seluruh perusahaan asuransi, termasuk Unit Sharia Reinsurance Companies, all insurance companies,
Syariah, diwajibkan untuk menyelesaikan setiap keluhan including Sharia Units, are required to resolve any
dan pengaduan yang diajukan oleh pemegang polis, complaints and grievances submitted by policyholders,
peserta, tertanggung, atau Perusahaan Ceding terkait participants, insured parties, or Ceding Companies related
produk asuransi yang disediakan. to the insurance products provided.
Sebagai bagian dari kepatuhan terhadap regulasi tersebut, As part of compliance with this regulation, Tugu Insurance
Tugu Insurance telah menetapkan pedoman penanganan has established guidelines for handling complaints and
keluhan dan pengaduan guna memastikan setiap grievances to ensure that every customer issue is resolved
permasalahan pelanggan dapat diselesaikan secara efektif effectively and transparently. Additionally, customers
dan transparan. Selain itu, pelanggan yang mengajukan filing complaints must provide supporting documents to
pengaduan wajib menyertakan dokumen pendukung untuk expedite the resolution process.
mempercepat proses penyelesaian.
Sarana Komunikasi dan Teknologi Informasi Communication and Information Technology
Channels
Sebagai penyedia layanan asuransi, Tugu Insurance As an insurance service provider, Tugu Insurance is
berkomitmen untuk menyediakan sarana komunikasi committed to offering accessible communication and
dan informasi yang mudah diakses oleh pemegang information channels for policyholders, participants,
polis, peserta, tertanggung, dan Perusahaan Ceding. insured parties, and Ceding Companies. To ensure
Dalam rangka memastikan komunikasi yang efektif, Tugu effective communication, Tugu Insurance provides multiple
Insurance memiliki berbagai kanal komunikasi, antara lain: communication channels, including:
• Alamat surat menyurat; • Official mailing address;
• Telepon; • Telephone;
• Surat elektronik (email); • Electronic mail (email);
• Faksimile; • Facsimile;
• Situs web resmi. • Official website.
Khusus untuk situs web, Tugu Insurance wajib menyajikan Specifically for the official website, Tugu Insurance is
informasi berikut: required to present the following information:
1. Profil Perusahaan; 1. Company profile;
2. Ringkasan informasi produk yang dipasarkan; 2. Summary of marketed insurance products;
3. Prosedur dan tata cara transaksi; 3. Procedures and transaction guidelines;
4. Daftar agen dan broker aktif; 4. List of active agents and brokers;
5. Informasi tata cara pelayanan dan 5. Guidelines for customer service and
penyelesaian pengaduan; complaint resolution;
6. Implementasi sistem tata kelola perusahaan yang 6. Corporate governance implementation, as stated in the
dimuat dalam laporan tahunan; annual report;
7. Kinerja masing-masing sub-dana investasi perusahaan; 7. Performance of each sub-investment fund managed by
the company;
8. Informasi lain yang diwajibkan oleh regulasi atau 8. Other information mandated by regulations or
kebutuhan perusahaan. corporate needs.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Mekanisme Pelayanan dan Penyelesaian Customer Complaint Handling and Resolution
Pengaduan Pelanggan Mechanism
Tugu Insurance bertanggung jawab untuk menangani dan Tugu Insurance is responsible for handling and resolving
menyelesaikan pengaduan pelanggan sebelum eskalasi customer complaints before escalation to other parties.
ke pihak lain. Dalam prosesnya, perusahaan menerapkan In the process, the company adheres to the principles
prinsip aksesibilitas, independensi, efisiensi, efektivitas, of accessibility, independence, efficiency, effectiveness,
dan keadilan. and fairness.
Pengaduan dapat disampaikan melalui berbagai jalur, Complaints may be submitted through various channels,
seperti: including:
• Tatap muka langsung; • Face-to-face meetings;
• Surat tertulis; • Written letters;
• Email. • Email.
Namun, pengaduan yang disampaikan melalui pemberitaan However, complaints submitted through media publications
media massa tidak termasuk dalam kategori yang wajib are not considered formal complaints that require
ditindaklanjuti sebagai pengaduan resmi. mandatory follow-up.
Tugu Insurance wajib menindaklanjuti dan menyelesaikan Tugu Insurance must address and resolve customer
pengaduan pelanggan dalam waktu maksimal 20 hari complaints within a maximum of 20 working days. If
kerja. Jika diperlukan, jangka waktu ini dapat diperpanjang necessary, this timeframe may be extended under the
dalam kondisi berikut: following conditions:
• Pengaduan terkait transaksi keuangan yang • The complaint involves financial transactions requiring
memerlukan verifikasi dokumen secara mendalam; in-depth document verification;
• Kantor yang menerima pengaduan berbeda dengan • The office receiving the complaint is different from
lokasi terjadinya permasalahan sehingga terjadi the location where the issue occurred, leading to
kendala komunikasi; communication challenges;
• Adanya faktor di luar kendali perusahaan, seperti • Factors beyond the company’s control, such as the
keterlibatan pihak ketiga dalam transaksi pelanggan. involvement of third parties in customer transactions.
Cakupan Tata Cara Komunikasi dengan Pelanggan Scope of Customer Communication Procedures
Dalam setiap interaksi dengan pelanggan, Tugu Insurance In every interaction with customers, Tugu Insurance
memastikan bahwa prosedur pelayanan dan penyelesaian ensures that service and complaint resolution procedures
pengaduan disajikan dalam format yang jelas, mudah are presented in a clear, accessible, and easily
diakses, dan dipahami. Jika hasil analisis menunjukkan understandable format. If an investigation confirms that
bahwa pengaduan terjadi akibat kesalahan dari pihak the complaint arises from an error on the company’s part,
perusahaan, maka Tugu Insurance berkewajiban untuk Tugu Insurance is obligated to offer a fair resolution.
menawarkan solusi penyelesaian yang adil.
Sepanjang proses penanganan pengaduan, Tugu Insurance Throughout the complaint handling process, Tugu
wajib menjaga kerahasiaan informasi pelanggan dan Insurance is committed to maintaining customer
tidak boleh mengungkapkan kepada pihak lain, kecuali confidentiality and must not disclose information to
kepada OJK dalam rangka penyelesaian pengaduan atau any third party, except to OJK for complaint resolution
jika diwajibkan oleh regulasi yang berlaku. Pelanggan juga purposes or if required by applicable regulations.
dapat memantau perkembangan status pengaduan melalui Customers may also track the status of their complaints
Sistem Pelayanan Pelanggan Terintegrasi Sektor Jasa through the Integrated Financial Services Sector Customer
Keuangan yang dikelola oleh OJK. Service System managed by OJK.
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Metode Penyelesaian Pengaduan Pelanggan Customer Complaint Resolution Methods
Tugu Insurance memiliki beberapa mekanisme dalam Tugu Insurance employs several mechanisms for resolving
menyelesaikan pengaduan pelanggan, antara lain: customer complaints, including:
1. Penyelesaian secara langsung – Melalui permintaan 1. Direct resolution – Through an apology and
maaf dan pemberian kompensasi jika diperlukan; compensation if deemed necessary;
2. Melalui lembaga alternatif penyelesaian sengketa – 2. Alternative dispute resolution institutions – If a
Jika pengaduan tidak terselesaikan secara langsung, complaint cannot be resolved directly, the customer
pelanggan dapat mengajukan sengketa ke lembaga may escalate the dispute to an OJK-approved dispute
penyelesaian yang telah disetujui oleh OJK. Tugu resolution institution. Tugu Insurance is obligated to
Insurance wajib menjalankan keputusan yang comply with the decision issued by such institutions.
ditetapkan oleh lembaga tersebut.
Unit Kerja Penanganan Keluhan dan Pengaduan Complaint Handling and Resolution Unit
Untuk memastikan efektivitas proses penyelesaian To ensure an effective complaint resolution process, the
pengaduan, Direksi Tugu Insurance membentuk unit kerja Board of Directors of Tugu Insurance has established
khusus yang bertanggung jawab dalam menangani layanan a dedicated unit responsible for customer service and
pelanggan dan penyelesaian sengketa. Pegawai atau dispute resolution. Employees or officials appointed to this
pejabat yang ditunjuk dalam unit ini harus memiliki: unit must possess:
• Pemahaman mendalam mengenai produk dan layanan • In-depth knowledge of the company’s insurance
asuransi yang disediakan perusahaan; products and services;
• Pengalaman dalam bidang layanan pelanggan; • Experience in customer service;
• Wewenang untuk mengambil keputusan terkait • Authority to make decisions regarding
penyelesaian pengaduan. complaint resolution.
Komitmen terhadap Kepuasan Pelanggan Commitment to Customer Satisfaction
Sebagai perusahaan asuransi yang berorientasi pada As a customer-oriented insurance company, Tugu Insurance
kepuasan pelanggan, Tugu Insurance berkomitmen untuk is committed to providing clear guidelines and procedures
menyediakan pedoman dan prosedur yang jelas dalam for handling complaints and grievances. By implementing a
menangani setiap keluhan dan pengaduan. Dengan transparent and professional system, the company aims to
penerapan sistem yang transparan dan profesional, ensure that customers feel respected, valued, and receive
diharapkan pelanggan merasa dihormati, dihargai, the best possible solutions to their concerns.
serta mendapatkan solusi terbaik atas permasalahan
yang dihadapi.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
19.
Kesesuaian Penerapan Tata Kelola Tugu
Insurance Terhadap Pedoman Tata Kelola
Perusahaan Terbuka
Conformity of Tugu Insurance GCG Implementation with the
Governance Guidelines for Public Companies
Sebagai perusahaan terbuka, Tugu Insurance berkomitmen Tugu Insurance, as a public company, is committed to
untuk menerapkan Pedoman Tata Kelola Perusahaan implementing the Governance Guidelines for Public
Terbuka yang mencakup 5 (lima) aspek, 8 (delapan) prinsip Companies, which include 5 (five) aspects, 8 (eight)
tata kelola perusahaan yang baik, serta 25 rekomendasi principles of good corporate governance, and 25
penerapan aspek dan prinsip tata kelola perusahaan recommendations for the implementation of aspects
yang baik, sebagaimana yang diatur dalam Peraturan OJK and principles of good corporate governance, as outlined
No. 21/POJK.04/2015 tentang Penerapan Pedoman in OJK Regulation No. 21/POJK.04/2015 concerning
Tata Kelola Perusahaan Terbuka dan Surat Edaran OJK the Implementation of Governance Guidelines for
No. 32/SEOJK.04/2015 tentang Pedoman Tata Kelola Public Companies and OJK Circular Letter No. 32/
Perusahaan Terbuka. SEOJK.04/2015 concerning Governance Guidelines for
Public Companies.
Penerapan Pedoman Tata Kelola Perusahaan Terbuka The implementation of the Governance Guidelines for
di lingkup Perseroan pada tahun 2024 adalah Public Companies at Tugu Insurance in 2024 is as follows:
sebagai berikut:
Aspek I: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-hak Pemegang Saham
Aspect I: Relationship of Publicly Listed Company with Shareholders in Guaranteeing Shareholders' Rights
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 1 1.Perusahaan Terbuka memiliki cara MEMENUHI
Meningkatkan Nilai atau prosedur teknis pengumpulan Perseroan telah memiliki cara atau prosedur teknis pengumpulan suara
Penyelenggaraan RUPS. suara (voting), baik secara terbuka (voting), baik secara terbuka maupun tertutup, yang mengedepankan
maupun tertutup, yang mengedepankan independensi dan kepentingan pemegang saham, Perusahaan
Principle 1 independensi dan kepentingan melaksanakan RUPS secara fisik dan elektronik.
Increase the Value of pemegang saham. Tata cara atau prosedur teknis pengumpulan suara (voting) untuk
GMS Holding. pemegang saham yang hadir secara fisik dan elektronik. telah,
1.1. Public Company has technical dibacakan dan tercantum dalam tata tertib RUPS
procedures for open or close voting
that promote independence and the COMPLY
interests of shareholders. The Company has established technical procedures for vote collection
(voting), both open and closed, prioritizing independence and the
interests of shareholders. The Company conducts General Meetings of
Shareholders (GMS) both physically and electronically.
The technical procedures for vote collection (voting) for shareholders
attending physically and electronically have been read out and are
included in the GMS rules and procedures.
1.2. Seluruh anggota Direksi dan anggota MEMENUHI
Dewan Komisaris Perusahaan Terbuka Seluruh anggota Direksi dan anggota Dewan Komisaris Tugu Insurance
hadir dalam RUPST. hadir dalam RUPST.
1.2. All members of the Board of Directors COMPLY
and Board of Commissioners of the All members of the Board of Directors and members of the Board of
Public Company attend the AGMS. Commissioners of Tugu Insurance were present at the AGMS.
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1.3. Ringkasan risalah RUPS tersedia MEMENUHI
dalam situs web Perusahaan Terbuka Tugu Insurance telah menyediakan Ringkasan Risalah RUPS dalam
paling sedikit selama 1 (satu) tahun. situs perusahaan www.tugu.com.
1.3. Summary minutes of the AGMS are COMPLY
available on the website of the Public Tugu Insurance has provided a summary of the GMS Minutes on the
Company for at least 1 (one) year. company website at www.tugu.com.
Prinsip 2 2.1. Perusahaan Terbuka memiliki suatu MEMENUHI
Meningkatkan Kualitas kebijakan komunikasi dengan Perseroan telah memiliki kebijakan komunikasi dengan pemegang
Komunikasi Perusahaan pemegang saham atau investor. saham atau investor.
Terbuka dengan
Pemegang Saham atau 2.1. Public Company has a communication COMPLY
Investor. policy with shareholders or investors. The Company has a communication policy with shareholders or
investors.
Principle 2 2.2. Perusahaan Terbuka mengungkapkan MEMENUHI
Increase the Quality kebijakan komunikasi Perusahaan Kebijakan komunikasi dengan pemegang saham atau investor
of Public Company’s Terbuka dengan pemegang saham Perseroan dapat diakses pada situs web Perusahaan www.tugu.com.
Communications atau investor dalam situs web.
with Shareholders or COMPLY
Investors. 2.2. Public Company discloses the The Company's communication policy with shareholders or investors
communication policy with can be accessed on the Company's website at www.tugu.com.
shareholders or investors on the
website.
Aspek II : Fungsi dan Peran Dewan Komisaris
Aspect II : Function and Role of the Board of Commissioners
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 3 3.1. Penentuan jumlah anggota Dewan MEMENUHI
Memperkuat Komisaris mempertimbangkan kondisi Selain mengacu kepada Peraturan Otoritas Jasa Keuangan (POJK)
Keanggotaan dan Perusahaan Terbuka. mengenai Tata Kelola Perusahaan Perasuransian, penentuan
Komposisi Dewan jumlah anggota Dewan Komisaris telah mempertimbangkan kondisi
Komisaris. 3.1. Determination of the number of the Perusahaan Terbuka dan mengacu pada POJK 33/POJK.04/2014
Board of Commissioners members tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik.
Principle 3 has considered the Public Company’s
Strengthen Membership condition. COMPLY
and Composition In addition to referring to the Financial Services Authority Regulation
of the Board of (POJK) regarding Insurance Company Governance, in determining the
Commissioners. number of members of the Board of Commissioners has taken into
account the conditions of the Public Company and refers to POJK
33/POJK.04/2014 concerning the Board of Directors and Board of
Commissioners of Issuers or Public Companies.
3.2. Penentuan komposisi anggota MEMENUHI
Dewan Komisaris memperhatikan Komposisi anggota Dewan Komisaris telah memenuhi kebutuhan
keberagaman keahlian, pengetahuan, Perseroan. Masing-masing anggota Komisaris memiliki pendidikan,
dan pengalaman yang dibutuhkan. pengalaman, dan kompetensi yang sesuai dengan kebutuhan
Perseroan, sebagaimana yang telah diungkapkan pada Laporan
3.2. Determination of the Board of Tahunan ini. Semua anggota Dewan Komisaris telah dinyatakan lulus fit
Commissioners Composition has & proper test dari OJK.
considered the diversity of skills,
knowledge, and experience required. COMPLY
The composition of the Board of Commissioners meets the Company's
needs. Each member of the Board of Commissioners possesses the
education, experience, and competencies required by the Company,
as disclosed in this Annual Report. All members of the Board of
Commissioners have passed the fit and proper test conducted by the
Financial Services Authority (OJK).
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Prinsip 4 4.1. Dewan Komisaris mempunyai MEMENUHI
Meningkatkan Kualitas kebijakan penilaian sendiri (self- Perseroan telah mempunyai kebijakan penilaian sendiri untuk Dewan
Pelaksanaan Tugas dan assessment) untuk menilai kinerja Komisaris sebagaimana disepakati dalam Key Performance Indicator
Tanggung Jawab Dewan Dewan Komisaris. (KPI) Dewan Komisaris. Perseroan telah memiliki Komite Nominasi
Komisaris. dan Remunerasi yang membantu melakukan evaluasi terhadap kinerja
4.1. Board of Commissioners has a self- Dewan Komisaris.
Principle 4 assessment policy to assess their
Enhance the Quality performance. COMPLY
of the Board of The Company has established its own evaluation policy for the Board
Commissioners Duties of Commissioners, as agreed upon in the Key Performance Indicators
and Responsibilities (KPI) of the Board of Commissioners. The Company also has a
Implementation. Nomination and Remuneration Committee, which assists in evaluating
the performance of the Board of Commissioners.
a. Kebijakan penilaian sendiri (self- MEMENUHI
assessment) untuk menilai kinerja Kebijakan penilaian sendiri (self-assessment) untuk menilai kinerja
Dewan Komisaris diungkapkan Dewan Komisaris telah diungkapkan dalam Laporan Tahunan ini.
melalui Laporan Tahunan Perusahaan
Terbuka. COMPLY
The self-assessment policy for assessing the performance of the Board
a. Self-assessment to assess the of Commissioners has been disclosed in this Annual Report.
performance of the Board of
Commissioners is disclosed in the
Annual Report of the Public Company.
b. Dewan Komisaris mempunyai MEMENUHI
kebijakan terkait pengunduran diri Berdasarkan Permen BUMN 03/03/2023, POJK 33/POJK.04/2014
anggota Dewan Komisaris apabila dan juga AD/ART Perusahaan, bahwa setiap anggota Dewan
terlibat dalam kejahatan keuangan. Komisaris yang tidak memenuhi syarat untuk menjadi anggota Dewan
Komisaris dengan alasan apapun termasuk didalamnya adalah terlibat
b. Board of Commissioners has a kejahatan keuangan maka jabatannya sebagai Dewan Komisaris
policy on the resignation of Board dapat diberhentikan. Dalam hal anggota Dewan Komisaris tersebut
of Commissioners members when mengundurkan diri maka akan diputuskan dalam mekanisme RUPS.
engaged in financial crime.
COMPLY
Based on Ministerial Regulation of SOEs No. 03/03/2023, OJK
Regulation No. 33/POJK.04/2014, and the Company’s Articles of
Association (AD/ART), any member of the Board of Commissioners
who fails to meet the requirements to serve as a commissioner, for any
reason—including involvement in financial crimes—may be dismissed
from their position. In the event that a Board of Commissioners
member resigns, the decision will be made through the GMS (General
Meeting of Shareholders) mechanism.
c. Dewan Komisaris atau Komite yang MEMENUHI
menjalankan fungsi Remunerasi Telah disusun kebijakan suksesi dalam desain talent pool management
dan Nominasi menyusun kebijakan system untuk mencapai keberlanjutan proses nominasi anggota Direksi.
suksesi dalam proses Nominasi
anggota Direksi. COMPLY
A succession policy has been prepared in the design of the talent pool
c. Board of Commissioners or management system to achieve continuity in the nomination process
the Committee carrying out the for members of the Board of Directors.
Remuneration and Nomination
function formulates a succession
policy in the nomination of Board of
Directors members.
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Aspek III : Fungsi dan Peran Direksi
Aspect III : Function and Role of the Board of Directors
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 5 5.1. Penentuan jumlah anggota Direksi MEMENUHI
Memperkuat mempertimbangkan kondisi Perusahaan Penentuan jumlah anggota Direksi telah mempertimbangkan
Keanggotaan dan Terbuka serta efektivitas dalam kondisi Perusahaan dan mengacu pada POJK No. 73/
Komposisi Direksi. pengambilan keputusan. POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik bagi
Perusahaan Perasuransian sebagaimana telah diubah dengan
Principle 5 5.1. Determination of the number of the Board POJK No. 43/POJK.05/2019 tentang Perubahan atas POJK
Strengthening the of Directors members has considered No. 73/POJK.05/2016 tentang Tata Kelola Perusahaan yang
Membership and the Public Company's condition and Baik bagi Perusahaan Perasuransian, serta POJK No. 33/
Composition of the effectiveness in decision-making. POJK.04/2014 tentang Direksi dan Dewan Komisaris Emiten
Board of Directors. atau Perusahaan Publik.
COMPLY
Determination of the number of members of the Board of
Directors has taken into account the condition of the Company
and refers to POJK No. 73/POJK.05/2016 concerning Good
Corporate Governance for Insurance Companies as amended by
POJK No. 43/POJK.05/2019 concerning Amendments to POJK
No. 73/POJK.05/2016 concerning Good Corporate Governance
for Insurance Companies, and POJK No. 33/POJK.04/2014
concerning the Board of Directors and Board of Commissioners
of Issuers or Public Companies.
a. Penentuan komposisi anggota Direksi MEMENUHI
memperhatikan keberagaman keahlian, Komposisi anggota Direksi telah memenuhi kebutuhan
pengetahuan, dan pengalaman yang Perseroan. Masing-masing anggota Direksi memiliki pendidikan,
dibutuhkan. pengalaman, dan kompetensi yang sesuai dengan kebutuhan
Perseroan, sebagaimana yang telah diungkapkan dalam Laporan
a. Determination of the composition of Board Tahunan ini. Semua anggota Direksi telah dinyatakan lulus fit &
of Directors members has considered proper test dari OJK.
the diversity of skills, knowledge, and
experience needed. COMPLY
The composition of the members of the Board of Directors has
complied with the needs of the Company. Each member of the
Board of Directors has education, experience, and competence
in accordance with the needs of the Company as disclosed
in this Annual Report. All members of the Board of Directors
have passed the fit and proper test conducted by the Financial
Services Authority (OJK).
b. Anggota Direksi yang membawahi bidang MEMENUHI
akuntansi atau keuangan memiliki keahlian Bapak Emil Hakim, sebagai Direktur Keuangan dan Layanan
dan/atau pengetahuan di bidang akuntansi. Korporat yang membawahi bidang akuntansi atau keuangan,
memiliki latar belakang pendidikan, pengalaman kerja, serta
b. Board of Directors member in charge of keahlian dan/atau pengetahuan di bidang akuntansi. Beliau
accounting or finance has expertise and/or meraih gelar Sarjana Ekonomi Akuntansi dari Universitas
knowledge in accounting. Sriwijaya dan gelar Master of Applied Finance dari Australian
National University. Profil Bapak Emil Hakim dapat dilihat lebih
lanjut pada Bab Profil Perusahaan.
COMPLY
Mr. Emil Hakim, as Finance and Corporate Services Director in
charge of accounting or finance, has an educational background,
work experience, and expertise and/or knowledge in accounting.
He holds a Bachelor of Accounting degree from Sriwijaya
University and a Master of Applied Finance degree from the
Australian National University. Mr. Emil Hakim's profile can be
found in the Company Profile chapter.
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Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Prinsip 6 6.1. Direksi mempunyai kebijakan penilaian MEMENUHI
Meningkatkan Kualitas sendiri (self-assessment) untuk menilai Perseroan telah mempunyai kebijakan penilaian sendiri untuk
Pelaksanaan Tugas dan kinerja Direksi. Direksi. Direksi memiliki kebijakan self-assessment yang
Tanggung Jawab Direksi. dilakukan secara berkala berdasarkan KPI corporate, yang
6.1. Board of Directors has a self-assessment hasilnya ditinjau dan dievaluasi oleh komite Nominasi dan
Principle 6 policy to assess their performance. Remunerasi dan dilaporkan kepada Dewan Komisaris.
Enhance the Quality
of the Board of COMPLY
Directors Duties The Company has its self-assessment policy for the Board
and Responsibilities of Directors. The Board of Directors has a self-assessment
Implementation. policy, which is conducted periodically based on corporate KPIs.
The results are reviewed and evaluated by the Nomination
and Remuneration Committee and reported to the Board of
Commissioners.
6.2. Kebijakan penilaian sendiri (self-assessment) MEMENUHI
untuk menilai kinerja Direksi diungkapkan Kebijakan self-assessment atas kinerja Direksi telah diungkapkan
melalui laporan tahunan Perusahaan pada bagian Penilaian Kinerja Direksi dalam Bab Tata Kelola
Terbuka. Laporan Tahunan ini.
6.2. Self-assessment policy to assess the Board COMPLY
of Directors' performance is disclosed The Self-Assessment Policy on Board of Directors' performance
through the annual report of the Public has been disclosed in the Board of Directors' Performance
Company. Assessment section in the Governance Chapter of this Annual
Report.
6.3. Direksi mempunyai kebijakan terkait MEMENUHI
pengunduran diri anggota Direksi apabila Berdasarkan Peraturan Menteri BUMN 03/03/2023 dan POJK
terlibat dalam kejahatan keuangan. 33/POJK.04/2014 dan juga AD/ART PT Asuransi Tugu Pratama
Indonesia, Tbk. Bahwa setiap anggota Direksi yang tidak
6.3. Board of Directors has a policy regarding memenuhi syarat untuk menjadi anggota Direksi dengan alasan
the resignation of the Board of Directors apapun termasuk didalamnya adalah terlibat kejahatan keuangan
members when engaged in financial crime. maka akan diberhentikan sebagai anggota Direksi. Dalam
hal anggota Direksi tersebut mengundurkan diri maka akan
diputuskan dalam mekanisme RUPS.
COMPLY
Based on Ministerial Regulation of SOEs No. 03/03/2023,
OJK Regulation No. 33/POJK.04/2014, and the Articles of
Association (AD/ART) of PT Asuransi Tugu Pratama Indonesia
Tbk, any member of the Board of Directors who fails to meet the
requirements to serve as a director, for any reason—including
involvement in financial crimes—shall be dismissed from their
position. In the event that a Board of Directors member resigns,
the decision will be made through the GMS (General Meeting of
Shareholders) mechanism.
Aspek IV : Partisipasi Pemangku Kepentingan
Aspect IV : Stakeholders’ Participation
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 7 7.1. Perusahaan Terbuka memiliki kebijakan MEMENUHI
Meningkatkan Aspek untuk mencegah terjadinya insider trading. Perseroan telah memiliki kebijakan untuk mencegah terjadinya
Tata Kelola Perusahaan insider trading, sebagaimana diatur dalam Pedoman Kebijakan
melalui Partisipasi 7.1. Public Company has a policy to prevent Transaksi Bagi Orang Dalam No. A-001/6500/2023, serta
Pemangku Kepentingan. insider trading. Pedoman Pencegahan Pelanggaran Konflik Kepentingan Tugu
Insurance, yang melarang Insan Tugu untuk memanfaatkan
Principle 7 informasi rahasia dan data bisnis perusahaan untuk kepentingan
Improve Corporate di luar perusahaan.
Governance Aspect
through Stakeholders’ COMPLY
Participation. The Company has established a policy to prevent insider trading,
as stipulated in the Guidelines on Transaction Policy for Insiders
No. A-001/6500/2023 and the Guidelines for Preventing
Violations of Conflict of Interest at Tugu Insurance, which prohibit
Tugu personnel from using confidential information and company
business data for interests outside the Company.
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
7.2. Perusahaan Terbuka memiliki kebijakan MEMENUHI
antikorupsi dan anti-fraud. Perseroan telah memiliki kebijakan antikorupsi dan anti-fraud
sebagaimana diatur dalam Pedoman Pengendalian Gratifikasi,
7.2. Public Company has an anti-corruption and Pedoman Tata Kelola Perusahaan, Pedoman Sistematika Etika
anti-fraud policy. Usaha dan Tata Perilaku (Code of Conduct), Pedoman Pencegahan
Pelanggaran Konflik Kepentingan, Pedoman Strategi Anti-Fraud,
dan Pedoman Sistem Manajemen Anti Penyuapan (SMAP), yang
diberlakukan bagi seluruh Insan Perseroan.
COMPLY
The Company has established anti-corruption and anti-fraud
policies, as regulated in the Gratification Control Guidelines,
Corporate Governance Guidelines, Business Ethics and Code
of Conduct Guidelines, Guidelines for Preventing Violations of
Conflict of Interest, Anti-Fraud Strategy Guidelines, and the Anti-
Bribery Management System (SMAP) Guidelines. These policies
apply to all Company personnel.
7.3. Perusahaan Terbuka memiliki kebijakan MEMENUHI
tentang seleksi dan peningkatan Perseroan telah melakukan seleksi pemasok (vendor)
kemampuan pemasok atau vendor. berdasarkan Pedoman Tata Kerja Organisasi Pelaksanaan
Sertifikasi dan Evaluasi Penyedia Barang dan/atau Jasa No.
7.3. Public Company has a policy of vendor B-002/3701/2023 PT Asuransi Tugu Pratama Indonesia, Tbk.
selection and enhancement of suppliers or Perseroan juga melakukan evaluasi pemasok (vendor) berkala
vendors’ capabilities. setiap 1 (satu) tahun sekali.
COMPLY
The Company conducts supplier (vendor) selection based on
the Guidelines for Organizational Work Procedures for the
Implementation of Certification and Evaluation of Goods and/or
Services Providers No. B-002/3701/2023 of PT Asuransi Tugu
Pratama Indonesia Tbk. The Company also performs periodic
supplier (vendor) evaluations once every year.
7.4. Perusahaan Terbuka memiliki kebijakan JELASKAN
tentang pemenuhan hak-hak kreditur. Perseroan tidak memiliki pinjaman/kreditur dalam artian Bank
atau Lembaga Keuangan lainnya.
7.4. Public Company has a policy on the
fulfillment of the rights of creditors. EXPLAIN
The Company does not have loans/creditors in the context of
banks or other financial institutions.
7.5. Perusahaan Terbuka memiliki kebijakan MEMENUHI
sistem whistleblowing. Perseroan telah mempunyai Pedoman Whistleblowing System
(WBS) sebagaimana diungkapkan dalam Bab Tata Kelola Laporan
7.5. Public Company has a whistleblowing Tahunan ini.
system policy.
COMPLY
The Company has Whistleblowing System (WBS) Guidelines as
disclosed in the Governance Chapter of this Annual Report.
7.6. Perusahaan Terbuka memiliki kebijakan MEMENUHI
pemberian insentif jangka panjang kepada Perseroan telah memiliki kebijakan pemberian kompensasi
Direksi dan karyawan. jangka panjang berbasis kinerja kepada Direksi dan Karyawan
dalam bentuk Program Kepemilikan Saham oleh Karyawan dan/
7.6. Public Company has a policy to give long- atau Manajemen. Program Kepemilikan Saham telah disetujui
term incentives to the Board of Directors Rapat Umum Pemegang Saham Tahun 2018 yang dituangkan
and employees. dalam Akta No. 23 tanggal 28 Februari 2018 Pernyataan
Keputusan Para Pemegang Saham.
COMPLY
The Company has established a long-term performance-based
compensation policy for the Board of Directors and employees in
the form of an Employee and/or Management Share Ownership
Program. This Share Ownership Program was approved by the
2018 General Meeting of Shareholders (GMS) and documented
in Deed No. 23 dated 28 February 2018, Statement of
Shareholders' Resolutions.
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aspek V : Keterbukaan Informasi
Aspect V : Information Disclosure
Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 8 8.1. Perusahaan Terbuka memanfaatkan MEMENUHI
Meningkatkan penggunaan teknologi informasi secara Selain menggunakan situs web dan pelaporan secara elektronik
Pelaksanaan lebih luas selain situs web sebagai media seperti IDXNet dan OJK Reporting. Perseroan juga menggunakan
Keterbukaan Informasi. keterbukaan informasi. platform media sosial untuk mengungkapkan informasi antara
lain melalui platform Instagram (IG), X (Twitter), You Tube,
Principle 8 8.1. Public Company utilizes information Facebook, LinkedIn.
Improve the technology more widely in addition to
Implementation of the website as a media for information COMPLY
Information Disclosure. disclosure. In addition to using the website and electronic reporting
platforms such as IDXNet and OJK Reporting, the Company also
utilizes social media platforms to disclose information, including
Instagram (IG), X (Twitter), YouTube, Facebook, and LinkedIn.
8.2. Laporan Tahunan Perusahaan Terbuka MEMENUHI
mengungkapkan pemilik manfaat akhir Perseroan telah mengungkapkan informasi mengenai pemilik
dalam kepemilikan saham Perusahaan manfaat akhir dalam kepemilikan saham Perusahaan Terbuka
Terbuka paling sedikit 5% (lima persen), paling sedikit 5% (lima persen), selain pengungkapan pemilik
selain pengungkapan pemilik manfaat akhir manfaat akhir dalam kepemilikan saham Perseroan melalui
dalam kepemilikan saham Perusahaan pemegang saham utama dan pengendali.
Terbuka melalui pemegang saham utama
dan pengendali. COMPLY
The Company has disclosed information regarding the ultimate
8.2. Public Company’s Annual Report discloses beneficial owner in Public Company share ownership of at least
the ultimate beneficial owner in the 5% (five percent), in addition to disclosing the ultimate beneficial
shareholding of Public Company’s shares owner in the Company's share ownership through the majority
at least 5% (five percent), in addition to and controlling shareholders.
the disclosure of the ultimate beneficial
owner in Public Company’s share
ownership through majority and controlling
shareholders.
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06
Tanggung
Jawab Sosial
Perusahaan
Corporate Social Responsibility
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01 Kilas Kinerja
Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Kelola Tanggung Jawab
Sosial Perusahaan
Corporate Social Responsibility Governance
Komitmen Terhadap Pembangunan Berkelanjutan
Commitment to Sustainable Development
Tugu Insurance menjalankan Program Tanggung Tugu Insurance implements the Corporate Social and
Jawab Sosial dan Lingkungan (TJSL) sebagai bentuk Environmental Responsibility (TJSL) Program to support
dukungan terhadap pembangunan berkelanjutan. sustainable development. This initiative is designed to
Program ini dirancang untuk memberikan manfaat deliver integrated, targeted, and measurable benefits
yang terintegrasi, terarah, dan terukur dalam aspek across economic, social, environmental, legal, and
ekonomi, sosial, lingkungan, hukum, dan tata kelola corporate governance aspects. TJSL is also an integral
perusahaan. TJSL juga menjadi bagian dari strategi bisnis part of the company’s business strategy, ensuring long-
perusahaan untuk menciptakan nilai jangka panjang bagi term value creation for stakeholders.
pemangku kepentingan.
Sebagai anak perusahaan Badan Usaha Milik Negara As a subsidiary of a State-Owned Enterprise (BUMN),
(BUMN), Tugu Insurance mengutamakan transparansi, Tugu Insurance prioritizes transparency, ethical business
praktik bisnis yang etis, serta kontribusi aktif dalam practices, and active contributions to sustainable
pembangunan ekonomi berkelanjutan. Perusahaan economic development. The company is committed to
berkomitmen untuk menyeimbangkan pertumbuhan bisnis balancing business growth with social and environmental
dengan tanggung jawab sosial dan lingkungan. Melalui responsibilities. Through TJSL, Tugu Insurance consistently
TJSL, Tugu Insurance secara konsisten mendukung supports community development and eco-friendly
pengembangan masyarakat dan inisiatif ramah lingkungan, initiatives, emphasizing three key aspects: economy,
dengan menekankan tiga aspek utama: ekonomi, sosial, society, and environment.
dan lingkungan.
Implementasi Pembangunan Berkelanjutan dan Pertanggungjawaban
Sustainable Development Implementation and Accountability
Tugu Insurance berkomitmen untuk menjalankan bisnis Tugu Insurance is committed to conducting its business
dan operasionalnya dengan fokus kuat pada keberlanjutan. and operations with a strong focus on sustainability.
Selain memenuhi kebutuhan saat ini, Perseroan juga Beyond meeting present needs, the company prioritizes
mengutamakan ketahanan jangka panjang dengan long-term resilience by balancing three interconnected
menyeimbangkan tiga dimensi yang saling terkait: dimensions: economic, social, and environmental.
ekonomi, sosial, dan lingkungan.
Untuk mendukung pencapaian Tujuan Pembangunan To support sustainable development goals (SDGs),
Berkelanjutan (TPB), Tugu Insurance mengintegrasikan Tugu Insurance integrates Environmental, Social, and
prinsip Environmental, Social, and Governance (ESG) ke Governance (ESG) principles into its initiatives. This
dalam berbagai inisiatifnya. Komitmen ini memastikan commitment ensures economic continuity, enhances social
kelangsungan ekonomi, meningkatkan kesejahteraan well-being, and promotes environmental preservation—
sosial, dan mendorong pelestarian lingkungan— creating a lasting positive impact for future generations.
menciptakan dampak positif yang berkelanjutan bagi
generasi mendatang.
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Adapun dasar penyelenggaraan pembangunan The foundation for the implementation of sustainable
berkelanjutan yang dilakukan oleh Perseroan tidak development by the Company is closely linked to its Social
terlepas dari Tanggung Jawab Sosial dan Lingkungan and Environmental Responsibility (CSR), which is further
(TJSL) yang selanjutnya juga dituangkan ke dalam Laporan documented in the Sustainability Report in accordance
Berkelanjutan mengacu pada Peraturan Otoritas Jasa with the Financial Services Authority (OJK) Regulation
Keuangan (OJK) No. 51/POJK.03/2017. Adapun basis No. 51/POJK.03/2017. The basis for the preparation of
penyusunan pelaporan mengacu pada Standar penyusunan the report refers to the Sustainability Report preparation
Laporan Keberlanjutan mengacu pada Peraturan Otoritas standards, which align with OJK Regulation No. 51/
Jasa Keuangan No. 51/POJK.03/2017 (POJK 51/2017) POJK.03/2017 (POJK 51/2017) on the Implementation
tentang Penerapan Keuangan Berkelanjutan Bagi Lembaga of Sustainable Finance for Financial Services Institutions,
Jasa Keuangan, Emiten, dan Perusahaan Publik dan Surat Issuers, and Public Companies, as well as OJK Circular
Edaran OJK No. 16/SEOJK.04/2021 (SEOJK 16/2021) Letter No. 16/SEOJK.04/2021 (SEOJK 16/2021) on the
tentang Bentuk dan Isi Laporan Tahunan Emiten atau Format and Content of the Annual Report for Issuers or
Perusahaan Publik. Transparansi dan pertanggungjawaban Public Companies. The transparency and accountability
kegiatan TJSL dalam Laporan Berkelanjutan juga of TJSL activities in the Sustainability Report are also
disusun berdasarkan Global Reporting Initiative (GRI) prepared in accordance with the Global Reporting Initiative
Standards 2021. (GRI) Standards 2021.
Menjadi Perusahaan Asuransi Umum yang
Visi
VISION
memiliki kepedulian sosial tinggi terhadap
masyarakat dan lingkungan dalam upaya menunjang
pertumbuhan ekonomi nasional berkelanjutan.
Become a General Insurance Company with high social
awareness towards the community and the environment in
an effort to support sustainable national economic growth.
Misi 1. Melaksanakan komitmen korporat atas Corporate Social
Responsibility (CSR)/Tanggung Jawab Sosial dan Lingkungan,
yang akan memberikan nilai tambah kepada semua pemangku
kepentingan (Stakeholders) untuk mendukung pertumbuhan
MISSIONS perusahaan secara berkesinambungan;
Implement corporate commitment to Corporate Social Responsibility (CSR)/
Social and Environmental Responsibility, which will provide added value to
all stakeholders to support the company’s sustainable growth;
2. Melaksanakan tanggung jawab korporat serta kepedulian sosial
dan lingkungan sebagai peran serta aktif dalam pembangunan
masyarakat Indonesia yang berkelanjutan; dan
Carry out corporate responsibility, as well as social and environmental
concerns, for active participation in sustainable Indonesian development; and
3. Membangun hubungan yang harmonis dan kondusif dengan semua
pemangku kepentingan (Stakeholders) untuk mendukung pencapaian tujuan
korporasi, terutama dalam membangun citra dan reputasi korporasi.
Build a harmonious and conducive relationship with all stakeholders to support the
achievement of corporate goals, especially in building corporate image and reputation.
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 463
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Struktur Organisasi TJSL Perseroan
The Company’s CSR Organizational Structure
Untuk memastikan seluruh program TJSL berjalan lancar To ensure the smooth implementation of all CSR programs
sesuai dengan aspek ekonomi, lingkungan, dan sosial, in alignment with economic, environmental, and social
Perseroan membentuk Corporate Secretary Group. Namun, aspects, the Company has established the Corporate
pelaksanaan utama program kerja TJSL berada di bawah Secretary Group. However, the primary responsibility
fungsi Government, PR & CSR Department. Struktur for executing CSR work program activities lies with the
organisasi TJSL Perseroan ditetapkan berdasarkan SKD Government, PR & CSR Department. The Company’s
No. 104/SKD/04/HCM-ATPI/VIII/2024. Adapun struktur CSR organizational structure is defined by the Board of
organisasi TJSL dapat dilihat sebagai berikut: Directors Decree No. 104/SKD/04/HCM-ATPI/VIII/2024.
The CSR organizational structure is as follows:
Presiden DIrektur
President Director
Sekretaris Perusahaan
Corporate Secretary
Departemen Government, PR dan CSR
Government, PR and CSR Department
Implementasi TJSL Perseroan
CSR Implementation in the Company
Tanggung Jawab Sosial Terkait Perlindungan Social Responsibility in Customer Protection and
Konsumen dan Pengembangan Produk Product Development
Sebagaimana diatur dalam Peraturan OJK No. 22 tahun As outlined in OJK Regulation No. 22 year of 2023 on
2023 tentang Perlindungan Konsumen dan Masyarakat Consumer and Community Protection in the Financial
di Sektor Jasa Keuangan serta Pedoman Pengaduan Services Sector and the Guidelines for Consumer
Konsumen Tugu Insurance No. A-001/9A10/2018 rev-0, Complaints of Tugu Insurance No. A-001/9A10/2018
Tugu Insurance telah menjalankan program terkait rev-0, Tugu Insurance has established programs related to
berbagai aktivitas dan penyediaan materi informasi yang various activities and the provision of detailed information
terperinci mengenai seluruh produk dan layanan. materials about all its products and services.
Komitmen Perseroan untuk memberikan layanan terbaik The Company’s commitment to delivering the best
yang bermanfaat bagi setiap pemangku kepentingan service and value to every stakeholder or consumer is
atau konsumen diwujudkan melalui sikap dan respons demonstrated through its professional approach and
profesional dari seluruh jajaran dalam melayani konsumen. the dedication of all levels of the organization in serving
Perseroan juga menjamin kualitas pelayanan yang sigap, consumers. The Company also ensures swift, responsive,
responsif, dan terpercaya kepada setiap konsumen. and reliable quality service for every customer.
Selain itu, Perseroan memiliki Pedoman Sistematika Etika In addition, the Company has a Systematic Code of
Usaha dan Tata Perilaku (Code of Conduct atau CoC) yang Business Ethics and Code of Conduct (CoC), which
mengatur Etika Perseroan dengan Pelanggan, meliputi: includes guidelines for the Company’s ethical practices
with customers, specifically:
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Audited Report
1. Memberikan pelayanan terbaik kepada pelanggan; 1. Delivering the best service to customers;
2. Menyampaikan informasi, iklan, atau promosi secara 2. Providing information and advertisements/promotions
sehat, adil, jujur, dan tidak menyesatkan, sesuai norma that are healthy, fair, honest, and non-misleading, while
masyarakat; dan aligning with societal norms; and
3. Memelihara reputasi serta kepercayaan pelanggan, 3. Maintaining customer trust and protecting customer
termasuk menjaga informasi dan kerahasiaan mereka. information and confidentiality.
Komitmen Tugu Insurance dalam memberikan produk Tugu Insurance’s commitment to providing the best
dan layanan terbaik untuk pelanggan diwujudkan dengan products and services for customers is realized through
langkah sebagai berikut: the following initiatives:
1. Memberikan layanan atas produk dan/atau jasa yang 1. Providing equal access to products and/or services for
setara untuk konsumen; all consumers;
2. Menjaga mutu produk dan/atau jasa dengan 2. Maintaining product and/or service quality based on
berlandaskan pada 8 pilar utama yaitu : 1) pasar dan eight key pillars: 1) market and products; 2) distribution
produk; 2) jaringan dan distribusi; 3) teknologi dan and networks; 3) information and technology; 4)
informasi; 4) keuangan dan investasi; 5) service and finance and investment; 5) service and operational
operation excellence; 6) underwriting dan reasuransi; excellence; 6) underwriting and reinsurance; 7) people
7) people and human resources serta 8) kepatuhan, and human resources; 8) compliance, Good Corporate
tata kelola perusahaan yang baik dan manajemen Governance (GCG) and Enterprise Risk Managament
risiko perusahaan; (ERM);
3. Program literasi dan inklusi keuangan baik untuk 3. Financial literacy and inclusion programs for both
pelanggan maupun masyarakat luas; customers and the wider community;
4. Inovasi dan pengembangan produk asuransi 4. Innovation and development of insurance products for
yang inovatif baik untuk segmen konvensional both conventional and Sharia segments;
maupun syariah;
5. Evaluasi produk/layanan dan mitigasi penanggulangan 5. Product/service evaluation and impact mitigation
dampak melalui review berkala terhadap produk dan through periodic reviews of new products and services;
layanan baru;
6. Survei kepuasan pelanggan sebagai sarana secara 6. Customer satisfaction surveys conducted regularly
berkala untuk mendapatkan input dari pelanggan guna to gather customer feedback for product and
perbaikan produk dan jasa. service improvements.
Tugu Insurance terus berupaya menyelesaikan setiap Tugu Insurance is committed to resolving all customer
keluhan pelanggan dan berkomitmen untuk meningkatkan complaints and continuously improving its service quality.
kualitas layanan. Untuk itu, Perseroan menyediakan To support this, the Company offers facilities for customers
berbagai saluran bagi pelanggan untuk menyampaikan to submit complaints, suggestions, and feedback on
pengaduan, saran, dan kritik terkait produk, layanan, products, services, or other company-related matters.
maupun hal-hal lain yang berhubungan dengan Perseroan.
Untuk menangani keluhan dan pertanyaan konsumen To address consumer complaints and inquiries about Tugu
mengenai produk dan jasa Tugu Insurance, Perseroan Insurance products and services, the Company provides
menyediakan sarana berikut: the following service channels:
• Call TIA (Tugu Insurance Assistance): Layanan • Call TIA (Tugu Insurance Assistance): A 24/7 consumer
pelanggan tersedia 24 jam setiap hari melalui “Call service available via “Call TIA” at 1500 458, offering
TIA” di 1500 458, meliputi informasi produk, layanan assistance with product information, insurance
polis asuransi, pelaporan klaim, hingga bantuan policy services, claim reports, and emergency
darurat di jalan raya. roadside assistance.
• WhatsApp: 0811 97 900 100 • WhatsApp: 0811 97 900 100
• Email: calltia@tugu.com • Email: calltia@tugu.com
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Melalui berbagai saluran penyampaian informasi yang Through various available information channels, complaints
tersedia, pengaduan yang diterima akan diteruskan kepada will be forwarded to the relevant user or related parties via
pihak terkait atau pengguna (user) yang bersangkutan the designated person-in-charge (PIC) for follow-up through
melalui petugas yang ditunjuk untuk menanganinya, electronic mail (email). Subsequently, the user or related
menggunakan surat elektronik (email). Selanjutnya, pihak party will take further action to address the complaint.
terkait atau pengguna akan mengambil tindakan lebih The process from receiving the complaint to resolving it
lanjut atas pengaduan tersebut. Tahapan proses dari fase includes the following stages:
penerimaan pengaduan hingga penyelesaian pengaduan
adalah sebagai berikut:
Diterima Penyelesaian
oleh PIC Pengaduan
1 Received by PIC 3 Complaint Resolution
Pengaduan 2 Diteruskan ke 4
Masuk User Terkait
Complaint Send Forwarded to
Related User
Dengan fasilitas tersebut, Perseroan dapat memperoleh With this facility, the Company can gather information from
informasi dari konsumen terkait keluhan, pertanyaan, customers regarding complaints, questions, suggestions/
saran/masukan, serta tingkat kepuasan terhadap layanan feedback, and their satisfaction level with the services
yang diberikan. provided by the Company.
Biaya yang Dikeluarkan untuk Perlindungan Costs Incurred for Customer Protection
Konsumen
Adapun biaya yang dikeluarkan untuk melaksanakan The cost incurred to implement the Company’s social
tanggung jawab sosial Perseroan di bidang perlindungan responsibility in customer protection in 2024 amounted
pelanggan pada tahun 2024 adalah sebesar to IDR1,779,997,000, which was allocated to provide
Rp1.779.997.000 yang dialokasikan untuk penyediaan call center services and conducting customers
layanan contact center dan survey kepuasan pelanggan. satisfaction survey.
Program Tanggung Jawab Sosial dan Lingkungan Corporate Social and Environmental Responsibility
(TJSL) 2024 (CSR) Program 2024
Berbagai program TSJL yang dijalankan oleh Tugu Tugu Insurance’s Corporate Social and Environmental
Insurance di 2024 senantiasa mengacu Tujuan Responsibility (CSR) programs in 2024 are consistently
Pembangunan Berkelanjutan (TPB), peraturan perundang- aligned with the Sustainable Development Goals
undangan yang berlaku, praktik tata kelola perusahaan (SDGs), prevailing regulations, best practices in
yang baik serta kesesuaian dengan strategi Perseroan. corporate governance, and the Company’s strategic
Program TJSL didesain sedemikian rupa yang melibatkan objectives. These programs are meticulously designed
baik internal divisi Perseroan maupun pihak eksternal to engage both internal corporate divisions and external
agar memberikan dampak sosial, lingkungan dan ekonomi stakeholders, ensuring tangible social, environmental, and
yang nyata. economic impact.
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Komitmen TSJL Perseroan selanjutnya dilaksanakan The Company’s commitment to CSR is further realized
melalui Program Bersatu Aksi Kepedulian Tugu Insurance through the Bersatu Aksi Kepedulian Tugu Insurance (Bakti
(Bakti Tugu), Bantuan Sosial, Keagamaan dan Kebudayaan Tugu) Program, Social, Religious, and Cultural Assistance,
serta Komitmen Kegiatan Operasional Berkelanjutan. as well as the Commitment to Sustainable Operational
Adapun kerangka program TJSL Tugu Insurance 2024 Activities. The framework for Tugu Insurance’s CSR
tersebut dituangkan dalam skema di bawah ini: initiatives in 2024 is outlined in the following scheme:
Tanggung Jawab Sosial dan Lingkungan (TJSL) 2024
Corporate Social & Environmental Responsibility (CSR) 2024
Landasan Tujuan Pembangunan Praktik Tata Kelola Kesesuaian Strategi
Foundations Berkelanjutan (TPB) Peraturan yang Berlaku Perusahaan yang Baik Perusahaan
Sustainable Applicable Laws Good Corporate Governance Aligned with
Development Goal (SDG) Practice Company’s Strategy
Organ
Internal Government, PR, and CSR Department
Internal Organ
Sumber Internal Perusahaan | Company’s Budget
Dana
Sources of Dikelola oleh Departemen Govt, Dikelola oleh Departemen
Fund PR dan CSR Department Human Capital Management Lainnya
Managed by Departemen Govt, Manager by Human Capital Management Others
PR and CSR Department (SDG) Departement (SDG)
Jenis Program Internal:
Program Program Eksternal:
melibatkan partisipasi antar divisi
melibatkan pihak luar Perusahaan melalui kolaborasi
Type of Internal Program:
Program External program: engaging external partnerships and collaboration
Involving cross-divisional function
Komitment
Implementasi Bakti Tugu Non Bakti Tugu
kegiatan operasional
program berkelanjutan
Program Commitment to
Lingkungan Kesehatan & Pendidikan Pemberdayaan
Implementation Hidup Keselamatan & Literasi Masyarakat Donasi dan sustainable operational
Environment Health & Safety Keuangan Community
Empowerment
Bantuan untuk activities (SDG)
Education &
Financial Literacy
Kegaiatan Sosial,
Keagamaan dan
Seni Budaya.
• Restorasi • Restorasi • Pemberian • Pelatihan dan Donations and • Penggunaan material
Ekosistem Ekosistem Beasiswa Pemberdayaan Assistance for
Ecosystem Ecosystem Scholarships Training and Material use
social, religious,
Restoration Restoration Program Empowerment and cultural arts
• Pengelolaan • Pengelolaan • Pembangunan • Bantuan dan activities • Penggunaan energi
Limbah Limbah Infrastruktur Donasi Energy utilization
Waste Waste Infrastructur Aid and
Management Management Development Donations
• Penggunaan air
• Ruang Terbuka • Ruang Terbuka • Kegiatan Water utilization
Hijau Hijau Edukasi
Green open Green open Educational
space space Activities • Emisi
• Penanaman • Penanaman Emissions
pohon pohon
Tree planting Tree planting
• Lainnya • Lainnya
Others Others
Evaluasi Keterlibatan Dampak Ekonomi, Tingkat Pencapaian
Dampak TPB yang
Pemangku Sosial, dan Lingkungan Operasional Berkelanjutan
Impact disasar
Kepentingan Economic, Social, and Operational Sustainability
Assessment Targeted SDGs
Stakeholders Engagement Environmental Impact Achievement Level
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bakti Tugu 2024 Bakti Tugu 2024
Bakti Tugu memiliki empat pilar utama yaitu: Bakti Tugu is structured around four key pillars:
• Bakti untuk Lingkungan Hidup yang memberikan • Commitment to Environment through supporting
dukungan terhadap berbagai aktivitas untuk various initiatives aimed at the responsible
tercapaianya pengelolaan sumber daya alam dan management of natural resources and the sustainable
lingkungan yang berkelanjutan melalui berbagai environment through various activities while actively
kegiatan untuk mengatasi risiko perubahan iklim serta engaging in efforts to mitigate climate change risks
berbagai dampaknya. and their associated impacts.
• Bakti untuk Kesehatan dan Keselamatan yang • Commitment to Health and Safety that demonstrating
menunjukkan komitmen Tugu Insurance dalam Tugu Insurance’s commitment to improving healthcare
meningkatkan kualitas kesehatan dan mengutamakan quality and prioritizing safety, ultimately contributing to
keselamatan sehingga dapat menunjang kehidupan a better and more prosperous life.
yang lebih sejahtera.
• Bakti untuk Pendidikan dan Literasi Keuangan • Commitment to Education and Financial Literacy
dengan tujuan untuk mendukung peningkatan kualitas with the objective to improve the quality of inclusive
Pendidikan yang inklusif serta mendorong peningkatan education and expanding learning opportunities for
kesempatan belajar untuk masyarakat. individuals and communities.
• Bakti untuk Pemberdayaan Masyarakat yang • Commitment to Community Empowerment that
ditunjukkan dengan peran aktif Tugu Insurance dalam is demonstrated by Tugu Insurance’s active role in
memberikan dukungan peningkatan keterampilan supporting inclusive skill development initiatives,
masyarakat secara inklusif agar dapat lebih mandiri empowering communities to become more self-reliant
dalam mengelola kehidupan. in managing their lives.
Implementasi ‘Bakti Tugu’ 2024 Implementation of Bakti Tugu 2024
Berikut ini adalah berbagai program Bakti Tugu Below are the various Bakti Tugu programs implemented by
yang dilaksanakan Perseroan di tahun 2024 untuk the Company in 2024 for each pillar:
masing-masing pilar:
Pilar Deskripsi Program
Pillars Program Description
Lingkungan Hidup Ekosistem Mangrove
• Pembangunan Kawasan Hutan Mangrove di Indramayu, Jawa Barat (Februari 2024).
• Penanaman Mangrove dalam kegiatan BAF Eco Move (Mei 2024).
• Penanaman Mangrove dalam kegiatan Pengabdian Kepada Masyarakat (PKM) STMA Trisakti (Juli 2024).
Pengelolaan Limbah dan Ruang Terbuka Hijau (RTH)
• Program pengelolaan limbah di Bank Sampah Emas 06, Kebon Jeruk (Oktober 2024).
• Pembangunan Ruang Terbuka Hijau (RTH) di PTU Rawa Bunga (Oktober 2024).
Penanaman Pohon
• Penanaman Pohon dalam kegiatan Tugu Green Journey (November 2024).
• Penanaman Pohon di Purwakarta, Jawa Barat (November 2024).
Kegiatan Lingkungan Lain
• Pameran Environmental, Social & Governance (ESG) IHC (September 2024).
• Research and development Pembangkit Listrik Tenaga Hibdrida dalam kegiatan Pengabdian Masyarakat PLTH
Reducation Project (Desember 2024).
• Edukasi lingkungan hidup dalam kegiatan Young Explorer di Pulau Riau (Desember 2024)
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Pilar Deskripsi Program
Pillars Program Description
Environment Mangrove Ecosystem
• Developed a Mangrove Forest Area in Indramayu, West Java (February 2024).
• Conducted a mangrove planting initiative as part of the BAF Eco Move program (May 2024).
• Carried out a mangrove planting initiative under the Community Service Program (PKM) of STMA Trisakti (July
2024).
Waste Management and Green Open Space
• Implemented a waste management program at Bank Sampah Emas 06 in Kebon Jeruk (Oktober 2024)
• Developed a Green Open Space (RTH) at PTU Rawa Bunga (October 2024).
Tree Planting Initiatives
• Conducted a tree planting initiative under the Tugu Green Journey program (November 2024).
• Executed a tree planting program in Purwakarta, West Java (November 2024).
Other Environmental Initiatives
• Participated in the Environmental, Social & Governance (ESG) Exhibition organized by IHC (September 2024).
• Conducted research and development on a Hybrid Power Plant as part of the PLTH Reducation Project
Community Service initiative (December 2024).
• Organized environmental education as part of the Young Explorer program in the Riau Islands (December
2024).
Kesehatan dan Pembangunan Infrastruktur
Keselamatan • Pembangunan Fasilitas Air Bersih di Desa Kalitekuk, Gunung Kidul, Yogyakarta (Maret 2024).
Kegiatan Edukatif
• Sosialisasi Cerdas Berkendara bersama Komunitas Pengendara Motor dalam kegiatan NgabubuRide (Maret
2024).
• Jumbara bersama Palang Merah Indonesia (PMI) Jakarta Pusat (Juni 2024)
Bantuan dan Donasi
• Bantuan Kesehatan untuk disabilitas Tuna Ganda (Oktober 2024).
• Ambulans gratis Tugu Insurance (Oktober 2024).
• Pemberian Kaki Palsu kepada Tuna Daksa (Oktober 2024)
• Donor Darah (November 2024)
• Bantuan paket kesehatan & alat bantu jalan dalam kegiatan Bioskop Bisik: Spill the Screen (November 2024)
• Bantuan untuk penyandang disabilitas di Yayasan Pendidikan Luar Biasa (YPLB) Nusantara, Beji, Depok
(Desember 2024)
Health and Safety Infrastructure Development
• Constructed a clean water facility in Kalitekuk Village, Gunung Kidul, Yogyakarta (March 2024).
Educational Activities
• Conducted a Smart Riding Awareness campaign in collaboration with a motorcycle riders' community as part
of the NgabubuRide event (March 2024).
• Organized Jumbara in partnership with the Indonesian Red Cross (PMI) Central Jakarta (June 2024).
Aid and Donations
• Healthcare assistance for individuals with multiple disabilities (October 2024).
• Offered free ambulance services provided by Tugu Insurance (October 2024).
• Donated prosthetic limbs to individuals with physical disabilities (October 2024).
• Organized a blood donation drive (November 2024).
• Healthcare Packages & Mobility Aids Support in the "Bioskop Bisik: Spill the Screen" Event (November 2024).
• Extended support to individuals with disabilities at Yayasan Pendidikan Luar Biasa (YPLB) Nusantara in Beji,
Depok (December 2024).
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Pilar Deskripsi Program
Pillars Program Description
Pendidikan dan Literasi Pemberian Beasiswa
Keuangan • Pemberian Beasiswa untuk Mahasiswa (Februari 2024).
• Beasiswa program Bekerja dan Belajar (Maret-Desember 2024).
Pembangunan Infrastruktur
• Relokasi dan Renovasi Perpusatakaan SMAN 1 Sumedang yang terdampak Gempa Bumi (April 2024).
Kegiatan Edukatif
• Program Literasi Keuangan di SMAN 1 Sumedang (April 2024).
• Webinar Literasi Keuangan untuk Mahasiswa penerima beasiswa KSE di Indonesia Tahap 2 dan Tahap 3
(September 2024 & Oktober 2024).
• Funday of Personal Finance Literacy di SMAN 12 Surabaya (Oktober 2024).
• Literasi Keuangan dalam Kegiatan IPB Business Fest (Oktober 2024).
• Literasi Keuangan dalam Kegiatan IPB Ideation (Oktober 2024).
• Professional Goes to Campus: Universitas Sriwijaya (Oktober 2024)
• Professional Goes to Campus: Universitas Pertamina Job Fair (Oktober 2024).
Education and Financial Scholarship Program
Literacy • Awarded scholarships to university students (February 2024).
• Provided scholarships under the Work and Learn program (March–December 2024).
Infrastructure Development
• Relocated and renovated the library at SMAN 1 Sumedang, which had been affected by an earthquake (April
2024).
Educational Initiatives
• Conducted a financial literacy program at SMAN 1 Sumedang (April 2024).
• Hosted a financial literacy webinar for recipients of the KSE scholarship in Indonesia, covering Phase 2 and
Phase 3 (September 2024 & October 2024).
• Organized Funday of Personal Finance Literacy at SMAN 12 Surabaya (October 2024).
• Financial literacy workshops as part of the IPB Business Fest (October 2024).
• Financial literacy workshops as part of the IPB Ideation event (October 2024).
• Professional Goes to Campus at Sriwijaya University (October 2024).
• Professional Goes to Campus at the Universitas Pertamina Job Fair (October 2024).
Pemberdayaan Masyarakat Pelatihan dan Pemberdayaan
• Pelatihan Petani Kawasan Hutan Mangrove, Indramayu (Februari 2024).
• Pelatihan Pengelolaan Sampah Organik dalam kegiatan Pengelolaan Limbah di Bank Sampah Emas 06
Jakarta Barat (Oktober 2024).
• Pemberdayaan Petani dalam Kegiatan Tugu Green Journey (November 2024).
• Pemberdayaan Disabilitas dalam Kegiatan Playdate with The Specials dan Bioskop Bisik (November 2024).
Bantuan dan Donasi
• Bantuan perlengkapan kelompok seni hadroh Gunung Kidul (November 2024).
Community Empowerment Training & Empowerment
• Conducted training for farmers in the Mangrove Forest Area of Indramayu (February 2024).
• Conducted organic waste management training as part of the waste management initiative at Bank Sampah
Emas 06, West Jakarta (October 2024).
• Empowered farmers through the Tugu Green Journey initiative (November 2024).
• Facilitated the empowerment of individuals with disabilities through the Playdate with The Specials and
Bioskop Bisik programs (November 2024)
Aid and Donations
• Provided traditional Hadroh arts equipments for the Gunung Kidul community (November 2024).
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Corporate Social Responsibility 07 Laporan Keuangan
Audited Report
Program Bantuan Sosial, Keagamaan dan Seni Social, Religious, and Cultural Assistance Program
Budaya 2024 2024
Selain melaksanakan Bakti Tugu, pada periode pelaporan In addition to implementing Bakti Tugu during the
Perseroan juga memiliki program TJSL lain dalam bentuk reporting period, the Company also conducted other CSR
Bantuan Sosial, Keagamaan dan Seni Budaya yang programs in the form of Social, Religious, and Cultural
mencakup 13 kegiatan sebagai berikut: Assistance. These initiatives encompass 13 activities, as
outlined below:
Kegiatan Waktu Pelaksanaan
Activities Implementation Date
Program Rumah Tahfiz Al-Fatahaiin, Bengkulu Februari 2024
Rumah Tahfiz Al-Fatahaiin, Bengkulu Program February 2024
Bakti Sosial Ramadhan 1445 H Maret 2024
Ramadhan Social Charity 1445 H March 2024
Partisipasi Kegiatan Seminar Perubahan Iklim Maret 2024
Participation in the Climate Change Seminar March 2024
Berbagi Berkah Ramadhan bersama Forum Jurnalis Berbagi Maret 2024
Sharing Ramadhan Blessings with the Forum Jurnalis Berbagi March 2024
Santunan anak yatim dalam acara Buka Puasa Bersama 1445 H Maret 2024
Orphan Assistance Program During the 1445 H Iftar Gathering March 2024
Bantuan untuk Lembaga Pendidikan Tahfidz PP Al Washiyyah Mei 2024
Assistance for the Tahfidz Educational Institution PP Al Washiyyah May 2024
Bakti Sosial Idul Adha 1445 H Juni 2024
Idul Adha Social Charity 1445 H June 2024
Pentas Seni Pancawarna SMAN 81 Juli 2024
Pancawarna Art Performance at SMAN 81 July 2024
Wakaf Al-Qur'an Oktober 2024
Holy Qoran Endowment October 2024
Bantuan kegiatan ISEA Story Telling Series 4 untuk Dana Sosial Desember 2024
Support for ISEA Storytelling Series 4 Social Fund Initiative December 2024
Perbaikan Sarana dan Prasarana Belajar Lembaga Pendidikan Tahfidz Desember 2024
Improvement of Learning Facilities and Infrastructure at Tahfidz Educational Institution December 2024
Sumbangan Pembangunan Yayasan Madinatussalam Asri Desember 2024
Donation for the Development of Yayasan Madinatussalam Asri December 2024
Donasi Umrah untuk Masyarakat Kurang Mampu Desember 2024
Umrah Donation for underprivileged community December 2024
Capaian dan Dampak TJSL Perusahaan
Achievements and Impacts of Company’s CSR
Keterlibatan Pemangku Kepentingan Stakeholders Engagement
Dalam pelaksanaan TJSL 2024, Tugu Insurance telah In implementing the Corporate Social and Environmental
melibatkan berbagai pihak termasuk perusahaan yang Responsibility (CSR) 2024 program, Tugu Insurance
masih dalam ekosistem Grup Pertamina, Yayasan baik has actively engaged various stakeholders, including
kemanusiaan maupun keagamaan, masyarakat lokal, companies within the Pertamina Group ecosystem,
komunitas petani, penyandang disabilitas, siswa sekolah humanitarian and religious foundations, local communities,
maupun perguruan tinggi, sekolah dan universitas, forum farmer groups, people with disabilities, students,
jurnalis, panti asuhan, karyawan hingga pemerintah schools and universities, journalist forums, orphanages,
setempat. Hal ini menunjukkan komitmen kuat Tugu employees, and local government authorities. This
Insurance untuk memberdayakan setiap elemen extensive collaboration underscored Tugu Insurance’s
masyarakat untuk saling berkolaborasi secara inklusif dan strong commitment to empowering all segments of society,
menciptakan dampak sosial, lingkungan, dan ekonomi fostering inclusive collaboration, and creating tangible
secara nyata. social, environmental, and economic impact.
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Performance Review 02 Laporan Manajemen
Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Sasaran TPB Targeted SDG
Program TJSL Perseroan melalui Bakti Tugu 2024 dan The Company’s CSR initiatives, implemented through
Program Bantuan Sosial, Keagamaan dan Seni Budaya Bakti Tugu 2024 and the Social, Religious, and Cultural
2024 telah mencakup sebagian besar TPB dengan rincian Assistance Program 2024, has addressed majority of the
sebagai berikut: SDGs, with the following detailed breakdown:
TJSL Kegiatan TPB
CSR Activities SDG
Bakti Tugu 2024 Bakti Lingkungan Hidup
Service for the Environment
Bakti Kesehatan dan Keselamatan
Service for Health and Safety
Bakti Pendidikan dan Literasi Keuangan
Service for Education and Financial Literacy
Bakti Pemberdayaan Masyarakat
Service for Community Empowerment
Non Bakti Tugu 2024 Bantuan Sosial, Keagamaan dan Seni Budaya
Social Religious and Cultural Assistance
Dampak TJSL terhadap Ekonomi, Sosial dan The Impact of CSR on Economic, Social and
Lingkungan Environment
Berikut adalah rincian dampak ekonomi, sosial dan The following outlines the economic, social, and
lingkungan program TJSL Bakti Tugu 2024 dan bantuan environmental impact of the CSR Bakti Tugu 2024 and
sosial, keagamaan dan seni budaya 2024 dari sisi Social, Religious, and Cultural Assistance Program 2024,
cakupan/jangkauan: in terms of their coverage/reach:
Dampak Cakupan/Jangkauan Deskripsi
Impact Coverage/Reach Description
Dampak Ekonomi dan Penerima Manfaat Bakti Tugu dan Bantuan Sosial, Keagamaan & Seni Budaya 2024 telah memberi
Sosial Beneficiaries manfaat terhadap 9.750 orang
Economic and Social The Bakti Tugu and Social, Religious & Cultural Assistance Program 2024 have
Impact benefitted 9,750 people
Dampak Lingkungan Konservasi & Restorasi Sebanyak 10.950 pohon telah ditanam termasuk mangrove untuk tujuan konservasi
Environmental Impact Ekosistem serta restorasi lingkungan
Ecosystem Conservation & A total of 10,950 trees, including mangroves, have been planted for environmental
Restoration conservation and restoration
Pengelolaan Limbah Sebanyak 100 kotak sampah telah didistribusikan ke 100 rumah dan Bank Sampah
Waste Management di Kebon Jeruk telah direnovasi
A total of 100 trash bins have been distributed to 100 households, and the Waste
Bank in Kebon Jeruk has been renovated
Kesehatan Lingkungan Sebanyak 70 rumah di Desa Kalitekuk Gunung Kidul telah memperoleh akses air
Environmental Health bersih
A total of 70 households in Kalitekuk Village, Gunung Kidul have gained access to
clean water
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Audited Report
Biaya Program TJSL CSR Program Costs
Berikut adalah rincian biaya program TJSL yang dijalankan The following presents a detailed breakdown of the
oleh Perseroan baik yang dikelola oleh fungsi Government, CSR program expenditures, managed by the Company’s
PR dan CSR maupun fungsi Human Capital Management Government, PR, and CSR functions, as well as the Human
di 2024. Capital Management function in 2024
TJSL Kegiatan Rp juta
CSR Activities IDR million
Bakti Tugu 2024 Bakti Lingkungan Hidup 581
Service for the Environment
Bakti Kesehatan dan Keselamatan 464
Service for Health and Safety
Bakti Pendidikan dan Literasi Keuangan 804
Service for Education and Financial Literacy
Bakti Pemberdayaan Masyarakat 243
Service for Community Empowerment
Non Bakti Tugu 2024 Bantuan Sosial, Keagamaan dan Seni Budaya 471
Social, Religious and Cultural Assistance
TOTAL 2.563
Komitmen Kegiatan Operasional Berkelanjutan
Commitment To Sustainable Operation Activities
Dalam rangka untuk mencapai kegiatan operasional yang To achieve sustainable operations, Tugu Insurance
berkelanjutan, Tugu Insurance senantiasa berupaya untuk continuously strives to enhance material efficiency,
meningkatkan efisiensi penggunaan material, penggunaan optimize energy and water utilization as well as reduce
energi dan air serta menurunkan emisi Gas Rumah Greenhouse Gas (GHG) emissions. The following are
Kaca (GRK). Berikut adalah hasil dari upaya efisiensi the results of efforts to improve efficiency in the use of
penggunaan material, energi dan air serta penurunan materials, energy, and water, as well as the reduction of
emisi GRK di kantor pusat. greenhouse gas (GHG) emissions at the head office.
Aspek Penggunaan Material Material Usage Aspect
Dalam kegiatan operasional sehari-hari, Tugu Insurance In its daily operations, Tugu Insurance continues to utilize
masih menggunakan Alat Tulis Kertas (ATK) untuk paper-based office supplies (ATK) to support business
menunjang proses bisnis dan kebutuhan administrasi. processes and administrative needs. However, with the
Namun seiring dengan transformasi digital yang Company’s digital transformation initiatives and the
dijalankan Perseroan serta kebijakan 3R (Reduce, Reuse implementation of the 3R policy (Reduce, Reuse, Recycle),
dan Recycle), penggunaan ATK di sepanjang 2024 ATK usage has remained stable throughout 2024.
cenderung stabil.
Penggunaan Material Perubahan
Unit 2024 2023
Material Use Changes
Kertas Rim 2.619 2.592 1,0%
Paper Reams
2024 ANNUAL REPORT PT Asuransi Tugu Pratama Indonesia Tbk 473
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Management Report 03 Profil Perusahaan
Company Profile 04 Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Aspek Penggunaan Energi Energy Utilization Aspect
Untuk menunjang berbagai keperluan operasional, To support various operational needs, particularly at
terutama di kantor pusat, Tugu Insurance menggunakan its headquarters, Tugu Insurance utilizes fuel (BBM)
energi berupa Bahan Bakar Minyak (BBM) serta energi and electricity as primary energy sources. Through
listrik. Melalui berbagai efisiensi penggunaan energi yang energy efficiency initiatives, the Company’s total
dilakukan, total konsumsi energi Perseroan mengalami energy consumption has declined, reflecting improved
penurunan yang menunjukkan perbaikan dari sisi efficiency levels.
tingkat efisiensi.
Penggunaan Energi Perubahan
Unit 2024 2023
Energy Utilization Changes
Konsumsi BBM Gj 1.447 1.600 -9,6%
Fuel Consumption
Konsumsi Listrik Gj 988 907 8,9%
Electricity Consumption
TOTAL Gj 2.435 2.507 -2,9%
Aspek Penggunaan Air Water Utilization Aspect
Tugu Insurance menggunakan air di kantor pusat yang Tugu Insurance sources its water supply from PDAM at its
bersumber dari PDAM untuk kebutuhan rumah tangga headquarters for domestic and sanitation needs. In 2024,
maupun sanitasi. Penghematan penggunaan air yang significant water conservation efforts led to a notable
signifikan berhasil dicapai di tahun 2024 tercermin dari reduction in total water consumption, reflecting improved
total penurunan volume air yang dikonsumsi. efficiency in resource management.
Penggunaan Air Perubahan
Unit 2024 2023
Water Utilization Changes
Jumlah Pemakaian Mega Liter (ML) 6,93 27,06 -74,4%
Level of Utilization
Emisi GRK GHG Emissions
Tugu Insurance menghasilkan GRK dari aktivitas Tugu Insurance generates GHG emissions from its daily
operasional sehari-hari terutama dari konsumsi BBM operations, primarily through fuel consumption (Scope 1),
(Cakupan 1), konsumsi listrik (Cakupan 2) dan perjalanan electricity usage (Scope 2), and business travel (Scope
dinas (Cakupan 3). Total emisi GRK di sepanjang tahun 3). In 2024, the Company’s total GHG emissions reached
2024 mencapai 374.206 Kg CO2 Eq. Tugu Insurance 374,206 Kg CO2 Eq. As part of its unwavering commitment
senantiasa berupaya untuk menurunkan emisi GRK to climate risk mitigation, Tugu Insurance continuously
sebagai bagian dari komitmen untuk menanggulangi risiko implements measures to reduce its carbon footprint and
perubahan iklim. enhance environmental sustainability.
Emisi GRK Perubahan
Unit 2024 2023
GHG Emissions Changes
Cakupan 1 Kg CO2 Eq 100.274 111.767 -10,3%
Scope 1
Cakupan 2 Kg CO2 Eq 256.414 235.476 8,9%
Scope 2
Cakupan 3 Kg CO2 Eq 17.519 35.625 -50,82%
Scope 3
TOTAL Kg CO2 Eq 374.206 382.868 -2,3%
Detail komitmen terhadap aktivitas operasional Detailed commitments to sustainable operational activities
yang berkelanjutan disampaikan dalam Laporan are presented in the 2024 Sustainability Report.
Berkelanjutan 2024.
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Audited Report
Pemenuhan Surat Edaran
Otoritas Jasa Keuangan
No. 16/SEOJK.04/2021
Fulfillment of Financial Services Authority Circular Letter
No. 16/SEOJK.04/2021
Sebagai bentuk pemenuhan kepatuhan Perseroan To comply with Financial Services Authority Regulation
terhadap Peraturan Otoritas Jasa Keuangan No. No. 51/POJK.03/2017 regarding the Implementation of
51/POJK.03/2017 tentang Penerapan Keuangan Sustainable Finance for Financial Services Institutions,
Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, Issuers, and Public Companies, Tugu Insurance has
dan Perusahaan Publik, Tugu Insurance telah menyusun prepared a 2024 Sustainability Report, which is presented
Laporan Keberlanjutan Tahun 2024 yang disajikan secara separately from this Annual Report. This Sustainability
terpisah dari Laporan Tahunan ini. Laporan Keberlanjutan Report is a periodic report that discloses the Company's
ini merupakan laporan berkala yang mengungkapkan Social and Environmental Responsibility, prepared in
Tanggung Jawab Sosial dan Lingkungan Perseroan yang accordance with Financial Services Authority Circular Letter
disusun dengan mengacu pada Surat Edaran Otoritas Jasa No. 16/SEOJK.04/2021 concerning the Form and Content
Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi of Annual Reports for Issuers or Public Companies.
Laporan Tahunan Emiten atau Perusahaan Publik.
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07
Laporan
Keuangan
Audited Report
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Checklist AR 2024 dengan
Surat Edaran Otoritas Jasa Keuangan
Nomor 16/SEOJK.04/2021 tentang Bentuk
dan Isi Laporan Tahunan Emiten
atau Perusahaan Publik
Checklist of AR 2024 with OJK’s Circular Letter
Number 16/SEOJK.04/2021 on the Form and Content of Annual
report of the Issuers and Public Company
Keterangan Checklist AR
No.
Description AR Checklists
A Ikhtisar Data Keuangan Penting
Ikhtisar data keuangan penting memuat informasi keuangan yang disajikan dalam bentuk perbandingan
selama 3 (tiga) tahun buku atau sejak memulai usahanya jika Emiten atau Perusahaan Publik tersebut
menjalankan kegiatan usahanya kurang dari 3 (tiga) tahun, paling sedikit memuat:
20 - 26
Overview of Important Financial Data
The summary of important financial data contains financial information presented in comparative form for 3
(three) fiscal years or since starting its business if the Issuer or Public Company has carried out its business
activities for less than 3 (three) years, containing at least:
1 pendapatan/penjualan 24 – 26
Revenue/sales
2 laba bruto
Gross profit
3 laba (rugi)
Profit (loss)
4 jumlah laba (rugi) yang dapat diatribusikan kepada pemilik entitas induk dan kepentingan non pengendali
The amount of profit (loss) attributable to the owners of the parent entity and non-controlling interests
5 total laba (rugi) komprehensif
Total comprehensive profit (loss)
6 jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik entitas induk dan kepentingan non
pengendali
The amount of comprehensive profit (loss) attributable to the owners of the parent entity and non-
controlling interests
7 laba (rugi) per saham
Profit (loss) per share
8 jumlah asset 22 - 23
Total assets
9 jumlah liabilitas
Total liabilities
10 jumlah ekuitas
Total equity
11 rasio laba (rugi) terhadap jumlah asset 26
Ratio of profit (loss) on total assets
12 rasio laba (rugi) terhadap ekuitas
Ratio of profit (loss) on Equity
13 rasio laba (rugi) terhadap pendapatan/penjualan
Rasio of profit (loss) on Revenue/Sales
14 rasio lancer
Current rasio
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15 rasio liabilitas terhadap ekuitas
Rasio of liabilities on equity
16 rasio liabilitas terhadap jumlah asset
Rasio of liabilities on total assets
17 informasi dan rasio keuangan lainnya yang relevan dengan Emiten atau Perusahaan Publik dan jenis
industrinya
Information and other financial ratios that are relevant to the Issuer or Public Company and the type of
industry
B Informasi Saham
Informasi saham bagi Perusahaan Terbuka paling sedikit memuat:
27- 28
Share Information:
Share information for Public Company must at least contains:
1 saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan dalam bentuk perbandingan 27
selama 2 (dua) tahun buku terakhir, paling sedikit memuat:
Shares that have been issued for each quarter, presented in comparative form for the last 2 (two) fiscal
years, contain at least:
a. jumlah saham yang beredar;
Total sahres outstanding
b. kapitalisasi pasar berdasarkan harga pada bursa efek tempat saham dicatatkan
Market capitalization is based on the price on the stock exchange where the shares are listed
c. harga saham tertinggi, terendah, dan penutupan berdasarkan harga pada bursa efek tempat saham
dicatatkan
The highest, lowest and closing stock prices are based on the price on the stock exchange where the
shares are listed
d. volume perdagangan pada bursa efek tempat saham dicatatkan
Informasi dalam huruf b, huruf c dan huruf d hanya diungkapkan jika sahamnya tercatat di bursa efek
Trading volume on the stock exchange where the shares are listed
Information in letters b, c and d is only disclosed if the shares are listed on the stock exchange
2 Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya perubahan pada saham, seperti pemecahan 28
saham (stock split), penggabungan saham (reverse stock), dividen saham, saham bonus, perubahan nilai
nominal saham, penerbitan efek konversi, serta penambahan dan pengurangan modal, informasi saham
sebagaimana dimaksud pada angka 1) ditambahkan penjelasan paling sedikit mengenai:
In the event of a corporate action that causes changes in shares, such as stock split, reverse stock, share
dividends, bonus shares, changes in the nominal value of shares, issuance of convertible securities, as
well as additions and reductions in capital, stock information as referred to in number 1) is added with an
explanation of at least:
a. tanggal pelaksanaan aksi korporasi
date of implementation of the corporate action
b. rasio pemecahan saham (stock split), penggabungan saham (reverse stock), dividen saham, saham
bonus, jumlah efek konversi yang diterbitkan, dan perubahan nilai nominal saham
ratio of stock splits, reverse stock, stock dividends, bonus shares, number of convertible securities
issued, and changes in nominal value of shares
c. jumlah saham beredar sebelum dan sesudah aksi korporasi
number of shares outstanding before and after the corporate action
d. jumlah efek konversi yang dilaksanakan (jika ada)
number of conversion effects implemented (if any)
e. harga saham sebelum dan sesudah aksi korporasi
share prices before and after corporate actions
3 dalam hal terjadi penghentian sementara perdagangan saham (suspension) dan/atau pembatalan 28
pencatatan saham (delisting) dalam tahun buku, dijelaskan alasan penghentian sementara perdagangan
saham (suspension) dan/atau pembatalan pencatatan saham (delisting) tersebut
In the event of a temporary suspension of share trading and/or delisting of share listing in the fiscal
year, the reasons for the temporary suspension of share trading (suspension) and/or delisting of share
(delisting) are explained.
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4 dalam hal penghentian sementara perdagangan saham (suspension) sebagaimana dimaksud pada angka 28
3) dan/atau proses pembatalan pencatatan saham (delisting) masih berlangsung hingga akhir periode
Laporan Tahunan, dijelaskan tindakan yang dilakukan untuk menyelesaikan penghentian sementara
perdagangan saham (suspension) dan/atau pembatalan pencatatan saham (delisting) tersebut
In the event that the temporary suspension of share trading (suspension) as referred to in number 3) and/
or the process of delisting of share (delisting) is still ongoing until the end of the Annual Report period,
the actions taken to resolve the temporary suspension of share trading (suspension) and/or delisting are
explained.
C Laporan Direksi
Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Board of Directors report 46 - 56
The Board of Directors report must at least contains a brief descriptions of:
1 kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
the performance of the Issuer or Public Company, at least includes:
a. strategi dan kebijakan strategis Emiten atau Perusahaan Publik 48 - 49
strategy and strategic policies of the Issuer or Public Company
b. peranan Direksi dalam perumusan strategi dan kebijakan strategis Emiten atau Perusahaan Publik
the role of the Board of Directors in formulating the strategy and strategic policies of the Issuer or
Public Company
c. proses yang dilakukan Direksi untuk memastikan implementasi strategi Emiten atau Perusahaan Publik
the process carried out by the Board of Directors to ensure the implementation of the Issuer's or Public
Company's strategy
d. perbandingan antara hasil yang dicapai dengan yang ditargetkan Emiten atau Perusahaan Publik 49 – 50
comparison between the results achieved and those targeted by the Issuer or Public Company
e. kendala yang dihadapi Emiten atau Perusahaan Publik 50 – 51
obstacles faced by Issuers or Public Companies
2 gambaran tentang prospek usaha Emiten atau Perusahaan Publik 51 – 53
an overview of the business prospects of the Issuer or Public Company
3 penerapan tata kelola Emiten atau Perusahaan Publik 53 - 54
implementation of governance for Issuers or Public Companies
D Laporan Dewan Komisaris
Laporan Dewan Komisaris paling sedikit memuat uraian
singkat mengenai: 36 – 45
Board of Commissioners report
The Board of Commissioners report must at least contains a brief descriptions of:
1 penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau Perusahaan Publik, termasuk 38
pengawasan Dewan Komisaris dalam perumusan dan implementasi strategi Emiten atau Perusahaan Publik
yang dilakukan oleh Direksi
assessment of the performance of the Board of Directors regarding the management of the Issuer or Public
Company, including supervision of the Board of Commissioners in the formulation and implementation of
the Issuer or Public Company strategy carried out by the Board of Directors
2 pandangan atas prospek usaha Emiten atau Perusahaan Publik yang disusun oleh Direksi 39
views on the business prospects of the Issuer or Public Company prepared by the Board of Directors
3 pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik 41
views on the implementation of governance of Issuers or Public Companies
E Profil Emiten atau Perusahaan Publik
Profil Emiten atau Perusahaan Publik paling sedikit memuat informasi: 60 - 139
Profile of Issuers or Public Company
1 nama Emiten atau Perusahaan Publik termasuk apabila terdapat perubahan nama, alasan perubahan, dan 63 – 65
tanggal efektif perubahan nama pada tahun buku
the name of the Issuer or Public Company including if there is a name change, the reason for the change,
and the effective date of the name change in the fiscal year
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2 akses terhadap Emiten atau Perusahaan Publik termasuk kantor cabang atau kantor perwakilan yang 62
memungkinkan masyarakat dapat memperoleh informasi mengenai Emiten atau Perusahaan Publik,
meliputi:
Access to Issuers or Public Companies including branch offices or representative offices that enable the
public to obtain information regarding Issuers or Public Companies, including:
a. Alamat
Address
b. nomor telepon
Telephone number
c. alamat surat elektronik
email address
d. alamat situs web
Website
3 riwayat singkat Emiten atau Perusahaan Publik 63 – 65
brief history of the Issuer or Public Company
4 visi dan misi Emiten atau Perusahaan Publik serta budaya perusahaan (corporate culture) atau nilai-nilai 70 – 72
Perusahaan
the vision and mission of the Issuer or Public Company as well as corporate culture or company values
5 kegiatan usaha menurut anggaran dasar terakhir, kegiatan usaha yang dijalankan pada tahun buku, serta 74 – 83
jenis barang dan/atau jasa yang dihasilkan
business activities according to the latest articles of association, business activities carried out in the
fiscal year, as well as the types of goods and/or services produced
6 wilayah operasional Emiten atau Perusahaan Publik wilayah operasional merupakan wilayah atau daerah 84 – 85
pelaksanaan kegiatan operasional atau jangkauan dari kegiatan operasional Perusahaan
The operational area of an Issuer or Public Company. The operational area is the area or region where
operational activities are carried out or the scope of the Company's operational activities
7 struktur organisasi Emiten atau Perusahaan Publik dalam bentuk bagan, paling sedikit sampai dengan 88 - 89
struktur 1 (satu) tingkat di bawah Direksi termasuk komite di bawah Direksi (jika ada) dan komite di bawah
Dewan Komisaris, disertai dengan nama dan jabatan
Organizational structure of the Issuer or Public Company in chart form, at least up to a structure 1
(one) level below the Board of Directors including committees below the Board of Directors (if any) and
committees below the Board of Commissioners, accompanied by names and positions
8 daftar keanggotaan asosiasi industri baik dalam skala nasional maupun internasional yang berkaitan 86
dengan penerapan keuangan berkelanjutan
membership list of industry associations both on a national and international scale related to the
implementation of sustainable finance
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9 profil Direksi, paling sedikit memuat: 105 - 117
Profile of the Board of Directors, whic must at least contains:
a. nama dan jabatan yang sesuai dengan tugas dan tanggung jawab
names and positions which are in accordance to duties and responsibilities
b. foto terbaru
Newest photograph
c. usia
Age
d. kewarganegaraan
Nationality
e. riwayat pendidikan dan/atau sertifikasi
Educational background and/or certification
f. riwayat jabatan, meliputi informasi:
Positional history, which must include:
dasar hukum pengangkatan sebagai anggota Direksi pada Emiten atau Perusahaan Publik yang
bersangkutan
legal basis for appointment as a member of the Board of Directors of the Issuer or Public Company
concerned
rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan Komisaris, dan/atau anggota komite
serta jabatan lainnya baik di dalam maupun di luar Emiten atau Perusahaan Publik.
Dalam hal anggota Direksi tidak memiliki rangkap jabatan, maka diungkapkan mengenai hal tersebut
holding multiple positions, either as a member of the Board of Directors, member of the Board of
Commissioners, and/or member of a committee as well as other positions both inside and outside the
Issuer or Public Company.
In the event that a member of the Board of Directors does not hold concurrent positions, this will be
disclosed
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
work experience and time period both inside and outside the Issuer or Public Company
g. hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan Komisaris, pemegang saham utama,
dan pengendali baik langsung maupun tidak langsung sampai kepada pemilik individu, meliputi nama
pihak yang terafiliasi. Dalam hal anggota Direksi tidak memiliki hubungan afiliasi, maka Emiten atau
Perusahaan Publik mengungkapkan hal tersebut
Affiliate relationships with other members of the Board of Directors, members of the Board of
Commissioners, major shareholders and controllers, both directly and indirectly, up to individual owners,
including the names of affiliated parties. In the event that a member of the Board of Directors does not
have an affiliate relationship, the Issuer or Public Company shall disclose this
h. perubahan komposisi anggota Direksi dan alasan perubahannya. Dalam hal tidak terdapat perubahan
komposisi anggota Direksi, maka diungkapkan mengenai hal tersebut
changes in the composition of members of the Board of Directors and the reasons for the changes. In
the event that there is no change in the composition of the members of the Board of Directors, this will
be disclosed
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10 profil Dewan Komisaris, paling sedikit memuat: 90 - 103
Profile of the Board of Commissioners, which must at least contains:
a. nama dan jabatan
Names and positions
b. foto terbaru
Newest photograph
c. usia
Age
d. kewarganegaraan
Nationality
e. riwayat pendidikan dan/atau sertifikasi
educational background and/or certification
f. riwayat jabatan, meliputi informasi:
Positional history, which must include:
dasar hukum pengangkatan sebagai anggota Dewan Komisaris
legal basis for appointment as a member of the Board of Commissioners
dasar hukum pengangkatan pertama kali sebagai anggota Dewan Komisaris yang merupakan komisaris
independen pada Emiten atau Perusahaan Publik yang bersangkutan
legal basis for the first appointment as a member of the Board of Commissioners who is an
independent commissioner of the Issuer or Public Company concerned
rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite
serta jabatan lainnya baik di dalam maupun di luar Emiten atau Perusahaan Publik.
Dalam hal anggota Dewan Komisaris tidak memiliki rangkap jabatan, maka diungkapkan mengenai hal
tersebut
holding multiple positions, either as a member of the Board of Commissioners, member of the Board of
Directors, and/or committee member as well as other positions both inside and outside the Issuer or
Public Company.
In the event that a member of the Board of Commissioners does not hold concurrent positions, this
matter shall be disclosed
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
work experience and time period both inside and outside the Issuer or Public Company
g. hubungan afiliasi dengan anggota Dewan Komisaris lainnya, pemegang saham utama, dan pengendali
baik langsung maupun tidak langsung sampai kepada pemilik individu, meliputi nama pihak yang
terafiliasi Dalam hal anggota Dewan Komisaris tidak memiliki hubungan afiliasi, maka Emiten atau
Perusahaan Publik mengungkapkan hal tersebut
Affiliate relationships with other members of the Board of Commissioners, major shareholders and
controllers, both directly and indirectly, down to individual owners, including the names of affiliated
parties. In the event that members of the Board of Commissioners do not have an affiliate relationship,
the Issuer or Public Company shall disclose this
h. pernyataan independensi komisaris independen dalam hal komisaris independen telah menjabat lebih
dari 2 (dua) periode
statement of independence of the independent commissioner if the independent commissioner has
served more than 2 (two) terms
i. perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya. Dalam hal tidak terdapat
perubahan komposisi anggota Dewan Komisaris, maka diungkapkan mengenai hal tersebut
changes in the composition of members of the Board of Commissioners and the reasons for the
changes. In the event that there is no change in the composition of the members of the Board of
Commissioners, this matter will be disclosed
11 dalam hal terdapat perubahan susunan anggota Direksi dan/atau anggota Dewan Komisaris yang terjadi 90, 105
setelah tahun buku berakhir sampai dengan batas waktu penyampaian Laporan Tahunan, susunan yang
dicantumkan dalam Laporan Tahunan adalah susunan anggota Direksi dan/atau anggota Dewan Komisaris
yang terakhir dan sebelumnya
If there is a change in the composition of members of the Board of Directors and/or members of the Board
of Commissioners that occurs after the fiscal year ends up to the deadline for submission of the Annual
Report, the composition included in the Annual Report is the latest and previous composition of members
of the Board of Directors and/or Board of Commissioners.
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12 jumlah karyawan menurut: 118 - 120
Total employee based on:
jenis kelamin, jabatan, usia, tingkat pendidikan, dan status ketenagakerjaan (tetap/kontrak) dalam tahun
buku
gender, position, age, education level, and employment status (permanent/contract) in the fiscal year
13 nama pemegang saham dan persentase kepemilikan pada awal dan akhir tahun buku, yang terdiri dari 128 - 129
informasi mengenai:
name of shareholder and percentage of ownership at the beginning and end of the fiscal year, consisting of
information regarding:
a. pemegang saham yang memiliki 5% (lima persen) atau lebih saham Emiten atau Perusahaan Publik 128
shareholders who own 5% (five percent) or more shares of an Issuer or Public Company
b. anggota Direksi dan anggota Dewan Komisaris yang memiliki saham Emiten atau Perusahaan Publik. 128 – 129
Dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan Komisaris tidak memiliki saham,
maka diungkapkan mengenai hal tersebut
members of the Board of Directors and members of the Board of Commissioners who own shares in
Issuers or Public Companies.
In the event that all members of the Board of Directors and/or all members of the Board of
Commissioners do not own shares, this will be disclosed
c. kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham yang masing-masing 129
memiliki kurang dari 5% (lima persen) saham Emiten atau Perusahaan Publik.
community shareholder group, namely a group of shareholders who each own less than 5% (five
percent) of the shares of an Issuer or Public Company.
informasi di atas dapat disajikan dalam bentuk table
such information can be presented in the form of table
14 persentase kepemilikan tidak langsung atas saham Emiten atau Perusahaan Publik oleh anggota Direksi 130
dan anggota Dewan Komisaris pada awal dan akhir tahun buku, termasuk informasi mengenai pemegang
saham yang terdaftar dalam daftar pemegang saham untuk
kepentingan kepemilikan tidak langsung anggota Direksi dan anggota Dewan Komisaris
dalam hal seluruh anggota Direksi dan/atau seluruh anggota Dewan Komisaris tidak memiliki kepemilikan
tidak langsung atas saham Emiten atau Perusahaan Publik, maka diungkapkan mengenai hal tersebut.
percentage of indirect ownership of shares of an Issuer or Public Company by members of the Board
of Directors and members of the Board of Commissioners at the beginning and end of the fiscal year,
including information regarding shareholders registered in the shareholder register for
indirect ownership interests of members of the Board of Directors and members of the Board of
Commissioners
in the event that all members of the Board of Directors and/or all members of the Board of Commissioners
do not have indirect ownership of the shares of the Issuer or Public Company, then this matter shall be
disclosed.
15 jumlah pemegang saham dan persentase kepemilikan per akhir tahun buku berdasarkan klasifikasi: 130
number of shareholders and percentage of ownership as of the end of the fiscal year based on
classification:
a. kepemilikan institusi local
local institutional ownership
b. kepemilikan institusi asing
foreign institutional ownership
c. kepemilikan individu local
local individual ownership
d. kepemilikan individu asing
foreign individual ownership
16 informasi mengenai pemegang saham utama dan pengendali Emiten atau Perusahaan Publik, baik 131 - 132
langsung maupun tidak langsung, sampai kepada pemilik individu, yang disajikan dalam bentuk skema atau
bagan
information regarding the main and controlling shareholders of the Issuer or Public Company, both directly
and indirectly, down to individual owners, presented in the form of a scheme or chart
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17 nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama dimana Emiten atau Perusahaan 133 – 136
Publik memiliki pengendalian bersama entitas (jika ada), beserta persentase kepemilikan saham, bidang
usaha, total aset, dan status operasi entitas anak, perusahaan asosiasi, perusahaan ventura bersama
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak tersebut.
name of subsidiary, associated company, joint venture company where the Issuer or Public Company has
joint control of the entity (if any), along with the percentage of share ownership, line of business, total
assets, and operating status of the subsidiary, associated company, joint venture company
For subsidiary entities, information regarding the address of the subsidiary entity is added.
18 kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga penawaran dari awal pencatatan 136 – 137
hingga akhir tahun buku serta nama bursa efek dimana saham Emiten atau Perusahaan Publik dicatatkan,
termasuk pemecahan saham (stock split), penggabungan saham (reverse stock), dividen saham, saham
bonus, dan perubahan nilai nominal saham, pelaksanaan efek konversi, pelaksanaan penambahan dan
pengurangan modal (jika ada)
chronology of share listing, number of shares, nominal value and offering price from the beginning of the
listing to the end of the fiscal year as well as the name of the stock exchange where the shares of the
Issuer or Public Company are listed, including stock splits, reverse stock mergers, stock dividends, bonus
shares, and changes in the nominal value of shares, implementation of conversion effects, implementation
of additions and reductions in capital (if any)
19 informasi pencatatan efek lainnya selain efek sebagaimana dimaksud pada angka 18), yang belum jatuh 137
tempo pada tahun buku paling sedikit memuat:
information on recording securities other than securities as referred to in number 18), which have not yet
matured in the fiscal year at least contains:
a. nama efek
name of securities
b. tahun penerbitan
date of issuance
c. tingkat suku bunga/imbal hasil
interest rate/ yield
d. tanggal jatuh tempo
due date
e. nilai penawaran
offer value
f. peringkat efek (jika ada)
securities rating (if any)
20 informasi penggunaan jasa akuntan publik (AP) dan kantor akuntan publik (KAP) beserta jaringan/asosiasi/ 138
aliansinya meliputi:
Information on the use of public accountant (AP) and public accounting firms (KAP) services and their
networks/associations/alliances, which includes:
a. nama dan Alamat
names and address
b. periode penugasan
assignment period
c. informasi jasa audit dan/atau non audit yang diberikan
information on audit and/or non-audit services provided
d. biaya jasa (fee) audit dan/atau non audit untuk masing-masing penugasan yang diberikan selama tahun
buku
audit fees and/or non-audit for each assignment given in the fiscal year
e. dalam hal AP dan KAP beserta jaringan/asosiasi/aliansinya, yang ditunjuk tidak memberikan jasa non
audit, maka diungkapkan mengenai informasi tersebut
in the case of public accountant or public accounting firm as well as their networks/associations/
alliances that is appointed to provide audit services, the information is disclosed
Pengungkapan informasi penggunaan jasa AP dan KAP beserta jaringan/asosiasi/aliansinya dapat
disajikan dalam bentuk tabel.
Information disclosure on public accountant or public accounting firm as well as their networks/
associations/alliances can be presented in the form of table
21 nama dan alamat lembaga dan/atau profesi penunjang pasar modal selain AP dan KAP. 139
Names and address of the capital market institutions and/or professions, in addition to public accountant
or public accounting firm
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F Analisis dan Pembahasan Manajemen
Analisis dan pembahasan manajemen memuat analisis dan pembahasan mengenai laporan keuangan dan
informasi penting lainnya dengan penekanan pada perubahan material yang terjadi dalam tahun buku, yaitu
paling sedikit memuat:
140 - 197
Management Analysis and Discussion
Management analysis and discussion includes analysis and discussion of financial reports and other
important information with an emphasis on material changes that occur during the fiscal year, which at least
contains:
1 tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten atau Perusahaan Publik, paling 155 - 157
sedikit mengenai:
operational review per business segments, in accordance with the types of industries of the issuers or
public companies, which must at least contain:
a. produksi, yang meliputi proses, kapasitas, dan perkembangannya
production, which includes its process, capacities, and its development
b. pendapatan/penjualan
revenue/sales
c. profitabilitas
profitability
2 kinerja keuangan komprehensif yang mencakup perbandingan kinerja keuangan dalam 2 (dua) tahun buku 158 - 170
terakhir, penjelasan tentang penyebab adanya perubahan dan dampak perubahan tersebut, paling sedikit
mengenai:
comprehensive financial performance which includes a comparison of financial performance in the last 2
(two) fiscal years, an explanation of the causes of changes, and the impact of these changes, which must
at least contain:
a. aset lancar, aset tidak lancar, dan total asset
current assets, non-current assets, and total assets
b. liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas
short and long term liabilities, as well as total liabilities
c. ekuitas
equity
d. pendapatan/penjualan, beban, laba (rugi), penghasilan komprehensif lain, dan total laba (rugi)
komprehensif
revenue/sales, expenses, profit (loss), other comprehensive income, and total comprehensive profit
(loss)
e. arus kas
cash flow
3 kemampuan membayar utang atau kewajiban dengan menyajikan perhitungan rasio yang relevan 172 – 173
ability to pay debts or obligations by presenting relevant ratio calculations
4 tingkat kolektibilitas piutang Emiten atau Perusahaan Publik dengan menyajikan perhitungan rasio yang 174
relevan
receivable collectivity rate of the issuers or public companies by presenting relevant ratio calculations
5 struktur modal (capital structure) dan kebijakan manajemen atas struktur modal (capital structure) tersebut 175
disertai dasar penentuan kebijakan dimaksud
capital structure and management policy on the capital structure accompanied by the basis for determining
the policy in question
6 bahasan mengenai ikatan yang material untuk investasi barang modal dengan penjelasan paling sedikit 176
memuat:
discussion on material bonds for capital goods investment, which at least must include:
a. tujuan dari ikatan tersebut
purpose of the bond
b. sumber dana yang diharapkan untuk memenuhi ikatan tersebut
the source of funding to fulfil the bond
c. mata uang yang menjadi denominasi
denominating currency
d. langkah yang direncanakan Emiten atau Perusahaan Publik untuk melindungi risiko dari posisi mata
uang asing yang terkait
planned steps by the issuers or public companies to protect the risks from relevant currency positions
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7 bahasan mengenai investasi barang modal yang direalisasikan dalam tahun buku terakhir, paling sedikit 176 – 177
memuat:
discussion regarding investment in capital goods realized in the last fiscal year, which must at least
contain:
a. jenis investasi barang modal
types of capital good investment
b. tujuan investasi barang modal
purpose of capital good investment
c. nilai investasi barang modal yang dikeluarkan
distributed value of capital good investment
8 informasi dan fakta material yang terjadi setelah tanggal laporan akuntan (jika ada) 190
material facts and information that happened after the date of accounting report (if any)
9 prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan kondisi industri, ekonomi secara 142 – 154, 185 – 186
umum dan pasar internasional disertai data pendukung kuantitatif dari sumber data yang layak dipercaya
The business prospects of the Issuer or Public Company are linked to industrial conditions, general
economy and international markets accompanied by quantitative supporting data from reliable data sources
10 perbandingan antara target/proyeksi pada awal tahun buku dengan hasil yang dicapai (realisasi), mengenai: 182 – 184
comparison between target/projection at the beginning of fiscal year with the realization, regarding:
a. pendapatan/penjualan
revenue/sales
b. laba (rugi)
profit (loss)
c. struktur modal (capital structure)
capital structure
d. hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik
other matters deemed important to the issuers or public companies
11 target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk 1 (satu) tahun mendatang, 186
mengenai:
target/projection which the issuers or the public companies try to achieve in the next 1 (one) year,
regarding:
a. pendapatan/penjualan
revenue/sales
b. laba (rugi)
profit (loss)
c. laba (rugi)
profit (loss)
d. kebijakan dividen
dividend policy
e. hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik
other important matters deemed necessary by the issuers or public companies
12 aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan Publik, paling sedikit mengenai 179 – 180
strategi pemasaran dan pangsa pasar
marketing aspects on goods and/or services of the issuers or public companies, which must at least
contain marketing strategy and target market
13 uraian mengenai dividen selama 2 (dua) tahun buku terakhir, paling sedikit: 187
description on dividend policy for the last 2 (two) fiscal years, which must at least contain:
a. kebijakan dividen, antara lain memuat informasi persentase jumlah dividen yang dibagikan terhadap
laba bersih
dividend policy, which must at least contain information on the percentage of the number of dividends
distributed on net profit
b. tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen non kas
date of payment of cash dividend and/or date of non-cash dividend distribution
c. jumlah dividen per saham (kas dan/atau non kas)
number of dividend per share (cash and/or non-cash)
d. jumlah dividen per tahun yang dibayar
number of dividends per year paid
pengungkapan informasi dapat disajikan dalam bentuk tabel. Dalam hal Emiten atau Perusahaan Publik
tidak membagikan dividen dalam 2 (dua) tahun terakhir, maka diungkapkan mengenai hal tersebut.
Information disclosure can be presented in the form of a table. In the event that the issuers or public
companies has not distributed dividends in the last 2 (two) years, this matter will also be disclosed.
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14 realisasi penggunaan dana hasil penawaran umum, dengan ketentuan: 188 – 189
realization of IPO fund usage, with the following considerations:
a. dalam hal selama tahun buku, Emiten memiliki kewajiban menyampaikan laporan realisasi penggunaan
dana, maka diungkapkan realisasi penggunaan dana hasil penawaran umum secara kumulatif sampai
dengan akhir tahun buku
In the event that during the fiscal year the issuers have obligation to submit realization report of the
fund usage, then the realization of the fund usage gained from IPO is disclosed cumulatively until the
end of the fiscal year
b. dalam hal terdapat perubahan penggunaan dana sebagaimana diatur dalam Peraturan Otoritas
Jasa Keuangan mengenai laporan realisasi penggunaan dana hasil penawaran umum, maka Emiten
menjelaskan perubahan tersebut
in the event that there were changes in the fund usage as regulated in OJK Regulation on reports on
the realization of IPO fund usage, then the issuers shall disclose that changes
15 informasi material (jika ada), antara lain mengenai investasi, ekspansi, divestasi, penggabungan/peleburan 178, 190,
usaha, akuisisi, restrukturisasi utang/modal, transaksi material, transaksi afiliasi, dan transaksi benturan 191 – 196
kepentingan, yang terjadi pada tahun buku, paling sedikit memuat:
material information (if any), which contain investment, divestment, business mergers/consolidations,
acquisitions, debt/capital restructuring, material transactions, affiliate transactions, and conflict of interest
transactions, which occur in the fiscal year, which contain at least:
a. tanggal, nilai, dan objek transaksi
date, value, and objects of transaction
b. nama pihak yang melakukan transaksi
name of parties conducting transaction
c. sifat hubungan afiliasi (jika ada)
nature of the affiliated relationship (if any)
d. penjelasan mengenai kewajaran transaksi
explanation on the fairness of trnsaction
e. pemenuhan ketentuan terkait
fulfilment of related regulations
f. dalam hal terdapat hubungan afiliasi, selain mengungkapkan informasi sebagaimana dimaksud dalam
huruf a) sampai dengan huruf e), Emiten atau Perusahaan Publik juga mengungkapkan informasi:
in the event that there is affiliated relationship, in addition to disclosing information, as mentioned in
letter a) to letter e), the issuers or public companies also disclosed the following information:
pernyataan Direksi bahwa transaksi afiliasi telah melalui prosedur yang memadai untuk memastikan
bahwa transaksi afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku umum antara lain
dilakukan dengan memenuhi prinsip transaksi yang wajar (armslength principle)
statement of the Board of Directors that states that the transaction has gone through proper
procedures to ensure that the affiliated transaction has been carried out in accordance with prevailing
business practice, which was conducted by fulfilling the principles of fair transaction (armslength
principle)
peran Dewan Komisaris dan komite audit dalam melakukan prosedur yang memadai untuk memastikan
bahwa transaksi afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku umum antara lain
dilakukan dengan memenuhi prinsip transaksi yang wajar (armslength principle)
the role of Board of Commissioners and audit committee in conducting appropriate procedures to
ensure that the affiliated transaction has been carried out in accordance with prevailing business
practice, which was conducted by fulfilling the principles of fair transaction (armslength principle)
g. untuk transaksi afiliasi atau transaksi material yang merupakan kegiatan usaha yang dijalankan dalam
rangka menghasilkan pendapatan usaha dan dijalankan secara rutin, berulang, dan/atau berkelanjutan,
ditambahkan penjelasan bahwa transaksi afiliasi atau transaksi material tersebut merupakan kegiatan
usaha yang dijalankan dalam rangka menghasilkan pendapatan usaha dan dijalankan secara rutin,
berulang, dan/atau berkelanjutan
for affiliated or material transactions which are the business activities done in order to generate
business income and are carried out routinely, repeatedly and/or continuously, an explanation is added
which states that the affiliated transactions or material transactions are business activities carried out
to generate business income and routinely, repeatedly, and/or continuously
Dalam hal transaksi afiliasi atau transaksi material dimaksud telah diungkapkan dalam laporan
keuangan tahunan, ditambahkan informasi mengenai rujukan pengungkapan dalam laporan keuangan
tahunan tersebut.
In the event that the affiliated or material transaction in question has been disclosed in the annual
financial statement, information on the reference to the disclosure is added to the annual financial
statement.
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h. untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan kepentingan yang merupakan hasil
pelaksanaan transaksi afiliasi dan/atau transaksi benturan kepentingan yang telah disetujui pemegang
saham independen, ditambahkan informasi mengenai tanggal pelaksanaan RUPS yang menyetujui
transaksi afiliasi dan/atau transaksi benturan kepentingan tersebut
for disclosure of affiliated and/or conflict of interest transactions as a result of the implementation of
affiliated and/or conflict of interest transactions approved by independent shareholders, information
regarding the date of the GMS which approved the affiliated and/or conflict of interest transaction is
added.
i. dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi benturan kepentingan, maka diungkapkan
mengenai hal tersebut
If there were no affiliated and/or conflict of interest transactions, such matters will also be disclosed
16 perubahan ketentuan peraturan perundang-undangan yang berpengaruh signifikan terhadap Emiten atau 196
Perusahaan Publik dan dampaknya terhadap laporan keuangan (jika ada)
changes in legal provisions that has a significant impact on the issuers or public companies, and its impact
on the financial statement (if any)
17 perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan (jika ada). 197
Changes in accounting policies, the reasons, and its impact on the financial statement (if any)
G Tata Kelola Emiten atau Perusahaan Publik
Tata kelola Emiten atau Perusahaan Publik paling sedikit memuat uraian singkat mengenai:
198 - 458
Governance of Issuers or Public Companies
The governance of an Issuer or Public Company must at least contain a brief description of:
1 RUPS, paling sedikit memuat: 211 - 230
AGM, must at least contain:
a. informasi mengenai keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku
meliputi:
information on AGM resolution on the fiscal year and 1 (one) year prior to the fiscal year, which must at
least contain:
keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku yang direalisasikan pada
tahun buku
resolution of the AGM on the fiscal year and 1 (one) year prior to the fiscal year which are realized on
the fiscal year
keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku yang belum direalisasikan
beserta alasan belum direalisasikan
resolution of the AGM on the fiscal year and 1 (one) year prior to the fiscal year which are not realized
on the fiscal year and the reasonings
b. dalam hal Emiten atau Perusahaan Publik menggunakan pihak independen dalam pelaksanaan RUPS
untuk melakukan perhitungan suara, maka diungkapkan mengenai hal tersebut
in the event that the issuers and public companies make use of independent parties in the conduction
of AGM to vote, that will also be disclosed
2 Direksi, paling sedikit memuat: 247 - 260
Board of Directors, which must at least contain:
a. tugas dan tanggung jawab masing-masing anggota Direksi 249 – 256
duties and responsibilities of each member of the Board of Directors
Informasi mengenai tugas dan tanggung jawab masing-masing anggota Direksi diuraikan dan dapat
disajikan dalam bentuk tabel.
Information on the duties and responsibilities of each member of the Board of Directors is described
and can be presented in the form of a table.
b. pernyataan bahwa Direksi memiliki pedoman atau piagam (charter) Direksi 248 – 249
statement that the Board of Directors is equipped with a guidance or a charter
c. kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi bersama Dewan Komisaris, dan 256- 258
tingkat kehadiran anggota Direksi dalam rapat tersebut termasuk kehadiran dalam RUPS
policies and implementation on the frequency of the Board of Directors’s meetings, the Board of
Directors’s and Board of Commissioners’s meetings, and the level of attendance of the member of the
Board of Directors in such meeting, including attendance in the GMS
Informasi tingkat kehadiran anggota Direksi dalam rapat Direksi, rapat Direksi bersama Dewan
Komisaris, atau RUPS dapat disajikan dalam bentuk tabel.
Information on the level of attendance of members of the Board of Directors at Board of Directors’s
meetings, meetings between the Board of Directors and the Board of Commissioners, or the GMS can
be presented in the form of a table.
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d. pelatihan dan/atau peningkatan kompetensi anggota Direksi: 258 – 260
training and/or competency development of the member of the Board of Directors
kebijakan pelatihan dan/atau peningkatan kompetensi anggota Direksi, termasuk program orientasi
bagi anggota Direksi yang baru diangkat (jika ada)
policy on training and/or competency development of the member of the Board of Directors, including
orientation program for the member of the Board of Directors who was newly appointed (id any)
pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Direksi dalam tahun buku (jika ada)
training and/or competency development of the member of the Board of Directors in the fiscal year (if
any)
e. penilaian Direksi terhadap kinerja komite yang mendukung pelaksanaan tugas Direksi pada tahun buku 260
paling sedikit memuat:
the Board of Directors’s assessment on the committee’s performance which supports the
implementation of the Board of Directors’s duties on the fiscal year, which must contain at least:
prosedur penilaian kinerja
procedures of performance assessment
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan kehadiran dalam
rapat
criteria used, such as performance achievement in the fiscal year, the competence, and the attendance
in the meeting
f. dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang mendukung pelaksanaan tugas 260
Direksi, maka diungkapkan mengenai hal tersebut.
If the issuers or public companies do not have committee which supports implementation of the Board
of Directors’s duties, then that will also be disclosed.
3 Dewan Komisaris, paling sedikit memuat: 231 - 246
The Board of Commissioners, which must contain at least:
a. tugas dan tanggung jawab Dewan Komisaris 232 – 235
duties and responsibilities of each member of the Board of Commissioners
b. pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter) Dewan Komisaris 232 – 233
statement that the Board of Commissioners is equipped with a guidelines or charters
c. kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat Dewan Komisaris bersama Direksi 234 – 237
dan tingkat kehadiran anggota Dewan Komisaris dalam rapat tersebut termasuk kehadiran dalam RUPS
policies and implementation on the frequency of the Board of Commissioners’s meetings, the Board of
Directors’s and Board of Commissioners’s meetings, and the level of attendance of the member of the
Board of Commissioners in such meeting, including attendance in the GMS
Informasi tingkat kehadiran anggota Dewan Komisaris dalam rapat Dewan Komisaris, rapat Dewan
Komisaris bersama Direksi, atau RUPS dapat disajikan dalam bentuk tabel.
Information on the level of attendance of members of the Board of Commissioners at Board of
Commissioners’s meetings, meetings between the Board of Directors and the Board of Commissioners,
or the GMS can be presented in the form of a table.
d. pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris: 238 -242
training and/or competency development of the member of the Board of Commissioners:
kebijakan pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris, termasuk program
orientasi bagi anggota Dewan Komisaris yang baru diangkat (jika ada)
policy on training and/or competency development of the member of the Board of Directors, including
orientation program for the member of the Board of Directors who was newly appointed (if any)
pelatihan dan/atau peningkatan kompetensi yang diikuti anggota Dewan Komisaris dalam tahun buku
(jika ada)
training and/or competency development of the member of the Board of Commissioners in the fiscal
year (if any)
e. penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing anggota Direksi dan anggota 261 - 265
Dewan Komisaris, paling sedikit memuat:
the assessment on the Board of Directors’s and Board of Commissioners’s performance as well as the
members of the Board of Directors’s and Board of Commissioners’s performance, which must contain
at least:
prosedur pelaksanaan penilaian kinerja
procedures of performance assessment
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan kehadiran dalam
rapat
criteria used, such as performance achievement in the fiscal year, the competence, and the attendance
in the meeting
pihak yang melakukan penilaian
parties conducting the assessment
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f. penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung pelaksanaan tugas Dewan 243 - 246
Komisaris pada tahun buku meliputi:
the Board of Commissioners’s assessment on the committee’s performance which supports the
implementation of the Board of Commissioners’s duties on the fiscal year, which must contain at least:
prosedur penilaian kinerja
procedures of performance assessment
kriteria yang digunakan seperti capaian kinerja selama tahun buku, kompetensi dan kehadiran dalam rapat
criteria used, such as performance achievement in the fiscal year, the competence, and the attendance in
the meeting
4 nominasi dan remunerasi Direksi dan Dewan Komisaris, paling sedikit memuat: 266 – 271
nomination and remuneration of the Board of Directors and Board of Commissioners, which must contain
at least:
a. prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan proses nominasi anggota Direksi
dan/atau anggota Dewan Komisaris
nomination procedure, which includes brief explanation on the policies and processes of nomination of
the members of the Board of Directors and/or the members of Board of Commissioners
b. prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris, antara lain:
the procedures and implementation of the Board of Directors’s and Board of Commissioners’s
remuneration, which must include:
prosedur penetapan remunerasi Direksi dan Dewan Komisaris
procedures for determining the remuneration of the Board of Directors and Board of Commissioners
struktur remunerasi Direksi dan Dewan Komisaris seperti, gaji, tunjangan, tantiem/bonus dan lainnya
remuneration structure of the Board of Directors and Board of Commissioners such as the salary,
allowance, bonus, and others
besarnya remunerasi masing-masing anggota Direksi dan anggota Dewan Komisaris Pengungkapan
informasi dapat disajikan dalam bentuk tabel.
Disclosure of information of the remuneration of each member of the Board of Directors and each member
of the Board of Commissioners is presented in the form of a table.
5 dewan pengawas syariah, bagi Emiten atau Perusahaan Publik yang menjalankan kegiatan usaha 272 - 276
berdasarkan prinsip syariah sebagaimana tertuang dalam anggaran dasar, paling sedikit memuat:
sharia supervisory board, for issuers or public companies that conduct business based of sharia principles
as stated in the article of association, which must contain at least:
a. nama
name
b. dasar hukum pengangkatan dewan pengawas syariah
legal basis of appointment of the sharia supervisory board
c. periode penugasan dewan pengawas syariah
assignment period of sharia supervisory board
d. tugas dan tanggung jawab dewan pengawas syariah
duties and responsibilities of the sharia supervisory board
e. frekuensi dan cara pemberian nasihat dan saran serta pengawasan pemenuhan prinsip syariah di pasar
modal terhadap Emiten atau Perusahaan Publik
the frequency and method of providing advice and suggestions, as well as the fulfilment of sharia
principles in the capital market on issuers and public companies
6 komite audit, paling sedikit memuat: 277 - 287
audit committee, which must contain at least
a. nama dan jabatannya dalam keanggotaan komite
name and positions in the committee membership
b. usia
age
c. kewarganegaraan
nationality
d. riwayat Pendidikan
educational background
e. riwayat jabatan, meliputi informasi:
position history, which includes this information:
dasar hukum penunjukan sebagai anggota komite
legal basis of appointment as a committee member
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rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite
serta jabatan lainnya (jika ada)
concurrent position, whether as a member of the Board of Commissioners, member of the Board of
Directors, and/or member of committee, or other position (if any)
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
working experience and its period in the issuers or public companies
f. periode dan masa jabatan anggota komite audit
period and tenure of the position of the audit committee
g. pernyataan independensi komite audit
statement of independence of the audit committee
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
training and/or competency development that has been participated in the fiscal year (if any)
i. kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat kehadiran anggota komite audit
dalam rapat tersebut
the policies and frequency of the audit committee meetings and th audit committee’s member’s level of
attendance in the meetings
j. pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan yang dicantumkan dalam pedoman
atau piagam (charter) komite audit
implementation of the audit committee’s activities in the fiscal year, in accordance to the statement in
the audit committee’s guidelines or charter
7 komite atau fungsi nominasi dan remunerasi Emiten atau Perusahaan Publik, paling sedikit memuat: 288 - 298
nomination and remuneration committee and function on the issuers or public companies, which must at
least contain:
a. nama dan jabatannya dalam keanggotaan komite
names and positions in the committee membership
b. usia
age
c. kewarganegaraan
nationality
d. riwayat Pendidikan
educational background
e. riwayat jabatan, meliputi informasi:
positional history, which include this information:
dasar hukum penunjukan sebagai anggota komite
legal basis of appointment as a committee member
rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite
serta jabatan lainnya (jika ada)
concurrent position, whether as a member of the Board of Commissioners, member of the Board of
Directors, and/or member of committee, or other position (if any)
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
working experience and its period in the issuers or public companies
f. periode dan masa jabatan anggota komite
period and tenure of the position of the committee
g. pernyataan independensi komite
statement of independence of the committee
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
training and/or competency development that has been participated in the fiscal year (if any)
i. uraian tugas dan tanggung jawab
description of duties and responsibilities
j. pernyataan bahwa telah memiliki pedoman atau piagam (charter)
statement that it has guidelines or charters
k. kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota dalam rapat tersebut
policies and implementation of the meeting frequency and the member’s level of attendance in that
meeting
l. uraian singkat pelaksanaan kegiatan pada tahun buku
brief explanation of the implementation of activities in the fiscal year
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m. dalam hal tidak dibentuk komite nominasi dan remunerasi, Emiten atau Perusahaan Publik cukup
mengungkapkan informasi sebagaimana dimaksud dalam huruf i) sampai dengan huruf l) dan
mengungkapkan:
if the nomination and remuneration committee was not established, issuers or public companies need
to disclose that information as mentioned in the letter i) until letter l), and it must contain:
alasan tidak dibentuknya komite
the reason for not establishing the committee
pihak yang melaksanakan fungsi nominasi dan remunerasi
party/ies implementing the nomination and remuneration functions
8 komite lain yang dimiliki Emiten atau Perusahaan Publik dalam rangka mendukung fungsi dan tugas Direksi Unit dan Komite di bawah
(jika ada) dan/atau komite yang mendukung fungsi dan tugas Dewan Komisaris, paling sedikit memuat: Dewan Komisaris
other committees owned by the issuers or public companies in supporting the functions and duites of the • 299 – 309
Board of Directors (if any) and/or committees owned by the issuers or public companies in supporting the (Komite Pemantau
functions and duites of the Board of Commissioners, which must at least include: Risiko)
a. nama dan jabatannya dalam keanggotaan komite • 310 – 316
names and positions in the committee membership (Komite Tata Kelola
Terintegrasi)
b. usia
• 317 – 318
age
(Sekretaris Dewan
c. kewarganegaraan Komisaris)
nationality
d. riwayat Pendidikan Unit dan Komite di bawah
educational background Direksi
• 319 – 330
e. riwayat jabatan, meliputi informasi:
(Komite Investasi)
positional history, which include this information:
• 331 – 340
dasar hukum penunjukan sebagai anggota komite (Komite Manajemen
legal basis of appointment as a committee member Risiko)
rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite • 341 - 356
serta jabatan lainnya (jika ada) (Komite Pengarah TI)
concurrent position, whether as a member of the Board of Commissioners, member of the Board of • 357 – 364
Directors, and/or member of committee, or other position (if any) (Komite Pengembangan
Produk Asuransi)
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
Unit and Committee under
working experience and its period in the issuers or public companies
Board of Commissioners
f. periode dan masa jabatan anggota komite • 299 – 309
period and tenure of the position of the committee Risk Monitoring
g. pernyataan independensi komite Committee
statement of independence of the committee • 310 – 316
Integrated Governance
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
Committee
training and/or competency development that has been participated in the fiscal year (if any)
• 317 – 318
i. uraian tugas dan tanggung jawab Board of
description of duties and responsibilities Commissioners
j. pernyataan bahwa telah memiliki pedoman atau piagam (charter) komite Secretary
statement that it has committee guidelines or charters
Unit and Committee under
k. kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat kehadiran anggota komite dalam rapat
Board of Directors
tersebut
policies and implementation of the meeting frequency and the member’s level of attendance in that
• 319 – 330
meeting
Investment Committee
l. uraian singkat pelaksanaan kegiatan komite pada tahun buku • 331 – 340
brief explanation of the implementation of activities in the fiscal year Risk Management
Committee
• 341 - 356
IT Steering Committee
• 357 – 364
Insurance Product
Development
Committee
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9 sekretaris perusahaan, paling sedikit memuat: 365 – 374
corporate secretary, which must at least include:
a. nama
name
b. domisili
domicile
c. riwayat jabatan, meliputi:
positional history, which must at least include:
dasar hukum penunjukan sebagai sekretaris Perusahaan
legal basis of appointment as a corporate secretary
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
working experience and its period in the issuers or public companies
d. riwayat Pendidikan
educational background
e. pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku
training and/or competency development that has been participated in the fiscal year (if any)
f. uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun buku
brief explanation of the duties of corporate secretary in the fiscal year
10 unit audit internal, paling sedikit memuat: 375 - 379
internal audit unit, which must at least include:
a. nama kepala unit audit internal
name of the head of internal audit unit
b. riwayat jabatan, meliputi:
positional history, which must at least include:
dasar hukum penunjukan sebagai kepala unit audit internal
legal basis of appointment as a head of internal audit unit
pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan
Publik
working experience and its period in the issuers or public companies
c. kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada)
qualification and certification as an internat audit (if any)
d. pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku
training and/or competency development that has been participated in the fiscal year
e. struktur dan kedudukan unit audit internal
structure and position of internal audit unit
f. uraian tugas dan tanggung jawab
description of duties and responsibilities
g. pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit audit internal
statement that it has internal audit unit guidelines or charters
h. uraian singkat pelaksanaan tugas unit audit internal pada tahun buku termasuk kebijakan dan
pelaksanaan frekuensi rapat dengan Direksi, Dewan Komisaris, dan/atau komite audit
brief explanation of the implementation of activities of the internal audit unit including its policies and
frequency of meeting with the Board of Directors, Board of Commissioners, and/or audit committee
11 uraian mengenai sistem pengendalian internal (internal control) yang diterapkan oleh Emiten atau 364 – 387
Perusahaan Publik, paling sedikit memuat:
description of the internal control unit implemented by issuers or publiccompanies, which must at least
include:
a. pengendalian keuangan dan operasional, serta kepatuhan terhadap peraturan perundang-undangan
lainnya
financial and operational control, as well as its compliance to the regulation
b. tinjauan atas efektivitas sistem pengendalian internal
review on the effectiveness of internal control
c. pernyataan Direksi dan/atau Dewan Komisaris atas kecukupan sistem pengendalian internal
the statement of the Board of Directors and/or Board of Commissioners on the sufficiency of internal
control system
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12 sistem manajemen risiko yang diterapkan oleh Emiten atau Perusahaan Publik, paling sedikit memuat: 388 – 406
risk management system implemented by issuers or publiccompanies, which must at least include:
a. gambaran umum mengenai sistem manajemen risiko Emiten atau Perusahaan Publik
general description on the risk management system of the issuers or public companies
b. jenis risiko dan cara pengelolaannya
typs of risks and its management
c. tinjauan atas efektivitas sistem manajemen risiko Emiten atau Perusahaan Publik
review on the effectiveness of the risk management system of the issuers or public companies
d. pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas kecukupan sistem manajemen
risiko
statement of the Board of Directors and/or Board of Commissioners or audit committee on the
sufficiency of the risk management system
13 perkara hukum yang berdampak material yang dihadapi oleh Emiten atau Perusahaan Publik, entitas anak, 415 – 417
anggota Direksi dan anggota Dewan Komisaris (jika ada), paling sedikit memuat:
legal issues that have a material impact to the issuers or public companies, subsidiaries, the members of
Board of Directors and Board of Commissioners (if any), which must at least include:
a. pokok perkara/gugatan
the case of lawsuit
b. status penyelesaian perkara/gugatan
the state of case/lawsuit settlement
c. pengaruhnya terhadap kondisi Emiten atau Perusahaan Publik
its impact on the condition of the issuers or public companies
14 informasi tentang sanksi administratif/sanksi yang dikenakan kepada Emiten atau Perusahaan Publik, 417
anggota Dewan Komisaris dan anggota Direksi, oleh Otoritas Jasa Keuangan dan otoritas lainnya pada
tahun buku (jika ada)
information on the administrative sanctions/sanctions imposed to the issuers or public companies, as well
as the member of the Board of Commissioners and Board of Directors, by the financial service authority
and other authorities in the fiscal year (if any)
15 informasi mengenai kode etik Emiten atau Perusahaan Publik meliputi: 418 – 421
information on the Code of Conduct of the issuers or public companies, which include:
a. pokok-pokok kode etik
the basic of Code of Conduct
b. bentuk sosialisasi kode etik dan upaya penegakannya
Its dissemination and enforcement
c. pernyataan bahwa kode etik berlaku bagi anggota Direksi, anggota Dewan Komisaris, dan karyawan
Emiten atau Perusahaan Publik
statement that the code of conduct is in effect for the members of the Board of Directors, Board of
Commissioners, and all the employees of the issuers or public companies
16 uraian singkat mengenai kebijakan pemberian kompensasi jangka panjang berbasis kinerja kepada 422
manajemen dan/atau karyawan yang dimiliki oleh Emiten atau Perusahaan Publik (jika ada), antara lain
berupa program kepemilikan saham oleh manajemen (management stock ownership program/MSOP) dan/
atau program kepemilikan saham oleh karyawan (employee stock ownership program/ESOP)
dalam hal pemberian kompensasi berupa program kepemilikan saham oleh manajemen (management stock
ownership program/MSOP) dan/atau program kepemilikan saham oleh karyawan (employee stock ownership
program/ESOP), informasi yang diungkapkan paling sedikit memuat:
A brief description of the policy of providing long-term, performance-based compensation to management
and/or employees owned by the issuer or public companies (if any), including in the form of a management
stock ownership program (MSOP) and/or employee stock ownership program (ESOP)
in providing compensation in the form of a stock ownership program by management (management
stock ownership program/MSOP) and/or an employee stock ownership program (ESOP), the information
disclosed must contain at least:
a. jumlah saham dan/atau opsi
the number of stock and/or options
b. jangka waktu pelaksanaan
the period of implementation
c. persyaratan karyawan dan/atau manajemen yang berhak
requirements of eligible employees and/or management
d. harga pelaksanaan atau penentuan harga pelaksanaan
the price of implementation or the decision of price of implementation
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17 uraian singkat mengenai kebijakan pengungkapan informasi mengenai: 423 - 426
brief description on the policy to disclose information on:
a. kepemilikan saham anggota Direksi dan anggota Dewan Komisaris paling lambat 3 (tiga) hari kerja
setelah terjadinya kepemilikan atau setiap perubahan kepemilikan atas saham Perusahaan Terbuka
share ownership by the members of Board of Directors and Board of Commissioners must be disclosed
at the latest 3 (three) working days after the ownership or in any changes of ownership of the share of
the public companies
b. pelaksanaan atas kebijakan dimaksud
implementation of the policies
18 uraian mengenai sistem pelaporan pelanggaran (whistleblowing system) di Emiten atau Perusahaan Publik, 427 - 429
paling sedikit memuat:
brief explanation on the whistleblowing system on the issuers or public companies, which must contain
at least:
a. cara penyampaian laporan pelanggaran
whistleblowing delivery methods
b. perlindungan bagi pelapor
protection for the whistleblower
c. penanganan pengaduan
complaint handling
d. pihak yang mengelola pengaduan
parties handling the complaint
e. hasil dari penanganan pengaduan, paling sedikit:
the results of the complaint handling, which must include at least:
jumlah pengaduan yang masuk dan diproses dalam tahun buku
number of complaints entering the system and processed in the fiscal year
tindak lanjut pengaduan
follow up on the complaint
dalam hal Emiten atau Perusahaan Publik tidak memiliki sistem pelaporan pelanggaran (whistleblowing
system), maka diungkapkan mengenai hal tersebut.
If the Issuers or Public Companies do not have whistleblowing system, it needs to be disclosed.
19 uraian mengenai kebijakan anti korupsi Emiten atau Perusahaan Publik, paling sedikit memuat: 430-439,
description on the anti-corruption policies in the issuers or public companies, which must at least include: 443-445
a. program dan prosedur yang dilakukan dalam mengatasi praktik korupsi, balas jasa (kickbacks), fraud,
suap dan/atau gratifikasi dalam Emiten atau Perusahaan Publik
programs and procedures implemented in handling corruption, kickbacks, fraud, bribes and/or
gratuituies in the issuers or public companies
b. pelatihan/sosialisasi anti korupsi kepada karyawan Emiten atau Perusahaan Publik
training/dissemination of anti-corruption to the employees of the issuers or public companies
Dalam hal Emiten atau Perusahaan Publik tidak memiliki kebijakan anti korupsi, maka dijelaskan alasan
tidak dimilikinya kebijakan dimaksud.
If the issuers of public companies do not have an anti-corruption policy, the reasons behind it needs to
be disclosed.
20 penerapan atas pedoman tata kelola Perusahaan Terbuka bagi Emiten yang menerbitkan efek bersifat 452 - 458
ekuitas atau Perusahaan Publik, meliputi:
implementation of limited liabilities governance guidelines for the issuers that issues equity-based
securities or public companies, which must include:
a. pernyataan mengenai rekomendasi yang telah dilaksanakan
statement of recommendation that has been implemented
b. penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan alternatif pelaksanaannya
(jika ada).
Explanation on the recommendation that has not been implemented, with the reasonings and
implementation alternatives (if any)
pengungkapan informasi dapat disajikan dalam bentuk tabel.
Information disclosure is presented in the form of a table.
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H Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik
462 – 475
Social and environmental responsibilities of the issuers or public companies
1 Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik yang merupakan Laporan 462 – 475
Keberlanjutan (Sustainability Report) sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan
Nomor 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan,
Emiten, dan Perusahaan Publik.
Social and Environmental Responsibility of Issuers or Public Companies that are Sustainability Reports
as referred to in the Financial Services Authority Regulation No. 51/POJK.03/2017 concerning the
Implementation of Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies.
I Laporan Keuangan Tahunan yang Telah Diaudit
476
Audited Annual Financial Report
J Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan
Tahunan
58 - 59
Statement Letter of the Board of Directors and the Board of Commissioners Members regarding
Responsibility for the Annual Report
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PT ASURANSI TUGU PRATAMA PT ASURANSI TUGU PRATAMA
INDONESIA TBK INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
Laporan Keuangan Konsolidasian Consolidated Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
Approval for printing Paraf:
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
Daftar Isi Halaman/ Table of Contents
Page
Surat Pernyataan Direksi Directors’ Statement Letter
Laporan Auditor Independen Independent Auditor’s Report
Laporan Keuangan Konsolidasian Consolidated Financial Statements
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
Laporan Posisi Keuangan Konsolidasian 1 Consolidated Statements of Financial Position
Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or Loss and
3
Komprehensif Lain Konsolidasian Other Comprehensive Income
Laporan Perubahan Ekuitas Konsolidasian 5 Consolidated Statements of Changes in Equity
Laporan Arus Kas Konsolidasian 6 Consolidated Statements of Cash Flows
Catatan Atas Laporan Keuangan Konsolidasian 7 Notes to the Consolidated Financial Statements
Informasi Tambahan Additional Information
Laporan Posisi Keuangan (Entitas Induk) I Statements of Financial Position (Parent Entity)
Laporan Laba Rugi dan Penghasilan II Statements of Profit or Loss and Other
Komprehensif Lain (Entitas Induk) Comprehensive Income (Parent Entity)
Laporan Perubahan Ekuitas (Entitas Induk) III Statements of Changes in Equity (Parent Entity)
Laporan Arus Kas (Entitas Induk) IV Statements of Cash Flows (Parent Entity)
Catatan atas Investasi pada Entitas Anak Notes on Investments in Subsidiaries
V
(Entitas Induk) (Parent Entity)
Approval for printing Paraf:
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF
KONSOLIDASIAN FINANCIAL POSITION
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2024 2023
Notes Rp Rp
ASET ASSETS
Kas dan bank 4,39 358,000,320 537,857,224 Cash on hand and in banks
Investasi Investments
Deposito berjangka 5a,39 2,160,840,127 3,080,099,520 Time deposits
Efek-efek 5b,39 7,677,715,514 6,071,399,365 Marketable securities
Penyertaan langsung 5c 28,019,206 36,254,223 Direct participation
Investasi pada entitas asosiasi 5d 177,265,802 166,639,022 Investment in associates
Properti investasi 5f 1,179,943,393 2,317,627,368 Investment properties
Piutang premi dan Premium and cession
sesi, neto 6,39 1,616,850,321 1,859,030,780 receivables, net
Piutang koasuransi, neto 7,39 192,273,045 422,878,924 Coinsurance receivables, net
Piutang reasuransi dan Reinsurance and retrocession
retrosesi, neto 8,39 486,022,965 655,594,034 receivables, net
Piutang lain-lain 13 335,086,216 266,796,478 Other receivables
Aset tetap, neto 10 2,906,940,891 1,614,302,861 Fixed assets, net
Aset tak berwujud, neto 12 123,678,966 113,420,431 Intangible assets, net
Aset hak guna, neto 11a 23,367,109 10,357,593 Right use of assets, net
Aset reasuransi 16 8,023,804,564 7,262,059,610 Reinsurance assets
Biaya dibayar di muka dan uang muka 56,730,903 32,437,029 Prepaid expenses and advances
Pajak dibayar di muka 19a 79,681,846 35,238,365 Prepaid taxes
Aset pajak tangguhan 19e 293,205,718 281,650,749 Deferred tax assets
Aset lain-lain 9 630,643,626 374,299,039 Other assets
JUMLAH ASET 26,350,070,532 25,137,942,615 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Utang reasuransi dan Reinsurance and
retrosesi 17,39 1,835,027,181 1,891,733,387 retrocession payables
Utang komisi 18 96,142,324 43,569,121 Commissions payables
Utang klaim 14,39 155,449,063 313,786,300 Claims payables
Utang koasuransi 15,39 91,592,644 73,562,226 Coinsurance payables
Pinjaman diterima 23,39 527,075,229 296,149,553 Borrowings
Utang pembiayaan konsumen Consumer finance
dan sewa pembiayaan 24,39 117,815,784 45,513,893 and leases payables
Liabilitas sewa 11b 24,567,325 6,194,693 Lease liabilities
Beban akrual 20 289,365,193 290,477,838 Accrued expenses
Tagihan kekurangan pembayaran pajak 19b -- 3,256,171 Tax underpayment bill
Utang pajak 19c 50,973,809 180,342,673 Taxes payables
Utang lain-lain 21 251,399,834 270,437,331 Other payables
Liabilitas asuransi 16,39 12,171,114,196 11,147,535,021 Insurance liabilities
Liabilitas imbalan kerja 22 230,998,378 295,526,175 Employee benefits liabilities
JUMLAH LIABILITAS 15,841,520,960 14,858,084,382 TOTAL LIABILITIES
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENTS OF
KONSOLIDASIAN (Lanjutan) FINANCIAL POSITION (Continued)
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2024 2023
Notes Rp Rp
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity
kepada pemilik entitas induk: owner's holders of the parent:
Modal saham - nilai nominal Share capital - par value
Rp50 (nilai penuh) per saham Rp50 (full amount) per share
Modal dasar - Authorized -
6.400.000.000 saham 6,400,000,000 shares
Modal ditempatkan dan disetor penuh - Issued and fully paid -
3.555.575.600 saham dengan jumlah 3,555,575,600 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
per 31 Desember 2024 as of December 31, 2024
nilai nominal Share capital
Rp500 (nilai penuh) per saham Rp50 (full amount) per share
Modal dasar - Authorized -
6.400.000.000 saham 6,400,000,000 shares
Modal ditempatkan dan disetor penuh - Issued and fully paid -
3.555.575.600 saham dengan jumlah 3,555,575,600 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
tahun 2023 25 177,778,780 177,778,780 year 2023
Tambahan modal disetor 27 625,460,209 625,460,209 Additional paid in capital
Selisih kurs penjabaran
laporan keuangan (32,356,770) (37,679,259) Translation adjustments
Selisih transaksi antara pemegang Difference in transaction between
saham entitas anak 105,555,883 105,555,883 shareholders of a subsidiary
Keuntungan yang belum Unrealized gains on
direalisasi atas efek - efek available-for-sale
yang tersedia untuk dijual, neto 5e (95,569,506) 8,409,087 marketable securities, net
Surplus revaluasi aset tetap 10 1,998,384,997 2,027,351,117 Fixed assets revaluation surplus
Saldo laba Retained earnings
Ditentukan penggunaannya 413,313,271 413,313,271 Appropriated
Belum ditentukan penggunaannya 6,578,903,836 6,262,074,018 Unappropriated
Sub-jumlah ekuitas yang
dapat diatribusikan kepada Equity attributable to equity
pemilik entitas induk 9,771,470,700 9,582,263,106 owners holders of the parent
Kepentingan non-pengendali 29 737,078,872 697,595,127 Non-controlling interest
JUMLAH EKUITAS 10,508,549,572 10,279,858,233 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES AND
DAN EKUITAS 26,350,070,532 25,137,942,615 EQUITY
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF PROFIT OR
KOMPREHENSIF LAIN KONSOLIDASIAN LOSS AND OTHER COMPREHENSIVE INCOME
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2024 2023
Notes Rp Rp
PENDAPATAN ASURANSI DAN INSURANCE AND REINSURANCE
REASURANSI REVENUES
Pendapatan underwriting Underwriting revenues
Pendapatan premi Premium income
Premi bruto 30 8,536,877,518 7,709,524,068 Gross premium
Reinsurance and
Premi reasuransi dan retrosesi 30 (4,754,995,256) (4,368,028,394) retrocession premium
Perubahan premi yang Changes in unearned
belum merupakan pendapatan premium reserves and
dan liabilitas manfaat liabilities for future
polis masa depan 30 (314,399,802) (711,844,970) policy benefits
Perubahan aset reasuransi atas
premi yang belum Changes in reinsurance assets of
merupakan pendapatan unearned premium reserves
dan liabilitas manfaat and liabilities for future
polis masa depan 30 296,196,402 450,280,969 policy benefits
Pendapatan premi, neto 3,763,678,862 3,079,931,673 Premium income, net
Beban komisi, neto 31 (793,419,627) (470,367,564) Commission expense, net
Jumlah pendapatan underwriting 2,970,259,235 2,609,564,109 Total underwriting revenues
Pendapatan investasi 33 443,286,914 579,830,038 Investment income
Pendapatan usaha lainnya 34 519,850,137 402,090,598 Other operating revenues
JUMLAH PENDAPATAN 3,933,396,286 3,591,484,745 TOTAL REVENUES
BEBAN EXPENSES
Beban klaim Claim expenses
Klaim bruto 32 (2,689,824,306) (2,785,386,889) Gross claims
Klaim reasuransi Reinsurance
dan retrosesi 32 885,785,313 1,361,523,348 and retrocession claims
Changes in estimated
Perubahan estimasi liabilitas klaim 32 (709,179,372) (638,438,007) claims liabilities
Perubahan aset reasuransi atas Changes in reinsurance assets
estimasi liabilitas klaim 32 465,548,551 151,268,545 for estimated liabilities claims
Jumlah beban klaim neto (2,047,669,814) (1,911,033,003) Total net claim expenses
Beban usaha 35 (760,121,157) (812,220,956) Operating expenses
Beban usaha lainnya 36 (309,633,130) (298,263,982) Other operating expenses
Pendapatan (beban) lain-lain, neto 37 106,043,082 1,054,600,500 Other income (expenses), net
JUMLAH BEBAN (3,011,381,019) (1,966,917,441) TOTAL EXPENSES
Laba sebelum bagian laba bersih Income before share in associates’
entitas asosiasi dan beban pajak net income and final tax and
final dan pajak penghasilan 922,015,267 1,624,567,304 income tax expenses
Bagian laba bersih entitas asosiasi 5d 11,366,384 7,763,237 Share in associates net income
Laba sebelum beban pajak final Income before final tax and
dan pajak penghasilan 933,381,651 1,632,330,541 income tax expenses
Beban pajak final 19d (69,280,090) (52,159,894) Final tax expense
Laba sebelum beban pajak Income before income tax
penghasilan 864,101,561 1,580,170,647 expenses
Beban pajak penghasilan 19d (113,588,770) (278,069,378) Income tax expense
LABA TAHUN BERJALAN 750,512,791 1,302,101,269 INCOME FOR THE YEAR
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
3
Page 514
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN LABA RUGI DAN PENGHASILAN CONSOLIDATED STATEMENTS OF PROFIT OR
KOMPREHENSIF LAIN KONSOLIDASIAN LOSS AND OTHER COMPREHENSIVE INCOME
(Lanjutan) (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2024 2023
Notes Rp Rp
PENGHASILAN KOMPREHENSIF OTHER COMPREHENSIVE
LAIN INCOME
Pos yang tidak akan direklasifikasi Items that will not be reclassified
ke laba rugi: to profit or loss:
Pengukuran kembali atas Remeasurement of employee
liabilitas imbalan kerja 69,704,724 8,044,434 benefits liability
Surplus revaluasi aset tetap 10 (28,966,956) 13,793,037 Fixed assets revaluation surplus
Pajak penghasilan terkait pos Income tax related to items
yang tidak akan direklasifikasi that will not be reclassified
ke laba rugi (14,350,305) (1,231,666) to profit or loss
Pos yang akan direklasifikasi Items that will be reclassified
ke laba rugi: to profit or loss:
Keuntungan yang
belum direalisasi atas Unrealized gains
efek-efek tersedia untuk on available-for - sale
dijual 5e (121,996,207) 39,420,023 marketable securities
Selisih kurs penjabaran laporan
keuangan 5,322,571 (5,498,190) Translation adjustments
Pajak penghasilan terkait pos Income tax related to items
yang akan direklasifikasi that will be reclassified
ke laba rugi 6,722,643 (4,506,593) to profit or loss
Jumlah penghasilan komprehensif Total other comprehensive
lain setelah pajak (83,563,530) 50,021,045 income after tax
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN INCOME
BERJALAN 666,949,261 1,352,122,314 FOR THE YEAR
Laba tahun berjalan yang
dapat diatribusikan kepada: Income for the year attributable to:
Pemilik entitas induk 700,854,404 1,322,393,811 Equity owners of the parent entity
Kepentingan non-pengendali 49,658,387 (20,292,542) Non-controlling interest
Jumlah 750,512,791 1,302,101,269 Total
Jumlah penghasilan komprehensif
tahun berjalan yang dapat Total comprehensive income
diatribusikan kepada: for the year attributable to:
Pemilik entitas induk 627,454,605 1,372,504,501 Equity owners of the parent entity
Kepentingan non-pengendali 39,494,656 (20,382,187) Non-controlling interest
Jumlah 666,949,261 1,352,122,314 Total
LABA PER SAHAM YANG EARNINGS PER SHARE
DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO EQUITY
KEPADA PEMILIK ENTITAS INDUK OWNERS OF THE PARENT ENTITY
(nilai penuh) 38 197 372 (full amount)
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
4
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Keuntungan/
(kerugian)
yang belum
direalisasi atas
efek-efek
Selisih transaksi tersedia untuk
antara pemegang dijual, neto/ Ekuitas yang
saham entitas anak/ Selisih kurs Unrealized Surplus dapat diatribusikan
Tambahan Difference in penjabaran gain/ (loss) on revaluasi Saldo laba/Retained earnings kepada pemilik
modal disetor/ transactions laporan available - aset tetap/ Belum entitas induk/ Kepentingan non
Additional between keuangan/ for-sale Fixed assets Ditentukan Ditentukan Equity attributable pengendali/ Jumlah
Catatan/ Modal saham/ paid in shareholders of Translation marketable revaluation penggunaannya/ penggunaannya/ to equity holders Non-controlling ekuitas/
Notes Share capital capital a subsidiary adjustments securities, net surplus Appropriated Unappropriated*) of the parent interest Total equity
Saldo per 1 Januari 2023 177,778,780 625,460,209 105,555,883 (32,181,241) (26,735,318) 2,013,558,080 413,313,271 5,162,579,761 8,439,329,425 732,768,875 9,172,098,300 Balance as of January 1, 2023
Tambahan modal disetor -- -- -- -- -- -- -- -- -- 187,198,292 187,198,292 Additional paid in capital
Dividen saham 26 -- -- -- -- -- -- -- -- -- (187,198,292) (187,198,292) Shares dividends
Dividen kas 26 -- -- -- -- -- -- -- (229,570,820) (229,570,820) (14,791,561) (244,362,381) Cash dividends
Laba tahun berjalan -- -- -- -- -- -- -- 1,322,393,811 1,322,393,811 (20,292,542) 1,302,101,269 Income for the year
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- -- -- 6,671,266 6,671,266 141,502 6,812,768 benefits liabilities after tax
Selisih kurs penjabaran laporan keuangan -- -- -- (5,498,018) -- -- -- -- (5,498,018) (172) (5,498,190) Translation adjustments
Keuntungan yang belum Unrealized gain on available-
direalisasi atas efek-efek tersedia for-sale marketable
untuk dijual neto setelah pajak 5e -- -- -- -- 35,144,405 -- -- -- 35,144,405 (230,975) 34,913,430 securities net after tax
Surplus revaluasi aset tetap 10 -- -- -- -- -- 13,793,037 -- -- 13,793,037 -- 13,793,037 Fixed assets revaluation surplus
Saldo per 31 Desember 2023 177,778,780 625,460,209 105,555,883 (37,679,259) 8,409,087 2,027,351,117 413,313,271 6,262,074,018 9,582,263,106 697,595,127 10,279,858,233 Balance as of December 31 2023
Dividen kas 26 -- -- -- -- -- -- -- (438,247,011) (438,247,011) (10,911) (438,257,922) Cash dividends
Laba tahun berjalan -- -- -- -- -- -- -- 700,854,404 700,854,404 49,658,387 750,512,791 Income for the year
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- -- -- 54,222,425 54,222,425 1,131,994 55,354,419 benefits liabilities after tax
Selisih kurs penjabaran laporan keuangan -- -- -- 5,322,489 -- -- -- -- 5,322,489 82 5,322,571 Translation adjustments
Keuntungan yang belum Unrealized gain on available-
direalisasi atas efek-efek tersedia for-sale marketable
untuk dijual neto setelah pajak 5e -- -- -- -- (103,978,593) -- -- -- (103,978,593) (11,294,971) (115,273,564) securities net after tax
Surplus revaluasi aset tetap 10 -- -- -- -- -- (28,966,120) -- -- (28,966,120) (836) (28,966,956) Fixed assets revaluation surplus
Saldo per 31 Desember 2024 177,778,780 625,460,209 105,555,883 (32,356,770) (95,569,506) 1,998,384,997 413,313,271 6,578,903,836 9,771,470,700 737,078,872 10,508,549,572 Balance as of December 31 2024
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
5
Page 516
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENTS OF CASH FLOWS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2024 2023
Notes Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari tertanggung, Cash receipts from insured,
reasuradur, dan pelanggan 9,705,540,486 8,499,827,503 reinsurers, and customers
Pembayaran kas kepada tertanggung, Cash paid to insured, reinsurers,
reasuradur, pemasok, dan karyawan (9,087,432,170) (7,303,259,682) suppliers, and employees
Pembayaran pajak penghasilan (204,329,167) (198,596,293) Income tax paid
Penerimaan klaim atas pengembalian pajak -- 18,328,138 Cash receipts from claim for tax refund
Penerimaan atas litigasi -- 1,112,349,363 Cash receipts from litigation
Arus kas neto yang diperoleh dari Net cash flows provided by
aktivitas operasi 413,779,149 2,128,649,029 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Penerimaan bunga 469,732,911 446,797,913 Interest received
Penerimaan dividen 17,261,802 43,395,981 Dividends received
Pencairan (penempatan) Proceeds from sale (placement)
investasi, neto (637,938,482) (2,216,923,649) of investments, net
Perolehan aset tetap 10 (184,810,506) (368,082,172) Acquisitions of fixed assets
Hasil penjualan aset tetap 10 612,236 21,331 Proceeds from sale of fixed assets
Perolehan properti investasi -- (111,869) Acquisitions of investment property
Arus kas neto digunakan Net cash flows used
untuk aktivitas investasi (335,142,039) (2,094,902,465) for investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran dividen 26 (438,257,922) (244,362,381) Dividends paid
Pembayaran pinjaman diterima 23 (148,655,251) (71,485,703) Payment of borrowings
Pencairan pinjaman diterima 23 379,580,927 246,288,544 Proceeds of borrowings receiving
Pembayaran utang sewa pembiayaan Payment of consumer finance
konsumen dan sewa pembiayaan 24 (19,224,102) (23,102,483) and lease payable
Pembayaran bunga sewa pembiayaan 24 (21,835,313) (5,278,681) Payment of lease payable interest
Pembayaran liabilitas sewa 11 (6,079,883) (3,440,371) Payment of lease liabilities
Arus kas neto yang digunakan Net cash flows used in
untuk aktivitas pendanaan (254,471,544) (101,381,075) financing activities
KENAIKAN (PENURUNAN) NET INCREASE (DECREASE)
NETO KAS DAN BANK (175,834,434) (67,634,511) IN CASH AND BANKS
PENYESUAIAN ATAS ADJUSTMENT OF FOREIGN
SELISIH KURS (4,022,470) (3,494,364) EXCHANGES DIFFERENCE
KAS DAN BANK CASH AND BANKS
AWAL TAHUN 4 537,857,224 608,986,099 AT BEGINNING OF YEAR
KAS DAN BANK CASH AND BANKS AT
AKHIR TAHUN 4 358,000,320 537,857,224 END OF YEAR
* Lihat Catatan 40 untuk pengungkapan informasi tambahan arus * See Note 40 for the additional cash flows information,
kas, termasuk tambahan informasi transaksi non-kas include additional informastion non cash transaction.
Catatan terlampir merupakan bagian yang tidak terpisahkan dari The accompanying notes form an integral part of these
laporan keuangan secara keseluruhan. consolidated financial statement as a whole
Approval for printing 6 Paraf:
Page 517
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN FINANCIAL STATEMENTS
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Umum 1. General
1.a. Pendirian Perseroan 1.a. Establishment of the Company
PT Asuransi Tugu Pratama Indonesia Tbk PT Asuransi Tugu Pratama Indonesia Tbk
(“Perseroan”) didirikan berdasarkan Akta (“the Company”) was established based on
Notaris No. 9 tanggal 25 November 1981 Notarial Deed No. 9 dated November 25, 1981
dari Tan Thong Kie, S.H. Akta pendirian ini of Notary Tan Thong Kie, S.H. The deed of
disahkan oleh Menteri Kehakiman Republik establishment was approved by the Minister of
Indonesia dengan Surat Keputusan No. Justice of the Republic of Indonesia in his
Y.A5/177/20 tanggal 15 Maret 1982 serta Decision Letter No.Y.A5/177/20 dated March
diumumkan dalam Tambahan No. 845 dari 15, 1982 and was published in Supplement
Berita Negara Republik Indonesia No. 54 No. 845 to the State Gazette of the Republic
tanggal 6 Juli 1982. Anggaran dasar of Indonesia No. 54 dated July 6, 1982. The
Perseroan telah mengalami beberapa kali Company’s Articles of Association have been
perubahan, terakhir dengan Akta Notaris No. amended several times, most recently by
47 tanggal 10 Mei 2021 dari Notaris Jose Notarial Deed No. 47 of Jose Dima Satria,
Dima Satria, S.H., M.Kn. tentang Pernyataan S.H., M.Kn. dated May 10, 2021 regarding the
Keputusan Rapat Perubahan Anggaran Statement of Meeting Change in Articles of PT
Dasar PT Tugu Pratama Indonesia. Tugu Pratama Indonesia. This change was
Perubahan Anggaran Dasar tersebut telah approved by the Minister of Law and Human
memperoleh persetujuan dari Menteri Rights of Republic of Indonesia in his Decision
Hukum dan Hak Asasi Manusia Republik Letter No. AHU-0032939.AH.01.02 dated
Indonesia dalam Surat Keputusan No. AHU- June 9, 2021.
0032939.AH.01.02 tanggal 9 Juni 2021.
Anggaran Dasar Perseroan telah The Company’s Articles of Association have
disesuaikan dengan ketentuan Undang- conformed with Law No. 40 Year 2007 on
Undang No. 40 Tahun 2007 mengenai Limited Liability Company (UU PT) based on
Perseroan Terbatas (UU PT) yang Notarial Deed No. 27 dated June 25, 2008 of
dituangkan dalam Akta Notaris No. 27 Lenny Janis Ishak, S.H. This change was
tanggal 25 Juni 2008 dari Lenny Janis Ishak, approved by the Minister of Justice and
S.H. Perubahan tersebut telah mendapat Human Rights of the Republic of Indonesia in
persetujuan dari Menteri Hukum dan Hak his decision letter No. AHU- 51110.AH.01.02.
Asasi Manusia Republik Indonesia dengan Year 2008 dated August 14, 2008 and was
Surat Keputusan No. AHU- published in the Supplement No. 25141 to
51110.AH.01.02.Tahun 2008 tanggal State Gazette of Republic of Indonesia No. 95
14 Agustus 2008 serta diumumkan dalam dated November 25, 2008.
Berita Negara Republik Indonesia No. 95
tanggal 25 November 2008, Tambahan No.
25141.
Kantor pusat Perseroan berkedudukan di The Company’s head office is located at
Gedung Wisma Tugu I, Jalan Rasuna Said Wisma Tugu I Building, Jalan Rasuna Said
Kav C 8-9, Jakarta 12920, dengan 30 kantor Kav C 8-9, Jakarta 12920, with 30 offices
di luar kantor pusat yang tersebar di kota- outside the head office spread across major
kota besar di Indonesia seperti Surabaya, cities in Indonesia such as Surabaya,
Bandung, Semarang, Jogjakarta, Denpasar, Bandung, Semarang, Jogjakarta, Denpasar,
Medan, Palembang, Pekanbaru, Padang, Medan, Palembang, Pekanbaru, Padang,
Balikpapan, Pontianak, Bandar Lampung, Balikpapan, Pontianak, Bandar Lampung,
Makassar, Manado, Palu, dan kota-kota Makassar, Manado, Palu, and other cities.
lainnya.
Sesuai dengan pasal 3 Anggaran Dasar In accordance with article 3 of the Company’s
Perseroan, ruang lingkup kegiatan Articles of Association, the Company is
Perseroan adalah dalam bidang industri engaged in general insurance, reinsurance
asuransi umum, reasuransi, dan bisnis and sharia business. The Company obtained
7
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
syariah. Perseroan memperoleh izin usaha its business license from the Ministry of
dari Kementerian Keuangan Republik Finance of the Republic of Indonesia through
Indonesia melalui Direktorat Jenderal the Directorate General of Domestic Monetary
Moneter Dalam Negeri dengan Surat Affairs in its Decision Letter No. Kep-
Keputusan No. Kep-5572/MD/1981 tanggal 5572/MD/1981 dated December 9, 1981 and
9 Desember 1981 dan Kep-8014/MD/1986 Kep-8014/MD/1986 dated December 8, 1986.
tanggal 8 Desember 1986.
Perseroan memperoleh izin pembukaan The Company has obtained a license to open
divisi yang beroperasi dengan prinsip a division that would operate in accordance
syariah berdasarkan Surat Rekomendasi with sharia principles based on letter of
No.U-044/DSN-MUI/III/2005 tanggal recommendation from Dewan Sharia Nasional
20 Maret 2005 dari Dewan Syariah Nasional - Majelis Ulama Indonesia No. U-044/DSN-
Majelis Ulama Indonesia dan Surat MUI/III/2005 dated March 20, 2005 and
Keputusan Menteri Keuangan Republik Decision Letter of the Minister of Finance of
Indonesia No. KEP-108/KM.05/2005 tanggal Republic of Indonesia No. KEP-
18 April 2005. 108/KM.05/2005 dated April 18, 2005.
1.b. Manajemen kunci dan informasi lainnya 1.b. Key management and other information
Berdasarkan Akta Notaris No. 81 tanggal 20 Based on Notarial Deed No. 81 dated
Desember 2024 dan telah memperoleh December 20, 2024 and was approved by the
persetujuan dari Kementerian Hukum dan Minister of Law and Human Rights of Republic
Hak Asasi Manusia Republik Indonesia of Indonesia in his Decision Letter No. AHU-
dalam Surat Keputusan No. AHU-AH.01.09- AH.01.09-0292061 dated December 23, 2024
0292061 tanggal 23 Desember 2024 dan and Notarial Deed No. 78 dated May 22, 2024
Akta Notaris No. 78 tanggal 22 Mei 2024 dan and was approved by the Minister of Law and
telah memperoleh persetujuan dari Human Rights of Republic of Indonesia in his
Kementerian Hukum dan Hak Asasi Manusia Decision Letter No. AHU-AH.01.09-0206626
Republik Indonesia dalam Surat Keputusan dated May 28, 2024. The Company’s Board of
No. AHU-AH.01.09-0206626 tanggal 28 Mei Commissioners and Directors, Audit
2024. Susunan Dewan Komisaris, Direksi, Committee, and Sharia Supervisory Board as
Komite Audit, dan Dewan Pengawas Syariah of December 31, 2024 and 2023, are as
Perseroan pada tanggal 31 Desember 2024 follows:
dan 2023 adalah sebagai berikut:
2024 2023
Dewan Komisaris : Board of Commissioners :
Presiden Komisaris Abdul Ghofar * Dian Masyita * President Commissioner
Komisaris Independen Poerwo Tjahjono Poerwo Tjahjono Independent Commissioner
Komisaris Independen Tajudin Noor*** Tajudin Noor** Independent Commissioner
Komisaris Samuel Lie (Samuel Ramna) Samuel Lie (Samuel Ramna) Commissioner
Komisaris Bagus Agung Rahadiansyah Bagus Agung Rahadiansyah Commissioner
Direksi : Board of Directors :
Presiden Direktur Tatang Nurhidayat Tatang Nurhidayat President Director
Direktur Emil Hakim Emil Hakim Director
Direktur Sudarlin Sudarlin Director
Direktur Ery Widiatmoko Ery Widiatmoko Director
Direktur Edi Yoga Prasetyo*** Edi Yoga Prasetyo** Director
Komite Audit : Audit Committee :
Ketua Poerwo Tjahjono Poerwo Tjahjono Chairman
Anggota Dini Rosdini Dini Rosdini Member
Anggota Eni Pratiwi Herlinawati Eni Pratiwi Herlinawati Member
Anggota Saleh Basir Saleh Basir Member
Dewan Pengawas Syariah : Sharia Supervisory Board :
Ketua Muhammad Maksum Muhammad Maksum Chairman
Anggota Siti Hannah Siti Hannah Member
* Merangkap sebagai komisaris independen * Currently as independent commissioner
** Menunggu hasil uji kemampuan dan kepatutan OJK ** Waiting for the results of the OJK fit and proper test
*** Telah Lulus uji kemampuan dan kepatutan OJK pada *** Passed fit and proper test OJK on January 19, 2024
tanggal 19 Januari 2024
8
Page 519
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen kunci Perseroan terdiri dari The Company’s key management personnel
Dewan Komisaris dan Direksi. consist of the Boards of Commissioners and
Directors.
Jumlah kompensasi yang berupa imbalan The total compensation in the form of short-
kerja jangka pendek dan panjang untuk term and long-term employee benefits
Dewan Komisaris dan Direksi sebagai received by the Board of Commissioners and
personil manajemen kunci Perseroan adalah the Board of Directors as the Company’s key
sebagai berikut: management personnel are as follows:
2024 2023
Rp Rp
Dewan Komisaris : Board of Commissioners :
Imbalan kerja jangka pendek 15,816,990 9,071,347 Short-term benefits
Imbalan kerja jangka panjang 979,264 572,218 Long-term benefits
Sub jumlah 16,796,254 9,643,565 Sub total
Direksi : Board of Directors :
Imbalan kerja jangka pendek 46,078,376 38,057,784 Short-term benefits
Imbalan kerja jangka panjang 2,241,228 2,184,217 Long-term benefits
Sub jumlah 48,319,604 40,242,001 Sub total
Jumlah 65,115,858 49,885,566 Total
Total karyawan Perseroan pada tanggal The Company had total number of employees
31 Desember 2024 dan 2023 masing- as of December 31, 2024 and 2023 is 350 and
masing adalah 350 dan 357 orang (tidak 357, respectively (unaudited).
diaudit).
1.c. Penawaran umum saham 1.c. Public offering of shares
Saham Perseroan ditawarkan perdana The Company’s shares of stock were initially
kepada masyarakat dan dicatatkan di Bursa offered to the public and listed on the
Efek Indonesia pada tanggal 28 Mei 2018. Indonesia Stock Exchange on May 28, 2018.
Penawaran perdana saham Perseroan The Company’s initial public offering of
tersebut sejumlah 177.777.800 saham 177,777,800 shares with a par value of Rp100
dengan nilai nominal Rp100 per saham dan per share and offering price of Rp3,850 per
harga saham perdana Rp3.850 per saham, share, was approved for listing on
telah dinyatakan efektif untuk dicatatkan May 17, 2018 by the Financial Services
pada tanggal 17 Mei 2018 oleh Otoritas Jasa Authority (OJK) in its letter No. S-
Keuangan (OJK) dengan suratnya 50/D.04/2018.
No. S-50/D.04/2018.
1.d. Struktur perseroan dan entitas anak 1.d. Corporate structure and subsidiaries
Laporan keuangan konsolidasian mencakup The consolidated financial statements include
akun-akun Perseroan dan Entitas Anak the accounts of the Company and subsidiaries
(selanjutnya disebut “Grup”), dimana (here in after collectively referred to as “the
Perseroan memiliki, baik secara langsung Group”), where the Company has direct or
maupun tidak langsung, lebih dari 50% indirect ownership interests of more than 50%
saham pada entitas anak, yang terdiri dari: in the voting shares of the subsidiaries,
consisting of:
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Tahun
beroperasi
secara
komersial/
Commencement Persentase kepemilikan/ Jumlah aset sebelum eliminasi/
of commercial Domisili/ Jenis usaha/ Percentage of ownership Total assets before elimination
Entitas anak/Subsidiaries operation Domicile Nature of business 2024 2023 2024 2023
PT Tugu Pratama lnterindo 29 April 1994/ Jakarta Investasi saham/ 99.99% 99.99% 1,127,546,818 3,992,978,986
(TPlnt) April 29, 1994 Investment in shares of stock
PT Pratama Mitra Sejati (PMS)*) 15 Januari 1990/ Jakarta Real estate, persewaan, 99.99% 99.99% 2,764,174,694 2,475,050,589
January 15, 1990 pengembangan dan jasa servis
real estate, perdagangan/
Real estate, rental, real estate
and services development,
trading
TRB (London) Limited (TRB)*) 16 Februari 1987/ London Broker dan konsultan reasuransi/ 100.00% 100.00% -- 692,537
February 16, 1987 Brokerage and reinsurance
consultancy
Tugu Insurance Company 15 Desember 1965/ Hong Kong Asuransi kerugian/ 100.00% 100.00% 2,606,009,997 2,546,789,784
Limited (TIC)**) December 15, 1965 General insurance
PT Synergy Risk Management 23 Januari 1995/ Jakarta Manajemen risiko, surveyor dan 99.90% 99.90% 53,761,521 62,352,335
Consultants*) January 23, 1995 penilai/
Risk management, surveyor
and valuation
PT Tugu Reasuransi Indonesia 2 April 1987/ Jakarta Reasuransi/ Reinsurance 50.74% 50.74% 5,942,450,745 5,901,020,745
(TRI)*) April 2, 1987
YHT & Company Limited, 23 Desember 1986/ Guernsey Broker dan konsultan reasuransi/ 0.00% 99.86% -- --
Guernsey (YHT) December 23, 1986 Brokerage and reinsurance
consultancy
Reksa dana GAP 20 April 2015/ Jakarta Investasi reksadana/ 100.00% 100.00% 56,516,804 55,077,828
Dana Kombinasi***) April 20, 2015 Investment in mutual fund
Reksa dana Terproteksi 30 September 2013/ Jakarta Investasi reksadana/ 100.00% 100.00% 90,454,013 90,184,540
Insight Terproteksi 2***) September 30, 2013 Investment in mutual fund
*) Pemilikan tidak langsung melalui entitas anak, TPInt *) Indirect ownership through subsidiary, TPInt
**) Pemilikan tidak langsung melalui entitas anak, TPInt, **) Indirect ownership through subsidiary,TPInt and direct
sebesar 72,5% dan pemilikan langsung sebesar 27,5% ownership of 27,5%
***) Pemilikan tidak langsung melalui entitas anak, TRI ***) Indirect ownership through subsidiary, TRI
Sesuai dengan Surat Keputusan Direktur According to decision letter of Finance
Keuangan Pertamina No. 330/H0000/2000 Director of Pertamina No. 330/H0000/2000
tanggal 7 Juli 2000 kepada Perseroan, TRB dated July 7, 2000 to the Company, TRB was
tidak lagi melakukan aktivitas normal usaha. no longer doing normal business activities.
1.e. Penyusunan dan penyelesaian laporan 1.e. Preparation and completion of the
keuangan konsolidasian consolidated financial statements
Laporan keuangan konsolidasian Grup The consolidated financial statements of the
disusun dan diotorisasi untuk diterbitkan oleh Group were prepared and authorized for
Direksi pada tanggal 28 Februari 2025. issuance by the Directors on
February 28, 2025.
2. Ikhtisar Kebijakan Akuntansi Material 2. Summary Of Material Accounting Policies
2.a. Pernyataan kepatuhan dan dasar 2.a. Statement of compliance and basis for
penyusunan laporan keuangan preparation of the consolidated financial
konsolidasian statements
Laporan keuangan konsolidasian telah The consolidated financial statements have
disusun dan disajikan sesuai dengan been prepared and presented in accordance
Standar Akuntansi Keuangan di Indonesia with Indonesian Financial Accounting
(“SAK”), yang mencakup Pernyataan Standards (“IFAS”), which comprise the
Standar Akuntansi Keuangan (”PSAK”) dan Statements of Financial Accounting Standards
Interpretasi Standar Akuntansi Keuangan (“SFAS”) and Interpretations to Financial
(”ISAK”) yang dikeluarkan oleh Dewan Accounting Standards (“IFAS”) issued by the
Standar Akuntansi Keuangan Ikatan Akuntan Financial Accounting Standards Board of the
Indonesia, serta Peraturan No. VIII.G.7 Indonesian Institute of Accountants, and Rule
Lampiran Keputusan Ketua BAPEPAM-LK No. VIII.G.7 Attachment of Chairman of
No. KEP-347/BL/2012 tanggal 25 Juni 2012 BAPEPAM-LK’s Decision No. KEP-
yang terdapat di dalam Peraturan dan 347/BL/2012 dated June 25, 2012 on the
10
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pedoman Penyajian dan Pengungkapan Regulations and the Guidelines on Financial
Laporan Keuangan yang diterbitkan oleh Statement Presentation and Disclosures
Badan Pengawas Pasar Modal dan issued by Capital Market and Financial
Lembaga Keuangan (“BAPEPAM-LK”), yang Institution Supervisory Agency (“BAPEPAM-
fungsinya dialihkan kepada Otoritas Jasa LK”), which function has been transferred to
Keuangan (“OJK”) sejak tanggal Financial Service Authority (“OJK”) starting on
1 Januari 2013. January 1, 2013.
Laporan keuangan konsolidasian disusun The consolidated financial statements have
berdasarkan harga perolehan, kecuali untuk been prepared under the historical cost
beberapa akun tertentu yang disajikan convention except for certain accounts which
berdasarkan penilaian lain seperti dijelaskan are presented on the basis of other
dalam kebijakan akuntansi masing-masing measurements, as stated in the respective
akun yang bersangkutan. Laporan keuangan accounting policies of the relevant accounts.
konsolidasian disusun berdasarkan The consolidated financial statements are
akuntansi berbasis akrual, kecuali laporan prepared under the accrual basis of
arus kas konsolidasian. accounting, except for the consolidated
statement of cash flows.
Laporan arus kas konsolidasian disusun The consolidated statement of cash flows are
menggunakan metode langsung dengan prepared using the direct method with cash
mengelompokkan arus kas dalam aktivitas flows classified into operating, investing, and
operasi, investasi, dan pendanaan. financing activities.
Seluruh angka dalam laporan keuangan Figures in the consolidated financial
konsolidasian ini, disajikan dalam ribuan statements are expressed in thousand Rupiah,
Rupiah, kecuali dinyatakan lain. unless otherwise stated.
Pos-pos dalam Penghasilan Komprehensif The items under Other Comprehensive
Lain (“PKL”) disajikan terpisah antara akun- Income (“OCI”) are presented separately
akun yang akan direklasifikasikan ke laba between items to be reclassified to profit or
rugi dan akun-akun yang tidak akan loss and items not to be reclassified to profit or
direklasifikasikan ke laba rugi. loss.
Kebijakan akuntansi signifikan telah The accounting policies were consistently
diterapkan secara konsisten dalam applied in the preparation of the consolidated
penyusunan laporan keuangan financial statements to all years presented,
konsolidasian terhadap seluruh tahun yang unless otherwise stated.
disajikan, kecuali jika dinyatakan lain.
2.b. Prinsip konsolidasi 2.b. Principles of consolidation
Laporan keuangan konsolidasian meliputi The consolidated financial statements include
laporan keuangan Perseroan dan entitas the financial statements of the Company and
anaknya seperti yang disebutkan pada its subsidiaries mentioned in Note 1d in which
Catatan 1d yang dimiliki oleh Perseroan the Company has control.
dengan kepemilikan kontrol.
Seluruh transaksi, saldo dan keuntungan All intercompany transactions, balances and
atau kerugian (termasuk keuntungan atau gains or losses (including unrealized gains or
kerugian yang belum direalisasi) antar losses) between the entities in the Company
entitas dalam Perseroan dieliminasi. are eliminated.
Laporan keuangan konsolidasian disusun The consolidated financial statements are
dengan menggunakan kebijakan akuntansi prepared using uniform accounting policies for
yang sama untuk peristiwa dan transaksi transactions and events in similar
sejenis dalam kondisi yang sama. Apabila circumstances. If the subsidiaries’ financial
laporan keuangan entitas anak statements use different accounting policies
menggunakan kebijakan akuntansi yang different from those adopted in the
11
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
berbeda dari kebijakan akuntansi yang consolidated financial statements, appropriate
digunakan dalam laporan keuangan adjustments are made to the subsidiaries’
konsolidasian, maka dilakukan penyesuaian financial statements.
yang diperlukan terhadap laporan keuangan
entitas anak tersebut.
Entitas Anak dikonsolidasikan secara penuh Subsidiaries are fully consolidated from the
sejak tanggal akuisisi, yaitu tanggal date of acquisition, being the date on which the
Perseroan memeroleh pengendalian, sampai Company obtained control, and continue to be
dengan tanggal entitas induk kehilangan consolidated until the date such control
pengendalian. Pengendalian dianggap ada ceases. Control is presumed to exist if the
ketika Perseroan memiliki, secara langsung Company owns, directly or indirectly through a
atau tidak langsung melalui entitas anak, subsidiary, more than half of the voting rights
lebih dari setengah hak suara entitas. of an entity.
Pengendalian diperoleh ketika Perseroan Control is achieved when the Company is
terekspos, atau memiliki hak atas imbal hasil exposed, or has rights, to variable returns from
variabel dari keterlibatannya dengan its involvement with the investee and has the
investee dan memiliki kemampuan untuk ability to affect those returns through its power
mempengaruhi imbal hasil tersebut melalui over the investee. Specifically, the Company
kekuasaannya atas investee. Secara controls an investee if, and only if, the
khusus, Perseroan mengendalikan investee Company has all of the following:
jika, dan hanya jika, Perseroan memiliki
seluruh hal berikut ini:
i. kekuasaan atas investee, yaitu hak i. power over the investee, which is
yang ada saat ini yang memberi existing rights that give the parent
entitas induk kemampuan kini untuk current ability to direct the relevant
mengarahkan aktivitas relevan dari activities of the investee;
investee;
ii. eksposur atau hak atas imbal hasil ii. exposure, or rights, to variable returns
variabel dari keterlibatannya from its involvement with the investee;
dengan investee; dan and
iii. kemampuan untuk menggunakan iii. the ability to use its power over the
kekuasaannya atas investee untuk investee to affect its returns.
mempengaruhi jumlah imbal hasil.
Umumnya, ada dugaan bahwa mayoritas Generally, there is a presumption that majority
hak suara menghasilkan pengendalian. of voting rights results in control. To support
Untuk mendukung anggapan ini dan bila this presumption and when the parent has less
entitas induk memiliki kurang dari mayoritas than a majority of the voting or similar rights of
hak suara atau hak serupa dari investee, an investee, the parent considers all relevant
entitas induk mempertimbangkan semua facts and circumstances in assessing whether
fakta dan keadaan yang relevan dalam it has power over an investee, including:
menilai apakah entitas induk memiliki kuasa
atas investee, termasuk:
i. pengaturan kontraktual dengan i. the contractual arrangement with the
pemilik hak suara lainnya dari other vote holders of the investee;
investee;
ii. hak yang timbul atas pengaturan ii. rights arising from other contractual
kontraktual lain; dan arrangements;, and
iii. hak suara dan hak suara potensial iii. the parent's voting rights and potential
yang dimiliki entitas induk. voting rights.
Dalam hal pengendalian terhadap entitas Where a subsidiary, if any, either began or
anak dimulai atau diakhiri dalam suatu ceased to be controlled during the period, the
periode berjalan, maka hasil usaha entitas result of operations of that subsidiary is
anak yang diperhitungkan ke dalam laporan included in the consolidated financial
12
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
keuangan konsolidasian hanya sebatas hasil statements only from the date that the control
pada saat pengendalian tersebut mulai has commenced or up to the date that the
diperoleh atau hingga saat pengendalian itu control has ceased.
berakhir.
Seluruh laba rugi dan setiap komponen Profit or loss and each component of other
penghasilan komprehensif lain diatribusikan comprehensive income are attributed to the
kepada pemilik entitas induk dan pada equity holders of the parent of the Company
kepentingan non pengendali (“KNP”), and to the non-controlling interests (“NCI”),
walaupun hal ini akan menyebabkan saldo even if this results in the NCI having a deficit
KNP yang defisit. balance.
Perubahan dalam bagian kepemilikan entitas A change in the parent’s ownership interest in
induk pada entitas anak yang tidak a subsidiary, without a loss of control, is
mengakibatkan hilangnya pengendalian, accounted as an equity transaction. If the
dicatat sebagai transaksi ekuitas. Bila Company loses control over a subsidiary, it
kehilangan pengendalian atas suatu entitas derecognizes the related assets (including
anak, maka Perseroan menghentikan goodwill), liabilities, NCI and other
pengakuan atas aset (termasuk goodwill), components of equity, while the difference is
liabilitas, serta KNP dan komponen lain dari recognized in the profit or loss. Any
ekuitas terkait, dan selisihnya diakui pada investment retained is recognized at fair value.
laba rugi. Bagian dari investasi yang tersisa
diakui pada nilai wajar.
Investasi pada reksadana Investments in mutual funds
Grup mempunyai investasi di entitas The Group has invested in a number of special
bertujuan khusus yaitu reksadana. purpose entities such as mutual funds. The
Kepemilikan Grup dapat berfluktuasi dari Group’s percentage of ownership may fluctuate
hari ke hari sesuai dengan partisipasi Grup from day to day according to the Group’s
di entitas tersebut. participation in the mutual funds.
Grup mengonsolidasikan reksadana di The Group consolidates mutual fundswhich the
mana Grup memiliki unit penyertaan lebih group owns more than 50% of total fund units
dari 50% dari unit penyertaan yang issued and has direct or indirect control over
diterbitkan serta mempunyai pengendalian the respective mutual funds.
secara langsung atau tidak langsung
terhadap reksadana tersebut.
Pada tanggal pelaporan, Grup menyajikan As of the reporting date, the Group presents
reksadana yang dikonsolidasikan the consolidated mutual funds based on the
berdasarkan underlying assets atas mutual funds’ underlying assets directly held
reksadana yang dimiliki Grup. by the Group.
2.c. Kombinasi bisnis 2.c. Business combination
Kombinasi bisnis dicatat dengan Business combinations are accounted for
menggunakan metode akuisisi. Biaya using the acquisition method. The cost of an
perolehan dari sebuah akuisisi diukur pada acquisition is measured as the aggregate of
nilai agregat imbalan yang dialihkan, diukur the consideration transferred, measured at
pada nilai wajar pada tanggal akuisisi dan acquisition date fair value and the amount of
jumlah setiap KNP pada pihak yang any NCI in the acquiree. For each business
diakuisisi. Untuk setiap kombinasi bisnis, combination, the acquirer measures the NCI in
pihak pengakuisisi mengukur KNP pada the acquiree either at fair value or at the
entitas yang diakuisisi baik pada nilai wajar proportionate share of the acquiree’s
ataupun pada proporsi kepemilikan KNP identifiable net assets. Acquisition costs
atas aset neto yang teridentifikasi dari incurred are directly expensed and included in
entitas yang diakuisisi. Biaya-biaya akuisisi administrative expenses.
yang timbul dibebankan langsung dan
disertakan dalam beban-beban administrasi.
13
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ketika melakukan akuisisi atas sebuah When the Group acquires a business, it
bisnis, Grup mengklasifikasikan dan classifies and determines the financial assets
menentukan aset keuangan yang diperoleh acquired and liabilities assumed based on the
dan liabilitas keuangan yang diambil alih contractual terms, economic circumstances,
berdasarkan pada persyaratan kontraktual, and pertinent conditions as at the acquisition
kondisi ekonomi, dan kondisi terkait lain date.
yang ada pada tanggal akuisisi.
Dalam suatu kombinasi bisnis yang In the business combination which is achieved
dilakukan secara bertahap, pihak in stages, the acquirer remeasures the
pengakuisisi mengukur kembali kepentingan previously held equity interest at the
ekuitas yang dimiliki sebelumnya pada pihak acquisition date fair value and recognizes gain
yang diakuisisi pada nilai wajar tanggal or loss which is generated in consolidated
akuisisi dan mengakui keuntungan atau statements of profit or loss and other
kerugian yang dihasilkan dalam laporan laba comprehensive income.
rugi dan penghasilan komprehensif lain
konsolidasian.
Pada tanggal akuisisi, goodwill awalnya At acquisition date, goodwill is initially
diukur pada harga perolehan yang measured at cost that is being the excess of
merupakan selisih lebih nilai agregat dari the aggregate of the consideration transferred
imbalan yang dialihkan dan jumlah setiap and the amount recognized for NCI over the
KNP atas selisih jumlah dari aset net identifiable assets acquired and liabilities
teridentifikasi yang diperoleh dan liabilitas assumed. If this consideration is lower than
yang diambil alih. Jika imbalan tersebut the fair value of the net assets of the
kurang dari nilai wajar aset neto entitas anak subsidiary acquired, the difference is
yang diakuisisi, selisih tersebut diakui dalam recognized in the consolidated statements of
laporan laba rugi dan penghasilan profit or loss and other comprehensive income
komprehensif lain konsolidasian sebagai as gain on bargain purchase after previously
keuntungan dari pembelian dengan diskon assessing the identification and fair value
setelah sebelumnya manajemen menilai measurement of the acquired assets and the
kembali identifikasi dan nilai wajar dari aset assumed liabilities.
yang diperoleh dan liabilitas yang diambil
alih.
Setelah pengakuan awal, goodwill diukur After initial recognition, goodwill is measured
pada jumlah tercatat dikurangi akumulasi at cost less any accumulated impairment
kerugian penurunan nilai. Untuk tujuan uji losses. For the purpose of impairment testing,
penurunan nilai, goodwill yang diperoleh dari goodwill which is acquired in a business
suatu kombinasi bisnis, sejak tanggal combination, from the acquisition date,
akuisisi dialokasikan kepada setiap Unit allocated to each of the Group’s Cash-
Penghasil Kas (“UPK”) dari Grup yang Generating Units (“CGU”) that are expected to
diharapkan akan bermanfaat dari sinergi benefit from the combination, irrespective of
kombinasi tersebut, terlepas dari apakah whether other assets or liabilities of the
aset atau liabilitas lain dari pihak yang acquiree are assigned to those CGUs.
diakuisisi ditetapkan atas UPK tersebut.
Jika goodwill telah dialokasikan pada suatu Where goodwill forms part of a CGU and part
UPK dan operasi tertentu atas UPK tersebut of the operation within that CGU is disposed
dihentikan, maka goodwill yang of, the goodwill associated with the operation
diasosiasikan dengan operasi yang disposed of is included in the carrying amount
dihentikan tersebut termasuk dalam jumlah of the operation when determining the gain or
tercatat operasi tersebut ketika menentukan loss on disposal of the operation. Goodwill
keuntungan atau kerugian dari pelepasan. disposed of in this circumstance is measured
Goodwill yang dilepaskan tersebut diukur based on the relative values of the operation
berdasarkan nilai relatif operasi yang disposed of and the portion of the CGU
dihentikan dan porsi UPK yang ditahan. retained.
14
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2.d. Pernyataan dan Interpretasi Standar 2.d. New and Revised Statements and
Akuntansi Baru dan Revisi yang Berlaku Interpretation of Financial Accounting
Efektif pada Tahun Berjalan Standards Effective in the Current Year
Berikut amendemen dan penyesuaian atas The following are amendment and
standar yang berlaku efektif untuk periode improvements to standards which effective for
yang dimulai pada atau setelah 1 Januari periods beginning on or after January 1, 2023,
2024, dengan penerapan dini diperkenankan with early adoption is permitted, are as
yaitu: follows:
- Amendemen PSAK 116: Sewa tentang - Amendments PSAK 116: Leases regarding
Liabilitas Sewa dalam Jual dan Sewa Lease Liability in Sale and Leaseback;
Balik;
- Amendemen PSAK 201: Penyajian - Amendments PSAK 201: Presentation of
Laporan Keuangan tentang Klasifikasi Financial Statements regarding
Liabilitas sebagai Jangka Pendek atau Classification of Liabilities as Current or
Jangka Panjang; Noncurrent;
- Amendemen PSAK 201: Penyajian - Amendments PSAK 201: Presentation of
Laporan Keuangan Tentang Liabilitas Financial Statements related to
Jangka Panjang dengan Kovenan; Noncurrent Liabilities with Covenants;
- Amendemen PSAK 207: Laporan Arus - Revised PSAK 207: Statement of Cash
Kas dan Amendemen PSAK 107: Flows and Amendements PSAK 107:
Instrumen Keuangan: Pengungkapan Financial Statement: Discloure regarding
tentang Pengaturan Pembiayaan Supplier Finance Arrangements; and
Pemasok; dan
- Revisi PSAK 409: Akuntansi Zakat, Infak, - Revision PSAK 409: Accounting for Zakat,
dan Sedekah dan Revisi PSAK 401: Infaq, dan Shadaqah and Revision PSAK
Penyajian Laporan Keuangan Syariah. 401: Presentation of Sharia Financial
Statements.
Implementasi standar-standar tersebut tidak The implementation of the above standards
memiliki dampak yang signifikan terhadap had no significant effect on the amounts
jumlah yang dilaporkan di periode berjalan reported for the current period or prior financial
atau tahun sebelumnya. year.
2.e. Penjabaran mata uang asing 2.e. Foreign currency translation
Mata uang pelaporan Reporting currency
Laporan keuangan konsolidasian disajikan The consolidated financial statements are
dalam Rupiah. presented in Indonesian Rupiah.
Transaksi dan saldo Transactions and balances
Transaksi dalam mata uang lain dijabarkan Other currencies transactions are translated
ke dalam mata uang Rupiah dengan into Indonesian Rupiah using the exchange
menggunakan kurs yang berlaku pada rates prevailing at the dates of the
tanggal transaksi atau penilaian. transactions or valuation where items are
Keuntungan atau kerugian dari selisih kurs remeasured. Exchange gains or losses
yang timbul dari penyelesaian transaksi resulting from the settlement of such
dalam mata uang lain dan dari penjabaran transactions in other currencies and from the
aset dan liabilitas moneter dalam mata uang translation of monetary assets and liabilities
lain diakui di dalam laba rugi konsolidasian. denominated in other currencies are
recognized in consolidated profit or loss.
Untuk tujuan penyajian laporan keuangan For consolidation purposes, assets and
konsolidasian, aset dan liabilitas entitas anak liabilities of subsidiaries who’s reported not
yang tidak disajikan dalam Rupiah pada using Rupiah at reporting date are translated
tanggal pelaporan dijabarkan menjadi into Rupiah using the exchange rates
Rupiah dengan menggunakan kurs yang prevailing at that date, while revenues and
berlaku pada tanggal tersebut, sedangkan expenses are translated at the average
pendapatan dan beban dijabarkan dengan exchange rates for the year. The resulting
15
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
menggunakan kurs rata-rata untuk tahun translation adjustments are shown as part of
yang bersangkutan. Selisih kurs yang terjadi equity under the "Translation Adjustments"
disajikan sebagai bagian dari ekuitas pada account. The exchange rate used are the
akun “Selisih Kurs Penjabaran Laporan Bank Indonesia middle rates.
Keuangan”. Kurs nilai tukar yang digunakan
adalah kurs tengah Bank Indonesia.
2024 2023
Rp Rp
1 Dolar Amerika Serikat (USD) 16,157 15,416 1 United Stated Dollar (USD)
1 Dolar Hong Kong (HKD) 2,082 1,973 1 Hong Kong Dollar (HKD)
1 Poundsterling Inggris (GBP) 20,332 19,760 1 Great British Pounds (GBP)
100 Yen Jepang (JPY) 10,236 10,955 100 Japan Yen (JPY)
1 Euro (EUR) 16,851 17,140 1 Euro (EUR)
1 Chinese Yuan (CNY) 2,214 2,170 1 Chinese Yuan (CNY)
1 Korean Won (KRW) 11 12 1 Korean Won (KRW)
1 Singapore Dollar (SGD) 11,919 11,712 1 Singapore Dollar (SGD)
1 Indian Rupee (INR) 190 185 1 Indian Rupee (INR)
2.f. Instrumen keuangan 2.f. Financial instruments
I. Aset keuangan I. Financial assets
Grup mengklasifikasikan aset The Group classifies its financial assets in
keuangannya dalam kategori aset the following categories of financial
keuangan yang diukur pada nilai wajar assets at fair value through profit or loss,
melalui laba rugi, pinjaman yang loans and receivables, held-to-maturity
diberikan dan piutang, aset keuangan financial assets, and available-for-sale
yang dimiliki hingga jatuh tempo, dan financial assets. The classification
aset keuangan tersedia untuk dijual. depends on the purpose for which the
Klasifikasi ini tergantung dari tujuan financial assets were acquired.
perolehan aset keuangan tersebut. Management determines the
Manajemen menentukan klasifikasi classification of its financial assets at
aset keuangan tersebut pada saat awal initial recognition.
pengakuannya.
Aset keuangan diakui apabila Grup Financial assets are recognized when the
memiliki hak kontraktual untuk Group has a contractual right to receive
menerima kas atau aset keuangan cash or other financial assets from other
lainnya dari entitas lain. Seluruh entities. All purchases or sales of financial
pembelian atau penjualan aset assets in regular way are recognized
keuangan secara reguler diakui dengan using trade date accounting. Trade date
menggunakan akuntansi tanggal is the date when the Group has a
transaksi yaitu tanggal di mana Grup commitment to purchase or sell a
berketetapan untuk membeli atau financial asset.
menjual suatu aset keuangan.
Aset keuangan yang diukur pada nilai Financial assets at fair value through
wajar melalui laba rugi profit or loss
Aset keuangan diklasifikasikan dalam A financial asset is classified as fair value
kelompok nilai wajar melalui laba rugi through profit or loss if it is acquired or
jika diperoleh atau dimiliki terutama incurred principally for the purpose of
untuk tujuan dijual atau dibeli kembali selling or repurchasing it in the near term
dalam waktu dekat atau jika merupakan or if it is part of a portfolio of identified
bagian dari portofolio instrumen financial instruments that are managed
keuangan tertentu yang dikelola together and for which there is evidence
bersama dan terdapat bukti mengenai of a recent actual pattern of short-term
pola ambil untung dalam jangka pendek profit taking.
(short-term profit taking) yang terkini.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Instrumen keuangan yang Financial instruments included in this
dikelompokkan ke dalam kategori ini category are recognized initially at fair
diakui pada nilai wajarnya pada saat value; transaction costs (if any) are taken
pengakuan awal; biaya transaksi (jika directly to the consolidated profit or loss.
ada) diakui secara langsung ke dalam Gains or losses arising from changes in
laba rugi konsolidasian. Keuntungan fair value and sales of these financial
atau kerugian yang timbul dari instruments are included directly in the
perubahan nilai wajar dan penjualan account “Investment Income” in the
instrumen keuangan ini diakui di dalam consolidated profit or loss and are
akun “Pendapatan Investasi” dalam reported respectively as Unrealized
laba rugi konsolidasian dan dicatat gain/(loss) on changes in fair value of
masing-masing sebagai Keuntungan/ marketable securities and “Gains/(losses)
(kerugian) yang belum direalisasi dari on disposal of investments”.
perubahan nilai wajar efek dan
“Keuntungan/(kerugian) pelepasan
investasi”.
Pendapatan bunga dari aset keuangan Interest income on financial instruments
dalam klasifikasi ini diakui di laba rugi in this category are recognized in the
konsolidasian sebagai “Pendapatan consolidated profit or loss as “Investment
investasi”. Pendapatan investasi diakui income”. Investment income is
dengan basis akrual. recognized on accrual basis. Foreign
Keuntungan/(kerugian) selisih kurs atas exchange gains/(losses) on investments
investasi dilaporkan sebagai bagian are also reported as part of in investment
dari pendapatan investasi. income.
Aset keuangan tersedia untuk dijual Available-for-sale financial assets
Aset keuangan dalam kelompok Available-for-sale financial assets are
tersedia untuk dijual adalah aset non-derivative financial assets that are
keuangan non-derivatif yang ditetapkan intended to be held for an indefinite
untuk dimiliki untuk jangka waktu yang period of time, which may be sold in
tidak dibatasi dimana akan dijual dalam response to the need for liquidity or in
rangka pemenuhan likuiditas atau response to changes in interest rates,
perubahan suku bunga, valuta asing, foreign exchange rates, or those that are
atau yang tidak diklasifikasikan sebagai not classified as loans and receivables,
pinjaman yang diberikan atau piutang, held-to-maturity financial assets or
dimiliki hingga jatuh tempo atau aset financial assets at fair value through profit
keuangan yang diukur pada nilai wajar or loss.
melalui laba rugi.
Pada saat pengakuan awalnya, aset Available-for-sale financial assets are
keuangan tersedia untuk dijual diakui initially recognized at fair value, plus
pada nilai wajarnya ditambah biaya transaction costs, and measured
transaksi dan selanjutnya diukur pada subsequently at fair value with gains and
nilai wajarnya di mana keuntungan atau losses being recognized in other
kerugian diakui pada penghasilan comprehensive income (as part of equity),
komprehensif lain (yang merupakan except for impairment losses and foreign
bagian dari ekuitas), kecuali untuk exchange gains and losses, until the
kerugian penurunan nilai dan financial assets is derecognized. If an
keuntungan kerugian selisih kurs, available-for-sale financial asset is
hingga aset keuangan dihentikan determined to be impaired, the
pengakuannya. Jika aset keuangan cumulative gain or loss previously
tersedia untuk dijual mengalami recognized in equity is recognized in the
penurunan nilai, akumulasi laba atau consolidated profit or loss.
rugi yang sebelumnya diakui di ekuitas,
diakui pada laba rugi konsolidasian.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pendapatan bunga dihitung Interest income is calculated using the
menggunakan metode suku bunga effective interest method and foreign
efektif dan keuntungan atau kerugian exchange gains or losses of available-for-
yang timbul dari investasi tersedia sale investments are recognized in the
untuk dijual akibat perubahan nilai tukar consolidated profit or loss.
diakui pada laba rugi konsolidasian.
Pinjaman yang diberikan dan piutang Loans and receivables
Pinjaman yang diberikan dan piutang Loans and receivables are non-derivative
adalah aset keuangan non-derivatif financial assets with fixed or determinable
dengan pembayaran tetap atau telah payments that are not quoted in an active
ditentukan dan tidak mempunyai market, other than:
kuotasi di pasar aktif, kecuali:
- yang dimaksudkan oleh Grup untuk - those that the Group intends to sell
dijual dalam waktu dekat, yang immediately or in the short term, which
diklasifikasikan dalam kelompok are classified as held for trading, and
diperdagangkan, serta yang pada those that the entity upon initial
saat pengakuan awal ditetapkan recognition designates as at fair value
sebagai diukur pada nilai wajar through profit or loss;
melalui laba rugi;
- yang pada saat pengakuan awal - those that upon initial recognition
ditetapkan dalam kelompok tersedia designates as available-for-sale; and
untuk dijual; dan
- dalam hal Grup mungkin tidak akan - those for which the Group may not
memperoleh kembali investasi awal recover substantially all of its initial
secara substansial kecuali yang investment, other than the deterioration
disebabkan oleh penurunan kualitas of loans and receivables.
pinjaman yang diberikan dan piutang.
Pada saat pengakuan awal, pinjaman Loans and receivables are initially
yang diberikan dan piutang diakui pada recognized at fair value plus transaction
nilai wajarnya ditambah biaya transaksi costs (if any) and subsequently measured
(jika ada) dan selanjutnya diukur pada at amortized cost using the effective
biaya perolehan diamortisasi dengan interest rate method. Interest income on
menggunakan metode suku bunga financial assets classified as loans and
efektif. Pendapatan bunga dari aset receivables (time deposits) is included in
keuangan yang diklasifikasi sebagai the investment income.
pinjaman yang diberikan dan piutang
(deposito berjangka) dicatat di dalam
pendapatan investasi.
Pengakuan Recognition
Grup menggunakan akuntansi tanggal The Group uses trade date accounting for
perdagangan untuk kontrak reguler regular way contracts when recording
ketika mencatat transaksi aset financial assets transactions.
keuangan.
Penurunan nilai dari aset keuangan Impairment of financial assets
Pada setiap tanggal pelaporan The Group assesses at each reporting
keuangan, Grup mengevaluasi apakah date whether there is objective evidence
terdapat bukti yang objektif bahwa aset that a financial asset or group of financial
keuangan atau kelompok aset assets is impaired. A financial assets or a
keuangan mengalami penurunan nilai. group of financial assets is impaired and
Aset keuangan atau kelompok aset impairment losses are incurred if and only
keuangan diturunkan nilainya dan if there is objective evidence of
kerugian penurunan nilai telah terjadi, impairment as a result of one or more
jika dan hanya jika, terdapat bukti yang events that occurred after the initial
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
objektif mengenai penurunan nilai recognition of the asset (a loss event) and
tersebut sebagai akibat dari satu atau that loss event has an impact on the
lebih peristiwa yang terjadi setelah estimated future cash flows of the
pengakuan awal aset tersebut financial asset or group of financial assets
(peristiwa yang merugikan), dan that can be reliably estimated.
peristiwa yang merugikan tersebut
berdampak pada estimasi arus kas
masa depan atas aset keuangan atau
kelompok aset keuangan yang dapat
diestimasi secara andal.
Kesulitan keuangan yang dialami Significant financial difficulties of the
debitur, kemungkinan debitur akan debtors, probability that the debtors will
bangkrut, atau kegagalan atau enter into bankruptcy and default, or
penundaan pembayaran angsuran delinquency in payments can be
dapat dipertimbangkan sebagai indikasi considered as indicators that the
adanya penurunan nilai atas piutang receivable is impaired. The Group first
tersebut. Grup pertama kali assesses whether objective evidence of
menentukan apakah terdapat bukti impairment exists individually for
objektif penurunan nilai secara receivables. Allowance for impairment
individual atas piutang yang diberikan. losses on impaired receivable are
Penyisihan kerugian penurunan nilai assessed individually.
atas piutang yang diberikan yang
mengalami penurunan nilai dihitung
secara individual.
Dalam hal terjadi penurunan nilai, In case of impairment, the impairment of
kerugian penurunan nilai dilaporkan loss is reported as a deduction from the
sebagai pengurang dari nilai tercatat carrying value of the financial assets
dari aset keuangan dalam kelompok classified as loans and receivables and
pinjaman yang diberikan dan piutang, recognized in the consolidated profit or
dan diakui di dalam laba rugi loss as “Allowance for impairment
konsolidasian sebagai “Penyisihan losses”.
kerugian penurunan nilai”.
II. Liabilitas keuangan II. Financial liabilities
Grup mengklasifikasikan liabilitas The Group classified its financial liabilities
keuangan hanya dalam satu kategori, only in one category, which is financial
yaitu liabilitas keuangan yang diukur liabilities measured at amortized cost, as
dengan biaya perolehan diamortisasi, the Group does not have financial
dikarenakan Grup tidak memiliki liabilities classified as fair value through
liabilitas keuangan yang diukur pada profit or loss.
nilai wajar melalui laba rugi.
Liabilitas keuangan yang diukur dengan Financial liabilities at amortized cost
biaya perolehan diamortisasi
Pada saat pengakuan awal, liabilitas Financial liabilities at amortized cost are
keuangan yang diukur dengan biaya initially recognized at fair value less
perolehan diamortisasi diukur pada nilai transactions cost (if any).
wajar dikurangi biaya transaksi (jika
ada).
Setelah pengakuan awal, Grup After initial recognition, the Group
mengukur seluruh liabilitas keuangan measures all financial liabilities at
yang diukur dengan biaya perolehan amortized cost using effective interest
diamortisasi dengan menggunakan rate method.
metode suku bunga efektif.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
III. Penghentian pengakuan III. Derecognition
Penghentian pengakuan aset keuangan Financial assets are derecognized when
dilakukan ketika hak kontraktual atas the contractual rights to receive the cash
arus kas yang berasal dari aset flows from these assets have ceased to
keuangan tersebut berakhir, atau ketika exist or the assets have been transferred
aset keuangan tersebut telah ditransfer and substantially all the risks and rewards
dan secara substansial seluruh risiko of ownership of the assets are also
dan manfaat atas kepemilikan aset transferred (if substantially all the risks
tersebut telah ditransfer (jika secara and rewards have not been transferred,
substansial seluruh risiko dan manfaat then the Group tests control to ensure
tidak ditransfer, maka Grup melakukan that continuing involvement on the basis
evaluasi untuk memastikan keterlibatan of any retained powers of control does
berkelanjutan atas kendali yang masih not prevent derecognition). Financial
dimiliki tidak mencegah penghentian liabilities are derecognized when they
pengakuan). Liabilitas keuangan have been redeemed or expired.
dihentikan pengakuannya ketika
liabilitas telah dilepaskan atau
dibatalkan atau kedaluwarsa.
IV. Klasifikasi instrumen keuangan IV. Classification of financial instrument
Grup mengklasifikasikan instrumen The Group classifies the financial
keuangan ke dalam klasifikasi tertentu instruments into classes that reflect the
yang mencerminkan sifat dari informasi nature of information and take into
dan mempertimbangkan karakteristik account the characteristic of those
dari instrumen keuangan tersebut. financial instruments. The classification
Klasifikasi ini dapat dilihat pada tabel can be seen in the table below:
berikut:
Kategori yang didefinisikan oleh Golongan (ditentukan
PSAK 239 (Revisi 2014)/ oleh Grup)/
Category as defined by Class (as determined Sub-golongan/
PSAK 239 (Revised 2014) by the Group) Sub-classes
Aset keuangan/ Aset keuangan yang Efek-efek/ Saham/Shares
Financial assets diukur pada nilai wajar Marketable securities Obligasi/Bonds
melalui laba rugi/ Reksadana/Mutual funds
Financial assets at
fair value through profit or loss
Aset keuangan yang Efek-efek/ Saham/ Shares
tersedia untuk dijual/ Marketable securities Obligasi/ Bonds
Available-for-sale Reksadana/ Mutual funds
Financial assets Penyertaan langsung/ Direct participations
Investasi pada entitas asosiasi/ Investment in associates
Pinjaman yang diberikan dan piutang/ Kas dan bank/ Cash on hand and in banks
Loans and receivables Deposito berjangka/Time deposits
Piutang premi dan sesi/ Premium and cession receivables
Piutang koasuransi/ Coinsurance receivables
Piutang reasuransi dan retrosesi/ Reinsurance and retrocession receivables
Piutang lain-lain/ Other receivables
Biaya dibayar di muka dan uang muka/ Prepaid expenses and advances
Aset lain-lain/ Other assets Uang jaminan/ Refundable Deposits
Liabilitas Liabilitas keuangan yang Utang reasuransi dan retrosesi/ Reinsurance and retrocession payables
keuangan/ diukur dengan biaya Utang komisi/ Commissions payables
Financial perolehan diamortisasi/ Utang koasuransi/ Coinsurance payables
liabilities Financial liabilities at Utang klaim/ Claims payables
amortized cost Utang lain-lain/ Other payables
Pinjaman diterima/ Borrowings
Utang pembiayaan konsumen dan sewa pembiayaan/ Consumer finance and leases payables
Beban akrual/ Accrued expenses
V. Saling hapus instrumen keuangan V. Offsetting financial instruments
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset
saling hapus disajikan dalam laporan and the net amount presented in the
posisi keuangan konsolidasian jika consolidation statement of financial
memiliki hak yang berkekuatan hukum position when there is a legally
20
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
untuk melakukan saling hapus buku enforceable right to offset the recognized
atas jumlah yang telah diakui tersebut amounts and settle the liability
dan berniat untuk menyelesaikan simultaneously.
secara neto atau untuk merealisasikan
aset dan menyelesaikan liabilitasnya
secara simultan.
Hak yang berkekuatan hukum berarti: This means that the right to set off:
a. tidak terdapat kontinjensi di masa a. must not be contingent on future
yang akan datang; dan event; and
b. yang berkekuatan hukum pada b. must be legally enforceable in all of
kondisi-kondisi berikut ini: the following circumstances:
i. kegiatan bisnis normal; i. the normal course of the
business;
ii. kondisi kegagalan usaha; dan ii. the event of default; and
iii. kondisi gagal bayar atau iii. the event of insolvency or
bangkrut. bankruptcy.
VI. Pengukuran nilai wajar VI. Fair value measurement
Nilai wajar untuk instrumen keuangan The fair value of financial instruments
yang diperdagangkan di pasar yang traded in active markets is determined
aktif ditentukan berdasarkan kuotasi based on quoted market prices at the
pasar aktif dari sumber yang handal consolidated statement of financial
pada tanggal laporan posisi keuangan position date from credible sources. This
konsolidasian. Kuotasi pasar aktif ini includes broker’s quoted price from IBPA,
termasuk yang berasal dari harga Bloomberg, and Reuters.
kuotasi broker dari IBPA, Bloomberg,
dan Reuters.
Instrumen keuangan dianggap memiliki A financial instrument is regarded as
kuotasi pasar aktif, jika harga kuotasi quoted in an active market if quoted
tersedia sewaktu-waktu dan dapat prices are readily and regularly available
diperoleh secara rutin dari bursa, from an exchange, dealer, broker,
pedagang efek (dealer), perantara efek industry group, pricing service or
(broker), kelompok industri, badan regulatory agency, and those prices
pengawas (pricing service or regulatory represent actual and regularly occurring
agency), dan harga tersebut market transactions on an arm’s length
mencerminkan transaksi pasar yang basis.
aktual dan rutin dalam suatu transaksi
yang wajar.
Jika kriteria di atas tidak terpenuhi, If the criterias above are not met, the
maka pasar aktif dinyatakan tidak market is regarded as being inactive.
tersedia. Indikasi-indikasi dari pasar Indications of inactive market are when
tidak aktif adalah terdapat selisih yang there is a wide bid-offer spread or
besar antara harga penawaran dan significant increase in the bid-offer spread
permintaan atau kenaikan signifikan or there are few recent transactions.
dalam selisih harga penawaran dan
permintaan atau hanya terdapat
beberapa transaksi terkini.
Untuk instrumen keuangan yang tidak For financial instruments with no quoted
mempunyai kuotasi harga pasar, market price, a reasonable estimate of
estimasi yang wajar ditetapkan dengan the fair value is determined by reference
mengacu pada nilai pasar terkini to the current market value of another
instrumen keuangan lain yang secara instrument which substantially have the
substansi memiliki karakteristik yang same characteristic or calculated based
sama atau dihitung berdasarkan on the expected cash flows discounted by
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
ekspektasi arus kas yang didiskonto relevant market rates.
dengan tingkat suku bunga pasar yang
relevan.
Grup menyajikan nilai wajar atas The Group presents the fair value of
instrumen keuangan berdasarkan financial instruments based on the
hierarki nilai wajar sebagai berikut: following fair value hierarchy:
- Tingkat 1 - nilai wajar berdasarkan - Level 1 - the fair value is based on
harga kuotasian (tidak disesuaikan) quoted prices (unadjusted) in active
dalam pasar aktif; markets;
- Tingkat 2 - nilai wajar yang - Level 2 - the fair value uses inputs other
menggunakan input selain harga than quoted prices included within Level
kuotasian yang termasuk dalam 1 that are observable, either directly (i.e.
Tingkat 1 yang dapat diobservasi, as prices) or indirectly (i.e. derived from
baik secara langsung (misalnya prices); and
harga) atau secara tidak langsung
(misalnya diperoleh dari harga); dan
- Tingkat 3 - nilai wajar yang - Level 3 - the fair value uses inputs that
menggunakan input yang bukan are not based on observable market
berdasarkan data pasar yang dapat data (unobservable inputs).
diobservasi (input yang tidak dapat di-
observasi).
Investasi reksadana dinyatakan pada Investment in mutual funds are stated at
nilai pasar berdasarkan nilai aset neto market value in accordance with its net
pada tanggal laporan posisi keuangan assets value at the consolidated
konsolidasian. statement of financial position date.
VII. Biaya perolehan yang diamortisasi VII. Amortized cost of financial
dari instrumen keuangan instruments
Biaya perolehan yang diamortisasi Amortized cost is computed using the
diukur dengan menggunakan metode effective interest rate method less any
suku bunga efektif dikurangi penyisihan allowance for impairment and principal
kerugian penurunan nilai dan repayment or reduction. The calculation
pembayaran atau pengurangan pokok. takes into account any premium or
Perhitungan ini mencakup seluruh discount on acquisition and includes
premi atau diskonto pada saat akuisisi transaction costs and fees that are an
dan mencakup biaya transaksi serta integral part of the effective interest rate.
komisi yang merupakan bagian tak
terpisahkan dari suku bunga efektif.
2.g. Kas dan bank 2.g. Cash on hand and in banks
Kas dan bank mencakup kas dan kas di Cash and banks include cash on hand and
bank, yang tidak dibatasi penggunaannya cash in banks, which are not restricted and
dan tidak digunakan sebagai jaminan atas pledged as collateral for any borrowing.
pinjaman.
2.h. Investasi 2.h. Investments
Deposito berjangka Time deposits
Deposito berjangka dicatat sebesar nilai Time deposits are stated at nominal value.
nominal.
Efek-efek Marketable securities
Efek-efek terdiri dari obligasi, saham, dan Marketable securities consist of bonds, shares
reksadana. Efek-efek diklasifikasikan atas and mutual funds. Marketable securities are
dasar tujuan investasi atau intensi dari classified based on the management’s
manajemen. Lihat Catatan 2f untuk purpose or intention of maintaining such
perlakuan akuntansi aset keuangan. instruments. Refer to Note 2f for the
accounting policy of financial assets.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Unit penyertaan reksadana disajikan Investments in mutual fund units are stated at
sebesar nilai asset neto. net asset value. Unrealized gain/loss due to
Keuntungan/kerugian belum direalisasi increase/decrease in net asset of mutual fund
akibat kenaikan/penurunan nilai aset neto is reflected in the consolidated profit or loss for
unit penyertaan reksadana disajikan dalam the year for mutual fund classified as financial
laba rugi konsolidasian tahun berjalan untuk assets at fair value through profit or loss, and
reksadana yang termasuk dalam klasifikasi in the other comprehensive income (as part of
aset keuangan yang diukur pada nilai wajar equity) for mutual fund classified as available-
melalui laba rugi, dan dalam penghasilan for-sale financial assets.
komprehensif lain (yang merupakan bagian
dari ekuitas) untuk reksadana yang termasuk
dalam klasifikasi aset keuangan yang
tersedia untuk dijual.
Grup memiliki investasi pada saham yang The Group has investment in shares which is
diklasifikasikan sebagai aset keuangan classified as available-for-sale financial
tersedia untuk dijual. Investasi ini dicatat assets. This investment is recorded at cost
sebesar harga perolehan karena kisaran because of the significant estimation range of
estimasi yang signifikan atas nilai wajar yang the realistic fair value and the probability of
realistis dan probabilitas berbagai estimasi various estimation could not be assessed
tidak dapat dinilai secara handal reliably and therefore the Group is unable to
mengakibatkan tidak memungkinkan bagi measure the investment in shares at its fair
Grup untuk melakukan pengukuran investasi value.
pada saham pada nilai wajarnya.
Bila terjadi penurunan nilai yang bersifat The carrying amount of the investments is
permanen, nilai tercatatnya dikurangi untuk written down to recognize a permanent decline
mengakui penurunan tersebut yang in value of the individual investments. Any
ditentukan untuk setiap investasi secara such write-down is charged directly to the
individu dan kerugiannya dibebankan pada current year’s consolidated profit or loss.
laba rugi konsolidasian tahun berjalan.
Dividen kas yang diterima atas investasi Cash dividend received from investment in
penyertaan saham diakui sebagai shares is recognized as “Investment income”.
“Pendapatan investasi”.
Lihat Catatan 2f untuk perlakuan akuntansi Refer to Note 2f for the accounting policy of
aset keuangan. financial assets.
Penyertaan langsung Direct participations
Penyertaan saham merupakan investasi Investment in shares represents long-term
jangka panjang pada perusahaan non-publik investment in non-publicly-listed companies.
yang terdaftar.
2.i. Properti investasi 2.i. Investment properties
Properti investasi adalah properti (tanah atau Investment properties are properties (land or a
bangunan atau bagian dari suatu bangunan building or part of a building or both) held to
atau keduanya) yang dimiliki untuk earn rentals or for capital appreciation or both,
menghasilkan sewa atau untuk kenaikan rather than for use in providing service or for
nilai atau keduanya dan tidak untuk administrative purpose.
digunakan dalam penyediaan jasa atau
untuk tujuan administratif.
Properti investasi dicatat sebesar nilai Investment property is carried at fair value,
wajarnya, yang mencerminkan nilai pasar representing open market value determined
yang ditentukan setiap tahun oleh penilai annually by an independent appraiser. Fair
independen. Nilai wajar didasarkan pada value is based on active market prices,
harga pasar aktif, yang apabila diperlukan adjusted, if necessary, for any difference in the
23
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
dilakukan penyesuaian atas perbedaan sifat, nature, location or condition of the specific
lokasi atau kondisi dari investasi tersebut. asset. If the information is not available, the
Jika informasi tidak tersedia, Grup Group uses alternative valuation methods
menggunakan metode penilaian alternatif such as recent prices on less active markets
seperti harga pasar terkini atau proyeksi or discounted cash flow projections. These
arus kas. Penilaian ini ditinjau ulang setiap valuations are reviewed annually by
tahun oleh penilai independen. independent appraiser.
Perubahan dalam nilai wajar dicatat dalam Changes in fair values are recorded in the
laporan laba rugi dan penghasilan consolidated statements of profit or loss and
komprehensif lain konsolidasian sebagai other comprehensive income as part of
bagian dari pendapatan investasi. investment income.
Properti investasi dihentikan pengakuannya An investment property should be
pada saat pelepasan atau ketika properti derecognized on disposal or when the
investasi tersebut tidak digunakan lagi investment property is permanently withdrawn
secara permanen dan tidak memiliki manfaat from use and no future economic benefits are
ekonomis di masa depan yang dapat expected from its disposal. Gains or losses
diharapkan pada saat pelepasannya. Laba arising from the retirement or disposal of
atau rugi yang timbul dari penghentian atau investment property is credited or charged to
pelepasan properti investasi diakui dalam the consolidated profit or loss in the year the
laba rugi konsolidasian dalam tahun asset is derecognized.
terjadinya penghentian atau pelepasan
tersebut.
2.j. Investasi pada entitas asosiasi 2.j. Investments in associates
Entitas asosiasi adalah entitas dimana Associates are entities which the Group has
Grup memiliki kekuasaan untuk the power to participate in the financial and
berpartisipasi dalam keputusan kebijakan operating policy decisions of the investee but
keuangan dan operasional investee, tetapi is not control or joint control over those
tidak mengendalikan atau mengendalikan policies (significant influence).
bersama atas kebijakan tersebut
(pengaruh signifikan).
Investasi pada entitas asosiasi dicatat Investment in associates accounted for using
dengan menggunakan metode ekuitas. the equity method. Under the equity method,
Dalam metode ekuitas, pengakuan awal the investment in an associate is initially
investasi diakui sebesar biaya perolehan, recognised at cost and the carrying amount is
dan jumlah tercatat ditambah atau dikurang increased or decreased to recognise the
untuk mengakui bagian atas laba rugi investor's share of the profit or loss of the
investee setelah tanggal perolehan. Bagian investee after the date of acquisition. The
atas laba rugi investee diakui dalam laba investor's share of the profit or loss of the
rugi. Penerimaan distribusi dari investee investee is recognised in profit or loss.
mengurangi nilai tercatat investasi. Distributions received from an investee reduce
Penyesuaian terhadap jumlah tercatat the carrying amount of the investment.
tersebut juga mungkin dibutuhkan untuk Adjustments to the carrying amount may also
perubahan dalam proporsi bagian investor be necessary for changes in the investor's
atas investee yang timbul dari penghasilan proportionate interest in the investee arising
komprehensif lain, termasuk perubahan from changes in the investee's other
yang timbul dari revaluasi aset tetap dan comprehensive income, including those
selisih penjabaran valuta asing. Bagian arising from the revaluation of property, plant
investor atas perubahan tersebut diakui and equipment and from foreign exchange
dalam penghasilan komprehensif lain. translation differences. The investor's share of
those changes is recognized in other
comprehensive income.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Grup menghentikan penggunaan metode The Group discontinue the use of the equity
ekuitas sejak tanggal ketika investasinya method from the date when its investment
berhenti menjadi investasi pada entitas ceases to be an associate as follows:
asosiasi sebagai berikut:
a. jika investasi menjadi entitas anak; a. if the investment becomes a subsidiary;
b. jika sisa kepentingan dalam entitas b. If the retained interest in the former
asosiasi merupakan aset keuangan, associate is a financial asset, the Group
maka Grup mengukur sisa kepentingan measure the retained interest at fair
tersebut pada nilai wajar; atau value; or
c. ketika Grup menghentikan penggunaan c. when the Group discontinue the use ot
metode ekuitas, Grup mencatat seluruh the equity method, the Group account for
jumlah yang sebelumnya telah diakui all amounts previously recognized in
dalam penghasilan komprehensif lain other comprehensive income in relation to
yang terkait dengan investasi tersebut that investment on the same basis as
menggunakan dasar perlakuan yang would have been required if the investee
sama dengan yang disyaratkan jika had directly disposed of the related
investee telah melepaskan secara assets or liabilities.
langsung aset dan liabilitas terkait.
2.k. Aset tetap 2.k. Fixed assets
Seluruh aset tetap awalnya diakui sebesar All fixed assets are initially recognized at cost,
biaya perolehan, yang terdiri atas harga which comprises its purchase price and any
perolehan dan biaya-biaya tambahan yang costs directly attributable in bringing the asset
dapat diatribusikan langsung untuk to the location and condition necessary for it to
membawa aset ke lokasi dan kondisi yang be capable of operating in the manner
diinginkan supaya aset tersebut siap intended by Management.
digunakan sesuai dengan maksud
Manajemen.
Setelah pengakuan awal, aset tetap, kecuali Subsequent to initial recognition, fixed assets,
tanah dan bangunan, dinyatakan pada biaya except land and buildings, are carried at cost
perolehan dikurangi akumulasi penyusutan less any subsequent accumulated
dan akumulasi rugi penurunan nilai. depreciation and impairment losses.
Tanah dan bangunan dinyatakan Land and buildings are stated at their revalued
berdasarkan nilai revaluasi yang merupakan amounts, being the fair value at the date of
nilai wajar pada tanggal revaluasi dikurangi revaluation, less any subsequent accumulated
akumulasi penyusutan, kecuali tanah yang depreciation, except land which is not
tidak disusutkan, dan akumulasi rugi depreciated, and subsequent accumulated
penurunan nilai yang terjadi setelah tanggal impairment losses. Revaluation is made with
revaluasi. Revaluasi dilakukan dengan sufficient regularity to ensure that the carrying
keteraturan yang memadai untuk amount does not differ materially from that
memastikan bahwa jumlah tercatat tidak which would be determined using fair value at
berbeda secara material dari jumlah yang the reporting date.
ditentukan dengan menggunakan nilai wajar
pada tanggal pelaporan.
Kenaikan revaluasi yang berasal dari Any revaluation increases arising on the
revaluasi tanah dan bangunan langsung revaluation of such land and buildings is
dikreditkan ke surplus revaluasi pada credited to the revaluation surplus in other
penghasilan komprehensif lain, kecuali bila comprehensive income, except to the extent
sebelumnya terdapat penurunan revaluasi that it reverses a revaluation decrease, for the
atas aset yang sama pernah diakui dalam same asset which was previously recognized
laporan laba rugi, dalam hal ini kenaikan in profit or loss, in which case the increase is
revaluasi hingga sebesar penurunan nilai credited to consolidated statement of profit or
aset akibat revaluasi tersebut, dikreditkan loss and other comprehensive income to the
dalam laporan laba rugi dan penghasilan extent of the decrease previously charged.
komprehensif lain konsolidasian.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Penurunan jumlah tercatat yang berasal dari A decrease in carrying amount arising on the
revaluasi tanah dan bangunan dibebankan revaluation of such land and buildings is
dalam laporan laba rugi apabila penurunan charged to profit or loss to the extent that it
tersebut melebihi saldo surplus revaluasi exceeds the balance, if any, held in the
aset yang bersangkutan, jika ada. properties’ revaluation reserve relating to a
previous revaluation of such land and
buildings.
Surplus revaluasi tanah dan bangunan yang The revaluation surplus included in properties’
telah disajikan dalam ekuitas dipindahkan revaluation reserve in respect of land and
langsung ke saldo laba pada saat aset buildings is directly transferred to retained
tersebut dihentikan pengakuannya. earnings when the asset is derecognized.
Penyusutan terhadap aset tetap dihitung Fixed assets are depreciated from the month
dengan menggunakan metode garis lurus the assets are placed in service on a straight-
(straight-line method) dan metode saldo line method and double declining balance
menurun ganda (double declining balance method over their estimated useful lives, as
method), berdasarkan taksiran masa follows:
manfaat ekonomis aset tetap yang
bersangkutan, sebagai berikut:
Tahun/Years
Gedung kantor 10 - 20 Office buildings
Kendaraan bermotor 4-8 Motor vehicles
Meubel dan perabot kantor 4-8 Office furniture and fixtures office
Mesin dan peralatan kantor 4-8 Office and equipment
Peralatan komputer 4-8 Computer equipment
Masa manfaat ekonomis, nilai residu dan The estimated useful lives, residual values
metode penyusutan ditelaah setiap akhir and depreciation method are reviewed at each
tahun dan pengaruh dari setiap perubahan year end, with the effect of any changes in
estimasi tersebut berlaku prospektif. estimate accounted for on a prospective basis.
Biaya perbaikan dan pemeliharaan Repair and maintenance expenses are
dibebankan ke laba rugi konsolidasian di charged to the consolidated profit or loss
periode yang sama pada saat terjadinya. during the financial period in which they are
Pengeluaran yang memperpanjang masa incurred. Expenditure which extends the
manfaat aset atau yang memberikan useful lives of the assets or provides further
manfaat ekonomis dikapitalisasi dan economic benefits are capitalized and
disusutkan. depreciated.
Apabila aset tetap dihentikan When fixed assets are retired or otherwise
penggunaannya atau dijual, harga perolehan disposed of, their costs and the related
dan akumulasi depresiasi yang terkait accumulated depreciation are eliminated from
dengan aset tetap tersebut dihentikan the consolidated financial statements and any
pengakuannya dari laporan keuangan resulting gain or losses are recognized in the
konsolidasian dan keuntungan atau kerugian consolidated profit or loss.
yang dihasilkan diakui dalam laba rugi
konsolidasian.
Apabila nilai tercatat aset tetap lebih besar When the carrying amount of an asset is
dari nilai yang dapat diperoleh kembali, aset greater than its estimated recoverable amount,
diturunkan menjadi sebesar nilai yang dapat it is written down immediately to its
diperoleh kembali, dengan menggunakan recoverable amount, which is determined
nilai tertinggi antara harga jual neto dengan based on the higher of net selling price or
nilai pakai. value in use.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Akumulasi biaya konstruksi aset tetap The accumulated costs of the construction of
dikapitalisasi sebagai aset dalam fixed assets are capitalized as construction in
penyelesaian. Biaya tersebut direklasifikasi progress. These costs are reclassified to the
ke akun aset tetap pada saat proses fixed assets accounts when the construction is
konstruksi selesai. Penyusutan mulai complete. Depreciation is charged from such
dibebankan pada tanggal yang sama. date.
Aset sewa pembiayaan disusutkan Assets held under finance lease are
berdasarkan taksiran masa manfaat depreciated over their expected useful lives on
ekonomis yang sama dengan aset yang the same basis as owned assets or where
dimiliki sendiri atau disusutkan selama shorter, the term of the relevant lease.
jangka waktu yang lebih pendek antara
periode masa sewa dan umur manfaatnya.
2.l. Biaya dibayar di muka 2.l. Prepaid expenses
Biaya dibayar di muka diamortisasi dan Prepaid expenses are amortized and charged
dibebankan selama masa manfaatnya as expense over the periods of benefits using
dengan menggunakan metode garis lurus. the straight-line method.
2.m. Kelompok lepasan 2.m. Disposal groups
Kelompok lepasan yang diklasifikasikan Disposal groups classified as held-for-sale are
sebagai dimiliki untuk dijual diukur pada nilai measured at the lower of their carrying amount
yang lebih rendah antara nilai tercatat dan and fair value less costs to sell.
nilai wajar setelah dikurangi biaya untuk
menjual.
Kelompok lepasan diklasifikasikan sebagai Disposal groups are classified as held-for-
dimiliki untuk dijual jika nilai tercatatnya akan sale if their carrying amounts will be recovered
dipulihkan terutama melalui transaksi principally through a sale transaction rather
penjualan daripada melalui pemakaian than through continuing use.
berlanjut.
Suatu komponen dari Grup diklasifikasikan A component of the Group is classified as a
sebagai “operasi yang dihentikan” ketika “discontinued operation” when the criteria to
kriteria untuk mengklasifikasikan sebagai be classified as held-for-sale have been met
dimiliki untuk dijual telah terpenuhi atau telah or it has been disposed of and such a
dilepaskan dan komponen tersebut mewakili component represents a separate major line of
lini usaha atau area geografis operasi utama business or geographical area of operations or
yang terpisah atau bagian dari rencana is part of a single coordinated plan to dispose
tunggal terkoordinasi untuk melepaskan lini of a separate major line of business or
usaha atau area geografis operasi utama geographical area of operations.
yang terpisah.
Hasil dari operasi yang dihentikan disajikan The results of discontinuing operations are
dalam laporan laba rugi dan penghasilan presented in the consolidated statements of
komprehensif lain konsolidasian sebagai profit or loss and other comprehensive income
akun “Rugi periode berjalan dari operasi as “Loss for the period from discontinued
yang dihentikan”. operations”.
2.n. Penurunan nilai atas aset non-keuangan 2.n. Impairment on non-financial assets
Pada setiap akhir tahun pelaporan, Grup The Group assesses at end of each annual
menilai apakah terdapat indikasi suatu aset reporting year whether there is an indication
mengalami penurunan nilai. Jika terdapat that an asset may be impaired. If any such
indikasi tersebut atau pada saat pengujian indication exists, or when annual impairment
penurunan nilai aset (yaitu aset takberwujud testing for an asset (i.e. an intangible asset
dengan umur manfaat tidak terbatas, aset with an indefinite useful life, an intangible
takberwujud yang belum dapat digunakan, asset not yet available for use, or goodwill
atau goodwill yang diperoleh dalam suatu acquired in a business combination) is
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kombinasi bisnis) diperlukan, maka Grup required, the Group makes an estimate of the
membuat estimasi formal jumlah terpulihkan asset’s recoverable amount.
aset tersebut.
Jumlah terpulihkan yang ditentukan untuk An asset’s recoverable amount is the higher of
aset individual adalah jumlah yang lebih an asset’s or cash generating unit (CGU)’s fair
tinggi antara nilai wajar aset atau unit value less costs to sell and its value in use
penghasil kas dikurangi biaya untuk menjual and is determined for an individual asset,
dengan nilai pakainya, kecuali aset tersebut unless the asset does not generate cash
tidak menghasilkan arus kas masuk yang inflows that are largely independent of those
sebagian besar independen dari aset atau from other assets or group of assets.
kelompok aset lain.
Jika nilai tercatat aset lebih besar daripada Where the carrying amount of an asset
nilai terpulihkannya, maka aset tersebut exceeds its recoverable amount, the asset is
dipertimbangkan mengalami penurunan nilai considered impaired and is written down to its
dan nilai tercatat aset diturunkan menjadi recoverable amount. Impairment losses are
sebesar nilai terpulihkannya. Rugi recognized in the profit or loss as “Impairment
penurunan nilai diakui pada laba rugi losses”.
sebagai “Rugi penurunan nilai”.
Kerugian penurunan nilai yang telah diakui A previously recognized impairment loss for
dalam periode sebelumnya untuk aset selain an asset other than goodwill is reversed only if
goodwill dibalik hanya jika terdapat there has been a change in the assumptions
perubahan asumsi-asumsi yang digunakan used to determine the asset’s recoverable
untuk menentukan jumlah terpulihkan aset amount since the last impairment loss was
tersebut sejak rugi penurunan nilai terakhir recognized.
diakui.
Dalam hal ini, jumlah tercatat aset dinaikkan If that is the case, the carrying amount of the
ke jumlah terpulihkannya. Pembalikan asset is increased to its recoverable amount.
tersebut dibatasi sehingga jumlah tercatat The reversal is limited so that the carrying
aset tidak melebihi jumlah terpulihkannya amount of the assets does not exceed its
maupun jumlah tercatat, neto setelah recoverable amount, nor exceed the carrying
penyusutan, seandainya tidak ada rugi amount that would have been determined, net
penurunan nilai yang telah diakui untuk aset of depreciation, had no impairment loss been
tersebut pada periode sebelumnya. recognized for the asset in prior years.
Pembalikan rugi penurunan nilai diakui Reversal of an impairment loss is recognized
dalam laporan laba rugi dan penghasilan in the consolidated statement of profit or loss
komprehensif lain konsolidasian. Setelah and other comprehensive income. After such a
pembalikan tersebut, penyusutan yang reversal, the depreciation charge is adjusted in
dibebankan disesuaikan di periode future periods to allocate the asset’s revised
mendatang untuk mengalokasikan jumlah carrying amount, less any residual value, on a
tercatat aset yang direvisi, dikurangi nilai systematic basis over its remaining useful life.
residu, dengan dasar yang sistematis
selama sisa umur manfaatnya.
2.o. Kontrak asuransi 2.o. Insurance contracts
Kontrak asuransi adalah kontrak yang Insurance contract is a contract issued by an
diterbitkan oleh perusahaan asuransi dimana insurance company which accepts significant
pada saat penerbitan polis perusahaan insurance risk from the policyholder upon the
asuransi menerima risiko asuransi yang issuance of the policy.
signifikan dari pemegang polis.
Risiko asuransi adalah kemungkinan untuk A Significant insurance risk is the possibility of
membayar manfaat yang signifikan kepada paying significantly more benefit to the
pemegang polis apabila suatu kejadian yang policyholder upon the occurrence of insured
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
diasuransikan terjadi dibandingkan dengan event compared to the minimum benefit
manfaat minimum yang akan dibayarkan payable in a scenario where the insured event
apabila risiko yang diasuransikan tidak does not occur. Scenarios considered are
terjadi. Skenario-skenario yang diperhatikan those with commercial substance.
adalah skenario yang mengandung unsur
komersial.
Grup mendefinisikan risiko asuransi yang The Group defines significant insurance risk
signifikan sebagai kemungkinan Grup as the possibility of the Group agrees to
menyetujui untuk mengkompensasi compensate policyholders of the contract for
pemegang polis jika kejadian masa depan the specified uncertain future events that
tertentu yang tidak pasti (kejadian yang adversely affect the policyholder.
diasuransikan) berdampak merugikan
pemegang polis.
Ketika sebuah kontrak telah diklasifikasi Once a contract has been classified as
sebagai kontrak asuransi, reklasifikasi insurance, no reclassification is subsequently
terhadap kontrak tersebut tidak dapat performed unless the terms of the agreement
dilakukan kecuali ketentuan perjanjian are later amended.
kemudian diamendemen.
Kontrak asuransi diklasifikasikan sebagai Insurance contracts are classified as follows:
berikut:
- Kontrak asuransi jangka pendek - Short-term insurance contract
Kontrak asuransi jangka pendek adalah A short-term insurance contract is an
kontrak asuransi yang hanya memberikan insurance contract that only provides
proteksi asuransi tanpa ada komponen insurance protection without deposit
deposit untuk jangka waktu sama dengan component for period of or less than
atau kurang dari dua belas bulan. twelve months.
- Kontrak asuransi jangka panjang - Long-term insurance contract
Kontrak asuransi jangka panjang adalah Long-term insurance contract is an
kontrak asuransi yang hanya memberikan insurance contract that only provides
proteksi asuransi tanpa ada komponen insurance protection without deposit
deposit untuk jangka waktu lebih dari dua component for a period of more than
belas bulan. twelve months.
i. Pengakuan pendapatan underwriting i. Underwriting income recognition
Pendapatan underwriting diakui sejak Underwriting income is recognized
berlakunya polis. upon inception of the policy.
Premi dari kontrak asuransi dan Premium from insurance and
reasuransi diakui sebagai pendapatan reinsurance contracts are recognized
selama periode polis (kontrak) as income during the period of policies
berdasarkan proporsi jumlah proteksi (contracts) in proportion to the
yang diberikan. Premi dari polis insurance coverage provided.
bersama diakui sebesar pangsa premi Premium from coinsurance policy is
Grup. recognized based on the Group’s
proportion to the insurance coverage
received.
Premi reasuransi adalah bagian dari Reinsurance premium is part of gross
premi bruto yang menjadi hak premium which is the right of
reasuradur berdasarkan perjanjian reinsurers based on reinsurance
(kontrak) reasuransi. Premi reasuransi agreement (contract). Reinsurance
diakui selama periode kontrak premium is recognized during the
reasuransi secara proporsional period of reinsurance contracts in
dengan proteksi diperoleh. proportion to the insurance coverage
received.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Premi yang belum merupakan The unearned premium reserves
pendapatan merupakan bagian dari represent the portion of the premium
premi yang berkaitan dengan written relating to the unexpired terms
persyaratan belum berakhirnya of coverage protection.
cakupan perlindungan.
Grup mengakui cadangan atas premi The Group recognized short-term
jangka pendek yang belum merupakan unearned premium reserves using
pendapatan dengan menggunakan daily method.
metode harian.
Grup juga mengakui cadangan atas The Group also recognized long-term
premi jangka panjang yang belum unearned premium reserves which
merupakan pendapatan yang dihitung were calculated based on present
dengan menggunakan metode nilai value of future cash flow method
kini arus kas masa depan (arus kas (discounted cash flow).
diskonto).
Entitas anak Perseroan menghitung Subsidiary of the company calculates
liabilitas manfaat polis masa depan the liabilities for future policy benefits
dengan menggunakan metode Gross using Gross Premium Reserve method
Premium Reserve yang that reflects the present value of
mencerminkan nilai kini estimasi estimated payments throughout the
pembayaran seluruh manfaat yang guaranteed benefits including all the
diperjanjikan termasuk seluruh opsi embedded options available, the
yang disediakan, nilai kini estimasi estimated present value of all handling
seluruh biaya yang dikeluarkan dan costs incurred and also considering
juga mempertimbangkan penerimaan the future premium receipt.
premi di masa depan.
(Kenaikan)/penurunan atas premi (Increase)/decrease in unearned
yang belum merupakan pendapatan premium reserves represents the
adalah selisih antara premi belum difference between the balance of
merupakan pendapatan periode unearned premium reserves for the
berjalan dan periode lalu dan diakui current and prior periods and is
secara neto pada laba rugi recognized in net in the consolidated
konsolidasian. profit or loss.
Porsi aset reasuransi dari premi yang The portion of reinsurance assets from
belum diterima merupakan unearned premium reserves is
pendapatan diakui bersamaan pada recognized simultaneously when the
saat timbulnya cadangan atas premi unearned premium reserves arisen.
yang belum merupakan pendapatan.
Porsi aset reasuransi dari premi yang The portion of reinsurance assets from
belum diterima merupakan unearned premium reserves is
pendapatan diukur berdasarkan measured in accordance with the
kontrak reasuransi terkait konsisten reinsurance contracts, consistent with
dengan metode pengukuran cadangan the unearned premium reserves
atas premi yang belum merupakan method.
pendapatan.
Penyajian pendapatan premi neto Net premium income in the
dalam laba rugi konsolidasian consolidated profit or loss represents
menunjukkan jumlah premi bruto, gross premium, reinsurance and
premi reasuransi dan retrosesi, dan retrocession premium and (increase)/
(kenaikan)/penurunan cadangan atas decrease in unearned premium
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
premi yang belum merupakan reserves. Reinsurance and
pendapatan. Premi reasuransi dan retrocession premium is presented as
retrosesi disajikan sebagai pengurang deduction from gross premium.
premi bruto.
ii. Reasuransi ii. Reinsurance
Grup mereasuransikan sebagian risiko The Group reinsures part of its total
atas akseptasi pertanggungan kepada accepted risk with other insurance and
perusahaan asuransi lain dan reinsurance companies.
perusahaan reasuransi.
Jumlah premi dibayar atau bagian Premium paid or share in premium on
premi atas transaksi reasuransi dan prospective reinsurance and
retrosesi prospektif diakui sebagai retrocession contracts are recognized
premi reasuransi selama periode over the period of the reinsurance and
kontrak reasuransi dan retrosesi retrocession contracts based on the
secara proporsional dengan proteksi coverage provided. Premium
yang diberikan. Pembayaran atau payments or liabilities on retrospective
liabilitas atas transaksi reasuransi dan reinsurance and retrocession contracts
retrosesi retrospektif diakui sebagai are recognized as reinsurance
piutang reasuransi sebesar liabilitas receivables in amount equivalent to
yang dicatat sehubungan kontrak the recorded liability for the
reasuransi dan retrosesi tersebut. reinsurance and retrocession
contracts.
Grup mempunyai kontrak reasuransi The Group has proportional and non-
dan retrosesi proporsional dan non- proportional reinsurance and
proporsional dengan perusahaan retrocession contracts with domestic
asuransi dan reasuransi di dalam and overseas insurance and
maupun di luar negeri. Tujuan reinsurance companies. The objective
reasuransi ini adalah untuk membagi of the reinsurance is to ceded the risk
risiko yang melebihi kapasitas retensi exceeding the Group’s retention
Grup. Premi reasuransi dan retrosesi, capacity. Reinsurance and
klaim reasuransi dan retrosesi, dan retrocession premium, reinsurance
diskon reasuransi dan retrosesi and retrocession claims, and
dikurangkan dari premi bruto, klaim reinsurance and retrocession
bruto, dan komisi bruto. discounts are deducted from the gross
written premium, gross claims, and
gross commissions.
Grup mereasuransikan sebagian porsi The Group reinsures a portion of its
risikonya kepada perusahaan risk with reinsurance companies. The
reasuradur. Jumlah premi yang amount of premium paid or portion of
dibayar atau porsi premi atas transaksi premium from prospective reinsurance
reasuransi prospektif diakui sesuai transactions is recognized over the
dengan proporsi jumlah proteksi reinsurance contract in proportion with
reasuransi yang diterima. the protection received.
Aset reasuransi termasuk saldo yang Reinsurance assets include balances
diharapkan dibayarkan oleh expected to be recovered from
perusahaan reasuransi untuk ceded reinsurance companies for ceded
estimasi klaim reasuransi, dan ceded estimated reinsurance claims and
premi belum merupakan pendapatan. ceded unearned premium. Amounts
Jumlah manfaat yang ditanggung oleh recoverable from reinsurers are
reasuradur diperkirakan secara estimated in a manner consistent with
konsisten sesuai dengan liabilitas the liability associated with the
yang terkait dengan polis reasuransi. reinsured policy.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jika aset reasuransi mengalami If a reinsurance asset is impaired, the
penurunan nilai, Grup mengurangi nilai Group reduces the carrying amount
tercatat dan mengakui kerugian accordingly and recognizes that
penurunan nilai tersebut dalam laba impairment losses in the consolidated
rugi konsolidasian. Aset reasuransi profit or loss. A reinsurance asset is
mengalami penurunan nilai jika ada impaired if there is objective evidence,
bukti objektif, sebagai akibat dari suatu as a result of an event that occurred
peristiwa yang terjadi setelah after initial recognition of the
pengakuan awal aset reasuransi, reinsurance asset, that the Group may
bahwa Grup tidak dapat menerima not receive all amounts due to it under
seluruh jumlah karena di bawah the terms of the contract, and the
syarat-syarat kontrak, dan dampak impact on the amounts that the Group
pada jumlah yang akan diterima dari will receive from the reinsurers can be
reasuradur dapat diukur secara andal. reliably measured.
Grup menyajikan aset reasuransi The Group presents separately
secara terpisah sebagai aset atas reinsurance assets of unearned
premi belum merupakan pendapatan premium, and estimates claim
dan estimasi liabilitas klaim. liabilities.
iii. Biaya akuisisi iii. Acquisition costs
Biaya akuisisi merupakan beban yang Acquisition costs represent costs
terjadi untuk mendapatkan premi incurred to obtain premium income,
asuransi, seperti komisi yang such as commission paid to insurance
dibayarkan kepada pialang asuransi, brokers, agencies and other insurance
agen dan entitas asuransi lain. Biaya companies. This acquisition cost is
akuisisi ini ditangguhkan dan deferred and amortized in accordance
diamortisasi sesuai dengan metode with calculation method of premium
perhitungan cadangan atas premi. reserves.
iv. Klaim iv. Claims
Klaim meliputi klaim disetujui (settled Claims consist of settled claims,
claims), klaim dalam proses outstanding claims, including claims
penyelesaian, termasuk estimasi atas incurred but not yet reported (IBNR)
klaim yang telah terjadi namun belum and claim settlement expenses.
dilaporkan (IBNR) dan beban Claims are recognized as expenses
penyelesaian klaim. Klaim tersebut when incurred. Reinsurance claims
diakui sebagai beban pada saat received from reinsurance companies
timbulnya liabilitas untuk memenuhi are recognized as deduction from
klaim. Bagian klaim yang diperoleh claim expenses in the same period as
dari reasuradur diakui dan dicatat the recognition of claim expenses.
sebagai pengurang beban klaim pada Subrogation rights are recognized as
periode yang sama dengan periode deduction from claim expenses upon
pengakuan beban klaim. Hak realization.
subrogasi diakui sebagai pengurang
beban klaim pada saat realisasi.
Penyajian beban klaim dalam laba rugi Claim expenses in the consolidated
konsolidasian menunjukkan jumlah profit or loss represent gross claims,
klaim bruto, klaim reasuransi, dan reinsurance claims and (increase)/
(kenaikan)/penurunan estimasi klaim decrease in estimated own retention
retensi sendiri. Klaim reasuransi claims. Reinsurance claims are
disajikan sebagai pengurang klaim presented as deduction from gross
bruto. claims.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Cadangan atas estimasi klaim bruto A provision for estimated gross claims
dibuat berdasarkan taksiran beban is made for the full estimated costs of
klaim yang akan dibayar sesuai claims to be paid in respect of claims
dengan klaim yang diterima Grup notified to the Group until the date of
sampai dengan tanggal laporan. the reporting period. Reinsurance
Pemulihan klaim dari reasuradur untuk recoveries of the provision for
cadangan atas estimasi klaim bruto estimated gross claims is recorded as
dicatat sebagai estimasi klaim estimated reinsurance claims in
reasuransi pada aset reasuransi. reinsurance assets.
Grup menetapkan cadangan The Group establishes its reserves by
berdasarkan lini usaha. Ada dua line of business. There are two
kategori cadangan: cadangan untuk categories of reserve: reserves for
klaim yang sudah dilaporkan dan reported losses and reserves for
cadangan untuk klaim yang sudah incurred but not reported (IBNR)
terjadi tetapi belum dilaporkan (IBNR). losses.
Cadangan Grup untuk klaim yang The Group’s reserves for reported
sudah dilaporkan adalah berdasarkan losses are based on estimates of
pada estimasi pembayaran di masa future payments to settle reported
mendatang untuk menyelesaikan claims. The Group bases such
klaim yang sudah dilaporkan. Grup estimates on the facts available at the
membuat estimasi tersebut time the reserves are established.
berdasarkan pada fakta-fakta yang
tersedia pada saat cadangan
ditetapkan.
Perubahan jumlah estimasi klaim, Changes in the amount of estimated
sebagai akibat proses penelaahan total claim liabilities as a result of
lebih lanjut dan perbedaan antara further review, and differences
jumlah estimasi klaim yang between estimated claims and claims
dibayarkan, diakui dalam laba rugi paid, are recognized in the
konsolidasian pada tahun terjadinya consolidated profit or loss in the years
perubahan. when the changes occur.
v. Pengujian kecukupan liabilitas v. Liability adequacy test
Pengujian kecukupan liabilitas Liability adequacy testing is performed
dilakukan pada tanggal pelaporan at reporting date for contract
untuk kontrak secara individual individually or class of products
ataupun per kelompok produk, determined in accordance with the
ditentukan sesuai dengan cara Grup Group acquiring, servicing, and
memperoleh, memelihara, dan measuring the profitability of its
mengukur profitabilitas dari kontrak insurance contracts.
asuransi tersebut.
Grup menilai liabilitas asuransi pada The Group measures the insurance
setiap akhir periode pelaporan untuk liabilities at the end of reporting period
meyakinkan apakah liabilitas asuransi to ensure whether the insurance
yang dicatat cukup untuk menutup liabilities recorded are sufficient to
kerugian yang diperkirakan pada akhir cover expected losses at the end of
periode pelaporan, dengan the reporting period, by using present
menggunakan estimasi kini atas arus value of future cash flow based on
kas masa depan berdasarkan kontrak insurance contracts.
asuransi.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jika penilaian tersebut menunjukan If the valuation showed deficiency
kekurangan antara nilai tercatat between insurance liabilities recorded
liabilitas asuransi (dikurangi dengan (deducted with respective deferred
biaya akuisisi tangguhan terkait) acquisition cost) with estimation of
dibandingkan dengan estimasi arus future cash flow, the deficiency will be
kas masa depan, maka seluruh recorded to consolidated profit or loss.
kekurangan tersebut dicatat dalam
laba rugi konsolidasian.
Pada tanggal pelaporan, keseluruhan As at the reporting date, all insurance
jumlah aset dan liabilitas asuransi assets and liabilities have been
yang dicatat telah diestimasi dan estimated and Management believes
Manajemen meyakini bahwa jumlah that the amount recorded are
tersebut telah memadai. adequate.
2.p. Dividen 2.p. Dividends
Pembagian dividen kepada pemegang Dividend distribution to the shareholders is
saham diakui sebagai liabilitas dalam recognized as a liability in the Group’s
laporan keuangan konsolidasian Grup dalam consolidated financial statements in the year
tahun dimana pembagian dividen tersebut in which the dividends are declared.
diumumkan.
2.q. Aset takberwujud 2.q. Intangible assets
Aset takberwujud terdiri dari beban Intangible assets consist of cost related to
perpanjangan Hak Guna Tanah dan renewal of land and building use rights and
Bangunan dan perangkat lunak sistem computer system softwares.
komputer.
Beban yang terjadi sehubungan dengan Charges occurred in respect of land rights are
pengurusan legal hak atas tanah deferred and amortized using straight line
ditangguhkan dan diamortisasi dengan method. Management properly estimates the
metode garis lurus. Manajemen useful lives of these intangible assets to be
mengestimasi masa manfaat ekonomis aset within 1 (one) to 4 (four) years. Changes in
takberwujud antara 1 (satu) sampai dengan the expected level of usage and technological
4 (empat) tahun. Perubahan tingkat development could impact the economic
pemakaian dan perkembangan teknologi useful lives and the residual values of these
dapat memengaruhi masa manfaat assets, and therefore future amortization
ekonomis dan nilai sisa aset, dan karenanya charges could be revised.
biaya amortisasi masa depan mungkin
direvisi.
2.r. Pengakuan pendapatan dan beban 2.r. Revenue and expense recognition
Pendapatan jasa diakui pada saat jasa Revenue from services is recognized when
diberikan kepada langganan. the service is delivered.
Pembayaran sewa dan jasa pemeliharaan Payment for rental and services charge
yang diterima di muka disajikan sebagai received upfront are presented in other
pendapatan diterima di muka pada utang payables (liabilities) in the consolidated
lain-lain (liabilitas) dalam laporan posisi statement of financial position as deferred
keuangan konsolidasian yang diakui sebagai revenue and recognized as revenue
pendapatan secara proporsional sesuai proportionally according to the rental and
dengan periode perjanjian sewa dan jasa service period in the rental agreement. Other
pemeliharaan. Pendapatan dan beban income and expenses are recognized as
lainnya diakui pada saat terjadinya, incurred an accrual basis.
menggunakan dasar akrual.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2.s. Sewa 2.s. Leases
Suatu perjanjian, yang meliputi suatu An arrangement, comprising a transaction or a
transaksi atau serangkaian transaksi, series of transactions, is or contains a lease if
merupakan perjanjian sewa atau the Group determines that the arrangement
mengandung sewa jika Grup menentukan conveys a right to use a specific asset or
bahwa perjanjian tersebut memberikan hak assets for an agreed period of time in return
untuk menggunakan suatu aset atau for a payment or a series of payments.
sekelompok aset selama periode tertentu
dengan imbalan suatu atau serangkaian
pembayaran.
Grup sebagai lessor The Group as lessor
Pertimbangan tersebut dibuat berdasarkan Such a determination is made based on an
hasil evaluasi terhadap substansi perjanjian evaluation of the substance of the
terlepas dari bentuk formal dari perjanjian arrangement regardless of whether the
sewa tersebut. arrangement takes the legal form of a lease.
Sewa di mana Grup tidak mengalihkan Leases in which the Group does not transfer
secara substansial seluruh risiko dan substantially all the risks and rewards
manfaat yang terkait dengan kepemilikan incidental to ownership of an asset are
suatu aset diklasifikasikan sebagai sewa classified as operating leases. Rental income
operasi. Pendapatan sewa yang timbul arising is accounted for on a straight-line basis
dicatat dengan metode garis lurus selama over the lease terms and is included in
masa sewa dan dimasukkan dalam revenue in the consolidated statement of profit
pendapatan dalam laporan laba rugi dan or loss and other comprehensive income due
penghasilan komprehensif lain konsolidasian to its operating nature. Initial direct costs
karena sifat operasinya. Biaya perolehan incurred in negotiating and arranging an
langsung awal yang timbul dalam negosiasi operating lease are added to the carrying
dan pengaturan sewa operasi ditambahkan amount of the leased asset and recognized
ke nilai tercatat aset sewaan dan diakui over the lease term on the same basis as
selama masa sewa atas dasar yang sama rental income. Contingent rents are
dengan pendapatan sewa. Sewa kontinjensi recognized as revenue in the period in which
diakui sebagai pendapatan pada periode they are earned.
perolehannya.
Grup sebagai lessee/ penyewa The Group as lessee
Aset pada sewa pembiayaan dicatat pada Assets held under finance leases are initially
awal masa sewa sebesar nilai wajar aset recognised as assets of the Group at their fair
sewaan Grup yang ditentukan pada awal value at the inception of the lease or, if lower,
kontrak atau, jika lebih rendah, sebesar nilai at the present value of the minimum lease
kini dari pembayaran sewa minimum. payments. The corresponding liability to the
Liabilitas kepada lessor disajikan di dalam lessor is included in the statement of financial
laporan posisi keuangan sebagai bagian dari position as part of consumer finance and
utang pembiayaan konsumen dan sewa leases payable.
pembiayaan.
Pada tanggal permulaan kontrak, Grup At the inception of a contract, the Group
menilai apakah kontrak merupakan, atau assesses whether the contract is, or contains,
mengandung, sewa. Suatu kontrak a lease. A contract is or contains a lease if the
merupakan atau mengandung sewa jika contract conveys the right to control the use of
kontrak tersebut memberikan hak untuk an identified asset for a period of time in
mengendalikan penggunaan aset exchange for consideration.
identifikasian selama suatu jangka waktu
untuk dipertukarkan dengan imbalan.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Untuk menilai apakah kontrak memberikan To assess whether a contract conveys the
hak untuk mengendalikan penggunaan aset right to control the use of an identified asset,
identifikasian, Grup mempertimbangkan the Group considers whether:
apakah:
- Grup memiliki hak untuk mendapatkan - The Group has the right to obtain
secara subtansial seluruh manfaat substantially all the economic benefits
ekonomi dari penggunaan aset from use of the asset throughout the
identifikasian; dan period of use; and
- Grup memiliki hak untuk mengarahkan - The Group has the right to direct the use
penggunaan aset identifikasian. Grup of the asset. The Group has this right
memiliki hak ini ketika Grup memiliki hak when it has the decision-making rights
untuk pengambilan keputusan yang that are the most relevant to changing the
relevan tentang penentuan bagaimana determination of how and for what
dan untuk tujuan apa aset digunakan purpose the asset is used and:
telah ditentukan sebelumnya dan:
1. Grup memiliki hak untuk 1. The Group has the right to operate the
mengoperasikan aset; atau asset; or
2. Grup telah mendesain aset dengan 2. The Group has designed the asset in
cara menetapkan sebelumnya a way that predetermines how and for
bagaimana dan untuk tujuan apa aset what purpose it will be used.
akan digunakan selama periode
penggunaan.
Pada tanggal insepsi atau pada penilaian At the inception or on reassessment of a
kembali atas kontrak yang mengandung contract that contains a lease component, the
sebuah komponen sewa, Grup Group allocates the consideration in the
mengalokasikan imbalan dalam kontrak ke contract to each lease component on the
masing-masing komponen sewa basis of the relative stand-alone prices and
berdasarkan harga tersendiri relatif dari the aggregate stand-alone price of the non-
komponen sewa dan harga tersendiri lease components.
agregat dari komponen non sewa.
Pada tanggal permulaan sewa, Grup The Group recognises a right-of-use asset
mengakui aset hak guna dan liabilitas sewa. and a lease liability at the lease
Aset hak guna diukur pada biaya perolehan, commencement date. The right-of-use asset
dimana meliputi jumlah pengukuran awal is initially measured at cost, which comprises
liabilitas sewa yang disesuaikan dengan the initial amount of the lease liability adjusted
pembayaran sewa yang dilakukan pada atau for any lease payment made at or before the
sebelum tanggal permulaan, ditambah commencement date, plus any initial direct
dengan biaya langsung awal yang cost incurred and an estimate of costs to
dikeluarkan dan estimasi biaya yang akan dismantle and remove the underlying asset or
dikeluarkan untuk membongkar dan to restore the underlying asset to the condition
memindahkan aset pendasar untuk required by the terms and conditions of the
merestorasi aset pendasar ke kondisi yang lease, less any lease incentives received.
disyaratkan dan ketentuan sewa, dikurangi
dengan insentif sewa yang diterima.
Aset hak guna kemudian disusutkan The right-of-use asset is subsequently
menggunakan metode garis lurus dari depreciated using the straight-line method
tanggal permulaan hingga tanggal yang lebih from the commencement date to the earlier of
awal antara akhir umur manfaat aset hak the end of the useful life of the right-of-use
guna atau akhir masa sewa. asset or the end of the lease term.
36
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar pada present value of the lease payments that are
tanggal permulaan, didiskontokan dengan not paid at the commencement date,
menggunakan suku bunga implisit dalam discounted using the interest rate implicit in
sewa atau jika suku bunga tersebut tidak the lease or, if that rate cannot be readily
dapat ditentukan, maka menggunakan suku determined, using the incremental borrowing
bunga pinjaman inkremental. Pada rate. Generally, the Group uses its
umumnya, Grup menggunakan suku bunga incremental borrowing rate as the discount
pinjaman inkremental sebagai tingkat bunga rate.
diskonto.
Pembayaran sewa yang termasuk dalam Lease payments included in the measurement
pengukuran liabilitas sewa meliputi of the lease liability comprise fixed payments,
pembayaran tetap, termasuk pembayaran including in-substance fixed payments less
tetap secara substansi dikurangi dengan any lease incentive receivable.
piutang insentif sewa.
Setiap pembayaran sewa dialokasikan Each lease payment is allocated between
sebagai beban keuangan dan pengurangan finance charges and reduction of the lease
liabilitas sehingga menghasilkan tingkat suku liability so as to achieve a constant rate on the
bunga yang konstan atas saldo liabilitas finance balance outstanding.
yang tersisa.
2.t. Pinjaman diterima 2.t. Borrowings
Pinjaman yang diterima pada awalnya diakui Borrowings are recognized initially at fair
sebesar nilai wajar setelah dikurangi biaya- value, net of directly attributable transaction
biaya transaksi (jika ada) yang dapat costs (if any). Borrowings are subsequently
diatribusikan secara langsung. Pinjaman stated at amortized cost, any difference
yang diterima selanjutnya dicatat between the proceeds (net of transaction
menggunakan biaya perolehan diamortisasi, costs) and the redemption value is recognized
selisih antara jumlah yang diterima (neto in the consolidated profit or loss over the
setelah dikurangi biaya-biaya transaksi) dan period of the borrowings using the effective
nilai penyelesaian pinjaman yang diterima interest method. Borrowings are classified as
tersebut diakui dalam laba rugi konsolidasian financial liabilities at amortized cost. Refer to
sepanjang masa pinjaman dengan Note 2f for the accounting policy for the
menggunakan metode bunga efektif. accounting policy of financial assets.
Pinjaman yang diterima diklasifikasikan
sebagai liabilitas keuangan yang diukur
dengan biaya perolehan diamortisasi. Lihat
Catatan 2f untuk perlakuan akuntansi aset
keuangan.
2.u. Imbalan kerja 2.u. Employee benefits
i. Imbalan kerja jangka pendek i. Short-term employee benefits
Imbalan kerja jangka pendek diakui Short-term employee benefits are
pada saat terutang kepada karyawan. recognized when they accrue to the
employees.
ii. Imbalan pensiun dan pasca kerja ii. Pension and other post employment
lainnya benefits
Imbalan pensiun dan imbalan jangka Pension and other post employment
panjang lainnya dihitung berdasarkan benefits are calculated in accordance
peraturan Perseroan dan tiap-tiap with the Company and each of
entitas anak. Kecuali TIC, TRB, dan subsidiaries’ regulations. Except for TIC,
YHT, imbalan pensiun dan imbalan TRB and YHT, the pension and other
jangka panjang lainnya juga mengacu post employment benefits also referred to
37
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kepada Undang-Undang No. 6 tahun No.6 of 2023 concerning Job Creation.
2023 tentang Cipta Kerja. Grup juga The Group also provides additional
mencatat penyisihan manfaat tambahan provisions on top of the benefit provided
selain program dana pensiun tersebut di under the above-mentioned defined
atas untuk memenuhi dan menutup contribution pension program in order to
imbalan minimum yang harus meet and cover the minimum benefits
dibayarkan kepada karyawan-karyawan required to be paid to the contract
kontrak sesuai dengan Undang-Undang employees with law No.6 of 2023
No. 6 tahun 2023 tentang Cipta Kerja. concerning Job Creation.
Grup memiliki program pensiun dan The Group has pension and other post
pasca kerja dalam bentuk imbalan pasti employment benefits in the form of
dan iuran pasti. defined benefits and defined contribution
plans.
Program imbalan pasti merupakan Defined benefit plan is a pension plan
program pensiun yang menetapkan that defines the amount of pension that
jumlah imbalan pensiun yang akan will be received by the employee on
diterima oleh karyawan pada saat becoming entitled to a pension, which
pensiun, yang biasanya tergantung usually depends on one or more factors
pada satu faktor atau lebih seperti umur, such as age, years of service and
masa kerja dan jumlah kompensasi. compensation.
Program iuran pasti merupakan A defined contribution plan is a pension
program pensiun dimana Grup plan under which the Group pays fixed
membayar sejumlah iuran tertentu contributions into a separate entity and
kepada entitas yang terpisah dan Grup the Group has no legal or constructive
tidak memiliki liabilitas hukum atau obligation to pay further contributions.
konstruktif untuk membayar kontribusi
lebih lanjut.
Kecuali TIC, TRB, dan YHT, Grup Except for TIC, TRB, and YHT, the
diwajibkan menyediakan jumlah Group is required to provide a minimum
minimum imbalan pensiun berdasarkan amount of pension benefits in
UUCK. Secara substansi program accordance with UUCK. Since the Law
pensiun dalam UUCK merupakan sets the formula for determining the
program imbalan pasti karena undang- minimum amount of benefits, in
undang telah menetapkan formula substance pension plans under UUCK
dalam menentukan jumlah minimum represent defined benefit plans. If the
imbalan. Jika porsi program imbalan employee funded portion of the pension
pensiun yang didanai oleh karyawan plan benefit is less than the benefit as
lebih rendah dari imbalan yang required by the law, the Group will
diwajibkan menurut undang-undang, provide provision for such shortage.
Grup akan membentuk penyisihan
untuk menutupi kekurangan tersebut.
Sehubungan dengan program pensiun The liability recognized in the
imbalan pasti, liabilitas diakui pada consolidated statement of financial
laporan posisi keuangan konsolidasian position in respect of defined benefit
sebesar nilai kini liabilitas imbalan pasti pension plans is the present value of the
pada akhir periode pelaporan, dikurangi defined benefit obligation at the end of
dengan nilai wajar aset program. the reporting period, less the fair value of
plan assets.
Liabilitas imbalan pasti dihitung setiap The defined benefit obligation is
tahun oleh aktuaris yang independen calculated annually by independent
dengan menggunakan metode actuaries using the projected unit credit
projected unit credit. Nilai kini liabilitas method. The present value of the defined
ditentukan dengan mendiskontokan benefit obligation is determined by
38
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
arus kas keluar yang diestimasi dengan discounting the estimated future cash
menggunakan tingkat bunga Obligasi outflows using interest rates of
Pemerintah yang didenominasikan Government Bonds that are denominated
dalam mata uang dimana imbalan akan in the currency in which the benefits will
dibayarkan dan memiliki jangka waktu be paid, and that have terms to maturity
jatuh tempo mendekati jangka waktu approximating to the terms of the related
liabilitas pensiun. pension obligation.
Aset program adalah aset yang dimiliki Plan assets are assets that are held by a
oleh dana imbalan kerja jangka long-term employee benefit fund. Plan
panjang. Aset program tersebut dimiliki assets are held by a separate legal entity
oleh entitas hukum terpisah dan and exist solely to pay or fund employee
didirikan semata-mata untuk membayar benefits and are not available to the
atau mendanai imbalan kerja dan tidak creditors of the Group, nor can they be
boleh dipakai untuk menyelesaikan paid to the Group. Fair value is
liabilitas kepada kreditur Grup dan tidak determined based on market price
dapat dibayarkan kepada Grup. Nilai information.
wajar ditentukan berdasarkan informasi
harga pasar.
Keuntungan dan kerugian aktuarial Actuarial gains and losses arising from
yang timbul dari penyesuaian experience adjustments and changes in
pengalaman dan perubahan asumsi actuarial assumptions are charged or
aktuarial dibebankan atau dikreditkan credited to other comprehensive income
pada penghasilan komprehensif lain and is presented in the equity section.
dan disajikan pada bagian ekuitas.
Biaya jasa lalu diakui segera dalam laba Past-service costs are recognized
rugi konsolidasian. immediately in the consolidated profit or
loss.
Biaya imbalan pasca kerja yang diakui The post-employment benefits expense
selama tahun berjalan terdiri dari biaya recognized during the current year
jasa dalam laba rugi, bunga neto atas consists of service cost in profit or loss,
liabilitas imbalan pasti neto dalam laba net interest on the net defined benefit
rugi, dan pengukuran kembali liabilitas liability in profit or loss and
imbalan pasti neto dalam penghasilan remeasurement of the net defined benefit
komprehensif lain. liabilities in other comprehensive income.
Bunga neto atas liabilitas imbalan pasti Net interest on the net defined benefit
neto merupakan komponen pendapatan liabilities is the interest income
bunga dari aset program, biaya bunga component of plan assets, interest
atas liabilitas imbalan pasti dan bunga expense of defined benefit obligation and
atas dampak batas atas dari aset. interest on the effect of asset ceiling.
Pengukuran kembali liabilitas imbalan Remeasurements of the net defined
pasti neto terdiri atas: benefit liability consists of:
- keuntungan dan kerugian aktuarial; - actuarial gains and losses;
- imbal hasil atas aset program, tidak - return on plan assets, excluding amount
termasuk jumlah yang dimasukkan included in net interest on the net
dalam bunga neto atas liabilitas defined benefit liability; and
imbalan pasti neto; dan
- setiap perubahan dampak batas atas - any changes in effect of the asset
aset, tidak termasuk jumlah yang ceiling, excluding amount including in
dimasukkan dalam bunga neto atas net interest on the net defined benefit
liabilitas imbalan pasti neto. liability.
39
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
iii. Liabilitas jangka panjang lainnya iii. Other long-terms obligations
Beberapa entitas di dalam Grup Some entities within the Group provide
memberikan imbalan jangka panjang other long-term employee benefits
lainnya dalam bentuk cuti berimbalan including long-service leave and jubilee
jangka panjang dan penghargaan awards.
jubilee.
Liabilitas jangka panjang lainnya Other long-term obligation is calculated
dihitung oleh aktuaris independen annualy by independent actuary using
dengan menggunakan metode the projected unit credit method and
projected unit credit dan didiskontokan discounted to present value.
ke nilai kini.
2.v. Perpajakan 2.v. Taxation
Beban pajak terdiri dari pajak kini dan pajak The tax expense comprises current and
tangguhan. Pajak diakui dalam laba rugi deferred tax. Tax is recognized in the
konsolidasian, kecuali jika pajak tersebut consolidated profit or loss, except to the
terkait dengan transaksi atau kejadian yang extent that it relates to items recognized
langsung diakui ke ekuitas. Dalam hal ini, directly in equity. In this case, the tax is also
pajak tersebut masing-masing diakui dalam recognized in other comprehensive income or
penghasilan komprehensif lain atau ekuitas. directly in equity.
Pajak penghasilan tangguhan diakui untuk Deferred income tax is recognized on
semua perbedaan temporer antara dasar temporary differences arising between the tax
pengenaan pajak aset dan liabilitas dengan bases of assets and liabilities and their
nilai tercatatnya pada laporan keuangan. carrying amounts in the financial statements.
Pajak penghasilan tangguhan ditentukan Deferred income tax is determined using tax
dengan menggunakan tarif pajak yang telah rates that have been enacted or substantially
berlaku atau secara substantif telah berlaku enacted as of reporting period and is expected
pada akhir periode pelaporan dan to apply when the related deferred income tax
diharapkan diterapkan ketika aset pajak asset is realized, or the deferred income tax
penghasilan tangguhan direalisasi atau liability is settled.
utang pajak penghasilan tangguhan
diselesaikan.
Aset pajak penghasilan tangguhan diakui Deferred income tax assets are recognized
hanya jika besar kemungkinan jumlah only to the extent that it is probable that future
penghasilan kena pajak di masa depan akan taxable profit will be available against which
memadai untuk dikompensasi dengan the temporary differences can be utilized.
perbedaan temporer yang masih dapat
dimanfaatkan.
Aset dan liabilitas pajak penghasilan Deferred income tax assets and liabilities are
tangguhan dapat saling hapus apabila offset when there is a legally enforceable right
terdapat hak yang berkekuatan hukum untuk to offset current tax assets against current tax
melakukan saling hapus antara aset pajak liabilities and when the deferred income taxes
kini dengan liabilitas pajak kini dan apabila assets and liabilities relate to income taxes
aset dan liabilitas pajak penghasilan levied by the same taxation authority on either
tangguhan dikenakan oleh otoritas the same taxable entity or different taxable
perpajakan yang sama, baik atas entitas entities where there is an intention to settle
kena pajak yang sama ataupun berbeda dan the balances on a net basis.
adanya niat untuk melakukan penyelesaian
saldo-saldo tersebut secara neto.
Koreksi atas utang pajak diakui pada saat Correction to taxation obligations is recorded
Surat Ketetapan Pajak diterima, atau apabila when a tax assessment is received or, if
diajukan keberatan dan/atau banding, maka appealed against, when the result of the
koreksi diakui pada saat keputusan atas appeal is determined.
keberatan dan/atau banding tersebut
diterima.
40
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen juga dapat membentuk Management provides provision for future tax
pencadangan terhadap utang pajak di masa liability at the amount that will be payable to
depan sebesar jumlah yang diestimasikan the tax office on probable tax exposure, based
akan dibayarkan ke kantor pajak jika on assessment as of the date of consolidated
berdasarkan evaluasi pada tanggal laporan statement of financial position. Assumption
posisi keuangan konsolidasian terdapat and estimation used in the provisioning
risiko pajak yang probable. Asumsi dan calculation may involve elements of
estimasi yang digunakan dalam perhitungan uncertainty.
pembentukan cadangan tersebut memiliki
unsur ketidakpastian.
Peraturan perpajakan di Indonesia mengatur Tax regulation in Indonesia determined that
beberapa jenis penghasilan dikenakan pajak certain taxable income is subject to final tax.
yang bersifat final. Pajak final yang Final tax applied to the gross value of
dikenakan atas nilai bruto transaksi tetap transactions is applied even when the parties
dikenakan walaupun atas transaksi tersebut carrying the transaction are recognizing
pelaku transaksi mengalami kerugian. losses.
Pajak final tersebut tidak termasuk dalam Such final tax is not governed by PSAK 212.
lingkup yang diatur oleh PSAK 212. Oleh Therefore, the Group presented all of the final
karena itu, Grup memutuskan untuk tax arising from interest income as a separate
menyajikan beban pajak final sehubungan line item.
dengan pendapatan bunga sebagai pos
tersendiri.
2.w. Akuntansi transaksi syariah 2.w. Accounting for sharia transactions
Perseroan menggunakan PSAK 408 The Company uses PSAK 408 “Accounting
“Akuntansi Transaksi Asuransi Syariah” Sharia Insurance Transactions” to record its
untuk mencatat transaksi asuransi sharia insurance transactions including
syariahnya termasuk dana peserta. Dana participants’ fund. Participants’ fund
peserta merupakan dana Tabarru’ dan dana represents Tabarru’ fund and temporary
syirkah temporer. Pada tanggal syirkah funds. As of December 31, 2023 and
31 Desember 2024 dan 2023, Grup tidak 2024, the Company does not have temporary
memiliki dana syirkah temporer. syirkah funds.
Kontribusi peserta untuk produk asuransi Participant’s contribution for sharia insurance
syariah diakui sebagai pendapatan dana product is recognized as Tabarru’ fund income
Tabarru’ sesuai jangka waktu akad yang based on the underlying term of the contract.
mendasarinya. Dalam laporan laba rugi dan In the consolidated statement profit or loss
penghasilan komprehensif lain and other comprehensive income, contribution
konsolidasian, bagian kontribusi untuk ujroh part for ujroh (fee) as operator is shown as
(fee) sebagai pengelola disajikan oleh part of “Other operating expenses”.
Perseroan sebagai bagian dari akun “Beban
usaha lainnya”.
Surplus yang dapat didistribusikan akan The distributable surplus will be determined
ditetapkan berdasarkan kecukupan based on whether the contribution received
kontribusi yang diterima dan hasil investasi and its related investment return are sufficient
yang terkait cukup untuk menutup beban to cover for the expenses on claims paid and
atas pembayaran klaim dan pembentukan reserve set up. Any excess, after deducting
cadangan. Setiap kelebihan, setelah the portion to repay the loan or qardh from the
dikurangkan dengan porsi untuk membayar Company, if any, will be distributed to the
pinjaman kepada Perseroan atau qardh, jika policyholders, to the Company, and to the
ada, akan dibagikan kepada peserta, Tabarru’ fund in accordance with insurance
Perseroan, dan dana Tabarru’ sesuai contract.
dengan akad kontrak asuransi.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Ketika dana Tabarru’ tidak mencukupi untuk When the Tabarru’ fund is insufficient to cover
menutup klaim yang telah terjadi, Perseroan all claims incurred, the Company will settle
akan memberikan qardh (pinjaman tidak under qardh (non-bearing interest loans). The
berbunga) untuk menyelesaikannya. Pada qardh is to be repaid first when Tabarru’ fund
saat dana Tabarru’ memiliki surplus have an underwriting surplus before the
underwriting, maka qardh akan dibayarkan Company declares the distributable surplus.
terlebih dahulu sebelum Perseroan
menyatakan pembagian surplus yang dapat
didistribusikan.
Dalam laporan posisi keuangan In the consolidated statement of financial
konsolidasian, Perseroan menyajikan dana position, the Company presents Tabarru’ fund
Tabarru’ sebagai bagian dari akun “Utang as part of “Other payables”.
lain-lain”.
Penyisihan teknis diakui pada saat akhir Technical reserve is recognized as expense at
periode pelaporan sebagai beban dalam the end of the reporting period in the
laporan surplus dan defisit underwriting dana statement of underwriting surplus and deficit
Tabarru’. of Tabarru’ fund.
Investasi pada sukuk Investments in sukuk
Pengakuan dan pengukuran Recognition and measurement
Sebelum pengakuan awal, Grup Prior to initial recognition, the Group
menentukan klasifikasi investasi pada sukuk determines the classification of investments in
berdasarkan tujuan investasi Grup. sukuk based on the investment objectives of
the Group.
Grup menentukan klasifikasi investasi pada The Group determines the classification of
sukuk berdasarkan: investments in sukuk by:
- Biaya perolehan - Acquisition cost
Investasi tersebut dimiliki dalam suatu The investments are held within a
model usaha yang bertujuan utama untuk business model whose primary purpose is
memperoleh arus kas kontraktual dan to obtain contractual cash flows and there
terdapat persyaratan kontraktual dalam is a contractual requirement to determine
menentukan tanggal tertentu atas a specific date for the payment of principal
pembayaran pokok dan atau hasilnya. and or result.
Biaya perolehan sukuk termasuk biaya Sukuk acquisition cost including
transaksi dan selisih antara biaya transaction cost and the difference betwen
perolehan dan nilai nominal diamortisasi the acquisition cost and nominal value is
secara garis lurus selama jangka waktu amortized straight-line basis over the term
sukuk dan diakui dalam laba. sukuk and recognized in earnings.
- Diukur pada nilai wajar melalui - Measured at fair value through other
penghasilan komprehensif lain comprehensive income
Investasi tersebut dimiliki dalam suatu The investment is held within a business
model usaha yang bertujuan terutama model whose primary purpose is to obtain
untuk memperoleh arus kas kontraktual contractual require cash flow and selling
dan melakukan penjualan sukuk, terdapat sukuk, there is a contractual requirement
persyaratan kontraktual dalam to determine a certain date for payment of
menentukan tanggal tertentu atas principal and or the result.
pembayaran pokok dan atau hasilnya.
Biaya perolehan sukuk termasuk biaya The cost securities include transaction
transaksi dan selisih antara biaya cost and the difference between the
perolehan dan nilai nominal diamortisasi acquisition cost and nominal value is
secara garis lurus selama jangka waktu amortized stright-line basis over the term
sukuk dan diakui dalam laba. sukuk and recognized in earnings.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Keuntungan atau kerugian dari Gains or losses from changes in fair value
perubahan nilai wajar diakui dalam recognized in other comprehensive
penghasilan komprehensif lain setelah income after taking into account the
memperhitungkan saldo selisih biaya differences between the cost and the
perolehan dan nilai nominal yang belum balance of the nominal value and the
diamortisasi dan saldo akumulasi unamortized balance of accumulated
keuntungan atau kerugian nilai wajar profit or loss of fair value has been
yang telah diakui dalam penghasilan recognized in previous other
komprehensif lain sebelumnya. Ketika comprehensive income. When the sukuk
investasi sukuk dihentikan pengakuannya, investments are derecognized, the
akumulasi keuntungan atau kerugian cumulative gain or loss previously
yang sebelumnya diakui dalam recognized in other comprehensive
penghasilan komprehensif lain income is reclassified to profit or loss.
direklasifikasi ke laba rugi.
- Diukur pada nilai wajar melalui laba rugi - Measured at fair value through profit or
loss
Biaya perolehan sukuk tidak termasuk Sukuk acquisition cost excluding
biaya transaksi, dan selisih antara nilai transaction cost, and the difference
wajar dan jumlah tercatat diakui dalam between the fair value and the carriying
laba rugi. amount is recognized in profit or loss.
Grup mengklasifikasikan investasi sukuk The Group classified investments in sukuk as
sebagai surat berharga yang diukur pada at cost securities at the date of the
biaya perolehan pada tanggal implementasi. implementation.
Penyajian Presentation
Pendapatan investasi dan beban amortisasi Investment income and amortization
disajikan secara neto dalam laba rugi expenses are presented in net amount in the
konsolidasian. consolidated profit or loss.
Reklasifikasi Reclassification
Grup tidak dapat mengubah klasifikasi The Group cannot change investment
investasi, kecuali terdapat perubahan tujuan classification unless there is a change in the
model usaha. business model’s purpose.
Model usaha yang bertujuan untuk Business model that is intended to collect
memperoleh arus kas kontraktual didasarkan contractual cash flow is based on the
pada tujuan investasi yang ditentukan oleh investment purpose set by the Group. The
Grup. Arus kas kontraktual yang dimaksud underlying contractual cash flow is the cash
adalah arus kas bagi hasil dan pokok dari flow from revenue sharing and principal of
Sukuk Mudharabah atau arus kas imbalan Sukuk Mudharabah or benefit cash flow
(consideration/ujrah) dari Sukuk Ijarah. (consideration/ujrah) from Sukuk Ijara. After
Setelah pengakuan awal, jika arus kas initial recognition, if the actual cash flow differs
aktual berbeda dengan tujuan investasi yang from the investment purpose initially set by the
telah ditetapkan, maka Grup menelaah Group, then the Group reconsiders the
kembali konsistensi tujuan investasinya. consequences of the revised investment
purpose.
2.x. Persediaan 2.x. Inventories
Persediaan mencakup kendaraan bermotor Inventories include held-for-sale motor
yang tersedia untuk dijual, perlengkapan vehicles, office supplies and spare parts.
kantor, dan suku cadang. Kendaraan Held-for-sale motor vehicles are used for
bermotor yang tersedia untuk dijual rental vehicles which can be sold immediately,
merupakan kendaraan bekas sewa yang and the sales should be highly probable.
dapat dijual dengan segera, dan Motor vehicles which fulfill the criteria of held-
penjualannya harus sangat mungkin terjadi. for-sale, are measured at lower carrying
Kendaraan bermotor yang memenuhi kriteria amount and net realizable value. At the point
43
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
dimiliki untuk dijual diukur pada nilai yang of recognition, the vehicle is no longer
lebih rendah antara nilai tercatat dan nilai depreciated.
realisasi neto. Pada saat pengakuan,
kendaraan tidak disusutkan lagi.
Persediaan disajikan sebagai bagian dari Inventory is presented as part of “Other
“Aset lain-lain” dalam laporan posisi assets” in the consolidated statement of
keuangan konsolidasian. financial position.
2.y. Biaya emisi penerbitan saham 2.y. Issuance cost on shares issued
Biaya-biaya emisi yang terjadi sehubungan Issuance costs related to offering shares to
dengan penawaran saham kepada the public are deducted directly from the
masyarakat dikurangkan langsung dari hasil proceeds and presented as a deduction on
emisi dan disajikan sebagai pengurang pada Additional Paid in Capital account, as part of
akun Tambahan Modal Disetor, sebagai Equity in the consolidated statement of
bagian dari Ekuitas pada laporan posisi financial position.
keuangan konsolidasian.
2.z. Opsi saham 2.z. Share options
Perseroan memberikan opsi saham kepada The Company granted share options to the
Direksi dan Komisaris selain komisaris Boards of Directors and Commissioners other
independen dan karyawan kunci dalam than independent commissioners and key
Program Management and Employee Stock employees via the Management and
Option Plan (MESOP). Employee Stock Option Plan (MESOP).
Jumlah biaya kompensasi saham dihitung The compensation cost of the option is
pada tanggal diberikannya opsi saham calculated at the grant date of the option using
dengan menggunakan nilai wajar dari opsi the fair value and is recorded under the
saham tersebut dan diakui pada akun “Gaji, account “Salaries, Wages and Employee
Upah dan Kesejahteraan Karyawan” selama Benefits” during the vesting period based on
periode opsi saham berdasarkan program the graded vesting scheme. The accumulation
hak bertingkat (graded vesting scheme). of the compensation cost of the option is
Akumulasi biaya kompensasi saham diakui recognized in “Share Options” account and is
pada akun “Opsi Saham” dan disajikan presented as part of Additional Paid in Capital
sebagai bagian dari akun Tambahan Modal in the Equity section.
Disetor pada bagian Ekuitas.
Nilai wajar dari opsi saham ditentukan The fair value of the share option is computed
berdasarkan hasil penilaian aktuaris based on the calculation of an independent
independen dengan menggunakan metode actuary using the Black-Scholes method.
Black-Scholes.
2.aa. Transaksi dengan pihak-pihak berelasi 2.aa. Transactions with related parties
Grup memiliki transaksi dengan pihak The Group has transactions with related
berelasi, sebagaimana didefinisikan pada parties, as defined on PSAK 224 “Related
PSAK 224 “Pengungkapan Pihak-Pihak Party Disclosures”.
Berelasi”.
Pihak berelasi adalah orang atau entitas A related party is a person or an entity that is
yang terkait dengan entitas yang related to the reporting entity (referred to in
menyiapkan laporan keuangannya (dalam this statement as “reporting entity”):
pernyataan ini dirujuk sebagai “entitas
pelapor”):
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
a. Orang atau anggota keluarga dekatnya a. A person or a close member of that
mempunyai relasi dengan entitas person’s family is related to a reporting
pelapor jika orang tersebut: entity if that person:
i. memiliki pengendalian atau i. has control or joint control over the
pengendalian bersama atas entitas reporting entity;
pelapor;
ii. memiliki pengaruh signifikan atas ii. has significant influence over the
entitas pelapor; atau reporting entity; or
iii. merupakan personil manajemen iii. is a member of the key management
kunci entitas pelapor atau entitas personnel of the reporting entity or of
induk dari entitas pelapor. a parent of the reporting entity.
b. Suatu entitas berelasi dengan entitas b. An entity is related to the reporting entity if
pelapor jika memenuhi salah satu hal it meets one of the following:
berikut:
i. Entitas dan entitas pelapor adalah i. The entity and the reporting entity are
anggota dari kelompok usaha yang members of the same group (meaning
sama (artinya entitas induk, entitas parent entity, subsidiary entity, and
anak, dan sesama entitas anak fellow subsidiaries are related to each
saling berelasi dengan entitas other);
lainnya);
ii. Satu entitas adalah entitas ii. One entity is an associate or joint
asosiasi atau ventura bersama dari venture of the other entity (or an
entitas lain (atau entitas asosiasi associate or joint venture of a member
atau ventura bersama yang of a group of which the other entity is
merupakan anggota suatu a member);
kelompok usaha, di mana entitas
lain tersebut adalah anggotanya);
iii. Kedua entitas tersebut adalah iii. Both entities are joint ventures of the
ventura bersama dari pihak ketiga same third party;
yang sama;
iv. Satu entitas adalah ventura iv. One entity is a joint venture of a third
bersama dari entitas ketiga dan entity, and the other entity is an
entitas yang lain adalah entitas associate of the third entity;
asosiasi dari entitas ketiga;
v. Entitas tersebut adalah suatu v. The entity is a post-employment
program imbalan pasca kerja untuk defined benefit plan for the benefit of
imbalan kerja dari salah satu employees of either the reporting
entitas pelapor atau entitas yang entity, for entity or an entity related to
terkait dengan entitas pelapor. Jika the reporting entity;
entitas pelapor adalah entitas yang
menyelenggarakan program
tersebut, maka entitas sponsor
juga berelasi dengan entitas
pelapor;
vi. Entitas yang dikendalikan atau vi. The entity is controlled or jointly
dikendalikan bersama oleh orang controlled by a person identified in (a);
yang diidentifikasi dalam huruf (a);
vii. Orang yang diidentifikasi dalam vii. A person identified in (a) (i) has
huruf (a) (i) memiliki pengaruh significant influence over the entity or
signifikan atas entitas atau is a member of the key management
merupakan personil manajemen personnel of the entity (or of a parent
kunci entitas (atau entitas induk of the entity); or
dari entitas); atau
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
viii. Entitas, atau anggota dari viii. The entity, or any member of a group
kelompok di mana entitas of which it is a part, provides key
merupakan bagian dari kelompok management personnel services to
tersebut, menyediakan jasa the reporting entity or to the parent of
personil manajemen kunci kepada the reporting entity.
entitas pelapor atau kepada entitas
induk dari entitas pelapor.
Transaksi pihak berelasi adalah suatu A related party transaction is a transfer of
pengalihan sumber daya, jasa atau reasourcea, services or obligations between a
kewajiban antara entitas pelapor dengan reporting entity and a related party, regardless
pihak-pihak berelasi, terlepas apakah ada of whether a price is charge.
harga yang dibebankan
Seluruh transaksi dan saldo yang material All significant transactions and balances with
dengan pihak-pihak berelasi diungkapkan related parties are disclosed in note 39 to the
dalam catatan 39 atas laporan keuangan. financial statements.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties are based on
berdasarkan persyaratan yang disetujui oleh the terms accepted by both parties, which
kedua belah pihak, yang mungkin tidak may not be the same as other transactions
sama dengan transaksi lain yang dilakukan conducted by parties who are not related.
dengan pihak-pihak yang tidak berelasi.
Pemegang saham utama Grup adalah The Group's main shareholders are
PT Pertamina (Persero) yang berada di PT Pertamina (Persero) which is controlled by
bawah pengendalian Pemerintah Republik the Indonesian Government, hence all the
Indonesia, dengan demikian semua instansi government agencies, BUMN, BUMD and
pemerintah, BUMN, BUMD, dan entitas lain other entities where the Government has
dimana Pemerintah memiliki pengendalian control or significant influence, either directly
atau pengaruh signifikan, baik secara or indirectly, are related parties of the Group.
langsung maupun tidak langsung,
merupakan pihak berelasi dengan Grup.
2.ab. Informasi segmen 2.ab. Segments information
Grup menyajikan informasi segmen sesuai The Group presents segment information
PSAK 108, “Segmen Operasi” yang following PSAK 108, “Operating Segment”,
menyajikan informasi yang lebih rinci untuk which provides a more detailed guidance for
pelaporan segmen usaha dan segmen identifying reportable business segments and
geografis. geographical segments.
Grup mengelompokkan kegiatan usahanya The Group classifies its line of business into
ke dalam asuransi dan reasuransi, sewa, insurance and reinsurance, rental and related
dan bisnis terkait, dan lain-lain. business, and others.
Informasi keuangan atas tiap kegiatan usaha Financial information based on such lines of
dimanfaatkan oleh Manajemen untuk business is used by Management in
mengevaluasi kinerja setiap segmen dan evaluating the performance of each segment
menentukan alokasi sumber daya. and determining the allocation of resources.
Pendapatan, beban, hasil, aset, dan liabilitas Segment revenue, expenses, results, assets,
segmen termasuk item-item yang dapat and liabilities include items directly attributable
diatribusikan langsung kepada suatu to a segment as well as those that can be
segmen serta hal-hal yang dapat allocated on a reasonable basis to that
dialokasikan dengan dasar yang sesuai segment. They are determined before the
kepada segmen tersebut. Segmen balances and transactions within the Group
ditentukan sebelum saldo dan transaksi are eliminated.
antar Grup, dieliminasi sebagai bagian dari
proses konsolidasi.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Dalam hal ini, informasi keuangan atas In this regard, the primary financial information
pelaporan segmen disajikan berdasarkan on segment reporting is presented based on
segmen usaha, karena risiko dan imbalan such business segments, since the risks and
dipengaruhi secara dominan oleh jenis-jenis rates of return are affected predominantly by
jasa yang disediakan oleh Grup. Pelaporan the types of services provided by the Group.
segmen kedua ditentukan berdasarkan pada The secondary segment reporting is based on
lokasi geografis. the geographical location.
2.ac. Laba per saham 2.ac. Earnings per share
Laba per saham dihitung dengan membagi Basic earnings per share amounts are
laba tahun berjalan yang dapat diatribusikan computed by dividing the income for the year
kepada pemilik entitas induk dengan jumlah attributable to owners of the parent entity by
rata-rata tertimbang saham biasa yang the weighted average number of ordinary
beredar pada tahun yang bersangkutan. shares outstanding during the year.
Laba per saham dilusian dihitung setelah Diluted earnings per share is computed after
melakukan penyesuaian yang diperlukan making necessary adjustments to the
terhadap jumlah rata-rata tertimbang saham weighted-average number of ordinary shares
biasa yang beredar dengan asumsi bahwa outstanding assuming the full exercise of
semua opsi saham dilaksanakan pada saat employee stock option at time of issuance.
penerbitan.
2.ad. Provisi 2.ad. Provisions
Provisi diakui jika Grup memiliki kewajiban Provisions are recognized when the Group
kini (baik bersifat hukum maupun bersifat have a present obligation (legal or
konstruktif) sebagai akibat peristiwa masa constructive) where, as a result of a past
lalu, besar kemungkinannya penyelesaian event, it is probable that an outflow of
kewajiban tersebut mengakibatkan arus resources embodying economic benefits will
keluar sumber daya yang mengandung be required to settle the obligation and a
manfaat ekonomi dan estimasi yang andal reliable estimate of the amount of the
mengenai jumlah kewajiban tersebut dapat obligation can be made.
dibuat.
Provisi ditelaah pada setiap tanggal Provisions are reviewed at each reporting
pelaporan dan disesuaikan untuk date and adjusted to reflect the current best
mencerminkan estimasi terbaik yang paling estimate. If it is no longer probable that an
kini. Jika tidak lagi terdapat kemungkinan outflow of resources embodying economic
arus keluar sumber daya yang mengandung benefits will be required to settle the
manfaat ekonomi untuk menyelesaikan obligation, the provision is reversed.
kewajiban tersebut, provisi dibatalkan.
2.ae. Kontinjensi 2.ae. Contingencies
Liabilitas kontinjensi diungkapkan, kecuali Unless the possibilty of an outflow of
jika arus keluar sumber daya yang resources embodying economic benefits is
mengandung manfaat ekonomi remote, contingent liabilities are disclosed.
kemungkinannya kecil (remote). Aset Contingent assets are not recognized in the
kontinjensi tidak diakui dalam laporan consolidated financial statements but
keuangan konsolidasian, tetapi diungkapkan disclosed when an inflow of economic benefits
jika terdapat kemungkinan besar (probable) is probable.
arus masuk manfaat ekonomi.
3. Sumber Estimasi Dan Ketidakpastian 3. Source Of Estimation And Uncertainty
Penyusunan laporan keuangan The preparation of the Group is consolidated
konsolidasian Grup mengharuskan financial statements requires management to
manajemen untuk membuat pertimbangan, make judgments, estimates and assumptions
estimasi dan asumsi yang memengaruhi that affect the reported amounts of revenues,
jumlah yang dilaporkan dari pendapatan, expenses, assets and liabilities, and the
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
beban, aset dan liabilitas, dan disclosure of contingent liabilities, at the end
pengungkapan atas liabilitas kontinjensi, of the reporting year. Uncertainty about these
pada akhir tahun pelaporan. Ketidakpastian assumptions and estimates could result in
mengenai asumsi dan estimasi tersebut outcomes that require a material adjustment
dapat mengakibatkan penyesuaian material to the carrying amount of the asset and
terhadap nilai tercatat aset dan liabilitas liability affected in future years.
dalam tahun pelaporan berikutnya.
3.a. Pertimbangan 3.a. Judgments
Pertimbangan berikut ini dibuat oleh The following judgments are made by
Manajemen dalam rangka penerapan Management in the process of applying the
kebijakan akuntansi Grup yang memiliki Group accounting policies that have the most
pengaruh paling signifikan atas jumlah yang significant effects on the amounts recognized
diakui dalam laporan keuangan in the consolidated financial statements:
konsolidasian:
Klasifikasi produk Product classifications
Berdasarkan PSAK 104, “Kontrak Asuransi”, Based on PSAK 104, “Insurance Contract”,
Grup harus mengklasifikasi kontraknya Group should classify its contracts into
menjadi kontrak asuransi atau kontrak insurance contract or investment contract.
investasi. Manajemen telah menganalisis Management has assessed and concluded
dan menyimpulkan bahwa seluruh kontrak that all the contracts issued by the Group are
yang diterbitkan oleh Grup adalah kontrak insurance contracts.
asuransi.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and liabilities
Grup menetapkan klasifikasi atas aset dan The Group determines the classifications of
liabilitas tertentu sebagai aset keuangan dan certain assets and liabilities as financial
liabilitas keuangan dengan assets and financial liabilities by judging if
mempertimbangkan bila definisi yang they meet the definition set forth in PSAK 239.
ditetapkan PSAK 239 dipenuhi. Dengan Accordingly, the financial assets and financial
demikian, aset keuangan dan liabilitas liabilities are accounted for in accordance with
keuangan diakui sesuai dengan kebijakan the Group reffered to accounting policies
akuntansi Grup seperti diungkapkan pada disclosed in Note 2f.
Catatan 2f.
Pajak penghasilan Income tax
Pertimbangan signifikan dilakukan dalam Significant judgment is involved in determining
menentukan provisi atas pajak penghasilan the provision for corporate income tax. There
badan. Terdapat transaksi dan perhitungan are certain transactions and computation for
tertentu yang penentuan pajak akhirnya which the ultimate tax determination is
adalah tidak pasti sepanjang kegiatan usaha uncertain during the ordinary course of
normal. Grup mengakui liabilitas atas pajak business. The Group recognizes liabilities for
penghasilan badan berdasarkan estimasi expected corporate income tax issues based
apakah akan terdapat tambahan pajak on estimates of whether additional corporate
penghasilan badan. income tax will be due.
Pertimbangan signifikan juga dilakukan Significant judgment is also involved to
dalam menentukan jumlah aset pajak determine the amount of deferred tax assets
tangguhan yang dapat diakui, berdasarkan that can be recognized, based upon the likely
waktu dan tingkat keuntungan masa depan timing and the level of future taxable profits
dan strategi perencanaan pajak. together with future tax planning strategies.
Penentuan mata uang fungsional Determination of functional currency
Mata uang fungsional dari Grup adalah mata The functional currency of the Group is the
uang dari lingkungan ekonomi primer currency of the primary economic environment
dimana entitas beroperasi. Mata uang in which each entity operates. It is the
48
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
tersebut adalah mata uang yang currency that mainly influences the revenue
memengaruhi pendapatan dan beban dari and cost of rendering services.
jasa yang diberikan.
3.b. Estimasi dan Asumsi 3.b. Estimates and Assumptions
Asumsi utama masa depan dan sumber The key assumptions concerning the future
utama estimasi ketidakpastian lain pada and other key sources of estimation
akhir tahun pelaporan yang memiliki risiko uncertainty at end of reporting year that has a
signifikan bagi penyesuaian yang material significant risk of causing a material
terhadap nilai tercatat aset dan liabilitas adjustment to the carrying amounts of assets
untuk tahun berikutnya diungkapkan di and liabilities within the next financial year are
bawah ini. disclosed below.
Grup mendasarkan asumsi dan estimasi The Group based its assumptions and
pada parameter yang tersedia pada saat estimates on parameters available when the
laporan keuangan konsolidasian disusun. consolidated financial statements were
Asumsi dan situasi mengenai perkembangan prepared. Existing circumstances and
masa depan mungkin berubah akibat assumptions about future developments may
perubahan pasar atau situasi di luar kendali change due to market changes or
Grup. Perubahan tersebut dicerminkan circumstances arising beyond the control of
dalam asumsi terkait pada saat terjadinya. the Group. Such changes are reflected in the
assumptions when they occur.
Penyisihan kerugian penurunan nilai Allowance for impairment losses
Grup meninjau kembali piutang premi dan The Group reviews premium and cession
sesi, piutang reasuransi dan retrosesi dan receivables, retrocession receivables,
aset keuangan lainnya yang dimiliki pada reinsurance receivable and other financial
setiap tanggal pelaporan untuk menilai assets at each reporting date to assess
apakah penurunan nilai harus diakui dalam whether impairment should be recognized in
laba rugi konsolidasian. Secara khusus, the consolidated profit or loss. In particular,
justifikasi manajemen diperlukan dalam justification by management is required to
mengestimasi jumlah dan waktu arus kas di estimate the amount and timing of future cash
masa mendatang ketika menentukan flows when determining impairment. In the
penurunan nilai. Dalam estimasi arus kas ini, estimation of cash flows, the Group makes the
Grup membuat justifikasi tentang situasi justification of the insurer's financial situation.
keuangan tertanggung atau entitas asuransi. These estimates are based on assumptions
Estimasi-estimasi ini didasarkan pada about a number of factors and actual results
asumsi-asumsi tentang sejumlah faktor dan may differ, as reflected in changes in the
hasil aktual mungkin berbeda, seperti yang provision for impairment in the future.
tercermin dalam perubahan penyisihan
kerugian penurunan nilai tersebut di masa
datang.
Aset reasuransi Reinsurance assets
Aset yang timbul dari kontrak reasuransi dan Assets arising from reinsurance and
retrosesi juga dihitung dengan retrocession contracts are also computed
menggunakan metode di atas. Selain itu, using the methods above. In addition, the
pemulihan aset ini dinilai secara periodik recoverability of these assets is assessed on
untuk memastikan bahwa jumlahnya a periodic basis to ensure that the balance is
mencerminkan jumlah yang pada akhirnya reflective of the amounts that will ultimately be
akan diterima, mempertimbangkan faktor- received, taking into consideration factors
faktor seperti counterparty dan risiko kredit. such as counterparty and credit risk.
Penurunan nilai diakui di mana terdapat Impairment is recognized when there is
bukti objektif bahwa Grup tidak dapat objective evidence that the Group may not
menerima jumlah yang terutang untuk itu receive amounts due to it and these amounts
dan jumlah ini dapat diukur secara andal. can be reliably measured.
49
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Konsolidasian reksadana Consolidated mutual funds
Grup mengonsolidasikan investasi dalam Mutual funds investments in which the Group
reksadananya ketika mempunyai has a controling interest are consolidated.
pengendalian. Pertimbangan signifikan Significant judgement is involved in
digunakan untuk menentukan apakah Grup determining whether or not the Group has
mempunyai pengendalian atas reksadana control over the mutual funds.
tersebut atau tidak.
Penyusutan aset tetap Depreciation of fixed assets
Aset tetap, kecuali tanah, disusutkan dengan The fixed assets, except land, are depreciated
menggunakan metode garis lurus on a straight-line method over their estimated
berdasarkan estimasi masa manfaat useful lives. Management properly estimates
ekonomisnya. Manajemen mengestimasi the useful lives of these fixed assets except
masa manfaat ekonomis aset tetap, kecuali land, to be within 4 to 20 years. Changes in
tanah, antara 4 sampai dengan 20 tahun. the expected level of usage and technological
Perubahan tingkat pemakaian dan development could impact on the economic
perkembangan teknologi dapat useful lives and the residual values of these
memengaruhi masa manfaat ekonomis dan assets, and therefore future depreciation
nilai sisa aset, dan karenanya biaya charges could be revised.
penyusutan masa depan mungkin direvisi.
Estimasi klaim Estimated claims
Perseroan dan entitas anak (TIC dan TRI) The Company and subsidiaries (TIC and TRI)
wajib membentuk cadangan untuk are required to establish reserves for payment
pembayaran klaim yang timbul. Cadangan of claim that arises. These reserves represent
ini merupakan biaya yang diharapkan untuk the expected ultimate cost to settle claims
menyelesaikan klaim yang telah terjadi, occurring prior to, but still outstanding as at
tetapi masih dalam proses pada tanggal the consolidated statement of financial
laporan posisi keuangan konsolidasian. Grup position date. The Group establishes its
menetapkan cadangan berdasarkan jenis reserves by product line, type and extent of
produk, jenis dan periode penjaminan dan coverage and year of occurrence. There are
tahun kejadian. Ada dua kategori cadangan: two categories of reserve: reserves for
cadangan untuk klaim yang sudah reported losses and reserves for incurred but
dilaporkan dan cadangan untuk klaim yang not reported (“IBNR”) losses.
sudah terjadi tetapi belum dilaporkan
(“IBNR”).
Cadangan Grup untuk klaim yang sudah The Group reserves for reported losses are
dilaporkan adalah berdasarkan pada based on estimates of future payments to
estimasi pembayaran di masa mendatang settle reported claims. The Group bases such
untuk menyelesaikan klaim yang sudah estimates on the facts available at the time the
dilaporkan. Grup membuat estimasi tersebut reserves are established.
berdasarkan pada fakta-fakta yang tersedia
pada saat cadangan ditetapkan.
Cadangan untuk klaim yang terjadi tetapi The provision for incurred but not reported
belum dilaporkan (IBNR) dihitung (IBNR) is calculated using insurance technical
menggunakan metode teknis asuransi method based on actuarial assumptions.
dengan menggunakan asumsi aktuaria.
Pengujian kecukupan liabilitas Liability adequacy testing
Pengujian kecukupan liabilitas asuransi yang The liability adequacy testing consists of
meliputi reviu atas cadangan premi dan review on premium reserve and claim reserve
cadangan klaim telah dilakukan dengan has been perform using actuary technical
menggunakan perhitungan teknik aktuarial method which is using the future actuarial
dimana digunakan asumsi dan estimasi assumptions and estimations.
aktuarial masa depan.
50
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan hasil tes kecukupan liabilitas Based on liability adequacy testing at the
pada tanggal pelaporan, liabilitas yang reporting date, the Group’s liabilities are
dicatat oleh Grup telah memadai. Oleh adequate. Therefore, no insurance liability
karena itu, tidak terdapat kekurangan deficiency is to be charged into the current
liabilitas asuransi yang dibebankan ke laba year’s consolidated profit or loss.
rugi konsolidasian tahun berjalan.
Liabilitas imbalan kerja Employee benefits liabilities
Nilai kini liabilitas imbalan kerja tergantung The present value of the employee benefits
pada sejumlah faktor yang ditentukan obligation depends on a few factors that are
dengan menggunakan asumsi aktuarial. determined on an actuarial basis using a
Asumsi yang digunakan dalam menentukan number of assumptions. The assumptions
biaya neto untuk pensiun termasuk tingkat used in determining the net cost for pensions
pengembalian jangka panjang yang include the expected long-term rate of return
diharapkan atas aset program, tingkat on the relevant plan assets, the discount rate
diskonto yang relevan, tingkat kenaikan gaji, future salary increases, mortality rate,
tingkat kematian, tingkat pengunduran diri resignation rate and others. Any changes in
dan lain-lain. Setiap perubahan dalam these assumptions will impact on the carrying
asumsi ini akan berdampak pada nilai amount of employee benefits obligation.
tercatat liabilitas imbalan kerja.
Asumsi tingkat pengembalian yang The expected return on plan assets
diharapkan atas aset program ditentukan assumption is determined on a uniform basis,
secara seragam, dengan taking into consideration long-term historical
mempertimbangkan pengembalian historis returns, asset allocation and future estimates
jangka panjang, alokasi aset dan perkiraan of long-term investment returns.
masa depan atas pengembalian investasi
jangka panjang.
Nilai wajar instrumen keuangan Fair value of financial instruments
Grup mengungkapkan aset dan liabilitas The Group discloses certain financial assets
keuangan tertentu pada nilai wajar, yang and liabilities at their fair values, which
mengharuskan penggunaan estimasi requires the use of accounting estimates.
akuntansi. Sementara komponen signifikan While significant components of fair value
atas pengukuran nilai wajar ditentukan measurement were determined using
menggunakan bukti objektif yang dapat verifiable objective evidence, the amount of
diverifikasi, jumlah perubahan nilai wajar changes in fair values would differ if the Group
dapat berbeda bila Grup menggunakan utilized different valuation methodology.
metodologi penilaian yang berbeda.
Penurunan nilai aset non-keuangan Impairment in value of non-financial assets
Dalam mengidentifikasi terdapat atau In identifying whether there is an impairment
tidaknya penurunan nilai aset, Grup over assets or not, the Group considers the
mempertimbangkan hal-hal berikut ini: following matters:
i. terdapat bukti mengenai keusangan i. there is evidence of obsolescence or
atau kerusakan fisik aset; physical damage to assets;
ii. telah atau akan terjadi perubahan ii. has or will occur detrimental to significant
signifikan yang bersifat merugikan changes with respect to how the assets
sehubungan dengan cara penggunaan used;
aset;
iii. terdapat bukti bahwa kinerja ekonomi iii. there is evidence that the economic
aset tidak memenuhi harapan atau lebih performance of the asset does not meet
buruk dari yang diharapkan; dan expectations or worse than expected;
and
iv. arus kas aktual secara material lebih iv. actual cash flow is materially smaller than
kecil dari arus kas estimasi, sebelum the estimated cash flow, before discount
diperhitungkan diskonto. taken into account.
51
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Sewa Leases
Berdasarkan penelaahan yang dilakukan Based on the review performed by the
oleh Perseroan atas perjanjian-perjanjian Company for the existing agreements,
yang ada, transaksi sewa tersebut accordingly, the rent transactions were
diklasifikasikan sebagai sewa operasi dan classified as operating lease and finance
sewa pembiayaan. lease.
Sewa - Klasifikasi sewa properti – Kelompok Leases - Property lease classification – Group
Usaha sebagai lessor as lessor
Grup telah menandatangani sewa properti The Group has entered commercial property
komersial atas portofolio properti leases on its investment property portfolio.
investasinya. Grup telah menentukan, The Group has determined, based on an
berdasarkan evaluasi terhadap syarat dan evaluation of the terms and conditions of the
ketentuan pengaturan, seperti masa sewa arrangements, such as the lease term not
yang bukan merupakan bagian utama dari constituting a major part of the economic life
kehidupan ekonomi dari properti komersial of the commercial property and the present
dan nilai sekarang dari pembayaran sewa value of the minimum lease payments not
minimum yang tidak berjumlah secara amounting to substantially all of the fair value
substansial seluruhnya dari nilai wajar of the commercial property, that it retains
properti komersial, bahwa ia memiliki secara substantially all the risks and rewards
substansial semua risiko dan manfaat yang incidental to ownership of these properties
terkait dengan kepemilikan properti tersebut and accounts for the contracts as operating
dan mencatat kontrak sebagai sewa operasi. leases.
Sewa - Memperkirakan suku bunga Lease - Estimating the incremental borrowing
pinjaman tambahan rate
Grup tidak dapat langsung menentukan The Group cannot readily determine the
tingkat bunga implisit dalam sewa, oleh interest rate implicit in the lease, therefore, it
karena itu, Grup menggunakan suku bunga uses its incremental borrowing rate (IBR) to
pinjaman tambahan (IBR) untuk mengukur measure lease liabilities. The IBR is the rate
liabilitas sewa. IBR adalah tingkat bunga of interest that the Group would have to pay to
yang harus dibayar oleh Grup untuk borrow over a similar term, and with a similar
meminjam dengan syarat yang sama, dan security, the funds necessary to obtain an
dengan jaminan serupa, dana yang asset of a similar value to the right-of-use
diperlukan untuk memperoleh aset dengan asset in a similar economic environment.
nilai yang sama dengan aset hak guna
dalam lingkup ekonomi yang serupa.
Oleh karena itu, IBR mencerminkan apa The IBR therefore reflects what the Group
yang 'harus dibayar' oleh Grup, yang ‘would have to pay, which requires estimation
memerlukan estimasi ketika tidak when no observable rates are available (such
tersedianya tingkat suku bunga yang dapat as for subsidiaries that do not enter into
diobservasi (seperti untuk entitas-entitas financing transactions) or when they need to
anak yang tidak mengadakan transaksi be adjusted to reflect the terms and conditions
pembiayaan) atau ketika perlu disesuaikan of the lease (for example, when leases are not
untuk mencerminkan syarat dan ketentuan in the subsidiary’s functional currency). The
dari sewa (misalnya, ketika sewa tidak Group estimates the IBR using observable
dalam mata uang fungsional entitas anak). inputs (such as market interest rates) when
Grup mengestimasi IBR menggunakan input available and is required to make certain
yang dapat diamati (seperti tingkat suku entity-specific estimates (such as the
bunga pasar) jika tersedia dan diperlukan subsidiary’s stand-alone credit rating).
untuk membuat estimasi spesifik entitas
tertentu (seperti peringkat kredit entitas anak
yang berdiri sendiri).
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
4. Kas dan Bank 4. Cash On Hand and In Banks
2024 2023
Rp Rp
Kas Cash on hand
Rupiah 67,953 64,922 Rupiah
Dolar Hongkong 63,489 61,315 Hongkong Dollar
Jumlah kas 131,442 126,237 Total cash on hand
Bank Cash in banks
Pihak berelasi (Catatan 39) 210,581,934 303,107,902 Rel at ed part i es (Not e 39)
Pihak ketiga T hi rd part i es
Rupiah Rupiah
PT Bank Permata Tbk 35,487,172 77,327 PT Bank Permata Tbk
PT Bank Mayapada Internasional Tbk 11,200,697 -- PT Bank Mayapada Internasional Tbk
PT Bank Aceh Syariah 5,042,203 -- PT Bank Aceh Syariah
PT Bank Muamalat Indonesia Tbk 3,538,219 4,509,387 PT Bank Muamalat Indonesia Tbk
PT Bank Central Asia Tbk 2,754,800 10,281,169 PT Bank Central Asia Tbk
Citibank NA 2,257,996 15,762,333 Citibank NA
PT Bank Woori Saudara Indonesia 1,103,468 -- PT Bank Woori Saudara Indonesia
PT Bank KB Bukopin Tbk 484,920 1,333,688 PT Bank KB Bukopin Tbk
PT Bank BCA Syariah 321,289 170,789 PT Bank BCA Syariah
PT Bank CIMB Niaga Tbk 198,098 168,207 PT Bank CIMB Niaga Tbk
PT Bank Mega Syariah 121,880 119,411 PT Bank Mega Syariah
PT IBK Indonesia Tbk 80,629 524,474 PT IBK Indonesia Tbk
PT Bank Maybank Indonesia Tbk 966 2,326,378 PT Bank Maybank Indonesia Tbk
Dolar Amerika Serikat United States Dollar
Citibank NA 48,604,362 97,072,348 Citibank NA
Dah Sing Bank Ltd 12,936,023 14,940,964 Dah Sing Bank Ltd
Lloyds Bank 12,774,138 4,263,630 Lloyds Bank
PT Bank Sinarmas Tbk 7,716,857 15,063,826 PT Bank Sinarmas Tbk
PT Bank Mega Tbk 157,024 64,815,002 PT Bank Mega Tbk
PT Bank Permata Tbk 107,666 -- PT Bank Permata Tbk
PT Bank CIMB Niaga Tbk 103,057 100,536 PT Bank CIMB Niaga Tbk
PT Bank Central Asia Tbk 13,653 -- PT Bank Central Asia Tbk
Poundsterling Inggris Great Britain Poundsterling
Lloyds Bank -- 692,537 Lloyds Bank
Yen Jepang Japanese Yen
Citibank NA 1,663,338 1,754,613 Citibank NA
Dolar Singapura Singapore Dollar
Citibank NA 54,928 73,256 Citibank NA
Euro Euro
Citibank NA 563,561 573,210 Citibank NA
Sub-jumlah 147,286,944 234,623,085 Sub-total
Jumlah bank 357,868,878 537,730,987 Total cash in bank
Jumlah kas dan bank 358,000,320 537,857,224 Total cash on hand and in bank
Saldo kas dan bank pada 31 Desember As of December 31, 2024 and 2023, cash on
2024 dan 2023, pada Unit Bisnis Syariah hand and in bank in Sharia Business Unit
masing-masing adalah sebesar amounted to Rp33,324,828 and
Rp33.324.828 dan Rp32.717.537 (Catatan Rp32,717,537, respectively (Note 45).
45).
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties’
transaksi pihak berelasi. balances and transactions.
53
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
5. Investasi 5. Investments
a. Deposito berjangka a. Time deposits
2024 2023
Rp Rp
Pihak berelasi (Catatan 39) 1,718,686,868 2,548,909,034 Related parties (Note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Mega Tbk 115,250,000 155,250,000 PT Bank Mega Tbk
PT Bank Mega Syariah 36,000,000 16,000,000 PT Bank Mega Syariah
PT Bank KB Bukopin Syariah 12,500,000 -- PT Bank KB Bukopin Syariah
PT Bank Maybank Indonesia Tbk 9,500,000 1,500,000 PT Bank Maybank Indonesia Tbk
PT Bank BTPN Syariah Tbk 8,500,000 3,000,000 PT Bank BTPN Syariah Tbk
PT Bank SMBC Indonesia Tbk 5,500,000 -- PT Bank SMBC Indonesia Tbk
PT Bank BCA Syariah 5,500,000 1,000,000 PT Bank BCA Syariah
PT Bank Danamon Indonesia Tbk 5,500,000 5,000,000 PT Bank Danamon Indonesia Tbk
PT Bank CIMB Niaga Tbk 5,100,000 5,600,000 PT Bank CIMB Niaga Tbk
PT Bank Panin Dubai Syariah Tbk 3,500,000 3,500,000 PT Bank Panin Dubai Syariah Tbk
PT Bank Nationalnobu Tbk 2,500,000 -- PT Bank Nationalnobu Tbk
PT Bank Maybank Syariah Indonesia 1,500,000 -- PT Bank Maybank Syariah Indonesia
PT Bank KB Bukopin Tbk -- 10,500,000 PT Bank KB Bukopin Tbk
PT Bank Permata Tbk -- 2,000,000 PT Bank Permata Tbk
Dolar Amerika Serikat United States Dollar
Dah Sing Bank Ltd 154,438,723 112,961,539 Dah Sing Bank Ltd
PT Bank Mega Tbk 40,392,500 46,248,000 PT Bank Mega Tbk
PT Bank Permata Tbk 8,081,000 63,205,600 PT Bank Permata Tbk
Dolar Singapura Singapore Dollar
PT Bank Danamon Indonesia Tbk 1,211,373 1,178,431 PT Bank Danamon Indonesia Tbk
Dolar Hongkong Hongkong Dollar
Dah Sing Bank Ltd 27,179,663 84,685,946 Dah Sing Bank Ltd
Poundsterling Inggris Great Britain Poundsterling
Dah Sing Bank Ltd -- 19,560,970 Dah Sing Bank Ltd
Jumlah pihak ketiga 442,153,259 531,190,486 Total third parties
Jumlah deposito berjangka 2,160,840,127 3,080,099,520 Total time deposit
2024 2023
% %
Tingkat suku bunga per Interest rate per
tahun: annum:
Rupiah 2.50% - 7.50% 2.00% - 7.67% Rupiah
Dolar Amerika Serikat 1.00% - 5.50% 0.75% - 5.8% United States Dollar
Dolar Singapura 0.25% - 1.25% 0.25% - 1.25% Singapore Dollar
Hongkong Dollar 2.40% - 4.12% 2.98%-4.60% Hongkong Dollar
Jumlah deposito berjangka pada Time deposits as of December 31, 2024
31 Desember 2024 dan 2023, di Unit and 2023 in Sharia Business Unit
Bisnis Syariah adalah sebesar amounted to Rp65,944,550 and
Rp65.944.550 dan Rp43.239.400 Rp43,239,400, respectively (Note 45).
(Catatan 45).
Pada tanggal 31 Desember 2024, As of December 31, 2024, included in
termasuk dalam deposito berjangka time deposits are statutory funds of
adalah dana jaminan yang dimiliki oleh sharia business unit amounting to
unit bisnis syariah sebesar Rp5.000.000 Rp5,000,000 (2023: Rp5,000,000).
(2023: Rp5.000.000).
54
Page 565
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Efek-efek b. Marketable securities
2024 2023
Rp Rp
Pihak berelasi (catatan 39) Related parties (note 39)
Nilai wajar melalui laba rugi Fair value through profit or loss
Saham 43,493,757 50,545,416 Shares
Reksadana 124,825,333 119,623,737 Mutual funds
168,319,090 170,169,153
Tersedia untuk dijual Available-for-sale
Saham 74,963,500 76,168,130 Shares
Obligasi 6,106,818,761 4,547,337,890 Bonds
Reksadana 176,676,674 304,864,746 Mutual funds
6,358,458,935 4,928,370,766
Sub-jumlah - pihak berelasi 6,526,778,025 5,098,539,919 Sub total - related parties
Pihak ketiga Third parties
Nilai wajar melalui laba rugi Fair value through profit or loss
Saham 94,601,123 85,758,146 Shares
Reksadana 240,231,148 143,072,853 Mutual funds
334,832,271 228,830,999
Tersedia untuk dijual Available-for-sale
Saham 54,302,492 56,202,265 Shares
Obligasi 370,705,624 230,386,856 Bonds
Reksadana 391,097,102 457,439,326 Mutual funds
816,105,218 744,028,447
Sub-jumlah - pihak ketiga 1,150,937,489 972,859,446 Sub-total - third parties
Jumlah efek-efek 7,677,715,514 6,071,399,365 Total marketable securities
i. Saham i. Shares
Saham yang dimiliki adalah saham The shares are listed in the capital
perusahaan-perusahaan yang market, with details as follows:
tercatat di pasar modal, dengan
rincian sebagai berikut:
31 Desember/December 31, 2024
Jumlah Saham/ Biaya Perolehan/ Nilai Wajar/
Number of Shares Cost Fair Value
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak berelasi (catatan 39) 43,493,757 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 1,105,500 7,772,070 10,695,710 PT Bank Central Asia Tbk
PT Astra International Tbk 1,015,500 7,000,028 4,975,950 PT Astra International Tbk
PT Total Bangun Persada Tbk 3,911,100 3,317,130 2,659,548 PT Total Bangun Persada Tbk
PT United Tractors Tbk 97,700 2,518,935 2,615,918 PT United Tractors Tbk
PT Indofood Sukses Makmur Tbk 315,300 2,194,687 2,427,810 PT Indofood Sukses Makmur Tbk
PT Ciputra Development Tbk 2,272,600 3,227,067 2,227,148 PT Ciputra Development Tbk
PT Indofood CBP Sukses Makmur Tbk 179,300 1,991,653 2,039,538 PT Indofood CBP Sukses Makmur Tbk
PT Sumber Alfaria Trijaya Tbk 589,700 1,742,423 1,680,645 PT Sumber Alfaria Trijaya Tbk
PT Kalbe Farma Tbk 1,219,200 2,025,593 1,658,112 PT Kalbe Farma Tbk
PT Summarecon Agung Tbk 2,819,500 4,422,511 1,381,555 PT Summarecon Agung Tbk
PT Charoen Pokphand Indonesia Tbk 260,600 1,531,491 1,240,456 PT Charoen Pokphand Indonesia Tbk
PT Barito Pacific Tbk 1,100,481 1,099,688 1,012,443 PT Barito Pacific Tbk
PT Bumi Serpong Damai Tbk 995,600 2,060,846 940,842 PT Bumi Serpong Damai Tbk
PT AKR Corporindo Tbk 767,500 1,181,552 859,600 PT AKR Corporindo Tbk
55
Page 566
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2024
Jumlah Saham/ Biaya Perolehan/ Nilai Wajar/
Number of Shares Cost Fair Value
PT Merdeka Copper Gold Tbk 489,099 1,586,893 789,895 PT Merdeka Copper Gold Tbk
PT Matahari Department Store Tbk 358,300 5,277,128 503,412 PT Matahari Department Store Tbk
PT Vale Indonesia Tbk 103,800 393,727 375,756 PT Vale Indonesia Tbk
PT Unilever Indonesia Tbk 72,800 583,836 137,228 PT Unilever Indonesia Tbk
PT Matahari Putra Prima Tbk 1,676,600 3,956,428 108,979 PT Matahari Putra Prima Tbk
PT Bakrieland Development Tbk 4,444,400 399,996 53,333 PT Bakrieland Development Tbk
PT Astra Agro Lestari Tbk 99 1,131 614 PT Astra Agro Lestari Tbk
PT Truba Alam Manunggal PT Truba Alam Manunggal
Engineering Tbk 410,500 411 411 Engineering Tbk
Dolar Hongkong Hongkong Dollar
AIA Group Ltd 110,000 11,205,032 12,878,635 AIA Group Ltd
Power Assets Holdings Ltd 83,000 8,346,572 9,357,681 Power Assets Holdings Ltd
Bank Of China Ltd - H Shares 1,050,000 7,887,519 8,671,029 Bank Of China Ltd - H Shares
China Life Insurance Co Ltd 250,000 11,933,866 7,634,084 China Life Insurance Co Ltd
China Construction Bank Corporation 450,000 6,843,757 6,065,664 China Construction Bank Corporation
Agricultural Bank Of China Ltd 300,000 1,999,645 2,764,495 Agricultural Bank Of China Ltd
Regal Real Estate Investment Trust 2,765,000 13,764,201 2,703,235 Regal Real Estate Investment Trust
Link Real Estate Investment Trust 33,000 5,173,617 2,254,967 Link Real Estate Investment Trust
Hong Kong Exchanges and Clearing Ltd 3,000 3,069,798 1,839,669 Hong Kong Exchanges and Clearing Ltd
MTR Corporation Ltd 26,000 2,496,520 1,465,661 MTR Corporation Ltd
New World Development Co Ltd 54,139 4,719,966 581,100 New World Development Co Ltd
Sub-jumlah 94,601,123 Sub-total
Jumlah nilai wajar melalui laba rugi 138,094,880 Total fair value through profit or loss
Tersedia untuk dijual Available-for-sale
Pihak berelasi (catatan 39) 74,963,500 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 2,611,000 26,358,525 25,261,425 PT Bank Central Asia Tbk
PT Unilever Indonesia Tbk 6,231,400 11,329,165 11,746,189 PT Unilever Indonesia Tbk
PT United Tractors Tbk 262,400 7,662,962 7,025,760 PT United Tractors Tbk
PT Gudang Garam Tbk 209,300 2,929,724 2,778,458 PT Gudang Garam Tbk
PT Sarana Menara Nusantara Tbk 3,758,200 4,239,411 2,461,621 PT Sarana Menara Nusantara Tbk
PT HM Sampoerna Tbk 2,776,600 2,500,203 1,763,141 PT HM Sampoerna Tbk
PT Charoen Pokphand Tbk 350,000 2,298,750 1,666,000 PT Charoen Pokphand Tbk
PT Astra Argo Lestari Tbk 200,111 1,476,819 1,240,688 PT Astra Argo Lestari Tbk
PT Matahari Department Store Tbk 223,600 362,232 314,158 PT Matahari Department Store Tbk
PT Sri Rejeki Isman Tbk 900,000 45,000 45,000 PT Sri Rejeki Isman Tbk
PT Barito Pacific Tbk 56 58 52 PT Barito Pacific Tbk
Sub-jumlah 54,302,492 Sub-total
Jumlah tersedia untuk dijual 129,265,992 Total Available-for-sale
Jumlah saham 267,360,872 Total shares
31 Desember/December 31, 2023
Jumlah Saham/ Biaya Perolehan/ Nilai Wajar/
Number of Shares Cost Fair Value
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak berelasi (catatan 39) 50,545,416 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 1,253,100 8,582,138 11,779,137 PT Bank Central Asia Tbk
PT Astra International Tbk 944,900 6,641,733 5,338,685 PT Astra International Tbk
PT Ciputra Development Tbk 2,272,600 3,227,067 2,658,942 PT Ciputra Development Tbk
PT Kalbe Farma Tbk 1,219,200 2,025,593 1,962,912 PT Kalbe Farma Tbk
PT Summarecon Agung Tbk 2,819,500 4,422,511 1,621,213 PT Summarecon Agung Tbk
PT Total Bangun Persada Tbk 3,911,100 3,317,130 1,470,574 PT Total Bangun Persada Tbk
PT Barito Pacific Tbk 1,098,724 1,099,688 1,461,303 PT Barito Pacific Tbk
PT Sumber Alfaria Trijaya Tbk 475,100 1,408,038 1,392,043 PT Sumber Alfaria Trijaya Tbk
PT Merdeka Copper Gold Tbk 489,099 1,586,893 1,320,567 PT Merdeka Copper Gold Tbk
PT Adaro Energy Indonesia Tbk 553,500 1,629,672 1,317,330 PT Adaro Energy Indonesia Tbk
PT Charoen Pokphand Indonesia Tbk 260,600 1,531,491 1,309,515 PT Charoen Pokphand Indonesia Tbk
PT Bumi Serpong Damai Tbk 995,600 2,060,846 1,075,248 PT Bumi Serpong Damai Tbk
PT United Tractors Tbk 39,700 1,069,972 898,213 PT United Tractors Tbk
PT Matahari Department Store Tbk 358,300 5,277,128 716,600 PT Matahari Department Store Tbk
PT Sarana Menara Nusantara Tbk 650,000 732,973 643,500 PT Sarana Menara Nusantara Tbk
PT Unilever Indonesia Tbk 72,800 583,836 256,984 PT Unilever Indonesia Tbk
PT International Nickel Indonesia Tbk 52,300 366,081 225,413 PT International Nickel Indonesia Tbk
PT Indofood Sukses Makmur Tbk 25,000 195,567 161,250 PT Indofood Sukses Makmur Tbk
PT Bakrieland Development Tbk 4,444,400 399,996 155,554 PT Bakrieland Development Tbk
PT Matahari Putra Prima Tbk 1,676,600 3,956,428 108,979 PT Matahari Putra Prima Tbk
PT Astra Agro Lestari Tbk 99 1,131 695 PT Astra Agro Lestari Tbk
PT Truba Alam Manunggal PT Truba Alam Manunggal
Engineering Tbk 410,500 411 411 Engineering Tbk
PT Sitara Propertindo Tbk 50 6 -- PT Sitara Propertindo Tbk
56
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Jumlah Saham/ Biaya Perolehan/ Nilai Wajar/
Number of Shares Cost Fair Value
Dolar Hongkong Hongkong Dollar
AIA Group Ltd 110,000 10,687,834 14,772,072 AIA Group Ltd
Power Assets Holdings Ltd 83,000 7,961,314 7,411,690 Power Assets Holdings Ltd
Bank Of China Ltd - H Shares 1,050,000 7,523,449 6,174,846 Bank Of China Ltd - H Shares
China Life Insurance Co Ltd 250,000 11,383,026 4,992,765 China Life Insurance Co Ltd
China Construction Bank Corporation 450,000 6,527,865 4,129,391 China Construction Bank Corporation
Regal Real Estate Investment Trust 2,765,000 13,128,878 3,328,477 Regal Real Estate Investment Trust
Link Real Estate Investment Trust 33,000 4,934,815 2,855,644 Link Real Estate Investment Trust
Agricultural Bank Of China Ltd 300,000 1,907,346 1,782,003 Agricultural Bank Of China Ltd
Hong Kong Exchanges and Clearing Ltd 3,000 2,928,104 1,586,634 Hong Kong Exchanges and Clearing Ltd
MTR Corporation Ltd 26,000 2,381,287 1,554,664 MTR Corporation Ltd
New World Development Co Ltd 54,139 4,502,104 1,294,892 New World Development Co Ltd
Sub-jumlah 85,758,146 Sub-total
Jumlah nilai wajar melalui laba rugi 136,303,562 Total fair value through profit or loss
Tersedia untuk dijual Available-for-sale
Pihak berelasi (catatan 39) 76,168,130 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT United Tractors Tbk 312,200 9,240,243 7,063,525 PT United Tractors Tbk
PT Indofood Sukses Makmur Tbk 1,020,300 7,191,901 6,580,935 PT Indofood Sukses Makmur Tbk
PT Unilever Indonesia Tbk 1,720,600 8,237,601 6,073,718 PT Unilever Indonesia Tbk
PT Indofood CBP Sukses Makmur Tbk 539,900 4,689,714 4,947,143 PT Indofood CBP Sukses Makmur Tbk
PT Gudang Garam Tbk 216,000 6,253,736 4,390,201 PT Gudang Garam Tbk
PT Bank Central Asia Tbk 458,200 3,522,896 4,307,080 PT Bank Central Asia Tbk
PT Sarana Menara Nusantara Tbk 4,244,300 4,805,228 4,201,857 PT Sarana Menara Nusantara Tbk
PT Charoen Pokphand Tbk 683,800 4,337,928 3,436,095 PT Charoen Pokphand Tbk
PT HM Sampoerna Tbk 2,981,900 3,071,397 2,668,801 PT HM Sampoerna Tbk
PT Astra International Tbk 286,400 1,807,754 1,618,160 PT Astra International Tbk
PT Astra Argo Lestari Tbk 200,111 1,608,558 1,405,780 PT Astra Argo Lestari Tbk
PT Bumi Serpong Damai Tbk 1,233,000 1,456,531 1,331,640 PT Bumi Serpong Damai Tbk
PT Kalbe Farma Tbk 753,600 1,438,922 1,213,296 PT Kalbe Farma Tbk
PT XL Axiata Tbk 475,900 1,364,609 951,800 PT XL Axiata Tbk
PT Merdeka Copper Gold Tbk 313,400 1,364,809 846,180 PT Merdeka Copper Gold Tbk
PT PP London Sumatra Indonesia Tbk 857,400 994,052 763,086 PT PP London Sumatra Indonesia Tbk
PT Barito Pacific Tbk 562,357 581,246 747,935 PT Barito Pacific Tbk
PT Elang Mahkota Teknologi Tbk 1,036,400 1,618,563 611,476 PT Elang Mahkota Teknologi Tbk
PT Adaro Energy Tbk 251,200 629,810 597,856 PT Adaro Energy Tbk
PT AKR Corporindo Tbk 400,000 540,000 590,000 PT AKR Corporindo Tbk
PT Tower Bersama Infrastructure Tbk 272,900 711,885 570,361 PT Tower Bersama Infrastructure Tbk
PT Vale Indonesia Tbk 111,400 732,631 480,134 PT Vale Indonesia Tbk
PT Matahari Department Store Tbk 223,600 597,012 447,200 PT Matahari Department Store Tbk
PT Indo Tambangraya Megah Tbk 12,200 290,970 312,930 PT Indo Tambangraya Megah Tbk
PT Sri Rejeki Isman Tbk 900,000 45,000 45,000 PT Sri Rejeki Isman Tbk
PT Medco Energi Internasional Tbk 66 39 76 PT Medco Energi Internasional Tbk
Sub-jumlah 56,202,265 Sub-total
Jumlah tersedia untuk dijual 132,370,395 Total Available-for-sale
Jumlah saham 268,673,957 Total shares
ii. Obligasi ii. Bonds
Tingkat
bunga per
Tanggal Thn (%)/
jatuh tempo/ Interest rate Peringkat/Rating Nilai wajar/Fair value
Maturity date per annum (%) 2024 2023 2024 2023
Tersedia untuk dijual/
Available-for-sale
Pihak berelasi (catatan 39)/
Related parties (note 39)/ 6,106,818,761 4,547,337,890
Pihak ketiga/Third parties
Rupiah/ Rupiah
Obligasi Berkelanjutan I Dian Swastatika 5 Juni 2029/ 9.00% AA -- 62,365,186 --
Sentosa Thp II Th 2024 Seri C June 5, 2029
Obligasi Berkelanjutan II 29 Maret 2027/ 7.00% AA AA 59,320,638 29,318,405
Mayora Indah Tahap II Tahun 2022 Seri A March 29 , 2027
MTN III SNP Th 2017 Sr B 13 November 2019/ 12.13% Default Default 50,000,000 50,000,000
November 13, 2019
MTN VI Sunprima Nusantara 7 Maret 2020/ 10.50% Default Default 50,000,000 50,000,000
Pembiayaan Thp I Thn 2018 Sr B March 7, 2020
Obligasi Subordinasi Berkelanjutan IV 8 Oktober 2024/ 7.25% AA -- 40,362,400 --
Bank Panin Thp II Thn 2024 October 8, 2024
57
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Sukuk Ijarah Berkelanjutan III 1 September 2027/ 7.40% AAA AAA 40,108,251 40,375,925
XL Axiata Thp I Thn 2022 Sr B September 1, 2027
Obligasi Berkelanjutan VI Tower Bersama 16 Februari 2025/ 6.75% AA+ -- 29,978,163 --
Infrastructure Tahap III Tahun 2024 February 16, 2025
Obligasi Berkelanjutan II 1 September 2027/ 7.40% AAA AAA 26,237,640 26,231,140
XL Axiata Tahap I Tahun 2022 Seri B September 1, 2027
MTN III SNP Th 2017 Sr A 30 Oktober 2018/ 12.50% Default Default 25,000,000 25,000,000
October 30, 2018
Obligasi Berkelanjutan II 1 September 2025 / 6.75% AAA AAA 18,979,860 18,932,550
XL Axiata Tahap I Tahun 2022 Seri A September 1, 2025
Obligasi Subordinasi Berkelanjutan 13 November 2026/ 9.25% AA AA 18,509,245 18,696,404
Bank UOB Indonesia Thp II Thn 2019 November 13, 2026
MTN VI Sunprima Nusantara 23 September 2019/ 10.25% Default Default 18,000,000 18,000,000
Pembiayaan Thp I Thn 2018 Sr C September 23, 2019
Obligasi Berkelanjutan V Adira 22 Maret 2025/ 5.60% AAA AAA 17,781,120 17,814,780
Finance Thp III Thn 2022 Sr B March 22, 2025
Obligasi Berkelanjutan IV Bank Panin 8 Oktober 2029/ 7.25% AA -- 17,489,981 --
Tahap II Tahun 2024 October 8, 2029
Obligasi Berkelanjutan V Federal 25 Maret 2025/ 5.60% AAA AAA 13,964,020 13,777,260
International Finance Thp III Thn 2022 Sr B March 25, 2025
Sukuk Mudharabah Berkelanjutan I Dian 5 Juni 2029/ 9.00% AA -- 10,394,195 --
Sentosa Thp II Th 2024 Seri C June 5, 2029
Obligasi Berkelanjutan V Astra 22 Maret 2025/ 5.70% AAA AAA 9,986,000 9,887,800
Sedaya Finance Thp IV Th 2022 Sr B March 22, 2025
Sukuk Ijarah Berkelanjutan I XL 28 April 2027/ 9.40% AAA AAA 5,228,925 5,350,243
Axiata Thp II Thn 2017 Sr E April 28, 2027
Obligasi Berkelanjutan V Astra 22 Oktober 2024/ 5.30% AAA AAA -- 19,854,800
Sedaya Finance Thp III Thn 2021 Sr B October 22, 2024
Obligasi Subordinasi Berkelanjutan II 17 Maret 2024/ 10.25% A+ A+ -- 10,056,486
Bank Panin Thp II Thn 2017 March 17, 2024
Obligasi Subordinasi Berkelanjutan I 17 Oktober 2024, 9.25% AA AA -- 9,132,892
Bank UOB Indonesia Tahap II Tahun 2017 October 17, 2024
Obligasi Berkelanjutan V Federal 5 Maret 2024 / 6.00% AAA AAA -- 8,993,250
International Finance Thp V Thn 2023 Sr A March 5, 2024
Sukuk Ijarah Orchid Realty I 31 Mei 2019/ 14.00% Default Default -- 4,680,384
May 31, 2019
Sub - jumlah/ Sub - Total 513,705,624 376,102,319
Dikurangi penyisihan kerugian penurunan nilai - pihak ketiga/
Less allowance for impairment losses - third parties (143,000,000) (145,715,463)
Jumlah pihak ketiga/
Total third parties 370,705,624 230,386,856
Jumlah tersedia untuk dijual//
Total available-for-sale 6,477,524,385 4,777,724,746
Jumlah - neto/ Total - net 6,477,524,385 4,777,724,746
2024 2023
% %
Tingkat bunga per tahun Interest rate per annum
Rupiah 4.88%-11.00% 5.30%-11.00% Rupiah
Dolar Amerika Serikat 2.55%-7.75% 2.55%-7.75% United States Dollar
Perubahan penyisihan kerugian Changes in the allowance for
penurunan nilai pada obligasi impairment losses on bonds are as
adalah sebagai berikut: follows:
2024 2023
Rp Rp
Obligasi Bonds
Saldo awal tahun 145,715,463 145,715,463 Balance at beginning year
Reklasifikasi (2,715,463) -- Reclasification
Saldo akhir tahun 143,000,000 145,715,463 Balance at end of year
Jumlah Surat berharga dalam Securities in the form of sukuk as of
bentuk sukuk pada 31 Desember December 31, 2024 and 2023 in the
2024 dan 2023, pada Unit Bisnis Sharia Business Unit amounted to
Syariah masing-masing sebesar Rp39,875,440 and Rp30,123,970,
Rp39.875.440 dan Rp30.123.970 respectively (Note 45).
(Catatan 45).
58
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2024, As of December 31, 2024, bonds
termasuk dalam obligasi include bonds placed as statutory
adalah obligasi yang ditempatkan funds amounted to Rp70,162,000
sebagai Dana jaminan (2023: Rp65,416,000).
sebesar Rp70.162.000 (2023:
Rp65.416.000).
Peringkat untuk efek-efek Rupiah Ratings for Rupiah securities is
adalah berdasarkan peringkat yang based on ratings issued by
dikeluarkan PT Pemeringkat Efek PT Pemeringkat Efek Indonesia
Indonesia (Pefindo). (Pefindo).
Peringkat untuk efek-efek AS$ Ratings for US$ securities are based
adalah berdasarkan peringkat yang on ratings issued by Fitch.
dikeluarkan Fitch.
iii. Reksadana iii. Mutual funds
2024 2023
Rp Rp
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak berelasi (catatan 39) 124,825,333 119,623,737 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
Ashmore Dana Ekuitas Nusantara 63,482,864 -- Ashmore Dana Ekuitas Nusantara
ETF Premier IDX 30 41,924,620 -- ETF Premier IDX 30
ETF Premier Sri-Kehati 38,986,338 24,401,635 ETF Premier Sri-Kehati
BNP Paribas Sri-Kehati 35,740,572 -- BNP Paribas Sri-Kehati
Reksa Dana Indeks Panin IDX 30 Kelas A 22,761,484 -- Reksa Dana Indeks Panin IDX 30 Kelas A
Schroder Dana Prestasi Plus 22,677,458 Schroder Dana Prestasi Plus
ETF Premier LQ-45 9,035,734 -- ETF Premier LQ-45
Reksadana Pacific Money Market 5,622,078 5,346,598 Reksadana Pacific Money Market
Shinhan Money Market Fund -- 31,862,522 Shinhan Money Market Fund
Sucorinvest Money Market Fund -- 32,210,246 Sucorinvest Money Market Fund
Trim Kas 2 -- 21,084,568 Trim Kas 2
Ashmore Saham Sejahtera Nusantara -- 17,809,238 Ashmore Saham Sejahtera Nusantara
Syailendra Dana Kas -- 10,358,046 Syailendra Dana Kas
Sub - jumlah 240,231,148 143,072,853 Sub - total
Jumlah nilai wajar melalui laba rugi 365,056,481 262,696,590 Total fair value through profit or loss
Tersedia untuk dijual Available-for-sale
Pihak berelasi (catatan 39) 176,676,674 304,864,746 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
Syailendra Pendapatan Tetap Premium 131,343,450 101,380,506 Syailendra Pendapatan Tetap Premium
Syailendra MSCI Indonesia Fund Index 61,091,078 33,189,621 Syailendra MSCI Indonesia Fund Index
Reksadana Penyertaan Terbatas Reksadana Penyertaan Terbatas
Manulife Obligasi Unggulan Kelas A 47,266,117 48,592,915 Manulife Obligasi Unggulan Kelas A
Reksadana STAR Stable Income Fund 26,042,318 -- Reksadana STAR Stable Income Fund
Reksadana Trimegah Fixed Income Plan 24,851,308 -- Reksadana Trimegah Fixed Income Plan
Reksadana Ashmore Dana Obligasi Reksadana Ashmore Dana Obligasi
Unggulan Nusantara 18,854,084 19,173,848 Unggulan Nusantara
Premier ETF IDX 30 17,722,470 114,905,792 Premier ETF IDX 30
Reksadana Indeks Batavia IDX30 ETF 17,215,500 35,342,619 Reksadana Indeks Batavia IDX30 ETF
Reksadana Indeks Batavia Sri Kehati ETF 14,421,000 9,760,000 Reksadana Indeks Batavia Sri Kehati ETF
Reksadana Trimegah Dana Reksadana Trimegah Dana
Tetap Syariah 10,584,644 -- Tetap Syariah
Reksadana Avrist Prime Income Fund 10,258,783 10,124,643 Reksadana Avrist Prime Income Fund
Reksadana Penyertaan Terbatas Reksadana Penyertaan Terbatas
Batavia Dana Obligasi Ultima 9,973,158 10,056,037 Batavia Dana Obligasi Ultima
59
Page 570
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Reksadana Avrist Ada Obligasi Berlian 9,537,499 9,761,057 Reksadana Avrist Ada Obligasi Berlian
Reksa Dana Avrist Reksa Dana Avrist
Ada Saham Blue Safir Kelas A 8,942,437 -- Ada Saham Blue Safir Kelas A
Reksadana Panin Dana Prima 1,710,134 1,908,558 Reksadana Panin Dana Prima
Reksadana SAM Indonesia Equity Fund 1,283,122 1,253,899 Reksadana SAM Indonesia Equity Fund
ETF Premier LQ-45 -- 31,172,112 ETF Premier LQ-45
Tram Consumption Plus Kelas A -- 20,571,611 Tram Consumption Plus Kelas A
Batavia Smart Liquid ETF -- 10,246,108 Batavia Smart Liquid ETF
Sub - jumlah 411,097,102 457,439,326 Sub - total
Cadangan kerugian penurunan nilai (20,000,000) -- Allowances for impairment losses
Jumlah tersedia untuk dijual 567,773,776 762,304,073 Total available-for-sale
Jumlah reksadana 932,830,257 1,025,000,663 Total mutual fund
Lihat Catatan 39 untuk rincian Refer to Note 39 for details of
saldo dan transaksi pihak berelasi. related parties balances and
transactions.
c. Penyertaan langsung c. Direct participations
Persentase kepemilikan/
Percentage of ownership
31 Desember/ December 31 31 Desember/December 31
Nama Entitas/Name of Entity 2024 2023 2024 2023
PT Reasuransi Maipark Indonesia 14.83% 14.83% 28,009,206 28,009,206
PT Pemeringkat Efek Indonesia 0.10% 0.10% 10,000 10,000
PT Asuransi Staco Mandiri 0.00% 5.28% -- 8,235,017
Jumlah 28,019,206 36,254,223
PT Reasuransi Maipark Indonesia PT Reasuransi Maipark Indonesia
Pada tahun 2003, Perseroan In 2003, the Company acquired 11.78%
mengakuisisi 11,78 % kepemilikan share ownership and voting rights of
saham dan hak suara PT Asuransi PT Asuransi Maipark Indonesia (Formerly
Maipark Indonesia (Dahulu bernama named Special Risk Insurance Company)
Perusahaan Asuransi Risiko Khusus) with the amount paid was
dengan jumlah yang dibayarkan adalah Rp 5,100,000.
sebesar Rp5.100.000.
Pada tahun 2023, Perseroan melakukan In 2023, the Company increased its share
penambahan kepemilikan saham ownership by 1,145 shares with
sebanyak 1.145 lembar saham dengan a purchase value of Rp1,750,094 so
nilai pembelian Rp1.750.094 sehingga that the Company's share ownership
porsi kepemilikan saham Perusahaan portion became 14.83% as of
menjadi 14,83 % pada 31 Desember December 31, 2023. This share transfer
2023. Pengalihan saham ini telah has been notarized by Notarial Deed
diaktakan dengan Akta Notaris No 2, No 2, dated January 3, 2023.
tertanggal 3 Januari 2023.
PT Asuransi Staco Mandiri PT Asuransi Staco Mandiri
Pada tahun 1996, Perseroan melalui In 1996, the Company through its
anak usahanya, PT Tugu Pratama subsidiary, PT Tugu Pratama Interindo
Interindo memperoleh kepemilikan acquired share ownership and voting
saham dan hak suara di PT Asuransi rights in PT Asuransi Staco Indonesia
Staco Indonesia dengan nilai akuisisi with an acquisition value of Rp385,000.
sebesar Rp385.000.
60
Page 571
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 7 Agustus 2024. In August 7, 2024, , the Company
Perseroan melalui anak usahanya, through its subsidiary, PT Tugu Pratama
PT Tugu Pratama Interindo melakukan Interindo, transferred all of the its shares
pelepasan kepada PT Capital Investasi to PT Capital investasi Indonesia at a
Indonesia keseluruhan saham yang value per share of Rp1,017,985 (full
dimiliki dengan nilai per lembar sebesar amount).
Rp1.017.985 (nilai penuh)
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 dan 2023, the
2023, persentase kepemilikan Company's ownership percentage in PT
Perseroan di PT Asuransi Staco Asuransi Staco Indonesia is Nil and
Indonesia masing-masing sebesar Nihil 5.28%, respectively.
dan 5,28%.
PT Pemeringkat Efek Indonesia PT Pemeringkat Efek Indonesia
Pada tahun 2017, Perusahaan melalui In 2017, the Company through its
anak usahanya, PT Tugu Pratama subsidiary, PT Tugu Pratama Interindo
Interindo mengakuisisi 0,1% acquired 0.1% share ownership of
kepemilikan saham PT Pemeringkat PT Pemeringkat Efek Indonesia.
Efek Indonesia.
Grup melakukan evaluasi atas investasi The Group evaluated its long term
jangka panjang saham yang tidak investment in shares with no quoted
tersedia nilai pasarnya dan Manajemen market price and the Management
berpendapat bahwa tidak terdapat believe that there is no indication of
indikasi penurunan nilai atas penyertaan impairment on direct participations.
langsung tersebut.
d. Investasi pada entitas asosiasi d. Investment in associates
Persentase kepemilikan/
Percentage of ownership
31 Desember/ December 31 31 Desember/December 31
Nama Entitas/Name of Entity 2024 2023 2024 2023
PT Asuransi Samsung Tugu 30.00% 30.00% 177,265,802 166,639,022
Jumlah 177,265,802 166,639,022
Mutasi investasi dengan metode Changes in investments under the equity
ekuitas: method:
2024 2023
Rp Rp
PT Asuransi Samsung Tugu PT Asuransi Samsung Tugu
Saldo awal 166,639,022 162,313,843 Beginning balance
Bagian laba bersih entitas asosiasi 11,366,384 7,763,237 Share of associated net income
Selisih transaksi perubahan Differences from changes of
ekuitas yang berasal dari equity due to change of fair
perubahan nilai wajar aset value available-for-sale
keuangan tersedia untuk dijual (882,214) (138,188) marketable securities
Pengukuran kembali atas Remeasurement of employee
liabilitas imbalan kerja 142,610 109,688 benefits liability
Penerimaan dividen -- (3,409,558) Dividend received
Saldo akhir 177,265,802 166,639,022 Ending balance
Total aset, total liabilitas, dan total laba The total assets, liabilities, and income
tahun berjalan dari entitas asosiasi for the year of the associates are as
adalah sebagai berikut: follows:
61
Page 572
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Jumlah aset 1,374,885,577 1,334,933,922 Total assets
Jumlah liabilitas 939,597,754 935,068,701 Total liabilities
Jumlah laba tahun berjalan 35,422,602 25,877,456 Total income for the year
e. Akumulasi perubahan nilai wajar efek e. Accumulated changes in fair values of
yang tersedia untuk dijual available-for-sale
Akumulasi perubahan dan perubahan Accumulated changes and changes for
tahun berjalan nilai wajar efek yang the year in fair values of available-for-sale
tersedia untuk dijual Grup adalah marketable securities of the Group are as
sebagai berikut: follows:
2024 2023
Rp Rp
Perubahan nilai wajar (121,996,207) 39,420,023 Changes in fair value
Pajak penghasilan terkait pos Income tax related to items
yang akan direklasifikasi ke laba rugi 6,722,643 (4,506,593) that will be reclassified to profit or loss
(115,273,564) 34,913,430
Kenaikan yang diatribusikan Increase attributable
kepada non pengendali 11,294,971 230,975 to controling interest
(103,978,593) 35,144,405
Saldo awal 8,409,087 (26,735,318) Beginning balance
Saldo akhir (95,569,506) 8,409,087 Ending balance
f. Properti investasi f. Investment properties
31 Desember/December 31, 2024
Dampak
Selisih translasi
penyesuaian laporan
nilai wajar/ keuangan/
Differences Effect on
Saldo awal/ arising financial Saldo akhir/
Beginning Penambahan/ Pengurangan/ from fair value statement Reklasifikasi/ Ending
balance Additions Deductions adjustment translation Reclasification balance
Nilai wajar Fair value
Tanah 816,147,989 -- -- (9,957,826) -- -- 806,190,163 Land
Gedung dan fasilitas 1,501,479,379 -- -- (15,360,994) (221,543) (1,112,143,612) 373,753,230 Building and facilities
Jumlah 2,317,627,368 -- -- (25,318,820) (221,543) (1,112,143,612) 1,179,943,393 Total
Nilai buku neto 2,317,627,368 1,179,943,393 Net book value
31 Desember/December 31, 2023
Dampak
Selisih translasi
penyesuaian laporan
nilai wajar/ keuangan/
Differences Effect on
Saldo awal/ arising financial Saldo akhir/
Beginning Penambahan/ Pengurangan/ from fair value statement Reklasifikasi/ Ending
balance Additions Deductions adjustment translation Reclasification balance
Nilai wajar Fair value
Tanah 816,480,241 -- -- (332,252) -- -- 816,147,989 Land
Gedung dan fasilitas 1,476,397,754 111,869 -- 25,037,841 (68,085) -- 1,501,479,379 Building and facilities
Jumlah 2,292,877,995 111,869 -- 24,705,589 (68,085) -- 2,317,627,368 Total
Nilai buku neto 2,292,877,995 2,317,627,368 Net book value
Pendapatan sewa dari properti investasi Rental income from subsidiary’s
entitas anak sebesar Rp103.684.334 investment property amounting to
untuk tahun yang berakhir pada tanggal Rp103,684,334 for the year ended
31 Desember 2024 dicatat sebagai December 31, 2024 were recorded as
pendapatan usaha sewa di dalam akun rental business income in account “Other
“Pendapatan usaha lainnya” (2023: operating revenue” (2023:
Rp66.682.536). Rp66,682,536).
62
Page 573
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Grup telah melakukan penilaian fair The Group performed valuation of fair
value atas properti investasi value on the investment property based
berdasarkan hasil penilaian yang on valuation carried out by Registered
dilakukan oleh Kantor Jasa Penilai Public Appraisers (KJPP) Ruky Safrudin
Publik (KJPP) Ruky Safrudin & Rekan, & Rekan, an independent appraiser, for
penilai independen, untuk tanggal December 31, 2024, and 2023. Based on
31 Desember 2024 dan 2023. the valuation reports, the value of the
Berdasarkan hasil penilaian tersebut, Group’s investment in properties
nilai properti investasi Grup adalah amounted to Rp1,179,943,393 and
sebesar Rp1.179.943.393 dan Rp2,317,627,368 as of December 31,
Rp2.317.627.368 masing-masing pada 2024 and 2023, respectively. The
tanggal 31 Desember 2024 dan 2023. valuation performed was based on cost
Penilaian dilakukan berdasarkan and revenue method.
metode biaya dan pendapatan.
Selisih penyesuaian nilai wajar properti Difference arising from fair value
investasi untuk tahun yang berakhir adjustment on investment properties for
pada tanggal 31 Desember 2024 dan the year ended December 31, 2024 and
2023 dicatat sebagai bagian dari 2023 were recorded as part of
“Pendapatan Investasi” (Catatan 33) “Investment Income” (Note 33) in the
pada laba (rugi) adalah masing-masing profit or (loss) amounted to
sebesar (Rp25.318.820) dan (Rp25,318,820) and Rp24,705,589,
Rp24.705.589. respectively.
Pada tanggal 31 Desember 2024 dan On December 31, 2024 and 2023,
2023, properti investasi diasuransikan investment properties are covered by
terhadap risiko kerugian akibat insurance against losses by fire and other
kebakaran dan risiko lainnya bersama risks together with fixed assets (Note 10).
dengan aset tetap (Catatan 10). Management believes that the sum
Manajemen berpendapat bahwa nilai insured is adequate to cover all possible
pertanggungan tersebut cukup untuk losses.
menutup kemungkinan kerugian atas
properti investasi yang
dipertanggungkan.
Grup menyajikan nilai wajar atas The Group presents the fair value of the
properti investasi berdasarkan hierarki investment property based on fair value
nilai wajar tingkat 3. hierarchy level 3.
6. Piutang Premi Dan Sesi 6. Premium And Cession Receivables
2024 2023
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 629,701,248 646,314,588 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Indonesia 158,412,175 154,264,626 PT Marsh Indonesia
PT Lion Mentari 78,701,253 54,087,649 PT Lion Mentari
PT Aon Indonesia 65,200,452 240,884,122 PT Aon Indonesia
PT Batik Air 39,991,854 2,576,450 PT Batik Air
PT Bolttech Device Protection Indonesia 34,285,092 -- PT Bolttech Device Protection Indonesia
63
Page 574
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
PT Paib Indonesia 30,078,843 27,844,850 PT Paib Indonesia
PT Super Air Jet 27,941,290 1,511,349 PT Super Air Jet
PT Jawa Satu Power 27,873,887 165,389,682 PT Jawa Satu Power
PT Willis Towers Watson PT Willis Towers Watson
Insurance Broker Indonesia 25,976,963 33,427,080 Insurance Broker Indonesia
PT Wings Abadi 20,427,665 1,623,708 PT Wings Abadi
PT BBN Airlines Indonesia 20,260,956 13,953,418 PT BBN Airlines Indonesia
PT Mitra Iswara & Rorimpandey 17,267,404 25,332,876 PT Mitra Iswara & Rorimpandey
PT Kalibesar Raya Utama 14,261,917 11,372,026 PT Kalibesar Raya Utama
PT Travira Air 13,563,708 11,517,139 PT Travira Air
Medco E&P Natuna Ltd 12,612,567 -- Medco E&P Natuna Ltd
PT National Insurance Brokers 8,321,186 -- PT National Insurance Brokers
PT Sedana Pasifik Servistama 7,840,413 5,874,990 PT Sedana Pasifik Servistama
PT Estika Jasatama 7,120,880 2,193,832 PT Estika Jasatama
PT Fresnel Perdana Mandiri 6,948,700 9,379,319 PT Fresnel Perdana Mandiri
PT Indobaruna Bulk Transport 4,847,098 4,119,381 PT Indobaruna Bulk Transport
PT Mitra Harmoni Insurance Brokers 4,122,958 2,744,866 PT Mitra Harmoni Insurance Brokers
PT Adonai Pialang Asuransi 4,065,180 2,216,966 PT Adonai Pialang Asuransi
BP Berau Ltd 3,992,657 -- BP Berau Ltd
Trans-Pacific Petrochemical Indotama 3,797,112 24,218,613 Trans-Pacific Petrochemical Indotama
PT Golden Ocean Line 3,635,616 3,459,374 PT Golden Ocean Line
PT Tri Dharma Proteksi 3,271,793 3,121,740 PT Tri Dharma Proteksi
PT IBS Insurance Broking Service 3,146,799 3,769,159 PT IBS Insurance Broking Service
PT Bormindo Nusantara 2,825,746 4,702,256 PT Bormindo Nusantara
PT Liberty & General Risk Services 2,748,829 6,437,663 PT Liberty & General Risk Services
PT Krida Upaya Tunggal 2,132,831 1,573,311 PT Krida Upaya Tunggal
PT Sayap Garuda Indah 2,038,163 2,703,855 PT Sayap Garuda Indah
PT Daidan Utama Pialang Asuransi 1,917,732 2,122,941 PT Daidan Utama Pialang Asuransi
PT Indosurance Broker Utama 1,878,817 1,821,745 PT Indosurance Broker Utama
PT Pertamina EP - TAC PT Pertamina EP - TAC
Pertalahan Arnebatara Natuna 1,512,069 1,442,722 Pertalahan Arnebatara Natuna
PT Menzies Aviation Indonesia 1,403,485 1,302,513 PT Menzies Aviation Indonesia
Minarak Brantas Gas, INC 1,363,247 1,300,725 Minarak Brantas Gas, INC
PT Howden Insurance Brokers Indonesia 1,321,228 2,181,701 PT Howden Insurance Brokers Indonesia
Mega Auto Finance 1,128,191 984,793 Mega Auto Finance
PT Pura Wisata Baruna 1,074,457 1,574,270 PT Pura Wisata Baruna
PT Shinta Inserve 610,242 2,522,753 PT Shinta Inserve
Bussan Auto Finance 571,781 3,048,109 Bussan Auto Finance
PT Sinergi Adi Utama 484,382 1,478,942 PT Sinergi Adi Utama
PT Indonesia Marowali Industrial Park 403,273 2,391,715 PT Indonesia Marowali Industrial Park
PT Mitra Cipta Proteksindo 247,371 3,227,846 PT Mitra Cipta Proteksindo
PT Weststar Aviation Services 178,162 3,367,169 PT Weststar Aviation Services
PT Axle Asia 118,122 6,363,705 PT Axle Asia
Paxocean Singapore Pte Ltd -- 12,173,872 Paxocean Singapore Pte Ltd
PT Talisman Insurance Brokers -- 3,314,152 PT Talisman Insurance Brokers
PT Nomad Aviation Indonesia -- 1,752,011 PT Nomad Aviation Indonesia
PT Fistlight Indonesia -- 1,383,612 PT Fistlight Indonesia
PT Antara Intermediary Indonesia -- 1,368,759 PT Antara Intermediary Indonesia
Lainnya (dibawah Rp1.000.000) 68,512,743 61,724,602 Others (below Rp1,000,000)
Sub-jumlah 740,437,289 937,148,957 Sub-total
Jumlah Perseroan 1,370,138,537 1,583,463,545 Total The Company
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (22,516,416) (41,085,474) for impairment losses
Jumlah Perseroan - neto 1,347,622,121 1,542,378,071 Total Company - net
64
Page 575
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 23,468,301 59,666,892 Related parties (note 39)
Pihak ketiga Third parties
PT Esa Bina Sejati 34,895,380 1,576,094 PT Esa Bina Sejati
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 20,274,763 33,918,620 Brokers Indonesia
PT Asuransi Wahana Tata 17,095,809 13,974,975 PT Asuransi Wahana Tata
PT Asuransi Central Asia 16,351,032 12,892,568 PT Asuransi Central Asia
PT Asuransi Astra Buana 15,755,640 8,445,093 PT Asuransi Astra Buana
PT Asuransi MSIG Indonesia 14,408,959 13,450,852 PT Asuransi MSIG Indonesia
PT IBS Reinsurance Brokers 14,097,631 8,625,957 PT IBS Reinsurance Brokers
AON Reinsurance Solutions Asia 13,893,153 27,668,457 AON Reinsurance Solutions Asia
PT CBDANH Pialang Reasuransi 11,504,663 11,417,017 PT CBDANH Pialang Reasuransi
PT Lippo General Insurance Tbk 10,054,331 7,581,578 PT Lippo General Insurance Tbk
PT AXA Financial Indonesia 7,361,036 7,775,529 PT AXA Financial Indonesia
PT Maskapai Reasuransi Indonesia Tbk 6,039,252 6,451,790 PT Maskapai Reasuransi Indonesia Tbk
PT Asuransi Dayin Mitra Tbk 5,600,236 5,151,003 PT Asuransi Dayin Mitra Tbk
PT Hanofer Indonesia 5,283,696 -- PT Hanofer Indonesia
PT Asuransi Etiqa PT Asuransi Etiqa
Internasional Indonesia 3,645,584 2,644,397 Internasional Indonesia
PT IBU Reinsurance Broker Utama 3,357,338 2,846,083 PT IBU Reinsurance Broker Utama
PT Adhi Lintas Tanase 3,316,554 2,799,540 PT Adhi Lintas Tanase
PT Zurich Asuransi Indonesia 2,845,606 3,328,355 PT Zurich Asuransi Indonesia
PT Asuransi Rama Satria Wibawa 2,794,746 2,598,309 PT Asuransi Rama Satria Wibawa
PT Tokio Marine Life Insurance Indonesia 2,302,483 -- PT Tokio Marine Life Insurance Indonesia
Asia Reinsurance Brokers Pte Ltd 2,297,743 2.489.927 Asia Reinsurance Brokers Pte Ltd
Trinity Reinsurance Brokers Limited 2,027,561 16,149,747 Trinity Reinsurance Brokers Limited
PT Asuransi Jiwa Generali Indonesia 1,908,137 4,585,493 PT Asuransi Jiwa Generali Indonesia
PT Asuransi Multi Artha Guna Tbk 1,888,874 1,024,643 PT Asuransi Multi Artha Guna Tbk
PT Asuransi FPG Indonesia 1,872,105 1,191,241 PT Asuransi FPG Indonesia
PT Asuransi Intra Asia 1,659,475 2,431,663 PT Asuransi Intra Asia
SeaQuest Intermediaries (L) Ltd 1,318,090 3,221,183 SeaQuest Intermediaries (L) Ltd
PT KBRU Reinsurance Brokers -- 24,251,932 PT KBRU Reinsurance Brokers
PT Asia Reinsurance Brokers Indonesia -- 5,805,572 PT Asia Reinsurance Brokers Indonesia
PT AON Benfield -- 5,483,070 PT AON Benfield
PT Jasa Cipta Rembaka -- 2,306,467 PT Jasa Cipta Rembaka
Lainnya (dibawah Rp1.000.000) 60,966,255 53,822,889 Others (below Rp1,000,000)
Sub-jumlah 284,816,132 293,420,117 Sub-total
Jumlah entitas anak 308,284,433 353,087,009 Total subsidiaries
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (39,056,233) (36,434,300) for impairment losses
Jumlah entitas anak - neto 269,228,200 316,652,709 Total subsidiaries - net
Jumlah - neto 1,616,850,321 1,859,030,780 Total - net
Saldo piutang kontribusi pada 31 Desember As of December 31, 2024 and 2023,
2024 dan 2023, pada Unit Bisnis Syariah contribution receivables in Sharia Business
masing-masing adalah sebesar Unit amounted to Rp21,635,351 and
Rp21.635.351 dan Rp14.360.326 Rp14,360,326, respectively (Note 45).
(Catatan 45).
Rincian piutang premi dan sesi berdasarkan The premium and cession receivables based
jenis asuransi adalah sebagai berikut: on class of business are as follows:
65
Page 576
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Kebakaran 458,429,952 451,565,065 Fire
Penerbangan 419,004,475 394,485,490 Aviation
Rekayasa 108,346,700 282,537,353 Engineering
Pengangkutan 98,754,968 134,873,963 Marine Cargo
Offshore 45,585,660 83,488,202 Offshore
Lainnya 240,016,782 236,513,472 Miscellaneous
Sub-jumlah - Perseroan 1,370,138,537 1,583,463,545 Sub-total
Penyisihan kerugian penurunan nilai (22,516,416) (41,085,474) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,347,622,121 1,542,378,071 Sub total - The Company, net
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Kebakaran 82,821,069 177,600,948 Fire
Jiwa 62,587,297 58,856,360 Life
Rekayasa 24,454,510 29,863,803 Engineering
Pengangkutan 24,141,091 23,438,600 Marine Cargo
Penerbangan 21,509,252 27,968,112 Aviation
Lainnya 92,771,214 35,359,186 Miscellaneous
Sub-jumlah - entitas anak 308,284,433 353,087,009 Sub-total
Penyisihan kerugian penurunan nilai (39,056,233) (36,434,300) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 269,228,200 316,652,709 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,616,850,321 1,859,030,780 receivables, net
Piutang premi dan sesi berdasarkan mata The premium and cession receivables based
uang adalah sebagai berikut: on currencies are as follows:
2024 2023
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Dolar Amerika Serikat 985,557,993 1,238,177,467 United States Dollar
Rupiah 315,463,634 332,901,317 Rupiah
Dolar Singapura 5,808,629 1,997,944 Singapore dollar
Euro 391,644 118,542 Euro
Mata uang lain 62,916,637 10,268,275 Other currencies
Sub-jumlah - Perseroan 1,370,138,537 1,583,463,545 Sub total - The Company
Penyisihan kerugian penurunan nilai (22,516,416) (41,085,474) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,347,622,121 1,542,378,071 Sub total - The Company, net
66
Page 577
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Dolar Amerika Serikat 161,044,836 238,664,418 United States Dollar
Rupiah 105,424,870 95,048,737 Rupiah
Dolar Hong Kong 13,203,649 12,099,146 Hong Kong Dollar
Mata uang lain 28,611,078 7,274,708 Other currencies
Sub jumlah - entitas anak 308,284,433 353,087,009 Sub total - subsidiaries
Penyisihan kerugian penurunan nilai (39,056,233) (36,434,300) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 269,228,200 316,652,709
316,652,709 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,616,850,321 1,859,030,780 receivables, net
Rincian piutang premi dan sesi berdasarkan The details of premium and cession
umur piutang adalah sebagai berikut: receivables based on aging are as follows:
2024 2023
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Belum jatuh tempo 960,120,534 1,305,244,984 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 217,914,113 187,036,006 Less than 90 days
90-180 hari 125,890,827 42,762,018 90-180 days
181-360 hari 43,666,533 14,846,126 181-360 days
Lebih dari 360 hari 22,546,530 33,574,411 More than 360 days
Sub-jumlah - Perseroan 1,370,138,537 1,583,463,545 Sub total - The Company
Penyisihan kerugian penurunan nilai (22,516,416) (41,085,474) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,347,622,121 1,542,378,071 Sub total - The Company, net
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Belum jatuh tempo 130,427,532 191,777,290 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 60,705,920 68,732,343 Less than 90 days
90-180 hari 21,368,074 30,603,290 90-180 days
181-360 hari 47,998,115 17,273,115 181-360 days
Lebih dari 360 hari 47,784,792 44,700,971 More than 360 days
Sub-jumlah - entitas anak 308,284,433 353,087,009 Sub total - subsidiaries
Penyisihan kerugian penurunan nilai (39,056,233) (36,434,300) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 269,228,200 316,652,709 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,616,850,321 1,859,030,780 receivables, net
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai adalah sebagai berikut: losses are as follows:
2024 2023
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Saldo awal tahun (41,085,474) (46,451,448) Balance at beginning year
Pemulihan 24,518,311 32,547,999 Recovery
Penambahan (5,949,253) (27,182,025) Addition
Saldo akhir tahun Balance at end of year
- Perseroan (22,516,416) (41,085,474) - the Company
67
Page 578
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Piutang Premi dan Sesi Cession and Premium Receivables
Saldo awal tahun (36,434,300) (43,359,647) Balance at beginning year
Pemulihan 1,035,881 6,925,347 Recovery
Penambahan (3,657,814) -- Addition
Saldo akhir tahun Balance at end of year
- entitas anak (39,056,233) (36,434,300) - subsidiaries
Jumlah akhir tahun (61,572,649) (77,519,774) Balance at end of year
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
Berdasarkan analisis atas status saldo Based on the review of the status of premiums
piutang premi dan sesi pada akhir tahun, and cession receivable accounts at the end of
Manajemen Grup berpendapat bahwa year, the Group management believes that the
jumlah penyisihan kerugian penurunan nilai allowance for impairment losses is adequate
yang dibentuk cukup untuk menutupi to cover for possible losses that may arise
kemungkinan kerugian yang mungkin timbul from uncollectible premium and cession
atas tidak tertagihnya piutang premi dan receivables.
sesi.
7. Piutang Koasuransi 7. Coinsurance Receivables
Akun ini merupakan tagihan premi kepada This account represents outstanding
entitas asuransi lain atas penutupan polis premiums to other insurance entities on
bersama dengan rincian sebagai berikut: coinsurance arrangement, with details as
follows:
2024 2023
Rp Rp
Pihak berelasi (catatan 39) 34,673,218 143,420,266 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Indonesia 115,197,794 193,110,314 PT Marsh Indonesia
PT IBS Insurance Broking Service 11,014,102 520,141 PT IBS Insurance Broking Service
PT Citra International Underwriters 9,261,728 8,274,093 PT Citra International Underwriters
PT AXA Insurance Indonesia 7,936,906 6,255 PT AXA Insurance Indonesia
PT Asuransi Wahana Tata 6,989,941 1,982,510 PT Asuransi Wahana Tata
PT Mitra Iswara & Rorimpandey 5,960,745 4,536,684 PT Mitra Iswara & Rorimpandey
PT Kalibesar Raya Utama 5,018,705 3,101,416 PT Kalibesar Raya Utama
PT Asuransi Central Asia 3,901,908 11,343,815 PT Asuransi Central Asia
PT Talisman Insurance Brokers 3,586,966 2,559,370 PT Talisman Insurance Brokers
PT Asuransi Ramayana 1,605,157 48,986,600 PT Asuransi Ramayana
Lainnya (dibawah Rp1.000.000) 1,808,791 21,529,882 Others (below Rp1,000,000)
Jumlah pihak ketiga 172,282,743 295,951,080 Total subsidiaries
Jumlah 206,955,961 439,371,346 Total
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (14,682,916) (16,492,422) for impairment losses
Jumlah - neto 192,273,045 422,878,924 Total - net
68
Page 579
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Piutang koasuransi berdasarkan mata uang The coinsurance receivables based on
adalah sebagai berikut: currencies are as follows:
2024 2023
Rp Rp
Piutang Koasuransi Coinsurance Receivables
Dolar Amerika Serikat 192,606,873 415,404,349 United States Dollar
Rupiah 12,344,557 23,603,541 Rupiah
Dolar Singapura 129,339 313,024 Singapore dollar
Euro 46,020 358 Euro
Mata uang lain 1,829,172 50,074 Other currencies
Sub-jumlah 206,955,961 439,371,346 Sub-total
Penyisihan kerugian penurunan nilai (14,682,916) (16,492,422) Allowance for impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 192,273,045 422,878,924 receivable - net
Rincian piutang koasuransi berdasarkan Details of coinsurance receivables based on
jenis asuransi adalah sebagai berikut: class of business are as follows:
2024 2023
Rp Rp
Kebakaran 188,395,325 386,934,946 Fire
Pengangkutan 9,008,349 509,879 Marine Cargo
Rekayasa 6,455,204 5,484,126 Engineering
Offshore 1,867,077 29,980,028 Offshore
Lainnya 1,230,006 16,462,367 Miscellaneous
Jumlah 206,955,961 439,371,346 Total
Dikurangi penyisihan kerugian Less allowance for
penurunan nilai (14,682,916) (16,492,422) impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 192,273,045 422,878,924 receivable - net
Rincian piutang koasuransi berdasarkan The details of coinsurance receivables based
umur piutang adalah sebagai berikut: on aging are as follows:
2024 2023
Rp Rp
Belum jatuh tempo 105,202,180 243,573,301 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 69,070,851 147,767,760 Less than 90 days
90-180 hari 10,678,136 20,459,949 90-180 days
181-360 hari 4,952,981 7,146,742 181-360 days
Lebih dari 360 hari 17,051,813 20,423,594 More than 360 days
Jumlah 206,955,961 439,371,346 Total
Dikurangi penyisihan kerugian Less allowance for
penurunan nilai (14,682,916) (16,492,422) impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 192,273,045 422,878,924 receivable - net
69
Page 580
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai adalah sebagai berikut: losses are as follows:
2024 2023
Rp Rp
Saldo awal tahun (16,492,422) (31,728,139) Balance at beginning year
Pemulihan 6,309,233 16,923,066 Reversal
Penambahan (4,499,727) (1,687,349) Additions
Saldo akhir tahun (14,682,916) (16,492,422) Balance at end of year
Berdasarkan analisis atas status saldo Based on the review of the status of
piutang koasuransi pada akhir tahun, coinsurance receivables account at the end of
Manajemen berpendapat bahwa jumlah year, Management is of the opinion that the
penyisihan kerugian penurunan nilai yang allowance for impairment losses is adequate
dibentuk cukup untuk menutupi to cover possible losses that may arise from
kemungkinan kerugian yang mungkin timbul uncollectible coinsurance receivables.
atas tidak tertagihnya piutang koasuransi.
8. Piutang Reasuransi Dan Retrosesi 8. Reinsurance And Retrocession
Receivables
2024 2023
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 97,862,176 208,845,667 Related parties (note 39)
Pihak ketiga Third parties
Arthur J Gallagher (UK) Ltd 51,804,104 40,540,674 Arthur J Gallagher (UK) Ltd
Swiss Re Asia Pte Ltd 36,105,343 -- Swiss Re Asia Pte Ltd
PT Asuransi Samsung Tugu 22,752,442 8,025,634 PT Asuransi Samsung Tugu
Korean Insurance Co 12,566,704 4,481,230 Korean Insurance Co
Aon UK Limited 11,304,793 -- Aon UK Limited
PT Aon Reinsurance Brokers Indonesia 9,014,151 -- PT Aon Reinsurance Brokers Indonesia
Peak Reinsurance Company Limited 8,920,795 -- Peak Reinsurance Company Limited
PT IBS Reinsurance Broker 8,863,239 -- PT IBS Reinsurance Broker
Willis Ltd 8,528,465 26,240,024 Willis Ltd
Taiping Reinsurance Co Ltd 8,486,889 408,840 Taiping Reinsurance Co Ltd
Marsh Ltd 6,922,710 6,667,328 Marsh Ltd
Miller Insurance Services LLP 6,116,495 2,510,207 Miller Insurance Services LLP
PaxOcean Holdings Pte Ltd 6,012,993 -- PaxOcean Holdings Pte Ltd
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 5,414,301 6,708,072 Brokers Indonesia
PT Asuransi Central Asia -- 5,076,578 PT Asuransi Central Asia
PT JLT Reinsurance Brokers 171,564 72,825,977 PT JLT Reinsurance Brokers
Lainnya (dibawah Rp1.000.000) 115,921,907 116,685,792 Others (below Rp1,000,000)
Sub-jumlah 318,906,895 290,170,356 Sub-total
Jumlah Perseroan 416,769,071 499,016,023 Total The Company
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (80,358,243) (69,643,027) for impairment losses
Jumlah Perseroan - neto 336,410,828 429,372,996 Total The Company - net
70
Page 581
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 5,872,126 6,607,736 Related parties (note 39)
Pihak ketiga Third parties
Guy Carpenter & Company, LLC 38,259,234 51,131,776 Guy Carpenter & Company, LLC
AON Reinsurance Solutions Asia Pte Ltd 38,082,218 2,950,530 AON Reinsurance Solutions Asia Pte Ltd
Asia Reinsurance Brokers Pte Ltd 9,728,125 46,377,843 Asia Reinsurance Brokers Pte Ltd
Willis Towers Watson 6,176,007 4,333,732 Willis Towers Watson
Marsh Reinsurance Brokers 3,315,222 5,894,571 Marsh Reinsurance Brokers
K M Dastur Reinsurance Brokers 1,601,056 -- K M Dastur Reinsurance Brokers
Hannover Ruck - Malaysia 1,078,059 10,421,082 Hannover Ruck - Malaysia
Samsung Fire & Marine Insurance CoLtd 747,098 12,711,609 Samsung Fire & Marine Insurance CoLtd
AM Trust Europe Limited -- 13,423,355 AM Trust Europe Limited
Lainnya (dibawah Rp1.000.000) 76,449,596 102,304,952 Lainnya (dibawah Rp1.000.000)
Sub-jumlah 175,436,615 249,549,450 Sub-total
Jumlah entitas anak 181,308,741 256,157,186 Total subsidiaries
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (31,696,604) (29,936,148) for impairment losses
Jumlah entitas anak - neto 149,612,137 226,221,038 Total subsidiaries - net
Jumlah - neto 486,022,965 655,594,034 Total - net
Saldo piutang reasuransi pada 31 Desember As of December 31, 2024 and 2023,
2024 dan 2023, pada Unit Bisnis Syariah reinsurance receivables in Sharia Business
masing-masing adalah sebesar Rp7.938.075 Unit amounted to Rp7,938,075 and
dan Rp8.558.954 (Catatan 45). Rp8,558,954 respectively (Note 45).
Piutang reasuransi dan retrosesi The reinsurance and retrocession receivables
berdasarkan mata uang adalah sebagai based on currencies are as follows:
berikut:
2024 2023
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Dolar Amerika Serikat 220,327,987 409,598,453 United States Dollar
Rupiah 116,564,512 59,473,524 Rupiah
Mata uang lainnya 79,876,572 29,944,046 Other currencies
Sub-Jumlah 416,769,071 499,016,023 Sub-total
Penyisihan kerugian penurunan nilai (80,358,243) (69,643,027) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 336,410,828 429,372,996 Sub total - the Company, net
Entitas anak Subsidiaries
Piutang reasuransi Reinsurance and
dan retrosesi retrocession receivables
Dolar Amerika Serikat 143,345,554 165,894,653 United States Dollar
Rupiah 27,118,002 78,983,627 Rupiah
Dolar Hongkong 387,443 7,905,491 Hongkong Dollar
Mata uang lainnya 10,457,742 3,373,415 Other currencies
Jumlah 181,308,741 256,157,186 Sub-total
Penyisihan kerugian penurunan nilai (31,696,604) (29,936,148) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 149,612,137 226,221,038 Sub total - subsidiaries, net
Jumlah piutang reasuransi dan Total reinsurance and
retrosesi, neto 486,022,965 655,594,034 retrocession receivables, net
71
Page 582
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rincian piutang reasuransi dan retrosesi Details of reinsurance and retrocession
berdasarkan umur piutang adalah sebagai receivable based on aging receivable are as
berikut: follow:
2024 2023
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Belum jatuh tempo 70,126,780 7,945,224 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 83,228,058 227,472,168 Less than 90 days
90-180 hari 85,680,293 89,517,275 90-180 days
181-360 hari 61,511,689 25,679,606 181-360 days
Lebih dari 360 hari 116,222,251 148,401,750 More than 360 days
Jumlah 416,769,071 499,016,023 Total
Penyisihan kerugian penurunan nilai (80,358,243) (69,643,027) Allowance for impairment losses
Total piutang reasuransi Total reinsurance receivables
- Perseroan, neto 336,410,828 429,372,996 - the Company, net
Entitas anak Subsidiaries
Piutang retrosesi Retrocession receivables
Belum jatuh tempo 14,851,106 97,349,162 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 47,787,030 68,830,777 Less than 90 days
90-180 hari 16,426,967 17,582,905 90-180 days
181-360 hari 15,208,291 1,698,760 181-360 days
Lebih dari 360 hari 87,035,347 70,695,582 More than 360 days
Jumlah 181,308,741 256,157,186 Total
Penyisihan kerugian penurunan nilai (31,696,604) (29,936,148) Allowance for impairment losses
Total piutang reasuransi Total reinsurance receivables
- entitas anak, neto 149,612,137 226,221,038 - subsidiaries, net
Jumlah piutang reasuransi Total reinsurance and
dan retrosesi, neto 486,022,965 655,594,034 retrocession receivables, net
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai untuk piutang reasuransi dan retrosesi losses for reinsurance and retrocession
adalah sebagai berikut: receivables are as follows:
2024 2023
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Saldo awal tahun (69,643,027) (54,312,054) Beginning balance of year
Penambahan (25,779,596) (32,301,920) Additional
Pemulihan 15,064,380 16,970,947 Recovery
Saldo akhir tahun - Balance at end of year -
Perseroan (80,358,243) (69,643,027) the Company
Entitas anak Subsidiaries
Piutang retrosesi Retrocession receivables
Saldo awal tahun (29,936,148) (31,385,852) Beginning balance of year
Penambahan (1,813,386) (935,489) Additional
Pemulihan 52,930 2,385,193 Recovery
Saldo akhir tahun - Balance at end of year -
entitas anak (31,696,604) (29,936,148) subsidiaries
Jumlah akhir tahun (112,054,847) (99,579,175) Balance at end of year
Berdasarkan analisa atas status saldo Based on the review of the status of
piutang reasuransi dan retrosesi pada akhir reinsurance and retrocession receivable
tahun, manajemen Grup berpendapat bahwa accounts at the end of year, the Group
72
Page 583
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
jumlah penyisihan kerugian penurunan nilai management believes that the allowance for
yang dibentuk cukup untuk menutupi impairment losses is adequate to cover for
kemungkinan kerugian yang mungkin timbul possible losses that may arise from
atas tidak tertagihnya piutang reasuransi dan uncollectible reinsurance and retrocession
retrosesi. receivables.
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
9. Aset Lain-Lain 9. Other Assets
2024 2023
Rp Rp
Dana jaminan 497,974,086 146,269,248 Restricted fund
Beban komisi ditangguhkan 93,881,302 212,627,367 Deferred acquisition cost
Aset reasuransi syariah 9,842,848 6,284,666 Syariah reinsurance asset
Beban ditangguhkan 7,058,420 1,461,813 Deferred acquisition cost
Sertifikat keanggotaan golf 4,037,495 4,037,495 Golf certificate membership
Persediaan 3,331,604 5,758,168 Inventory
Lainnya (masing-masing di bawah Others (each below
Rp5.000.000) 21,156,151 94,857 Rp5,000,000)
Jumlah 637,281,906 376,533,614 Total
Dikurangi: Less:
Penyisihan kerugian penurunan Allowance for impairment
nilai (6,638,280) (2,234,575) losses
Jumlah - neto 630,643,626 374,299,039 Total - Net
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai untuk asset lain-lain adalah sebagai losses for other assets are as follows:
berikut:
2024 2023
Rp Rp
Saldo awal tahun (2,234,575) (4,520,117) Balance at beginning year
Pengurangan -- 4,520,117 Recovery
Penambahan (7,119,168) (2,234,575) Addition
Reklasifikasi 2,715,463 -- Reclasification
Saldo akhir tahun (6,638,280) (2,234,575) Balance at end year
Saldo bagi hasil yang masih harus diterima As of December 31, 2024, and 2023, ujroh
oleh dana ujroh pada 31 Desember 2024 revenue share receivables in Sharia Business
dan 2023, pada Unit Bisnis Syariah masing- Unit amounted to Rp733,578 and
masing adalah sebesar Rp733.578 dan Rp1,843,951 respectively.
Rp1.843.951.
Aset reasuransi pada 31 Desember 2024 As of December 31, 2024 and 2023,
dan 2023, pada Unit Bisnis Syariah masing- reinsurance assets in Sharia Business Unit
masing adalah sebesar Rp9.842.848 dan amounted to Rp9,842,848 dan Rp6,284,666
Rp6.284.666 (Catatan 45). respectively (Note 45).
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024, and 2023, time
deposito berjangka Perseroan yang deposits of the Company which amount to
ditempatkan sebesar Rp392,892,500 dan Rp392,892,500 and Rp98,276,759
Rp98.276.759 digunakan sebagai dana respectively, are used as guarantee for
jaminan yang dibentuk untuk kepentingan business agreement. Included in others there
perjanjian bisnis. Termasuk di dalam lainnya are, salvage collateral.
terdapat jaminan salvage.
73
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
10. Aset Tetap - Neto 10. Fixed Assets - Net
31 Desember/December 31, 2024
Penyesuaian Penyesuaian
Saldo awal/ nilai wajar/ translasi/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Fair value Translation Ending
balance Additions Deductions Reclassification adjustment adjustment Balance
Biaya perolehan Cost
Tanah 711,137,767 -- -- -- (4,124,830) -- 707,012,937 Land
Gedung kantor 214,437,901 906,075 -- 1,112,143,612 (51,707,912) 28,194 1,275,807,870 Office buildings
Kendaraan bermotor 790,128,554 269,731,377 -- 31,921,437 -- -- 1,091,781,368 Motor vehicles
Meubel dan perabot Kantor 77,954,314 102,395 (552,489) -- -- 4,369 77,508,589 Office furniture and fixtures
Mesin dan peralatan Kantor 24,726,100 650,278 (168,076) -- -- 6,771 25,215,073 Office machines and equipment
Peralatan komputer 90,520,475 4,459,614 (198,497) -- -- 87,149 94,868,741 Computer
Aset dalam penyelesaian 39,393,160 486,760 (486,761) (31,921,437) -- -- 7,471,722 Construction in progress
Sewa guna usaha Kendaraan 7,341,725 -- -- -- -- -- 7,341,725 Leased asset Vehicle
Total 1,955,639,996 276,336,499 (1,405,823) 1,112,143,612 (55,832,742) 126,483 3,287,008,025 Total
Akumulasi penyusutan Accumulated depreciation
Gedung kantor 19,543,525 38,513,346 -- -- (26,866,622) 123,032 31,313,281 Office building
Kendaraan bermotor 152,138,750 16,124,084 -- -- -- -- 168,262,834 Motor vehicles
Meubel dan perabot Kantor 70,731,365 2,784,016 (552,489) -- -- 2,621 72,965,513 Office furniture and fixtures
Mesin dan peralatan Kantor 22,520,577 956,166 (138,839) -- -- 4,328 23,342,232 Office machines and equipment
Peralatan komputer 74,185,526 7,304,709 (188,760) -- -- 43,146 81,344,621 Computer
Sewa guna usaha Kendaraan 2,217,392 621,261 -- -- -- -- 2,838,653 Leased asset Vehicle
Total 341,337,135 66,303,582 (880,088) -- (26,866,622) 173,127 380,067,134 Total
Nilai buku neto 1,614,302,861 210,032,917 (525,735) 1,112,143,612 (28,966,120) (46,644) 2,906,940,891 Net book value
31 Desember/December 31, 2023
Penyesuaian Penyesuaian
Saldo awal/ nilai wajar/ translasi/ Saldo akhir/
Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Fair value Translation Ending
balance Additions Deductions Reclassification adjustment adjustment Balance
Biaya perolehan Cost
Tanah 696,796,650 -- -- -- 14,341,117 -- 711,137,767 Land
Gedung kantor 218,710,853 1,722,567 -- (308,899) (5,253,698) (432,922) 214,437,901 Office buildings
Kendaraan bermotor 635,507,307 288,576,023 -- (133,954,776) -- -- 790,128,554 Motor vehicles
Meubel dan perabot Kantor 77,548,474 669,316 (261,631) -- -- (1,845) 77,954,314 Office furniture and fixtures
Mesin dan peralatan Kantor 27,301,921 748,190 (3,273,253) -- -- (50,758) 24,726,100 Office machines and equipment
Peralatan komputer 75,880,251 11,734,105 (18,158) 2,957,710 -- (33,433) 90,520,475 Computer
Aset dalam penyelesaian 37,050,586 64,631,971 -- (62,289,397) -- -- 39,393,160 Construction in progress
Sewa guna usaha Kendaraan 7,341,725 -- -- -- -- -- 7,341,725 Leased asset Vehicle
Total 1,776,137,767 368,082,172 (3,553,042) (193,595,362) 9,087,419 (518,958) 1,955,639,996 Total
Akumulasi penyusutan Accumulated depreciation
Gedung kantor 11,310,650 12,973,127 -- -- (4,705,618) (34,634) 19,543,525 Office building
Kendaraan bermotor 161,629,641 63,763,987 -- (73,254,878) -- -- 152,138,750 Motor vehicles
Meubel dan perabot Kantor 68,038,617 3,722,488 (1,029,002) -- -- (738) 70,731,365 Office furniture and fixtures
Mesin dan peralatan Kantor 23,762,153 1,299,714 (2,499,320) -- -- (41,970) 22,520,577 Office machines and equipment
Peralatan komputer 66,522,714 6,294,126 (9,946) 1,390,107 -- (11,475) 74,185,526 Computer
Sewa guna usaha Kendaraan 1,479,548 737,844 -- -- -- -- 2,217,392 Leased asset Vehicle
Total 332,743,323 88,791,286 (3,538,268) (71,864,771) (4,705,618) (88,817) 341,337,135 Total
Nilai buku neto 1,443,394,444 279,290,886 (14,774) (121,730,591) 13,793,037 (430,141) 1,614,302,861 Net book value
Seluruh beban penyusutan dicatat sebagai All depreciation expense is recorded as
beban usaha dan beban usaha lainnya. operating expense dan other operating
expense.
Rincian dari keuntungan/kerugian penjualan The details of gains on disposal of fixed assets
aset tetap adalah sebagai berikut: are as follows:
2024 2023
Rp Rp
Penerimaan dari penjualan 612,236 21,331 Proceeds from disposals
Nilai buku neto 525,735 14,774 Net book value
Laba (rugi) penjualan Gain (loss) on disposal
aset tetap 86,501 6,557 of fixed assets
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023 the cost of
biaya perolehan aset tetap yang telah fixed assets which have been fully depreciated
disusutkan penuh tetapi masih digunakan but still being used amounted to
masing-masing sebesar Rp203.939.354 dan Rp203,939,354 and Rp206,092,094,
Rp206.092.094. respectively.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
Grup melakukan peninjauan kembali atas Group performed a review on useful life,
masa manfaat, metode penyusutan, dan nilai depreciation method, and residual value of
residu aset tetap dan menyimpulkan bahwa fixed assets and concluded that there was no
tidak terdapat perubahan atas metode dan change in those methodology and
asumsi tersebut. assumptions.
Pada tanggal 31 Desember 2024 dan 2023 As of December 31, 2024 and 2023, fixed
aset tetap yang diasuransikan terhadap assets are covered by insurance against
74
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
risiko kebakaran dan risiko lainnya losses by fire and other risks under blanket
berdasarkan suatu paket polis tertentu policies to related parties with sum insured of
kepada pihak berelasi, dengan nilai Rp1,290,637,874 and Rp931,542,546,
pertanggungan masing-masing sebesar respectively, which, in the Group
Rp1.290.637.874 dan Rp931.542.546 management's opinion, is adequate to cover
dimana manajemen Grup berpendapat, possible losses from such risks.
bahwa nilai pertanggungan tersebut cukup
untuk menutup kemungkinan kerugian yang
timbul atas aset tetap yang
dipertanggungkan.
Nilai wajar tanah dan bangunan Grup pada The fair value of the Group’s land and
tanggal 31 Desember 2024 dan 2023 buildings as of December 31, 2024 and 2023
berdasarkan hasil penilaian yang dilakukan is based on valuation carried out by
oleh Kantor Jasa Penilai Publik (KJPP) Ruky Registered Public Appraisers (KJPP) Ruky
Safrudin dan Rekan. Safrudin and Rekan.
Kendaraan milik entitas anak (PMS) Kendaraan milik entitas anak (PMS)
dijaminkan sebagai jaminan fasilitas dijaminkan sebagai jaminan fasilitas pinjaman
pinjaman yang diperoleh entitas anak yang diperoleh entitas anak tersebut
tersebut (Catatan 23). (Note 23).
Manajemen Grup berpendapat bahwa tidak The Group’s management believes that there
terdapat indikasi penurunan nilai atas aset is no indication of impairment on such fixed
tetap tersebut. assets.
Selisih penilaian aset tetap yang dicatat Revaluation increments of fixed assets which
dalam akun “Surplus Revaluasi Aset Tetap” are recorded in “Fixed Assets Revaluation
sebagai bagian dari penghasilan Surplus” account as part of other
komprehensif lain pada laporan laba rugi dan comprehensive income in the consolidated
penghasilan komprehensif lain konsolidasian statements of profit or loss and other
adalah sebagai berikut: comprehensive income are below:
2024 2023
Rp Rp
Dampak revaluasi aset tetap (28,966,120) 13,793,037 Effect of revaluation fixed assets
Dampak revaluasi yang Impact of revaluation
diatribusikan kepada non pengendali -- -- attributable to non-controling interest
Dampak revaluasi yang Impact of revaluation
diatribusikan kepada pengendali (28,966,120) 13,793,037 attributable to controling interest
Saldo awal 2,027,351,117 2,013,558,080 Begining balance
Saldo akhir 1,998,384,997 2,027,351,117 Ending balance
Grup menyajikan nilai wajar atas tanah dan The Group presents the fair value of land and
gedung kantor berdasarkan hierarki nilai office building based on fair value hierarchy
wajar 3. level 3.
75
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
11. Sewa 11. Leases
a. Aset hak guna a. Right of use assets
Selisih kurs/
1 Januari/ Penambahan/ Pengurangan/ Exchange 31 Desember/
January 1, 2024 Additions Deductions Alignment December 31, 2024
Biaya Perolehan At cost
Properti 35,148,206 24,434,291 -- 1,251,617 60,834,114 Property
Jumlah 35,148,206 24,434,291 -- 1,251,617 60,834,114 Total
Akumulasi amortisasi Accumulated amortization
(catatan 35 dan 36) (notes 35 dan 36)
Properti (24,790,613) (11,548,264) -- (1,128,128) (37,467,005) Property
Jumlah (24,790,613) (11,548,264) -- (1,128,128) (37,467,005) Total
Nilai tercatat 10,357,593 23,367,109 Net carrying amount
1 Januari/ Penambahan/ Pengurangan/ Exchange 31 Desember/
January 1, 2023 Additions Deductions Alignment December 31, 2023
Biaya Perolehan At cost
Properti 27,758,974 7,779,533 -- (390,301) 35,148,206 Property
Jumlah 27,758,974 7,779,533 -- (390,301) 35,148,206 Total
Akumulasi amortisasi Accumulated amortization
(catatan 35 dan 36) (notes 35 dan 36)
Properti (19,218,807) (5,907,565) -- 335,759 (24,790,613) Property
Jumlah (19,218,807) (5,907,565) -- 335,759 (24,790,613) Total
Nilai tercatat 8,540,167 10,357,593 Net carrying amount
31 Desember/December 31, 2024
Beban terkait sewa
atas asset bernilai
Beban amortisasi/ Beban bunga/ rendah/Expenses
Amortization Interest relating to leases
expenses expenses of low value assets
Properti 11,548,264 18,224 -- Property
Lainnya -- -- 3,036,618 Others
Jumlah 11,548,264 18,224 3,036,618 Total
31 Desember/December 31, 2023
Beban terkait sewa
atas asset bernilai
Beban amortisasi/ Beban bunga/ rendah/Expenses
Amortization Interest relating to leases
expenses expenses of low value assets
Properti 5,907,565 206,977 -- Property
Lainnya -- -- 185,274 Others
Jumlah 5,907,565 206,977 185,274 Total
b. Liabilitas sewa c. Lease liabilities
Beban bunga/ Selisih kurs/
1 Januari/ Penambahan/ Interest Exchange Pembayaran/ 31 Desember/
January 1, 2024 Additions expenses alignment Payments December 31, 2024
Harga perolehan Cost
Properti 6,194,693 24,434,291 18,224 -- (6,079,883) 24,567,325 Property
Jumlah 6,194,693 24,434,291 18,224 -- (6,079,883) 24,567,325 Total
Beban bunga/ Selisih kurs/ 31 Desember/
1 Januari/ Penambahan/ Interest Exchange Pembayaran/ December 31,
January 1, 2023 Additions expenses alignment Payments 2023
Harga perolehan Cost
Properti 2,917,784 6,570,770 206,977 (60,467) (3,440,371) 6,194,693 Property
Jumlah 2,917,784 6,570,770 206,977 (60,467) (3,440,371) 6,194,693 Total
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Liabilitas sewa berdasarkan jangka Lease liabilities on time basis:
waktu:
2024 2023
Rp Rp
Jangka pendek 300,660 3,335,954 Current portion
Jangka panjang 24,266,665 2,858,739 Non-current portion
Jumlah 24,567,325 6,194,693 Total
12. Aset Takberwujud, Neto 12. Intangible Assets, Net
2024 2023
Rp Rp
Biaya perolehan 167,001,212 154,722,613 Cost
Akumulasi amortisasi (43,322,246) (41,302,182) Accumulated amortization
Nilai buku neto 123,678,966 113,420,431 Net book value
Beban amortisasi dialokasikan ke beban Ammortization expense is allocated as
usaha untuk tahun yang berakhir pada 31 operating expense for the year ended
Desember 2024 dan 2023, masing-masing December 31, 2024 and 2023, amounted to
sebesar Rp2.020.064 dan Rp845.652 Rp2,020,064 and Rp845,652, respectively.
13. Piutang Lain-Lain 13. Other Receivables
2024 2023
Rp Rp
Piutang usaha 144,061,440 107,461,515 Trade receivables
Piutang bunga 98,080,657 103,411,742 Interest receivables
Piutang Legal 44,737,505 -- Legal Receivable
Piutang jasa kendaraan 27,221,871 27,561,479 Vehicle services receivables
Piutang karyawan 2,250,395 15,033,718 Employee receivables
Lain-lain (masing-masing dibawah Others (each below
Rp10.000.000) 26,676,404 19,596,813 Rp10,000,000)
Sub-jumlah 343,028,272 273,065,267 Sub-total
Dikurangi: Less:
Penyisihan kerugian penurunan Allowance for impairment
nilai piutang losses of receivables
- Dari piutang lainnya (5,881,537) (4,485,015) From other receivables -
- Dari piutang usaha (2,060,519) (1,783,774) From trade receivables -
Sub-jumlah (7,942,056) (6,268,789) Sub-total
Jumlah - neto 335,086,216 266,796,478 Total - net
Piutang legal merupakan penggantian biaya Legal receivables represent reimbursement of
legal sebesar USD 2.768.924 dari Citibank legal fees amounted to USD 2,768,924 from
terkait dengan pemenangan kasus litigasi Citibank related to a litigation case, which its
yang pendapatannya yang telah dicatat pada income has been recorded at 2023 period.
tahun lalu pada pendapatan lain-lain
Berdasarkan penelaahan atas status saldo Based on the review of the status of other
piutang lain-lain pada akhir tahun, receivables account at the end of year, the
manajemen Grup berpendapat bahwa Group’s management believes that the
jumlah penyisihan kerugian penurunan nilai allowance for impairment losses is adequate
yang dibentuk cukup untuk menutup to cover possible losses that may arise from
kemungkinan kerugian yang mungkin timbul uncollectible other receivables.
atas tidak tertagihnya piutang lain-lain.
77
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai untuk piutang lain-lain adalah sebagai losses for other receivables are as follows:
berikut:
2024 2023
Rp Rp
Saldo awal tahun (6,268,789) (7,729,447) Balance at beginning year
Penambahan (1,673,267) -- Addition
Pemulihan -- 1,460,658 Recovery
Saldo akhir tahun (7,942,056) (6,268,789) Balance at end year
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
14. Utang Klaim 14. Claims Payables
2024 2023
Rp Rp
Pihak berelasi (catatan 39) 32,493,673 32,243,894 Related parties (note 39)
Pihak ketiga Third parties
Cipta Colemon Asia Reinsurance Broker 31,998,306 -- Cipta Colemon Asia Reinsurance Broker
KBRU Reinsurance Brokers 17,316,897 -- KBRU Reinsurance Brokers
PT Asuransi Jiwa Central Asia Raya 13,434,505 -- PT Asuransi Jiwa Central Asia Raya
PT Chandra Asri 9,657,031 -- PT Chandra Asri
Arthur J Gallagher (Singapore) Pte 9,569,431 -- Arthur J Gallagher (Singapore) Pte
Vitesse Re Sia for Sedgwick Aviation 7,674,575 -- Vitesse Re Sia for Sedgwick Aviation
Asrinda Arthasangga 4,546,135 2,391,368 Asrinda Arthasangga
China Taiping Insurance (HK) Company 4,133,238 -- China Taiping Insurance (HK) Company
Asuransi Tokio Marine Indonesia 3,848,605 -- Asuransi Tokio Marine Indonesia
The People's Insurance The People's Insurance
Company Of China (HK), Ltd 3,001,073 -- Company Of China (HK), Ltd
MHK Insurance Service Ltd 2,458,365 -- MHK Insurance Service Ltd
PT Berlian Berkat Sejahtera 2,000,596 -- PT Berlian Berkat Sejahtera
PT Asuransi Sinar Mas 1,963,932 1,551,958 PT Asuransi Sinar Mas
Guy Carpenter & Co Ltd 1,929,567 -- Guy Carpenter & Co Ltd
Aon Reinsurance Solutions Asia Pte 1,909,751 -- Aon Reinsurance Solutions Asia Pte
Asia Reinsurance Brokers Indonesia 1,115,818 1,579,997 Asia Reinsurance Brokers Indonesia
JB Boda Viva JB Boda Viva
Indonesia Reinsurance Brokers 1,072,228 4,409,303 Indonesia Reinsurance Brokers
Lainnya (dibawah Rp1.000.000) 5,325,338 271,609,780 Others (below Rp1,000,000)
Jumlah pihak ketiga 122,955,391 281,542,406 Total Third parties
Jumlah 155,449,063 313,786,300 Total
Saldo utang klaim pada 31 Desember 2024 As of December 31, 2024, and 2023, claim
dan 2023, pada Unit Bisnis Syariah masing- payable in Sharia Business Unit amounted to
masing adalah sebesar Rp195.603 dan Rp195,603 and Rp238,387, respectively
Rp238.387 (Catatan 45). (Note 45).
78
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Utang klaim berdasarkan jenis asuransi The claims payables based on class of
adalah sebagai berikut: business are as follows:
2024 2023
Rp Rp
Kebakaran 69,534,139 262,562,712 Fire
Penerbangan 18,061,381 120,868 Aviation
Offshore 18,384,911 7,417 Offshore
Onshore 3,757,397 308,928 Onshore
Rangka Kapal 2,284,779 1,222,861 Marine Hull
Pengangkutan 629,831 10,296,977 Marine Cargo
Rekayasa 231,263 3,643,118 Engineering
Lainnya 42,565,362 35,623,419 Miscellaneous
Jumlah 155,449,063 313,786,300 Total
Utang klaim berdasarkan mata uang adalah The claims payable based on currencies are
sebagai berikut: as follows:
2024 2023
Rp Rp
Dolar Amerika Serikat 64,568,937 257,749,670 United States Dollar
Rupiah 49,417,319 47,173,806 Rupiah
Dolar Hong Kong 5,298,513 1,776,190 Hong Kong Dollar
Dolar Singapura 646,049 834,614 Singapore Dollar
Poundsterling Inggris 131,868 108,719 Great Britain Poundsterling
Mata uang lain 35,386,377 6,143,301 Other currencies
Jumlah 155,449,063 313,786,300 Total
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
15. Utang Koasuransi 15. Coinsurance Payables
Rincian akun ini berdasarkan koasuradur Details of this account from the coinsurer are
adalah sebagai berikut: as follows:
2024 2023
Rp Rp
Pihak berelasi (catatan 39) 71,072,526 32,523,770 Related parties (note 39)
Pihak ketiga Third parties
PT Asuransi Astra Buana 6,964,345 143,173 PT Asuransi Astra Buana
PT Asuransi Central Asia 6,721,481 PT Asuransi Central Asia
PT Asuransi Chubb Syariah Indonesia 3,766,565 481,161 PT Asuransi Chubb Syariah Indonesia
PT Citra International Underwriters 444,338 424,301 PT Citra International Underwriters
Wilson Re (P&I) Limited 243,011 231,866 Wilson Re (P&I) Limited
PT Asuransi Wahana Tata 173,548 2,569,347 PT Asuransi Wahana Tata
PT Asuransi Tripakarta 81,881 -- PT Asuransi Tripakarta
PT Staco Mandiri 75,793 67,818 PT Staco Mandiri
PT Asuransi Ramayana Tbk 25,329 19,984,474 PT Asuransi Ramayana Tbk
PT Asuransi Multi Artha Guna Tbk 7,133 7,133 PT Asuransi Multi Artha Guna Tbk
PT Barito Pacific Tbk -- 9,214,136 PT Barito Pacific Tbk
Lainnya (dibawah Rp1.000.000) 2,016,694 7,915,047 Others (below Rp1,000,000)
Jumlah pihak ketiga 20,520,118 41,038,456 Total Third parties
Jumlah 91,592,644 73,562,226 Total
79
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Utang koasuransi berdasarkan jenis asuransi The coinsurance payables based on class of
adalah sebagai berikut: business are as follows:
2024 2023
Rp Rp
Kebakaran 77,007,707 63,822,933 Fire
Rangka kapal 7,887,751 7,807,885 Marine hull
Rekayasa 1,159,765 398,230 Engineering
Pengangkutan 147,951 285,409 Marine Cargo
Penerbangan -- 814,745 Aviation
Offshore -- 4,428 Offshore
Lainnya 5,389,470 428,596 Miscellaneous
Jumlah 91,592,644 73,562,226 Total
Utang koasuransi berdasarkan mata uang The coinsurance payables based on
adalah sebagai berikut: currencies are as follows:
2024 2023
Rp Rp
Rupiah 54,984,025 54,872,859 Rupiah
Dolar Amerika Serikat 36,436,834 18,665,896 United States Dollar
Poundsterling Inggris 6,711 15,293 Great Britain Poundsterling
Dolar Hong Kong 1,181 7,058 Hongkong Dollar
Mata uang lain 163,893 1,120 Other currencies
Jumlah 91,592,644 73,562,226 Total
Rincian utang koasuransi berdasarkan umur The details of coinsurance payables based on
utang adalah sebagai berikut: aging are as follows:
2024 2023
Rp Rp
Belum jatuh tempo 67,788,551 52,534,891 Current - not due
Telah jatuh tempo Past due :
Kurang dari 90 hari 1,728,269 4,772,440 Less than 90 days
Lebih dari 90 hari 22,075,824 16,254,895 More than 90 days
Jumlah 91,592,644 73,562,226 Total
16. Liabilitas Asuransi 16. Insurance Liabilities
Rincian liabilitas asuransi adalah sebagai Details of insurance liabilities are as follows:
berikut:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Premi yang belum
merupakan pendapatan 1,980,598,452 (1,299,133,879) 681,464,572 1,860,482,882 (1,120,084,345) 740,398,537 Unearned premium reserves
Liabilitas manfaat polis Liabilities for future
masa depan 1,476,289,631 (540,349,626) 935,940,005 1,282,005,398 (423,202,757) 858,802,641 policy benefits
Estimasi klaim 8,714,226,113 (6,184,321,059) 2,529,905,054 8,005,046,741 (5,718,772,508) 2,286,274,233 Estimated claims
Jumlah 12,171,114,196 (8,023,804,564) 4,147,309,631 11,147,535,021 (7,262,059,610) 3,885,475,411 Total
Liabilitas asuransi pada tanggal Valuation on insurance liabilities as of
31 Desember 2024 dan 2023 untuk December 31, 2024 and 2023 are performed
Perseroan dihitung oleh aktuaris internal by M. Ivan Faizal, the Company’s Actuary,
yang terdaftar di OJK saudara, M. Ivan which registered by OJK, respectively. While
Faizal, Aktuaris Perseroan. Sedangkan for TRI (subsidiaries), the calculation is
untuk TRI (anak usaha), perhitungan performed by Panji Widiarda Rabowo, FSAI,
dilakukan oleh aktuaris internal yang the Company’s Actuary, which is registered by
terdaftar di OJK saudara, Panji Widiarda OJK.
Rabowo, FSAI.
80
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Premi yang belum merupakan Unearned premium reserves
pendapatan
Metode dan asumsi yang digunakan dalam Method and assumptions used in calculating
menghitung cadangan atas premi yang unearned premium reserves:
belum merupakan pendapatan:
a. Metode kontrak jangka PYBMP metode harian/ a. Methodology of short-term
pendek UPR daily method contract
Rincian dari akun ini berdasarkan jenis Details of this account by class of business
asuransi adalah sebagai berikut: are as follows:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 668,578,156 (392,373,270) 276,204,886 701,137,238 (438,279,868) 262,857,370 Fire
Rangka Kapal 258,640,049 (135,298,927) 123,341,121 237,140,336 (131,801,963) 105,338,373 Marine hull
Penerbangan 560,194,680 (534,815,555) 25,379,125 540,529,581 (501,689,686) 38,839,895 Aviation
Onshore 86,846,925 (50,859,786) 35,987,139 77,272,884 (44,009,697) 33,263,187 Onshore
Offshore 166,014,289 (118,998,281) 47,016,008 106,816,115 (40,957,136) 65,858,979 Offshore
Rekayasa 31,395,706 (14,364,982) 17,030,724 25,156,375 (9,023,995) 16,132,380 Engineering
Pengangkutan 20,535,552 (5,728,976) 14,806,576 1,688,858 324,897 2,013,755 Marine cargo
Lainnya 188,393,095 (46,694,102) 141,698,993 170,741,495 45,353,103 216,094,598 Others
Jumlah 1,980,598,452 (1,299,133,879) 681,464,572 1,860,482,882 (1,120,084,345) 740,398,537 Total
Rekonsiliasi perubahan premi yang belum Details of this account by class of business
merupakan pendapatan adalah sebagai are as follows:
berikut:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Premi yang belum Premi yang belum
merupakan merupakan
pendapatan/ Aset pendapatan/ Aset
Unearned reasuransi/ Unearned reasuransi/
premium Reinsurance Neto/ premium Reinsurance Neto/
reserve assets Net reserve assets Net
Saldo awal 1,860,482,884 (1,120,084,344) 740,398,540 1,397,744,871 (747,613,830) 650,131,041 Beginning balance
Penurunan (kenaikan)
premi yang belum
merupakan pendapatan Decrease (increase) in unearned
selama tahun berjalan 120,115,570 (179,049,534) (58,933,965) 462,738,013 (372,470,514) 90,267,499 premium reserve during the year
Saldo Akhir 1,980,598,454 (1,299,133,878) 681,464,575 1,860,482,884 (1,120,084,344) 740,398,540 Ending balance
Liabilitas manfaat polis masa depan Liabilities for future policy benefits
Metode dan asumsi yang digunakan dalam Method and assumptions used in calculating
menghitung liabilitas manfaat polis masa liabilities for future policy benefits:
depan:
a. Metode kontrak jangka Nilai kini dari estimasi arus kas masa depan/ a. Methodology of long-term
panjang Present value of future expected cash flow URR contract
method
b. Tingkat bunga Menggunakan tingkat imbal hasil atas Obligasi b. Discount rate
Pemerintah/
Using the yield rate of Government Bonds
Asumsi lain yang digunakan dalam Other assumptions used in the calculation of
perhitungan liabilitas manfaat polis masa liabilities for future policy benefits include
depan yaitu tingkat inflasi dan asumsi biaya. inflation rate and expense assumption.
81
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rincian dari akun ini berdasarkan jenis Details of this account by class of business are
asuransi adalah sebagai berikut: as follows:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 311,797,589 (224,682,283) 87,115,306 140,801,195 (125,667,223) 15,133,972 Fire
Rekayasa 296,350,795 (235,396,941) 60,953,854 293,685,509 (239,108,885) 54,576,624 Engineering
Rangka Kapal 19,731,001 (14,508,356) 5,222,645 20,400,459 (16,647,103) 3,753,356 Marine hull
Offshore 37,083,344 (32,129,153) 4,954,191 23,940,458 (17,222,028) 6,718,430 Offshore
Onshore 3,209,739 (1,726,684) 1,483,055 8,235,208 (2,803,891) 5,431,317 Onshore
Pengangkutan 1,180,002 (776,649) 403,353 274,031 (125,495) 148,536 Marine cargo
Penerbangan 2,556,744 (2,231,703) 325,041 49,024 -- 49,024 Aviation
Lainnya 804,380,417 (28,897,857) 775,482,560 794,619,514 (21,628,132) 772,991,382 Others
Jumlah 1,476,289,631 (540,349,626) 935,940,005 1,282,005,398 (423,202,757) 858,802,641 Total
Rekonsiliasi liabilitas manfaat polis masa The reconciliation of liabilities for future policy
depan adalah sebagai berikut: benefits are as follows:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Liabilitas Liabilitas
kontrak asuransi kontrak asuransi
jangka jangka
panjang/ Aset panjang/ Aset
Long term reasuransi/ Long term reasuransi/
insurance Reinsurance Neto/ insurance Reinsurance Neto/
contract liabilities assets Net contract liabilities assets Net
Saldo awal 1,282,005,398 (423,202,757) 858,802,641 1,032,898,439 (345,392,303) 687,506,136 Beginning balance
Penurunan (kenaikan)
liabilitas manfaat polis
masa depan Decrease (increase) in liabilities
selama tahun berjalan 194,284,233 (117,146,869) 77,137,364 249,106,959 (77,810,454) 171,296,505 for future policy benefits
Saldo Akhir 1,476,289,631 (540,349,626) 935,940,005 1,282,005,398 (423,202,757) 858,802,641 Ending balance
Estimasi klaim Estimated claims
Metode dan asumsi yang digunakan dalam Method and assumptions used in calculating
menghitung estimasi klaim: estimated claims:
a. Metode Metode pengamatan segitiga dari pola pengembangan klaim a. Methodology
dan rasio klaim setiap tahun kejadian, menggunakan basis estimasi
terbaik/triangular method observation of claim development pattern and
claim ratio per accident year, using best-estimate basis
b. Tingkat bunga Menggunakan tingkat imbal hasil atas Obligasi Pemerintah/Using the b. Discount rate
yield rate of Government Bonds
Asumsi lain yang digunakan dalam Other assumptions used in the calculation of
perhitungan cadangan atas estimasi klaim estimated claims are inflation rate and
yaitu tingkat inflasi dan asumsi biaya. expense assumption.
Estimasi klaim berdasarkan jenis asuransi Estimated claim based on class of business
adalah sebagai berikut: are as follows:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 4,214,370,939 (3,191,256,776) 1,023,114,163 3,725,667,325 (2,854,802,152) 870,865,173 Fire
Rangka Kapal 536,549,121 (282,806,168) 253,742,953 606,380,184 (396,482,407) 209,897,777 Marine hul
Rekayasa 1,359,943,032 (1,181,039,805) 178,903,227 984,697,197 (806,278,810) 178,418,387 Engineering
Onshore 361,759,677 (225,649,591) 136,110,086 59,389,199 (43,787,157) 15,602,042 Onshore
Offshore 677,247,969 (570,351,108) 106,896,861 524,887,035 (500,722,447) 24,164,588 Offshore
Pengangkutan 167,212,378 (75,043,293) 92,169,085 205,898,230 (89,030,530) 116,867,700 Marine cargo
Penerbangan 317,546,115 (285,549,946) 31,996,169 370,331,723 (322,322,853) 48,008,870 Aviation
Lainnya 1,079,596,882 (372,624,372) 706,972,510 1,527,795,848 (705,346,152) 822,449,696 Others
Jumlah 8,714,226,113 (6,184,321,059) 2,529,905,054 8,005,046,741 (5,718,772,508) 2,286,274,233 Total
Pada tanggal 31 Desember 2024 dan 2023 As of December 31, 2024 and 2023 included
termasuk dalam estimasi klaim adalah in estimated claims are estimated claims
estimasi klaim yang terjadi namun incurred but not yet reported (gross) (IBNR)
belum dilaporkan (bruto) (IBNR) masing- amounting to Rp520,650,939 and
masing sebesar Rp520.650.939 dan Rp290,252,484, respectively.
Rp290.252.484.
82
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Nilai mata uang asing dalam akun estimasi The amount of foreign currencies in the
klaim setelah dikurangi aset reasuransi estimated claims account after deducting
adalah sebagai berikut: reinsurance assets are as follows:
2024 2023
Rp Rp
Rupiah 1,058,488,729 770,983,720 Rupiah
Dolar Amerika Serikat 915,925,447 1,202,518,757 United States Dollar
Mata uang lainnya 34,839,939 22,519,272 Other currencies
Sub-Jumlah 2,009,254,115 1,996,021,749 Sub-total
IBNR 520,650,939 290,252,484 IBNR
Jumlah - neto 2,529,905,054 2,286,274,233 Total - Net
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
Untuk tahun 2024 dan 2023, untuk In 2024 and 2023, to calculate the estimated
menghitung estimasi klaim Grup claim the Group uses triangular method.
menggunakan metode triangular.
Rincian akun ini berdasarkan tertanggung Details of this account by claimant are as
adalah sebagai berikut: follows:
2024 2023
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 143,575,237 149,725,560 Related parties (note 39)
Pihak ketiga Third parties
PT Meares Soputan Mining 16,023,986 15,289,086 PT Meares Soputan Mining
Coupang Inc 9,905,416 435,708 Coupang Inc
PT Safilindo Permata 6,679,883 6,431,596 PT Safilindo Permata
PT Indobaruna Bulk Transport 4,811,337 4,793,440 PT Indobaruna Bulk Transport
PT Amman Mineral Nusa Tenggara 3,953,416 3,772,103 PT Amman Mineral Nusa Tenggara
PT Elang Nusantara Air 2,364,719 2,256,977 PT Elang Nusantara Air
PT Kompak Usaha Mandiri 2,200,000 2,200,000 PT Kompak Usaha Mandiri
Tomypak Flexible Tomypak Flexible
Packaging Sdn Bhd 2,126,013 -- Packaging Sdn Bhd
PT Trubaindo Coal Mining 2,107,131 2,147,099 PT Trubaindo Coal Mining
PT Toyota Astra Financial Services 1,989,605 1,917,029 PT Toyota Astra Financial Services
PT Adi Sarana Armada Tbk 1,506,335 1,502,885 PT Adi Sarana Armada Tbk
PT Pusaka Jaya Palu Tower 1,229,552 -- PT Pusaka Jaya Palu Tower
PT Tanjung Enim Lestari Pulp & Paper 1,211,682 1,156,111 PT Tanjung Enim Lestari Pulp & Paper
ENI Muara Bakau BV 1,113,349 1,010,863 ENI Muara Bakau BV
PT Asuransi Sinar Mas -- 13,158,803 PT Asuransi Sinar Mas
PT Chandra Asri PT Chandra Asri
Petrochemical Tbk -- 1,177,389 Petrochemical Tbk
Lainnya (masing-masing Others (each
di bawah Rp1.000.000) 242,793,447 198,348,205 below Rp1,000,000)
Sub-Jumlah 443,591,108 405,322,854 Sub-Total
IBNR 97,920,846 73,558,219 IBNR
Sub-jumlah - Perseroan 541,511,954 478,881,073 Sub total - The Company
83
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Pihak ketiga Third parties
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 160,304,966 12,727,048 Brokers Indonesia
PT Asuransi Central Asia 90,924,193 23,108,435 PT Asuransi Central Asia
PT Hanofer Indonesia 75,620,549 -- PT Hanofer Indonesia
PT Jasa Cipta Rembaka 76,597,269 7,283,936 PT Jasa Cipta Rembaka
Trinity Reinsurance Brokers Limited 69,831,042 -- Trinity Reinsurance Brokers Limited
PT IBS Reinsurance Brokers 60,924,568 4,870,342 PT IBS Reinsurance Brokers
PT Asuransi Astra Buana 45,437,881 -- PT Asuransi Astra Buana
PT Asia Reinsurance Brokers PT Asia Reinsurance Brokers
Indonesia 20,228,742 -- Indonesia
PT Asuransi Ramayana Tbk 16,854,659 -- PT Asuransi Ramayana Tbk
PT Asuransi Multi Artha Guna Tbk 16,179,171 -- PT Asuransi Multi Artha Guna Tbk
AON Benfield Asia Pte Ltd 10,205,631 24,491,274 AON Benfield Asia Pte Ltd
Simas Reinsurance Brokers 8,941,675 -- Simas Reinsurance Brokers
Lainnya (masing-masing Others (each
di bawah Rp1.000.000) 913,612,661 1,518,217,860 below Rp1,000,000)
Sub-Jumlah 1,565,663,007 1,590,698,895 Sub-Total
IBNR 422,730,093 216,694,265 IBNR
Sub-jumlah - Entitas anak 1,988,393,100 1,807,393,160 Sub total - Subsidiaries
Jumlah estimasi klaim 2,529,905,054 2,286,274,233 Total estimated claim
Rekonsiliasi perubahan estimasi klaim The reconciliation of changes in estimated
adalah sebagai berikut: claims are as follows:
31 Desember/December 31, 2024 31 Desember/December 31, 2023
Estimasi Aset Estimasi Aset
klaim/ reasuransi/ klaim/ reasuransi/
Estimated Reinsurance Neto/ Estimated Reinsurance Neto/
claims assets Net claims assets Net
Saldo awal 8,005,046,741 (5,718,772,508) 2,286,274,233 7,366,608,734 (5,567,503,963) 1,799,104,771 Beginning balance
Penurunan (kenaikan) Increase ( decrease)
estimasi klaim selama in estimated claim
tahun berjalan 709,179,372 (465,548,551) 243,630,821 638,438,007 (151,268,545) 487,169,462 during the year
Saldo Akhir 8,714,226,113 (6,184,321,059) 2,529,905,054 8,005,046,741 (5,718,772,508) 2,286,274,233 Ending Balance
17. Utang Reasuransi Dan Retrosesi 17. Reinsurance And Retrocession Payables
2024 2023
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 396,207,188 49,391,484 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 451,837,145 503,230,094 Brokers Indonesia
Arthur J Gallagher (UK) Ltd 182,506,965 118,194,852 Arthur J Gallagher (UK) Ltd
Swiss Reinsurance Company 88,632,440 46,215,306 Swiss Reinsurance Company
PT Asuransi Astra Buana 56,341,165 1,173,414 PT Asuransi Astra Buana
Willis Ltd 54,820,255 101,006,005 Willis Ltd
Aon Ltd 49,337,892 228,966,195 Aon Ltd
84
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Hannover Ruckversicherung 35,413,325 22,939,511 Hannover Ruckversicherung
Korean Reinsurance Co 29,759,477 20,435,727 Korean Reinsurance Co
Asia Capital Reinsurance Group Pte Ltd 27,477,468 21,734,007 Asia Capital Reinsurance Group Pte Ltd
Mitsui Bussan Pana Harrison Pte Ltd 21,230,043 24,350,765 Mitsui Bussan Pana Harrison Pte Ltd
Ai12 Dmcc 19,836,505 13,627,353 Ai12 Dmcc
PT Indoperkasa Suksesjaya Reasuransi 13,847,463 2,744,015 PT Indoperkasa Suksesjaya Reasuransi
PT KMDastur Indonesia Reinsurance 13,411,739 2,332,394 PT KMDastur Indonesia Reinsurance
Scor Se, Zurich Branch 11,522,035 9,183,244 Scor Se, Zurich Branch
PT Maskapai Reasuransi Indonesia 10,369,384 3,263,812 PT Maskapai Reasuransi Indonesia
Partner Reinsurance Asia Pte Ltd 10,175,224 8,262,136 Partner Reinsurance Asia Pte Ltd
Echo Reinsurance Ltd 10,149,306 8,744,339 Echo Reinsurance Ltd
Trust International Insurance 9,680,857 6,715,114 Trust International Insurance
Howden Speciality Asia Pacific 8,542,262 2,620,514 Howden Speciality Asia Pacific
China Reinsurance Group 7,051,854 3,519,693 China Reinsurance Group
PT IBS Reinsurance Brokers 6,928,226 8,805,756 PT IBS Reinsurance Brokers
Berkley Re Asia 6,784,854 3,585,857 Berkley Re Asia
Peak Reinsurance Company Ltd 6,762,215 1,550,989 Peak Reinsurance Company Ltd
Labuan Reinsurance Ltd (Malaysia) 6,378,000 5,548,648 Labuan Reinsurance Ltd (Malaysia)
Mapfre Re Singapore Branch 5,557,520 -- Mapfre Re Singapore Branch
Willis as Norway 5,479,247 5,417,274 Willis as Norway
Marsh Ltd 5,033,950 154,966,540 Marsh Ltd
United Insurance Brokekrs Ltd 4,423,895 5,287,006 United Insurance Brokekrs Ltd
Samsung Reinsurance Pte Ltd 3,972,286 2,794,500 Samsung Reinsurance Pte Ltd
Kuwait Reinsurance 3,177,008 3,206,748 Kuwait Reinsurance
PT Dharmapala Pialang Reasuransi 2,962,705 2,826,828 PT Dharmapala Pialang Reasuransi
PT Asuransi Tokio Marine Indonesia 2,432,988 6,586,721 PT Asuransi Tokio Marine Indonesia
PT Willis Reinsurance Brokers Indonesia 1,392,841 21,996,932 PT Willis Reinsurance Brokers Indonesia
PT Mitra Utama Reasuransi 1,319,192 13,022,476 PT Mitra Utama Reasuransi
PT AIG Insurance Indonesia 1,298,494 3,865,183 PT AIG Insurance Indonesia
Tigermar Global Pte Ltd 988,049 3,122,085 Tigermar Global Pte Ltd
PT Jasa Cipta Rembaka 785,230 7,497,282 PT Jasa Cipta Rembaka
Guy Carpenter & Co Ltd 592,058 11,169,188 Guy Carpenter & Co Ltd
PT Reasuransi Nusantara Makmur 474,476 2,268,651 PT Reasuransi Nusantara Makmur
PT AON Indonesia 403,925 67,605,188 PT AON Indonesia
Afr Asia Pacific Ltd 117,453 3,067,906 Afr Asia Pacific Ltd
PT Inare Proteksi Internasional 52,580 2,726,079 PT Inare Proteksi Internasional
Marsh Management Services (Mena) Ltd -- 4,831,543 Marsh Management Services (Mena) Ltd
Lainnya (dibawah Rp 1.000.000) 84,589,791 211,013,566 Others (below Rp 1,000,000)
Sub-jumlah 1,263,849,787 1,702,021,436 Sub-total
Jumlah Perseroan 1,660,056,975 1,751,412,920 Total The Company
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 1,341,537 468,482 Related parties (note 39)
Pihak ketiga Third parties
Willis Reinsurance Brokers Indonesia 32,404,810 -- Willis Reinsurance Brokers Indonesia
Marsh Reinsurance Brokers Indonesia 22,662,003 -- Marsh Reinsurance Brokers Indonesia
Guy Carpenter & Co Ltd 22,649,958 22,724,226 Guy Carpenter & Co Ltd
Taiping Reinsurance Co Ltd 16,881,025 -- Taiping Reinsurance Co Ltd
AON Broking Singapore 13,486,727 3,705,563 AON Broking Singapore
SAG Brokers (Hong Kong) Ltd 12,166,127 2,859,839 SAG Brokers (Hong Kong) Ltd
ED Broking (Hongkong) Limited 4,037,963 -- ED Broking (Hongkong) Limited
K.M. Dastur RE Broker Private Ltd 3,899,328 13,117,511 K.M. Dastur RE Broker Private Ltd
85
Page 596
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Asia Reinsurance Brokers Singapore 2,901,964 16,387,172 Asia Reinsurance Brokers Singapore
Willis Towers Watson 2,243,165 2,632,686 Willis Towers Watson
Mitsui Bussan Pana Harrison Pte Ltd 1,400,024 1,878,958 Mitsui Bussan Pana Harrison Pte Ltd
Asia Reinsurance Brokers Indonesia 827,778 1,381,641 Asia Reinsurance Brokers Indonesia
Scor Vie - Singapore 682,470 1,028,567 Scor Vie - Singapore
Arthur J Gallagher 438,259 5,424,818 Arthur J Gallagher
Hannover Ruck - Malaysia -- 9,150,140 Hannover Ruck - Malaysia
Samsung Fire & Marine Insurance Co Ltd -- 4,817,134 Samsung Fire & Marine Insurance Co Ltd
Lainnya (dibawah Rp1.000.000) 36,947,068 54,743,730 Others (below Rp1,000,000)
Sub-jumlah 173,628,669 139,851,985 Sub-total
Jumlah entitas anak 174,970,206 140,320,467 Total subsidiaries
Jumlah 1,835,027,181 1,891,733,387 Total
Saldo utang reasuransi pada 31 Desember As of December 31, 2024 and 2023,
2024 dan 2023, pada Unit Bisnis Syariah reinsurance payable in Sharia Business Unit
masing-masing adalah sebesar Rp3.773.410 amounted to Rp3,773,410 and Rp1,917,809,
dan Rp1.917.809 (Catatan 45). respectively (Note 45).
Rincian utang reasuransi dan utang retrosesi The details of reinsurance payables and
berdasarkan umur utang adalah sebagai retrocession payables based on aging are as
berikut: follows:
2024 2023
Rp Rp
Perseroan The Company
Utang reasuransi Reinsurance payables
Belum jatuh tempo 922,598,356 1,158,392,624 Current - not due
Telah jatuh tempo Past due
Kurang dari 90 hari 423,361,435 428,372,569 Less than 90 days
Lebih dari 90 hari 314,097,184 164,647,727 More than 90 days
Sub-jumlah - Perseroan 1,660,056,975 1,751,412,920 Sub total - the Company
Entitas anak Subsidiaries
Utang retrosesi Retrocession payables
Belum jatuh tempo 65,735,991 73,777,788 Current - not due
Telah jatuh tempo Past due
Kurang dari 90 hari 36,981,733 (18,847,138) Less than 90 days
Lebih dari 90 hari 72,252,482 85,389,817 More than 90 days
Sub-jumlah - entitas anak 174,970,206 140,320,467 Sub total - subsidiaries
Jumlah utang retrosesi 1,835,027,181 1,891,733,387 Total retrocession payables
Rincian utang reasuransi dan retrosesi The details of reinsurance and retrocession
berdasarkan mata uang adalah sebagai payables based on currencies are as follows:
berikut:
2024 2023
Rp Rp
Dolar Amerika Serikat 1,568,820,029 1,641,246,425 United States Dollar
Rupiah 207,111,939 128,000,740 Rupiah
Won Korea 4,690,935 3,013,469 Korean Won
Rupee India 8,070,984 23,660,015 Indian Rupee
Dolar Hongkong 4,914,511 10,331,745 Hongkong Dollar
Euro 354,684 867,746 Euro
Mata uang lainnya 41,064,099 84,613,247 Other currencies
Jumlah 1,835,027,181 1,891,733,387 Total
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
86
Page 597
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
18. Utang Komisi 18. Commissions Payables
Akun ini merupakan utang komisi kepada This account represents insurance
perusahaan broker asuransi atau commissions payable to insurance brokers
perusahaan asuransi lain. and other insurance entities.
2024 2023
Rp Rp
Komisi Broker 89,563,899 39,879,148 Brokerage commission
Komisi Agen 6,578,425 3,689,973 Agent commission
Jumlah 96,142,324 43,569,121 Total
Rincian akun ini berdasarkan jenis asuransi Details of this account by class of business
adalah sebagai berikut: are as follows:
2024 2023
Rp Rp
Kebakaran 48,920,116 10,477,878 Fire
Rangka Kapal 21,105,973 13,533,007 Marine Hull
KendaraanBermotor 7,773,889 3,857,208 Motor Vehicle
Rekayasa 4,909,551 8,476,553 Engineering
Pengangkutan 4,308,387 696,133 Cargo
Penerbangan 3,042,149 1,896,603 Aviation
Offshore 2,078,365 1,586,501 Offshore
Lainnya 4,003,894 3,045,238 Miscellaneous
Jumlah 96,142,324 43,569,121 Total
Utang komisi berdasarkan mata uang adalah The commissions payables based on
sebagai berikut: currencies are as follows:
2024 2023
Rp Rp
Dolar Amerika Serikat 65,540,840 25,891,820 United States Dollar
Rupiah 29,905,249 17,304,191 Rupiah
Dolar Singapura 570,659 360,192 Singapore Dollar
Euro 44,556 5,339 Euro
Poundsterling Inggris 68,282 -- Great British Pounds
Mata uang lain 12,738 7,579 Other currencies
Jumlah 96,142,324 43,569,121 Total
19. Perpajakan 19. Taxation
a. Pajak dibayar dimuka a. Prepaid taxes
2024 2023
Rp Rp
Perseroan The Company
Pasal 21 11,884,287 -- Article 21
Sub-jumlah - Perseroan 11,884,287 -- Sub total - Perseroan
Entitas anak Subsidiaries
Pasal 23 1,110,485 5,549,856 Article 23
Pasal 21 166 166 Article 21
Pasal 25 10,738,726 3,141,322 Article 25
Pasal 4 (2) final 19,872,937 11,790,274 Article 4(2) final
Pasal 28A 3,311,390 -- Article 28A
Pajak Pertambahan Nilai 32,763,855 14,756,747 Value Added Tax
Sub-jumlah - entitas anak 67,797,559 35,238,365 Sub total - subsidiaries
Jumlah 79,681,846 35,238,365 Total
87
Page 598
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Tagihan kekurangan pembayaran b. Tax underpayment bill
pajak
Pada tahun 2023, Perseroan dan TPInt On 2023, the Company and TPInt,
(Entitas Anak) menerima Surat Subsidiaries, received Tax Assessment
Ketetapan Pajak (SKP) untuk tahun Letters for the 2018 and 2020 tax years,
pajak 2018 dan 2020, sebagai berikut: as follows:
Enitas/ Tahun pajak/ Jenis pajak/ Nomor surat ketetapan pajak/ Tanggal terbit/ Jumlah/
Entity Fiscal Year Tax type Tax assessment letter number Issue date Total
Perseroan/ Pasal 29/ 4 Desember/
2018 SKPKB No.00027/206/18/062/23 2,602,874
The company Article 29 December 4, 2023
Perseroan/ Pasal 21/ 4 Desember/
2018 SKPKB No.00033/201/18/062/23 246,892
The company Article 21 December 4, 2023
Pasal 29/ 20 Desember/
TPInt 2020 BA-371/P2DK/KPP.061705/2023 406,405
Article 29 December 20, 2023
Jumlah/ Total 3,256,171
c. Utang pajak c. Taxes payables
Utang pajak terdiri dari: Taxes payables consist of:
2024 2023
Rp Rp
Perseroan The Company
Pajak penghasilan badan Corporate income tax
Pasal 21 599,251 10,052,509 Article 21
Pasal 23 518,636 892,104 Article 23
Pasal 26 93,097 4,746,273 Article 26
Pasal 29 43,390,079 130,001,665 Article 29
Pasal 4 (2) final -- 7,264 Article 4(2) final
Pajak Pertambahan Nilai 942,303 296,825 Value Added Tax
Sub-jumlah - Perseroan 45,543,366 145,996,640 Sub total - Perseroan
Entitas anak Subsidiaries
Pasal 21 3,167,228 3,661,468 Article 21
Pasal 23 170,999 171,173 Article 23
Pasal 25 267,309 189,186 Article 25
Pasal 29 1,291,041 29,259,679 Article 29
Pasal 4 (2) final 742 8,277 Article 4(2) final
Pajak Pertambahan Nilai 533,062 1,014,447 Value Added Tax
Pasal 26 62 41,803 Article 26
Sub-jumlah - entitas anak 5,430,443 34,346,033 Sub total - subsidiaries
Jumlah 50,973,809 180,342,673 Total
d. Beban pajak final dan pajak d. Final tax and income tax expense
penghasilan
2024 2023
Rp Rp
Beban pajak final: Final tax expenses:
Perseroan (42,544,644) (34,506,734) The Company
Entitas Anak (26,735,446) (17,653,160) Subsidiaries
Konsolidasi (69,280,090) (52,159,894) Consolidated
Beban pajak penghasilan Income tax expense:
Perseroan The Company
Kini (117,717,580) (288,292,015) Current
Tangguhan 3,759,739 (3,050,451) Deferred
(113,957,841) (291,342,466)
88
Page 599
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Entitas anak Subsidiaries
Kini (15,053,821) (32,784,452) Current
Tangguhan 15,422,892 46,057,540 Deferred
369,071 13,273,088
Konsolidasi Consolidated
Kini (132,771,401) (321,076,467) Current
Tangguhan 19,182,631 43,007,089 Deferred
Jumlah (113,588,770) (278,069,378) Total
Rekonsiliasi antara laba sebelum The reconciliation between income
beban pajak final dan pajak before final and income tax expense and
penghasilan dan penghasilan kena the taxable income for the year is as
pajak untuk tahun berjalan adalah follows:
sebagai berikut:
2024 2023
Rp Rp
Laba konsolidasian sebelum Consolidated income
pajak penghasilan 864,101,561 1,580,170,647 before tax
Keuntungan anak perusahaan Gain before tax
sebelum pajak 45,225,796 69,966,257 from subsidiaries
Eliminasi konsolidasian (138,161,919) (113,131,733) Consolidation elimination
Laba sebelum pajak penghasilan 771,165,438 1,537,005,171 Income before tax
Beda waktu: Temporary differences:
Estimasi klaim retensi sendiri (2,348,710) 14,390,479 Estimated own retention claim
Penyisihan kerugian Allowance for
penurunan nilai 24,362,627 (5,270,717) impairment losses
Premi belum merupakan pendapatan (9,663,349) (9,783,735) Unearned premium reserve
Libilitas sewa 1,689,132 164,946 Lease liabilitas
Amortisasi aset hak guna (337,418) (399,515) Allowance for
Cadangan penurunan nilai aset lainnya 1,433,920 2,234,575 impairment losses
Liabilitas imbalan kerja 1,953,523 19,956,268 Employee benefits liabilities
17,089,725 21,292,301
Beda tetap: Permanent differences:
Pendapatan investasi yang Investment income
dikenakan pajak final (332,685,585) (317,162,273) subject to final tax
Biaya yang tidak diperkenankan 36,965,688 34,776,319 Non-deductible expenses
Beban pajak final 42,544,644 34,506,734 Final tax expense
(253,175,253) (247,879,220)
Penghasilan kena pajak 535,079,910 1,310,418,252 Taxable income
Beban pajak penghasilan 117,717,580 288,292,015 Income tax expense
Dikurangi: Less:
Pajak dibayar di muka Prepaid tax
- Pasal 25 (74,327,501) (158,290,350) Article 25 -
Liabilitas (tagihan) Corporate income tax
pajak penghasilan 43,390,079 130,001,665 liability (receivable)
Berdasarkan Undang-Undang Under the Taxation Laws of Indonesia,
Perpajakan yang berlaku di Indonesia, the Group submits tax returns on the
Grup menghitung, menetapkan, dan basis of self-assessment. The
membayar sendiri besarnya jumlah Directorate General of Taxation (“DGT”)
pajak yang terhutang. Direktorat may assess or amend taxes within five
Jenderal Pajak ("DJP") dapat years of the time the tax becomes due.
menetapkan atau mengubah utang
pajak dalam batas waktu lima tahun
sejak saat terhutangnya pajak.
89
Page 600
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
e. Aset pajak tangguhan e. Deferred tax assets
31 Desember/December 31, 2024
(Dibebankan)
Dibebankan ke dikreditkan/
penghasilan ke laporan
komprehensif laba rugi/
lain/Charged (Charged)/
Saldo awal/ to the other credited Saldo akhir/
Beginning comprehensive to profit Ending
balance income and loss balance
Perseroan The Company
Estimasi klaim retensi sendiri 16,182,808 -- 5,359,778 21,542,586 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 27,988,603 -- (2,125,937) 25,862,666 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan 2,291,473 -- (516,716) 1,774,757 reserves
Liabilitas imbalan kerja 57,905,554 (13,463,432) 429,775 44,871,897 Employee benefit liabilities
Keuntungan obligasi belum diakui (10,239,072) 6,202,013 -- (4,037,059) Unrealized gain of bonds
Penyisihan kerugian Allowance for impairment
penurunan nilai aset lainya 491,606 -- 315,462 807,068 losses other assets
Aset hak guna (499,164) -- (74,232) (573,396) Right of use assets
Liabilitas Sewa 215,221 -- 371,609 586,830 Leases liability
Sub-jumlah 94,337,029 (7,261,419) 3,759,739 90,835,349 Sub-total
Entitas anak Subsidiaries
Estimasi klaim retensi sendiri 65,114,124 -- 15,359,837 80,473,961 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 41,795,105 -- 1,617,479 43,412,584 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan 78,080,107 -- (6,694,269) 71,385,838 reserves
Liabilitas imbalan kerja 5,142,409 (886,873) (107,846) 4,147,690 Employee benefit liabilities
Keuntungan obligasi belum diakui (1,582,006) 520,630 3,802,598 2,741,222 Unrealized gain of bonds
Sewa 860,608 -- 929,041 1,789,649 Leases
Persediaan (1,018,582) -- 505,822 (512,760) Inventories
Aset Tetap (1,078,042) -- 2,182,111 1,104,069 Fixed Assets
Beban Amortitasi (1,488,536) -- (1,288,507) (2,777,043) Amortization expense
Bonus dan Kompensasi karyawan 1,488,533 -- (883,374) 605,159 Bonuses and employee compensation
Sub-jumlah 187,313,720 (366,243) 15,422,892 202,370,369 Sub-total
Jumlah 281,650,749 (7,627,662) 19,182,631 293,205,718 Total
31 Desember/December 31, 2023
(Dibebankan)
Dibebankan ke dikreditkan/
penghasilan ke laporan
Penyesuaian komprehensif laba rugi/
pajak tangguhan/ lain/Charged (Charged)/
Saldo awal/ Adjusment to the other credited Saldo akhir/
Beginning on deferred comprehensive to profit Ending
balance tax income and loss balance
Perseroan The Company
Estimasi klaim retensi sendiri 13,016,903 -- -- 3,165,905 16,182,808 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 29,148,161 -- -- (1,159,558) 27,988,603 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan 5,921,540 (1,477,645) -- (2,152,422) 2,291,473 reserves
Liabilitas imbalan kerja 55,177,574 -- (1,662,399) 4,390,379 57,905,554 Employee benefit liabilities
Keuntungan obligasi belum diakui (5,635,986) -- (4,603,086) -- (10,239,072) Unrealized gain of bonds
Deemed dividend 6,024,773 -- -- (6,024,773) -- Deemed dividend
Penyisihan kerugian Allowance for impairment
penurunan nilai aset lainya -- -- -- 491,606 491,606 losses other assets
Aset hak guna -- (411,271) -- (87,893) (499,164) Right of use assets
Liabilitas Sewa -- 178,933 -- 36,288 215,221 Leases liability
Sub-jumlah 103,652,965 (1,709,983) (6,265,485) (1,340,468) 94,337,029 Sub-total
Entitas anak Subsidiaries
Estimasi klaim retensi sendiri 28,707,596 -- -- 36,406,528 65,114,124 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 43,755,761 -- -- (1,960,656) 41,795,105 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan 22,060,793 -- -- 56,019,314 78,080,107 reserves
Liabilitas imbalan kerja 5,293,312 -- 430,733 (581,636) 5,142,409 Employee benefit liabilities
Keuntungan obligasi belum diakui (1,678,499) -- 96,493 -- (1,582,006) Unrealized gain of bonds
Deemed dividend 15,883,491 -- -- (15,883,491) -- Deemed dividend
Sewa (2,778,023) -- -- 3,638,631 860,608 Leases
Persediaan (474,961) -- -- (543,621) (1,018,582) Inventories
Aset Tetap (2,446,651) -- -- 1,368,609 (1,078,042) Fixed Assets
Beban Amortitasi 433,214 -- -- (1,921,750) (1,488,536) Amortization expense
Rugi Fiskal 31,096,324 -- -- (31,096,324) -- Fiscal loss
Bonus dan Kompensasi karyawan 876,597 -- -- 611,936 1,488,533 Bonuses and employee compensation
Sub-jumlah 140,728,954 -- 527,226 46,057,540 187,313,720 Sub-total
Jumlah 244,381,919 (1,709,983) (5,738,259) 44,717,072 281,650,749 Total
f. Rekonsiliasi perpajakan f. Tax reconciliation
Rekonsiliasi antara beban pajak dan A reconciliation between the tax
hasil perkalian laba akuntansi sebelum expenses and the amounts computed by
pajak menurut laporan laba rugi dan applying the prevailing tax rates to profit
90
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
penghasilan komprehensif lain dengan before tax per statement of profit or loss
tarif pajak yang berlaku adalah sebagai and other comprehensive income is as
berikut: follows:
2024 2023
Rp Rp
Laba konsolidasian sebelum Consolidated income
pajak penghasilan 864,101,561 1,580,170,647 before tax
Keuntungan anak perusahaan Gain before tax
sebelum pajak 45,225,796 69,966,257 from subsidiaries
Eliminasi konsolidasian (138,161,919) (113,131,733) Consolidation elimination
Laba sebelum pajak penghasilan 771,165,438 1,537,005,171 Income before tax
Beban pajak penghasilan dengan Income tax expense at effective
tarif pajak efektif 169,656,396 338,141,138 tax rate
Pengaruh pajak atas manfaat (beban) Tax effects of (non-taxable income)
yang tidak dapat diperhitungkan non-deductible expenses:
Pendapatan investasi yang Investment income
dikenakan pajak final (73,190,829) (69,775,700) subject to final tax
Biaya yang tidak diperkenankan 8,132,451 7,650,790 Non-deductible expenses
Beban pajak final 6,381,697 5,176,010 Final tax expense
Penyesuaian atas pajak tangguhan 2,978,126 10,150,228 Adjust on the tax determined tax
Jumlah (55,698,555) (46,798,672) Total
Beban pajak Perusahaan 113,957,841 291,342,466 Company’s tax expense
g. Surat ketetapan pajak g. Tax assessment letters
Perseroan The Company
2018 2018
Pada 19 Juni 2023 diterimanya surat On June 19 2023, the tax field inspection
pemeriksaan lapangan perpajakan S- letter S-00501/RIKSIS/KPP.0411/2023
00501/RIKSIS/KPP.0411/2023 untuk was received for the 2018 tax year as
tahun pajak 2018 sekaligus pemenuhan well as fulfilling the request to borrow
Permintaan Peminjaman Buku, Catatan books, notes and documents. It is
dan Dokumen. Wajib banyak mandatory to provide many responses
memberikan tanggapan dan penjelasan and explanations via letter No.
melalui surat No. 002/S/04/ACC- 002/S/04/ACC-ATPI/VIII/2023, the
ATPI/VIII/2023, proses pemeriksaan inspection process continues until
berlangsung sampai dengan Notification Letter of Examination
dikeluarkan Surat Pemberitahuan Hasil Results (SPHP) No. is issued. S-
Pemeriksaan (SPHP) No. S- 00930/RIKSIS/KPP.0411/2023 on
00930/RIKSIS/KPP.0411/2023 pada November 20, 2023.
tanggal 20 November 2023.
Perseroan dan pemeriksa telah The Company and the examiner have
menyetujui beberapa poin dari SPHP agreed on several points of the SPHP so
sehingga diterbitkan Surat Ketetapan that an Underpayment Tax Assessment
Pajak Kurang Bayar (SKPKB) dengan (SKPKB) has been issued with the
perincian sebagai berikut: following details:
1. SKPKB No. 00027/206/18/062/23 1. SKPKB No. 00027/206/18/062/23 for
atas PPh Badan Th 2018 senilai 2018 Corporate Income Tax worth
AS $167,949 (nilai penuh); US $ 167.949 (full amount);
2. SKPKB No. 00033/201/18/062/23 2. SKPKB No. 00033/201/18/062/23 for
atas PPh 21 Tahun 2018 senilai PPh 21/2018 worth Rp246,892.
Rp246.892.
Atas kedua SKPKB yang diterbitkan The two SKPKBs were issued on
pada tanggal 4 Desember 2023 December 4, 2023, the Company has
tersebut, Perseroan melakukan paid the SKPKB and recognized tax
pembayaran SKPKB dan mengakui penalties which recorded as other
91
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
denda pajak yang dicatat pada beban expenses in financial statement 2023.
lain-lain dalam laporan keuangan tahun
2023.
2021 2021
Pada laporan SPT Badan Tahun Buku In the Annual Tax Return (SPT) of
2021, Perusahaan mencatat lebih bayar financial year 2021, the Company has
sebesar Rp15.641.126. Atas itu, pada recognized tax overpayment by
tahun 2022, Perseroan menerima Surat Rp15,641,126. Thus, in 2022, the
Pemberitahuan Pemeriksaan Lapangan Company has received Notification of
Pajak Badan Tahun Buku 2021 PEMB- Corporate Tax Field Audit financial year
00281/WPJ.04/KP.1104/ RIK.SIS/2022. 2021 PEMB00281 WPJ.04/
KP.1104/RIK.SIS/2022.
Perseroan menerima Berita Acara The Company had received
Pemberian Keterangan pada tanggal Minutes of Information Provision at
12 September 2022. Serta Surat September 12, 2022, along with
Permintaan Peminjaman Buku, Request Letter of Book, Notes,
Catatan, dan Dokumen No.S-111/KPP. and Documents Number S-
0411/PaPJ.2/VI/2022 sehubungan 111/KPP.0411/PaPJ.2/VI/2022 regarding
dengan Permintaan Peminjaman Buku, to the Request for Borrowing Books,
Catatan dan Dokumen. Pada tahun Records and Documents. In 2023, the
2023, Perseroan telah menyetujui hasil Company has agreed to the audit results
pemeriksaan dan telah menerima Surat and has received Tax Overpayment
Perintah Membayar Kelebihan Pajak Refund Order issued by the tax
yang diterbitkan oleh kantor pajak office in SKPKPP KEP-
dalam SKPKPP KEP- 00059/PPH/KPP.0411/2023 Corporate
00059/PPH/KPP.0411/2023 PPh Badan Income Tax issued on June 14, 2023
yang diterbitkan pada in the amount of Rp12,306,329 with the
14 Juni 2023 sebesar Rp12.306.329 following details:
dengan perincian sebagai berikut:
1. SKPLB No. 00047/406/21/062/23 1. SKPLB No. 00047/406/21/062/23 on
atas PPh Badan senilai corporate income tax amounting to
Rp13.018.450; Rp13,018,450;
2. SKPKB No.00069/201/21/062/23 2. SKPKB No.00069/201/21/062/23 on
atas PPh 21 sebesar Rp330.184; Income Tax 21 amounting to
Rp330,184;
3. SKPKB No.00005/243/21/062/23 3. SKPKB No.00005/243/21/062/23 on
atas PPh 21 Final sebesar Final Income Tax of Rp337,395;
Rp337.395.
4. SKPKB No. 00061/240/21/062/23 4. SKPKB No. 00061/240/21/062/23 on
atas PPh 4 Ayat 2 sebesar Income Tax 4 Paragraph 2 in the
Rp44.541. amount of Rp44,541.
Keseluruhan SKP yang diterima All SKPs received were issued on April
tersebut diterbitkan pada tanggal 13, 2023. There is difference amounted
13 April 2023. Terdapat selisih sebesar to Rp3,334,795 with the value of the
Rp3.334.795 dengan nilai lebih bayar 2021 corporate tax overpayment in the
pajak badan tahun 2021 yang telah Company’s financial statement. The
dicatat pada laporan keuangan Company recorded other expenses for
Perseroan. Perseroan mencatatkan the difference in 2023.
beban lain-lain atas selisih tersebut
pada tahun 2023.
92
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Entitas Anak The subsidiaries
Tugu Pratama Interindo (TPInt) Tugu Pratama Interindo (TPInt)
2019 2019
Pada tanggal 30 Juni 2020 diterimanya On June 30, 2020, Audit Order
Surat Perintah Pemeriksaan No.PRIN- Letter No.PRIN-00150/WPJ.06/KP.0805/
00150/WPJ.06/KP.0805/RIK.SIS/2020 RIK.SIS/2020 was received for the 2019
untuk tahun pajak 2019. Pada 28 April tax year. On April 28, 2021, TPint
2021 Perusahaan menerima menerima received an Overpaid Tax Assessment
Surat Ketetapan Pajak Lebih Bayar Letter (SKPLB) No. 00015/406/19/
(SKPLB) No.00015/406/19/071/21 atas 071/21 for the 2019 Corporate Income
Pajak Penghasilan Badan Tahun 2019 Tax amounting to Rp6,245,433.
sebesar Rp6.245.433.
Pada Tahun 2020, TPInt menerima In 2020, TPInt received several Tax
beberapa Surat Tagihan Pajak (STP) Collection Letters (STP) and Tax
dan Surat Ketetapan Pajak Kurang Underpayment Assesment Letter
Bayar (SKPKB) dengan total nilai (SKPKB) with a total value of
sebesar Rp116.070. Rp116,070.
TPint menyetujui STP dan SKPKB TPint approved the STP and SKPKB and
tersebut dan pembayaran atas pajak the payment of the tax was made by
tersebut dilakukan dengan cara compensating the tax payable against
mengkompensasikan utang pajak the SKPLB received by the subsidiary.
tersebut terhadap SKPLB yang And on September 1, 2021, in
diterima oleh entitas anak. Dan pada accordance with the Order to Pay
tanggal 1 September 2021 sesuai Excess Tax (SPM-KP) which has been
dengan Surat Perintah Membayar issued by the Tax Office, TPint received
Kelebihan Pajak (SPM-KP) yang telah the remaining 2019 Corporate Tax
diterbitkan oleh Kantor Pajak, TPint Overpayment of Rp5,468,361.
menerima sisa Kelebihan Pembayaran
Pajak Badan Tahun 2019 sebesar
Rp5.468.361.
Atas SPM-KP tersebut, pada tanggal Regarding the SPM-KP, on October 12,
12 Oktober 2021 TPint mengajukan 2021, the TPint submitted an objection
surat keberatan atas perhitungan letter on the calculation of compensation
kompensasi utang pajak sebesar for tax debts amounting to Rp661,001
Rp661.001 karena nilai tersebut adalah because the amount is a reduction in tax
pengurangan sanksi pajak yang telah sanctions that have been given by the
diberikan oleh Dirjen Pajak sesuai Director General of Taxes in accordance
dengan Surat Keputusan Dirjen Pajak with the Decree of the Director General
No.03886- 03893/NKEB/WPJ.06/2020. of Taxes No. 03886- 03893/NKEB/
Untuk itu Perseroan memohon agar WPJ.06/2020. For this reason, the
Kantor Pajak dapat membayarkan sisa Company requests that the Tax Office
Pajak Lebih Bayar sebesar be able to refund the remaining overpaid
Rp661.001. tax of Rp661,001.
Atas sisa Pajak Lebih Bayar PPh The remaining corporate income tax
Badan sebesar Rp661.001 tersebut overpayment amounting to Rp661,001
telah diterima dalam bentuk pemindah has been received in the form of a book
bukuan di tahun 2023 ke pembayaran transfer in 2023 to the payment of PPh
PPh pasal 21 sebesar Rp661.001. article 21 amounting to Rp661,001.
Sehingga, seluruh Pajak Lebih Bayar Thus, all Corporate Income Tax
Pph Badan telah diterima oleh Overpayments have been received by
Perusahaan. the Company.
93
Page 604
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2020 2020
Pada bulan Desember 2023, In December 2023, the Company
Perusahaan menerima Surat received Data Explanation Request
Permintaan Penjelasan Data No.S- Letter No.S-1181/P2DK/KPP.0617/2023
1181/P2DK//KPP.0617/2023 per dated 24 November 2023 on 2020
tanggal 24 Nopember 2023 atas taxation. To this letter, the Company has
perpajakan Tahun 2020. Atas surat responded through letter No.
tersebut, Perusahaan telah 138/TPInt/Akt/XII/2023. On 20
memberikan tanggapan melalui surat December 2023, the Minutes
No. 138/TPInt/Akt/XII/2023. Pada of Settlement no. BA-371/P2DK/
tanggal 20 Desember 2023, telah KPP.061705/2023 was signed and the
ditandatangani Berita Acara Company agreed on the following
Penyelesaian No. BA-371/P2DK/ matters:
KPP.061705/2023 dan Perusahaan
menyepakati hal-hal berikut ini:
1. Melakukan pemindah bukuan 1. Bookkeeping due to incorrect
akibat salah setor PPh Pasal 21 deposit of Article 21 income tax
sebesar Rp32.706; amounting to Rp32,706;
2. Melakukan pemindah bukuan Transferring books due to incorrect
akibat salah setor Pajak income tax deposits of Rp1,211,968;
penghasilan sebesar Rp1.211.968;
3. Melakukan revisi atas SPT Badan Revise the 2020 Corporate Tax
Tahun 2020 dengan Return by adding a positive fiscal
menambahkan koreksi fiscal positif correction to other general expenses
atas beban umum lainnya sebesar of Rp1,847,293, so that there is an
Rp1.847.293, sehingga terdapat underpayment of income tax ps. 29
kurang bayar PPh ps. 29 sebesar amounted to Rp406,405. And for the
Rp406.405. Dan atas kurang bayar underpayment of article 29 income
PPh pasal 29 tersebut Perusahaan tax, the Company have paid a
telah melakukan penyetoran pada deposit in January 2024.
bulan Januari 2024.
2021 2021
Pada tanggal 31 Juli 2023, Perusahaan On July 31, 2023, the Company received
menerima Surat Pemberitahuan Hasil a Notification of Tax Audit Results
Pemeriksaan Pajak (SPHP) Tahun (SPHP) Year 2021 No. S-
2021 No. S-00598/RIKSIS/KPP.0617/ 00598/RIKSIS/KPP.0617/2023 with the
2023 dengan hasil PPh Badan Lebih results of Overpaid Corporate Income
Bayar sebesar Rp5.189.625, PPh pasal Tax of Rp5,189,625, Accrued PPh article
26 yang masih harus dibayar sebesar 26 of Rp187,659 and Article 4 paragraph
Rp187.659 dan PPh pasal 4 ayat 2 2 Income Tax of Rp8,445 to the SPHP,
sebesar Rp8.445 Atas SPHP tersebut the Company responded through Letter
Perusahaan memberikan tanggapan no. 088/TPInt/Akt/VIII/2023 on August 2,
melalui Surat No. 088/TPInt/Akt/VIII/ 2023 stating that the Overpaid Corporate
2023 pada tanggal 2 Agustus 2023 Income Tax should be Rp5,197,643. and
yang menyatakan bahwa PPH Badan income tax; and Article 4 paragraph 2
Lebih bayar seharusnya Rp5.197.643 should be Nil, while for the results of
dan PPh pasal 4 ayat 2 seharusnya PPh article 26 it was agreed to be
Nihil, sedangkan untuk hasil PPh pasal Rp189,659. For the SPHP the Company
26 disepakati sebesar Rp189.659 Atas received SKPLB and STP as of date
SPHP tersebut Perusahaan menerima 8 August 2023 as follows;
SKPLB dan STP per tanggal
8 Agustus 2023 sebagai berikut;
1. SKPLB No 00114/406/21/078/23 1. SKPLB No 00114/406/21/078/23 on
atas pajak penghasilan sebesar income tax of Rp5,197;
Rp5.197;
94
Page 605
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. SKP Nihil No 00067/501/21/078/23 2. SKP Nihil No 00067/501/21/078/23
atas PPh Pasal 21 sebesar Nihil; on Article 21 income tax of Nil;
3. SKP Nihil No 00131/503/21/078/23 3. SKP Nihil No 00131/503/21/078/23
atas PPh Pasal 23 sebesar Nihil; on Article 23 income tax of Nil;
4. SKP Nihil No 00071/504/21/078/23 4. SKP Nihil No 00071/504/21/078/23
atas PPh Pasal 26 sebesar Nihil; on income tax Article 26 amounted
to Nil;
5. SKPKB no. 00020/204/21/078/23 5. SKPKB no. 00020/204/21/078/23 on
atas PPh Pasal 26 sebesar Article 26 income tax amounting to
Rp190.145; Rp 190,145;
6. SKP Nihil No 00154/450/21/078/23 6. SKP Nihil No 00154/450/21/078/23
atas PPh Pasal 4(2) sebesar Nihil; on Article 4(2) income tax of Nil;
7. SKP Nihil No 00155/450/21/078/23 7. SKP Nihil No 00155/450/21/078/23
atas PPh Pasal 4(2) sebesar Nihil. on Article 4(2) income tax of Nil.
Perusahaan setuju untuk melakukan The Company agrees to make payment
pembayaran atas SKPKB yang for the SKPKB received by making direct
diterima dengan cara melakukan deductions on the SKPLB to
pemotongan langsung pada SKPLB be received. On September 5, 2023,
yang akan diterima. Tanggal the Tax Office issued a Return
5 September 2023 Kantor Pajak of Tax Overpayment No.
menerbitkan Surat Pengembalian Kep-00227/PPH/KPP.0617/2023 of
Kelebihan Pembayaran Pajak No. Kep- Rp5,007,984 and the return of the
00227/PPH/KPP.0617/2023 sebesar SKPLB that had been net-off with the
Rp Rp5.007.984 dan atas SKPKB was received by the Company
pengembalian SKPLB yang telah on October 9, 2023.
dikurangkan dengan SKPKB tersebut
diterima oleh Perusahaan pada tanggal
9 Oktober 2023.
2022 2022
Tanggal 25 Mei 2023, Perusahaan On May 25, 2023, the Company
menerima Surat No. S- received Letter No. S-
00377/RIKSIS/KPP-0617/2023 perihal 00377/RIKSIS/KPP-0617/2023 regarding
Pemberitahuan Pemeriksaan the Notice of Field Audit for the period
Lapangan untuk period Januari sampai January to December 2022. Until the
Desember 2022. Sampai dengan completion date of these consolidate
tanggal penyelesaian laporan financial statement, the examination is
keuangan konsolidasian ini, still on progress.
pemeriksaan tersebut masih dalam
proses.
Pratama Mitra Sejati (PMS) Pratama Mitra Sejati (PMS)
2019 2019
Pada tahun 2023 Perusahaan In 2023 the Company received
menerima Surat Pemeriksaan No. Examination Letter No.
S-46/WPJ.064/2023 untuk tahun 2019. S-46/WPJ.064/2023 for 2019.
Atas Surat pemeriksaan tersebut pada Based on the tax audit in 2024, the
tahun 2024 Perusahaan menerima Company received Tax Underpayment
Surat Ketetapan Pajak Kurang Bayar Assessment Letters ("SKPKB")
(“SKPKB) PPh 21 No consisting of Income Tax Article 21
00024/201/19/073/24 Sebesar SKPKB No. 00024/201/19/073/24
Rp105.001, Surat Ketetapan Pajak amounting to Rp105,001, Corporate
Kurang Bayar (“SKPKB) PPh Badan Income Tax SKPKB No.
No. 00014/206/19/073/24 Sebesar 00014/206/19/073/24 amounting to
Rp17.482.409 , Surat Ketetapan Pajak Rp17,482,409, Value Added Tax (VAT)
95
Page 606
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Kurang Bayar (“SKPKB) PPN No. SKPKB No. 00032/207/19/073/24
00032/207/19/073/24 Sebesar amounting to Rp7,216,739, and Income
Rp7.216.739 dan Surat Ketetapan Tax Article 4(2) SKPKB No.
Pajak Kurang Bayar (“SKPKB) PPh 4 00021/240/19/073/24 amounting to
Ayat 2 No. 00021/240/19/073/24 Rp313,004.
Sebesar Rp313.004.
Pada bulan Oktober 2024 Perusahaan In October, 2024, the Company filed a
mengajukan Keberatan ke kantor pajak Tax Objection to the Tax Office for the
atas seluruh Surat Ketetapan Pajak Underpayment Tax Assessment Letter,
Kurang Bayar (“SKPKB”), namun however the Company has not received
sampai dengan saat ini Perusahaan any decision from the Tax Office until
belum menerima penetapan dari kantor now.
pajak.
2021 2021
Pada tahun 2023, Perseroan menerima In 2023, the Company received an
Surat Ketetapan Pajak Lebih Bayar Overpaid Tax Assessment Letter
(”SKPLB”) No.00109/406/21/073/23 ("SKPLB") No.00109/406/21/073/23 on
atas pajak penghasilan untuk tahun income tax for 2021 of Rp1,100,154 and
2021 nilai sebesar Rp1.100.154 dan has received the overpayment of the tax.
telah menerima atas lebih bayar pajak
tersebut
20. Beban Akrual 20. Accrued Expense
2024 2023
Rp Rp
Bonus dan remunerasi 153,172,352 234,216,053 Bonus and remuneration
Pemasaran 111,818,807 24,238,148 Marketing
Umum dan kepegawaian lainnya 9,080,345 7,129,047 General and other employee expense
Jasa profesional 2,637,072 5,518,604 Professional fee
Operasional kendaraan 976,423 -- Motor vehicle operational
Lainnya ( masing-masing dibawah Others (each below
Rp350.000) 11,680,194 19,375,986 Rp350,000)
Jumlah 289,365,193 290,477,838 Total
Termasuk di dalam akun beban akrual Included in other accrual expenses are utility
bonus dan remunerasi adalah akrual tantiem accruals for the company's operational
Direksi dan tunjangan karyawan. activities.
Termasuk di dalam beban akrual lainnya Included in the bonus and remuneration
adalah akrual utilitas kegiatan operasional accrued expense account are accrued
perusahaan. bonuses for the Board of Directors and
employee benefits.
21. Utang Lain-Lain 21. Other Payables
2024 2023
Rp Rp
Utang usaha 50,104,825 54,731,262 Trade payable
Utang jaminan kas 45,847,673 45,456,685 Cash deposit
Pendapatan diterima dimuka 44,505,216 799,002 Unearned revenue
Dana Tabarru' 36,473,310 23,557,441 Tabarru' fund
Utang biaya yang masih harus dibayar 18,187,116 76,306,443 Deferred expenses payable
96
Page 607
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
Penyisihan kontribusi yang belum Unearned contributions provisions
menjadi hak dan penyisihan manfaat reserves and liabilities for
polis masa depan 17,054,113 6,943,148 future policy benefts
Penyisihan ujroh 14,005,202 6,707,468 Ujroh payable
Utang syariah 3,245,788 2,045,737 Sharia payables
Utang pembelian barang modal 7,061,805 30,781,615 Capital Expenditure Purchase Payable
Penyisihan klaim syariah 6,195,938 4,672,592 Sharia reserves of claims
Utang komisi syariah 2,606,576 2,272,209 Sharia comission payable
Utang ujroh reasuransi 1,117,325 10,724,467 Reinsurance ujroh payable
Lainnya (masing-masing di bawah Others (each below
Rp1.000.000) 4,994,947 5,439,262 Rp1,000,000)
Jumlah 251,399,834 270,437,331 Total
Pendapatan diterima di muka merupakan Unearned revenue represents subsidiary’s
pendapatan sewa dan jasa pemeliharaan rental and service charge income received in
dari penyewa yang diterima dimuka oleh advance by subsidiary (PMS) from building
entitas anak (PMS) dari penyewa gedung. tenants.
Pada tanggal 31 Desember 2024 dan 2023 As of December 31, 2024 and 2023,
saldo Unit Bisnis Syariah untuk penyisihan Unearned contributions provisions reserves
kontribusi yang belum menjadi hak dan and liabilities for future policy benefits in
penyisihan manfaat polis masa depan Sharia Business Unit amounted to
masing-masing sebesar Rp17.054.126 dan Rp17,054,126 and Rp6,943,148 respectively,
Rp6.943.148, dan penyisihan klaim masing- and reserves of claims amounted to
masing sebesar, Rp6.195.938 dan Rp6,195,938 and Rp4,672,592, respectively
Rp4.672.592 (Catatan 45). (Note 45).
22. Liabilitas Imbalan Kerja 22. Employee Benefit Liabilities
Grup menyediakan imbalan pensiun The Group provides pension benefits in
berdasarkan UU Cipta Kerja No. 6 Tahun accordance with Job Creation Law No. 6 of
2023. Secara substansi program pensiun 2023. Since the Law sets the formula for
dalam UU Cipta Kerja No. 6 Tahun 2023 determining the minimum amount of benefits,
merupakan program imbalan pasti karena in substance pension plans under Job
undang-undang telah menetapkan formula Creation Law No. 6 of 2023 represent defined
dalam menentukan jumlah minimum benefit plans. If the employee funded portion
imbalan. Jika porsi program imbalan pensiun of the pension plan benefit is less than the
yang didanai oleh karyawan lebih rendah benefit per the Job Creation Law, the Group
dari imbalan yang menurut undang-undang, will provide provision for such shortage
Grup akan membentuk penyisihan untuk
menutupi kekurangan tersebut
Manajemen berkeyakinan bahwa saldo The management believes the balance of
liabilitas imbalan kerja tersebut cukup untuk employee benefits liability is sufficient to cover
memenuhi imbalan minimum sesuai dengan the minimum benefits required under the
UUCK. UUCK.
Grup mencatat liabilitas imbalan kerja The Group recorded employee benefits based
berdasarkan perhitungan aktuaris on independent actuaries’ calculation. Post
independen. Perhitungan imbalan pasca employment benefits were calculated by
kerja dihitung oleh Kantor Konsultan Steven & Mourits, Actuarial Consulting and its
Aktuarial Steven & Mourits dan entitas anak subsidiaries TRI and PMS calculated by Setya
TRI dan PMS adalah Kantor Konsultan Widodo, Actuarial Consulting.
Aktuarial Setya Widodo.
97
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Asumsi utama yang digunakan dalam The actuarial valuation for the Group was
menentukan penilaian aktuaris untuk Grup carried out using the following key
adalah sebagai berikut: assumptions:
2024 2023
Tingkat diskonto 6.70%-7.10% 5.75%-7.00% Discount rate
Tingkat kenaikan gaji 5.00%-10.00% 5.00%-10.00% Future salary increment rate
Tingkat pengembalian aset 7.10% 7.20% Expected return on plan assets
Tingkat kematian TM IV - 2019 TM IV - 2019 Mortality rate
Tingkat cacat 5%-10% dari tingkat kematian/ Disability rate
5%-10% of mortality rate
Tingkat pengunduran diri 1%-5% per tahun pada usia 20 tahun Resignation rate
dan menurun secara linier sampai dengan
0.5%-1% pada usia 45 dan seterusnya/
1%-5% per annum at age 20 years old and
reducing linearly to 0.5%-1% at age 45
and thereafter
Tingkat pensiun normal 100% pada usia pensiun normal/ Normal retirement rate
100% at normal retirement age
Umur pensiun dini paling sedikit 45 tahun atau Early retirement age
15 tahun masa kerja/at least
45 years old or rendering 15 years of service
Umur pensiun normal 55 - 60 tahun/55 - 60 years old Normal retirement age
Tabel berikut ini merupakan komponen The following tables summarize the
beban imbalan kerja neto yang diakui dalam components of net employee benefits
laporan laba rugi dan penghasilan expense recognized in the consolidated
komprehensif lain konsolidasian dan liabilitas statement of profit or loss and other
imbalan kerja yang diakui dalam laporan comprehensive income and the employee
posisi keuangan konsolidasian. benefits liability recognized in the consolidated
statement of financial position.
a. Program pensiun pada PT Asuransi a. Pension Program on PT Asuransi
Jiwasraya Jiwasraya
Perseroan menyelenggarakan program The Company established a defined
pensiun manfaat pasti untuk semua benefit pension plan covering all
karyawan tetap yang berumur tidak permanent employees who are not more
lebih dari 60 tahun untuk karyawan than 60 years old for employees hired
yang dipekerjakan sebelum 1 Januari before January 1, 2003 and not more
2003 dan tidak lebih dari 55 tahun untuk than 55 years old for employees hired
karyawan yang dipekerjakan setelah after January 1, 2003. The pension plan
1 Januari 2003. Program pensiun ini is managed by PT Asuransi Jiwa IFG.
dikelola oleh PT Asuransi Jiwa IFG.
Pendanaan program ini terutama The pension plan is mainly funded by
berasal dari kontribusi pemberi kerja contributions from employers and
dan karyawan. employees.
Dalam program ini, tingkat kontribusi On this plan, the Group contribution rate
Grup (pemberi kerja) ditelaah setiap (the employer) is reviewed annually by
tahun oleh PT Asuransi Jiwa IFG pada PT Asuransi Jiwa IFG at the beginning of
awal tahun, sedangkan kontribusi financial year, whilst the employee
karyawan adalah 5% dari gaji pokok contribution is 5% of monthly basic
bulanan. salary.
98
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Undang-Undang Cipta Kerja No. 6/2023 b. Job Creation Law No. 6/2023
Grup juga membukukan imbalan pasca The Group also established defined
kerja imbalan pasti untuk karyawan post-employment benefit based on the
sesuai dengan undang-undang yang prevailing Labor Law.
berlaku.
c. Imbalan jangka panjang lainnya c. Other long-term benefits (Other)
(lainnya)
Perseroan memberikan imbalan jangka The Company also established other
panjang lainnya dalam bentuk long-term benefits including jubilee
penghargaan jubilee dan cuti award and long service leave.
berimbalan jangka panjang.
Jumlah karyawan Grup yang berhak atas The number of the Group’s employees entitled
imbalan kerja pada tanggal to the employment benefits as of
31 Desember 2024 dan 2023 masing- December 31, 2024 and 2023 is 568 and 592
masing adalah 568 dan 592 karyawan (tidak employees, respectively (unaudited).
diaudit).
i. Beban manfaat karyawan neto i. Net employee benefits expense
31 Desember/December 31, 2024
IJK/
UUK-PKB/ Other long term Jumlah/
Jiwasraya Labor Law-CLA benefit Total
Biaya jasa kini 1,114,052 20,818,483 5,554,856 27,487,391 Current service cost
Biaya jasa lalu -- 313,126 -- 313,126 Past service cost
Biaya bunga 1,001,321 15,514,138 2,711,822 19,227,281 Interest cost
Imbal hasil aset program Return on plan assets excluding
(tanpa bunga) -- -- (8,984,894) (8,984,894) (interest income)
Beban manfaat karyawan 2,115,373 36,645,747 (718,216) 38,042,904 Employee benefits expense
31 Desember/December 31, 2023
IJK/
UUK-PKB/ Other long term Jumlah/
Jiwasraya Labor Law-CLA benefit Total
Biaya jasa kini 1,126,616 19,859,359 5,361,091 26,347,066 Current service cost
Biaya jasa lalu -- (34,788) -- (34,788) Past service cost
Biaya bunga 2,244,426 16,416,368 2,649,048 21,309,842 Interest cost
Imbal hasil aset program Return on plan assets excluding
(tanpa bunga) (1,676,047) 171,289 -- (1,504,758) (interest income)
(Keuntungan)/Kerugian (Gain)/loss
dari penyelesaian (1,169,347) 56,403 (70,695) (1,183,639) from settlement
Pengukuran kembali -- (128,115) 957,843 829,728 Remeasurement
Kelebihan Pembayaran -- 240,278 -- 240,278 Excess Benefit Paid by Company
Beban manfaat karyawan 525,648 36,580,794 8,897,287 46,003,729 Employee benefits expense
ii. Estimasi liabilitas imbalan kerja ii. Estimated employee benefits liability
31 Desember/December 31, 2024
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Nilai kini kewajiban Present value of
imbalan pasti 10,014,536 193,939,250 36,831,303 240,785,089 defined obligations
Nilai wajar aset program (6,371,565) (3,415,146) -- (9,786,711) Fair value of plan assets
Liabilitas neto 3,642,971 190,524,104 36,831,303 230,998,378 Net liability
31 Desember/December 31, 2023
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Nilai kini kewajiban Present value of
imbalan pasti 15,297,271 246,089,435 43,211,543 304,598,249 defined obligations
Nilai wajar aset program (5,868,147) (3,203,927) -- (9,072,074) Fair value of plan assets
Liabilitas neto 9,429,124 242,885,508 43,211,543 295,526,175 Net liability
99
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Mutasi nilai wajar aset program adalah The movements in the fair value of plan
sebagai berikut: assets are as follows:
31 Desember/December 31, 2024
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 5,868,147 3,203,927 -- 9,072,074 Balance at the beginning of year
Iuran Perusahaan Company contributions
yang dibayarkan periode berjalan (781,935) 139,699 -- (642,236) during period
Pembayaran Imbalan dari Aset Program 366,971 15,730 -- 382,701 Benefits payment from plan assets
Imbal hasil aset program 918,382 55,790 -- 974,172 Return on plan assetes
Saldo akhir tahun 6,371,565 3,415,146 -- 9,786,711 Balance at end of year
31 Desember/December 31, 2023
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 7,037,494 2,886,527 -- 9,924,021 Balance at the beginning of year
Iuran Perusahaan Company contributions
yang dibayarkan periode berjalan -- 2,940,000 -- 2,940,000 during period
Pembayaran Imbalan dari Aset Program -- (2,884,165) -- (2,884,165) Benefits payment from plan assets
Imbal hasil aset program (1,169,347) 261,565 -- (907,782) Return on plan assetes
Saldo akhir tahun 5,868,147 3,203,927 -- 9,072,074 Balance at end of year
Pada tanggal 31 Desember 2024 dan As of December 31, 2024 and 2023,
2023, aset program terdiri dari: plan assets comprise the following:
31 Desember/December 31, 2024
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Kas dan setara kas 6,371,565 3,415,146 -- 9,786,711 Cash and cash equivalent
Instrumen ekuitas -- -- -- -- Equity instruments
Sertifikasi investasi dana -- -- -- -- Investement in fund certificates
Jumlah aset program 6,371,565 3,415,146 -- 9,786,711 Total plan assets
31 Desember/December 31, 2023
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Kas dan setara kas 5,868,147 387,750 -- 6,255,897 Cash and cash equivalent
Instrumen ekuitas -- 36,454 -- 36,454 Equity instruments
Sertifikasi investasi dana -- 2,779,723 -- 2,779,723 Investement in fund certificates
Jumlah aset program 5,868,147 3,203,927 -- 9,072,074 Total plan assets
iii. Mutasi liabilitas imbalan kerja di iii. Movements in the employee benefits
laporan posisi keuangan liability recognized in the
konsolidasian: consolidated statements of financial
position are as
31 Desember/December 31, 2024
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 15,297,271 246,089,435 43,211,543 304,598,249 Balance at the beginning of year
Beban selama tahun berjalan 2,115,373 36,645,747 (718,216) 38,042,904 Expense during the year
Kelebihan Pembayaran (781,935) -- (692,219) (1,474,154) Excess Benefit Paid by Company
Pengukuran kembali tahun berjalan (6,616,173) (63,380,225) 434,283 (69,562,115) Remeasurement during the year
Pembayaran selama tahun berjalan -- (25,415,707) (5,404,088) (30,819,795) Benefit payment during the year
Saldo akhir tahun 10,014,536 193,939,250 36,831,303 240,785,089 Balance at end of year
31 Desember/December 31, 2023
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 15,249,731 238,381,103 39,490,388 293,121,222 Balance at the beginning of year
Beban selama tahun berjalan 525,648 36,580,794 8,897,287 46,003,729 Expense during the year
Kelebihan Pembayaran -- (240,278) (284,652) (524,930) Excess Benefit Paid by Company
Pengukuran kembali tahun berjalan (478,108) (7,456,638) -- (7,934,746) Remeasurement during the year
Pembayaran selama tahun berjalan -- (21,175,546) (4,891,480) (26,067,026) Benefit payment during the year
Saldo akhir tahun 15,297,271 246,089,435 43,211,543 304,598,249 Balance at end of year
100
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengalaman penyesuaian untuk entitas The adjustment experience for the parent
induk adalah sebagai berikut: entity are as follows:
2024 2023
Rp Rp
Nilai kini kewajiban Present value of defined
imbalan pasti 304,598,249 263,207,061 benefit obligation
Nilai wajar aset program 6,371,565 (5,868,147) Fair value of plan assets
Defisit program 310,969,814 257,338,914 Deficit in the plan
Penyesuaian pengalaman pada Experience adjustments on
aset program 8,930,987 18,044,401 plan assets
Aset program pada tanggal Plan assets as of December 31, 2024 and
31 Desember 2024 dan 2023 terdiri atas 2023 consist of mutual funds, time deposits
reksadana, deposito berjangka dan obligasi. and bonds.
Analisis sensitivitas Sensitivity analysis
Tabel berikut menunjukkan sensitivitas atas The following table demonstrates the
kemungkinan perubahan tingkat suku bunga sensitivity to a reasonably possible change in
pasar, dengan variabel lain dianggap tetap, market interest rates, with all other variables
terhadap nilai kini kewajiban imbalan pasti held constant, of the Company’s present value
dan beban jasa kini Perseroan pada tanggal of defined benefit obligation and current
31 Desember 2024 dan 2023: service cost as of December 31, 2024 and
2023:
Tingkat Tingkat
bunga diskonto/ kenaikan upah/
discount rate salary increase
31 Desember 2024 December 31, 2024
Kenaikan suku bunga Increase in interest rate
100 basis poin (198,186,508) 227,873,052 100 basis point
Penurunan suku bunga Decrease in interest rate
100 basis poin 226,050,122 (201,296,984) 100 basis point
31 Desember 2023 December 31, 2023
Kenaikan suku bunga Increase in interest rate
100 basis poin (21,385,788) 14,721,585 100 basis point
Penurunan suku bunga Decrease in interest rate
100 basis poin 15,244,002 (21,274,359) 100 basis point
Perkiraan pembayaran liabilitas imbalan The expected undiscounted benefit payment
jangka panjang Perseroan yang tidak of long-term employee benefits liability of the
didiskontokan pada tanggal Company as of December 31, 2024 and 2023
31 Desember 2024 dan 2023 adalah are as follows (unaudited):
sebagai berikut (tidak diaudit):
2024 2023
Rp Rp
Dalam waktu 12 bulan berikutnya Within the next 12 months
(periode laporan tahun berikutnya) 21,247,959 23,642,938 (the next annual reporting period)
Antara 1 dan 2 tahun 37,547,322 52,012,073 Between 1 and 2 years
Antara 3 dan 5 tahun 90,131,835 85,560,214 Between 3 and 5 years
Lebih dari 5 tahun 751,369,319 1,166,684,452 More than 5 years
101
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
23. Pinjaman Diterima 23. Borrowings
Pinjaman ini merupakan pinjaman entitas This loan represents borrowings obtained by
anak (PMS) yang terdiri dari: subsidiaries (PMS) as follows
2024 2023
Rp Rp
Pihak berelasi (catatan 39) 475,956,710 287,256,970 Related parties (note 39)
Pihak ketiga Third parties
PT Bank Central Asia Tbk 23,286,565 -- PT Bank Central Asia Tbk
PT Bank Woori Saudara PT Bank Woori Saudara
Indonesia Tbk 22,278,752 -- Indonesia, Tbk
PT Bank IBK Indonesia Tbk 5,553,202 8,892,583 PT Bank IBK Indonesia Tbk
Sub-Jumlah 51,118,519 8,892,583 Sub-total
Jumlah 527,075,229 296,149,553 Total
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
manajemen berpendapat bahwa PMS management is of the opinion that, PMS is in
mematuhi semua pembatasan dan PMS compliance with all of the covenants and PMS
telah memenuhi semua rasio keuangan yang has complied with all financial ratios required
dipersyaratkan dalam perjanjian pinjaman. to be maintained under the loan agreements.
PT Bank Mandiri (Persero) Tbk PT Bank Mandiri (Persero) Tbk
Pada tanggal 31 Desember 2021, Entitas On December 31, 2021, the Subsidiary (PMS)
anak (PMS) memperoleh kredit modal kerja obtained a working capital loan credit
dengan agunan deposito berjangka. Jumlah collateralized with time deposit. Maximum
maksimum pembiayaan sebesar amount of credit is Rp40,000,000 for 36
Rp40.000.000 dalam jangka waktu 36 bulan months period since the signing of credit
sejak penandatangan perjanjian kredit. agreement. Annual interest rates are 0.50%
Tingkat bunga tahunan sebesar 0,50% per per annum above the deposit rate which is
tahun diatas suku bunga deposito yang used as collateral (Note 39).
menjadi agunan (Catatan 39).
Jaminan untuk pinjaman dari Bank Mandiri The collateral for borrowings from Bank
adalah Deposito berjangka sebesar Mandiri are time deposit amounted to
Rp40.000.000 atas nama PT Tugu Pratama Rp40,000,000 on behalf of PT Tugu Pratama
Interindo, pemegang saham PMS. Interindo, PMS shareholders.
Pada tanggal 2 Juli 2022, PMS memperoleh On July 2, 2022, PMS obtained an investment
kredit investasi dengan jumlah nominal credit with a nominal amount of
Rp200.000.000 dalam jangka waktu 48 Rp200,000,000 within 48 months of signing
bulan sejak penandatanganan perjanjian the credit agreement. For this credit facility,
kredit. Atas fasilitas kredit tersebut, PMS PMS is required to pay interest to the bank at
wajib membayar bunga kepada bank the Jakarta Interbank Offered Rate (JIBOR) 1
sebesar Jakarta Interbank Offered Rate month plus 3.5% per annum.
(JIBOR) 1 bulan ditambah 3,5% per annum.
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah melakukan has paid the principal of the loan facility
pembayaran atas pokok fasilitas pinjaman amounting to Rp47,432,113 and paid interest
sebesar Rp47.432.113 dan bunga pinjaman on the loan amounting to Rp4,662,407.
sebesar Rp4.662.407.
102
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Rakyat Indonesia (Persero) Tbk
Pada tanggal 18 Maret 2020, PMS On March 18, 2020, PMS obtained two credit
memperoleh dua fasilitas kredit pembiayaan financing facility for motor vehicles with
kendaraan bermotor dengan jumlah maximum amount of Rp1,933,495 for 36
maksimum pembiayaan sebesar months period and Rp1,517,505 for 48
Rp1.933.495 dalam jangka waktu 36 bulan months period since the withdrawal of loan
dan Rp1.517.505 dalam jangka waktu 48 facilites. Annual interest rates are 4.25% and
bulan sejak pencairan fasilitas kredit. Tingkat 4.70% respectively per annum.
bunga tahunan sebesar 4,25% dan 4,70%
per tahun.
Jaminan untuk pinjaman dari BRI adalah The collateral for borrowings from BRI are the
Bukti Kepemilikan Kendaraan Bermotor respective Car Ownership Certificates (BPKB)
(BPKB) (Catatan 10). (Note 10).
Berdasarkan persyaratan-persyaratan dalam Under the terms of loan agreements, PMS is
perjanjian pinjaman, PMS diharuskan untuk required to obtain prior written approval from
memperoleh persetujuan tertulis sebelumnya the creditor bank with respect to transactions
dari bank kreditur sehubungan dengan involving liquidation and declaring bankruptcy,
transaksi-transaksi yang mencakup using PMS funds for purposes other than
pembubaran Entitas anak dan meminta business financed by credit facilities and
dinyatakan pailit, menggunakan dana PMS handing over or transferring all or part of the
untuk tujuan di luar usaha yang dibiayai rights and/or obligation of PMS arising under a
dengan fasilitas kredit serta menyerahkan credit agreement to another party.
atau mengalihkan seluruh atau sebagian dari
hak dan /atau kewajiban PMS yang timbul
berdasarkan perjanjian kredit kepada pihak
lain.
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, no
tidak ada pelanggaran atas pembatasan di violation on covenants was made by PMS.
atas oleh PMS.
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah melakukan has paid the principal of the loan facility
pembayaran atas pokok fasilitas pinjaman amounting to Rp62,977 and paid interest on
sebesar Rp62.977 dan bunga pinjaman the loan amounting to Rp12,140
sebesar Rp12.140.
PT Bank Jawa Barat dan Banten PT Bank Jawa Barat dan Banten
Pada tanggal 13 Juli 2022, PMS On July 13, 2022, PMS obtained a capital
memperoleh kredit modal dengan jumlah credit with a maximum financing amount of
maksimum pembiayaan sebesar Rp200,000,000 within 45 months of signing
Rp200.000.000 dalam jangka waktu 45 the credit agreement. The provision fee for
bulan sejak penandatanganan perjanjian credit facilities is 0.5% of the withdrawn facility
kredit. Biaya provisi untuk fasilitas kredit and is paid in stages for each credit
sebesar 0,5% dari fasilitas yang ditarik dan withdrawal.
dibayarkan bertahap setiap penarikan kredit.
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah menerima has received a loan disbursement amounting
pencairan pinjaman sebesar Rp171.572.898, to Rp171,572,898, paid the principal of the
telah melakukan pembayaran atas pokok loan facility amounting to Rp57,708,037 and
fasilitas pinjaman sebesar Rp57.708.037 paid interest on the loan amounting to
dan bunga pinjaman sebesar Rp7.711.535. Rp7,711,535.
103
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT Bank Central Asia, Tbk PT Bank Central Asia, Tbk
Pada tanggal 03 Oktober 2023, PMS On October 3, 2023, the PMS received a
mendapat fasilitas kredit investasi maksimal maximum investment credit facility of
Rp50.000.000 untuk pembelian kendaraan Rp50,000,000 for vehicle purchases for a
untuk jangka waktu 3 tahun. Jaminan period of 3 years. The collateral for the credit
fasilitas kredit adalah kendaraan yang facility is the vehicle being financed.
dibiayai.
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah menerima has received a loan disbursement amounting
pencairan pinjaman sebesar Rp29,936,440, to Rp29,936,440, paid the principal of the loan
telah melakukan pembayaran atas pokok facility amounting to Rp6,649,875 and paid
fasilitas pinjaman sebesar Rp6,649,875 dan interest on the loan amounting to
bunga pinjaman sebesar Rp1.517.758. Rp1,517,758.
PT Bank IBK Indonesia PT Bank IBK Indonesia
Pada tanggal 13 April 2023, PMS On April 13, 2023, PMS obtained a capital
memperoleh kredit modal dengan jumlah credit with a maximum financing amount of
maksimum Rp20.000.000 dalam jangka Rp20,000,000 within 48 months of signing the
waktu 48 bulan sejak penandatanganan credit agreement. The provision fee for credit
perjanjian kredit. Biaya provisi 0,35% dari facilities is 0.35% of the withdrawn facility and
fasilitas yang ditarik dan dibayarkan is paid in stages for each credit withdrawal.
bertahap setiap penarikan kredit.
Jaminan untuk pinjaman dari Bank IBK The collateral for borrowings from Bank IBK
adalah Bukti Kepemilikan Kendaraan are the respective Car Ownership Certificates
Bermotor (BPKB) (Catatan 10). (BPKB) (Note 10).
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah melakukan has paid the principal of the loan facility
pembayaran atas pokok fasilitas pinjaman amounting to Rp3,339,381 and paid interest
sebesar Rp3.339.381 dan bunga pinjaman on the loan amounting to Rp609,479.
sebesar Rp609.479.
PT Bank Syariah Indonesia PT Bank Syariah Indonesia
Pada tanggal 9 Mei 2023, PMS memperoleh On May 9, 2023, PMS obtained a capital
kredit modal dengan jumlah maksimum credit with a maximum financing amount of
Rp150.000.000 dalam jangka waktu 48 Rp150,000,000 within 48 months of signing
bulan sejak penandatanganan perjanjian the credit agreement. The provision fee for
kredit. Biaya provisi 0,50% dari fasilitas yang credit facilities is 0.50% of the withdrawn
ditarik dan dibayarkan bertahap setiap facility and is paid in stages for each credit
penarikan kredit. withdrawal.
Jaminan untuk pinjaman dari Bank BSI The collateral for borrowings from Bank BSI
adalah Bukti Kepemilikan Kendaraan are the respective Car Ownership Certificates
Bermotor (BPKB) (Catatan 10). (BPKB) (Note 10).
Pada tanggal 9 Mei 2023, PMS memperoleh On May 9, 2023, PMS obtained a capital
kredit modal dengan jumlah maksimum credit with a maximum financing amount of
Rp50.000.000 dalam jangka waktu 48 bulan Rp50,000,000 within 48 months of signing the
sejak penandatanganan perjanjian kredit. credit agreement. The provision fee for credit
Biaya provisi 0,50% dari fasilitas yang ditarik facilities is 0.50% of the withdrawn facility and
dan dibayarkan bertahap setiap penarikan is paid in stages for each credit withdrawal
kredit.
104
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah menerima has received a loan disbursement amounting
pencairan pinjaman sebesar Rp154.681.029, to Rp154,681,029, paid the principal of the
telah melakukan pembayaran atas pokok loan facility amounting to Rp32,351,060 and
fasilitas pinjaman sebesar Rp32.351.060 paid interest on the loan amounting to
dan bunga pinjaman sebesar Rp7.060.933. Rp7,060,933.
PT Bank Woori Saudara Indonesia PT Bank Woori Saudara Indonesia
Pada tanggal 23 Agustus 2024, PMS On August 23, 2024, the PMS obtained an
memperoleh fasilitas kredit investasi investment credit facility for motor vehicle
pembiayaan kendaraan bermotor dengan financing with a maximum financing amount of
jumlah maksimum pembiayaan sebesar IDR 70,000,000 for a period of 36 months
Rp70.000.000 dalam jangka waktu 36 bulan from the disbursement of the credit facility.
sejak pencairan fasilitas kredit. Tingkat The annual interest rate is 3.67% per annum.
bunga tahunan sebesar 3,67% per tahun.
Pada tahun yang berakhir pada tanggal For the year ended December 31, 2024, PMS
31 Desember 2024, PMS telah menerima has received a loan disbursement amounting
pencairan pinjaman sebesar Rp23.390.560, to Rp23,390,560, paid the principal of the loan
telah melakukan pembayaran atas pokok facility amounting to Rp1,111,808 and paid
fasilitas pinjaman sebesar Rp1.111.808 dan interest on the loan amounting to Rp261,060.
bunga pinjaman sebesar Rp261.060.
24. Utang Pembiayaan Konsumen Dan Sewa 24. Consumer Finance And Leases Payable
Pembiayaan
Utang ini merupakan utang pembiayaan This payable represents consumer finance
konsumen dan sewa pembiayaan entitas and leases payable of subsidiary (PMS).
anak (PMS).
a. Berdasarkan kreditur a. Based on creditors
2024 2023
Rp Rp
Pihak berelasi (catatan 39) -- 503,985 Rel at ed part i es (not e 39)
Pihak ketiga T hi rd part i es
PT Clipan Finance PT Clipan Finance
Indonesia Tbk -- 4,909,094 Indonesia Tbk
PT Takari Kokoh Sejahtera -- 3,355,739 PT Takari Kokoh Sejahtera
Pembiayaan Konsumen Consumer Financing
PT Toyota Astra Financial Services 106,015,946 14,489,953 PT Toyota Astra Financial Services
PT Lotte Capital Indonesia 11,720,847 19,934,209 PT Lotte Capital Indonesia
PT Dipo Star Finance 78,991 2,152,134 PT Dipo Star Finance
PT Maybank Indonesia Finance -- 162,025 PT Maybank Indonesia Finance
Astra Credit Companies -- 6,754 Astra Credit Companies
Sub-jumlah 117,815,784 45,009,908 Sub-total
Jumlah 117,815,784 45,513,893 Total
105
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Berdasarkan nilai tunai pembayaran b. Based on cash value of payment
2024 2023
Rp Rp
Pembayaran yang jatuh tempo Payment
pada tahun: due in year:
- 2024 -- 30,704,302 2024 -
- 2025 54,320,931 13,404,411 2025 -
- 2026 45,337,950 4,428,888 2026 -
- 2027 26,986,070 -- 2027 -
126,644,951 48,537,601
Beban bunga dan asuransi Interest expense and cost
yang belum jatuh tempo (8,829,167) (3,023,708) insurance which are not yet due
Jumlah 117,815,784 45,513,893 Total
c. Berdasarkan jatuh tempo c. Based on maturity
2024 2023
Rp Rp
Berdasarkan jatuh tempo Based on maturity
Kurang dari 1 tahun 48,820,107 28,508,539 Less than a year
Lebih dari 1 tahun 68,995,677 17,005,354 More than a year
Jumlah 117,815,784 45,513,893 Total
Jangka waktu pembiayaan konsumen dan The consumer finance and lease term is 3 to 4
sewa pembiayaan adalah 3 sampai 4 tahun years with effective interest rate for consumer
dengan tingkat bunga efektif untuk finance ranging from 7.93%-10.54% per
pembiayaan konsumen berkisar antara annum and for finance lease from 8.19%-
7,93%-10,54% per tahun, dan untuk sewa 12.50% per annum. All lease payables are
pembiayaan antara 8,19%-12,50% per denominated in Rupiah currency which are
tahun. Semua utang sewa didenominasi paid monthly in fixed amount. These payables
dalam mata uang Rupiah yang dibayar are secured with the related asset.
setiap bulan dalam suatu jumlah tetap.
Utang ini dijamin dengan aset yang
bersangkutan.
Beban bunga pembiayaan dan sewa Finance and lease interest expenses
sebesar Rp3.631.480. untuk tahun yang amounted to Rp3,631,480 for the year ended
berakhir pada tanggal 31 Desember 2024 December 31, 2024 (2023: Rp5,278,681).
(2023: Rp5.278.681).
106
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
25. Modal Saham 25. Share Capital
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the
rincian pemegang saham Perseroan adalah Company’s shareholders are as follows:
sebagai berikut:
31 Desember/December 31, 2024
Jumlah Persentase
saham/ pemilikan/
Number Percentage Jumlah/
Pemegang saham of shares of ownership Total Name of shareholders
PT Pertamina (Persero) 2,080,000,000 58.50% 104,000,000 PT Pertamina (Persero)
UOB Kay Hian Pte Ltd 564,700,000 15.88% 28,235,000 UOB Kay Hian Pte Ltd
Samsung Fire & Marine Co, Ltd 188,234,000 5.29% 9,411,700 Samsung Fire & Marine Co, Ltd
Komisaris dan Direksi Commissioners and Directors
Bapak Tatang Nurhidayat 1,179,000 0.03% 58,950 Mr Tatang Nurhidayat
Bapak Emil Hakim 755,600 0.02% 37,780 Mr Emil Hakim
Bapak Sudarlin 615,900 0.02% 30,795 Mr Sudarlin
Bapak Ery Widiatmoko 603,600 0.02% 30,180 Mr Ery Widiatmoko
Bapak Edi Yoga Prasetyo 580,600 0.02% 29,030 Mr Edi Yoga Prasetyo
Masyarakat Umum 718,906,900 20.22% 35,945,345 Publicly held
Jumlah 3,555,575,600 100.00% 177,778,780 Total
31 Desember/December 31, 2023
Jumlah Persentase
saham/ pemilikan/
Number Percentage Jumlah/
Pemegang saham of shares of ownership Total Name of shareholders
PT Pertamina (Persero) 2,080,000,000 58.50% 104,000,000 PT Pertamina (Persero)
UOB Kay Hian Pte Ltd 565,040,000 15.89% 28,252,000 UOB Kay Hian Pte Ltd
Samsung Fire & Marine Co, Ltd 188,234,000 5.29% 9,411,700 Samsung Fire & Marine Co, Ltd
Komisaris dan Direksi Commissioners and Directors
Bapak Emil Hakim 102,000 0.00% 5,100 Mr Emil Hakim
Bapak Tatang Nurhidayat 58,000 0.00% 2,900 Mr Tatang Nurhidayat
Bapak Sudarlin 15,000 0.00% 750 Mr Sudarlin
Masyarakat Umum 722,126,600 20.31% 36,106,330 Publicly held
Jumlah 3,555,575,600 100.00% 177,778,780 Total
Perusahaan telah mencatatkan seluruh The Company has listed all its shares on the
sahamnya pada Bursa Efek Indonesia Indonesia Stock Exchange totalling to
sebanyak 3.555.575.600 saham (nilai 3,555,575,600 (full amount) shares as of
penuh) pada 31 Desember 2024 dan December 31, 2024, and 3,555,575,600 (full
3.555.575.600 saham (nilai penuh) pada amount) shares as of December 31, 2023.
31 Desember 2023.
Berdasarkan Akta Notaris No.123 tanggal Based on Notarial Deed No.123 dated
28 April 2023 dari notaris Jose Dima April 28, 2023 from notary Jose Dima Satria,
Satria,S.H., M.Kn. para pemegang saham S.H., M.Kn. the shareholders have approved
telah menyetujui pemecahan nominal saham the nominal split of the Company's shares
Perseroan (“Stock Split”) dengan rasio ("Stock Split") with a ratio of 1 (one) to 2 (two),
1 (satu) banding 2 (dua), sehingga nilai so that the nominal value of the Company's
nominal saham Perseroan yang semula shares which was originally Rp100 per share
adalah Rp100 per saham akan menjadi will become Rp50 per share. This deed has
Rp50 per saham. Akta ini telah mendapat been approved by the Minister of Law and
persetujuan dari Menteri Hukum dan Hak Human Rights of the Republic of Indonesia
Asasi Manusia Republik Indonesia melalui through letter No. AHU-0059835.AH.01.03
surat No. AHU-0059835.AH.01.03 Tahun Year 2023 dated April 20, 2023. The
2023 tanggal 20 April 2023. Perseroan telah Company has implemented the stock split as
melaksanakan pemecahan saham stated in the Summary of Minutes of the
sebagaimana tercantum dalam Ringkasan Company's Annual GMS on May 3, 2023
Risalah RUPS Tahunan Perseroan pada which has been published through the
tanggal 3 Mei 2023 yang telah dipublikasikan Company's website of the Indonesia Stock
melalui website Perseroan Bursa Efek Exchange, the Company's website and the
Indonesia, situs web Perseroan dan situs website of PT Kustodian Setral Efek
web PT Kustodian Setral Efek Indonesia. Indonesia.
107
Page 618
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen modal Capital management
Tujuan utama dari pengelolaan modal The primary objective of the Company’s
Perseroan adalah untuk mempertahankan capital management is to ensure that it
rasio modal yang sehat untuk mendukung maintains healthy capital ratios in order to
bisnis dan memaksimalkan nilai pemegang support its business and maximize
saham. shareholder value.
Perseroan mengelola struktur modal dan The Company manages its capital structure
membuat perubahan, apabila diperlukan, and makes changes to it, where appropriate,
sehubungan dengan perubahan kondisi in relation to changes in economic conditions,
ekonomi, struktur bisnis dan perkembangan business structure and developments in the
dalam industri. industry.
Pengelolaan rasio modal juga diperlukan The capital ratios management also required
sebagai unsur kepatuhan terhadap as compliance factor to the Ministry of
Peraturan Menteri Keuangan mengenai rasio Finance Regulation relating to solvency ratio
pencapaian solvabilitas yang dihitung which is calculated with risk-based capital
dengan pendekatan modal berbasis risiko method (Note 42).
(Catatan 42).
Perseroan telah memenuhi ketentuan The Company has complied with solvability
solvabilitas pada tanggal 31 Desember 2024 requirement as of December 31, 2024 and
dan 2023 (tidak diaudit) (Catatan 42). 2023 (unaudited) (Note 42).
26. Dividen 26. Dividends
Berdasarkan Keputusan Rapat Umum Based on the Shareholders’ Annual General
Pemegang Saham Tahunan Perseroan Meeting held on April 28, 2023, which was
tanggal 28 April 2023, yang telah diaktakan notarized by Notarial Deed No. 122 dated
dengan Akta Notaris No. 122 tanggal April 28, 2023, of Notary Jose Dima Satria,
28 April 2023 dari Notaris Jose Dima Satria, S.H., M.Kn., the shareholders approved the
S.H., M.Kn., para pemegang saham distribution of cash dividends of
menyetujui pembagian dividen kas sebesar Rp138,860,307 from 2022 operating results or
Rp138.860.307 dari hasil operasi 2022 atau Rp78 per share (full amount).
Rp78 per saham (nilai penuh).
Pada tanggal 24 November 2023, Perseroan On November 24, 2023, the company
mengumumkan pembagian deviden kas declared the distribution of an interim cash
interim untuk tahun 2023 sebesar Rp26 dividend for 2023 amounting to Rp26 (full
(dalam satuan penuh) per saham atau amount) per share or in total amounting to
seluruhnya Rp90.710.513 dan telah Rp90,710,513 and was paid on
dibayarkan pada tangggal December 14, 2023 and December 19, 2023.
14 Desember 2023 dan 19 Desember 2023.
Berdasarkan Keputusan Rapat Umum Based on the Shareholders’ Annual General
Pemegang Saham Tahunan Perseroan Meeting held on April 29, 2024, which was
tanggal 29 April 2024, yang telah diaktakan notarized by Notarial Deed No. 189 dated
dengan Akta Notaris No. 189 tanggal April 29, 2024, of Notary Mala Mukti,
29 April 2024 dari Notaris Mala Mukti, S.H.,LL.M., the shareholders approved the
S.H.,LL.M., para pemegang saham distribution of cash dividends of
menyetujui pembagian dividen kas sebesar Rp528,957,524 from 2023 operating results.
Rp528.957.524 dari hasil operasi 2023. The remaining of cash dividend amounting to
Pelunasan sisa pembayaran dividen sebesar Rp438,247,011 has been paid on May 29,
Rp438.247.011 telah dilakukan pada tanggal 2024.
29 Mei 2024.
108
Page 619
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tahun 2024 dan 2023, Grup In 2024 and 2023, the Group will pay cash
membayarkan dividen kas kepada dividends to non-controlling interests
kepentingan non-pengendali masing-masing amounting to Rp10,911 and Rp14,791,561,
sebesar Rp10.911 dan Rp14.791.561. respectively.
27. Tambahan Modal Disetor 27. Additional Paid In Capital
Rincian akun Tambahan Modal Disetor The Additional Paid in Capital account details
adalah sebagai berikut: are as follows:
2024 2023
Rp Rp
Penawaran Umum Saham Perdana 666,666,750 666,666,750 Initial Public Offering
Selisih nilai transaksi Difference in values of restructuring
restrukturisasi (22,206,471) (22,206,471) transactions of entities under
entitas sepengendali common control
Biaya emisi efek (25,742,359) (25,742,359) Share issuance costs
Opsi saham (Catatan 28) 6,714,869 6,714,869 Share options (Note 28)
Management Employe Stock Option Plan 27,420 27,420 Management Employe Stock Option Plan
Tambahan setoran modal, neto 625,460,209 625,460,209 Additional paid in capital, net
28. Program Kompensasi Manajemen 28. Management Stock Option Plan (MESOP)
Berbasis Saham (MESOP)
Perseroan untuk pertama kalinya The Company initially introduced MESOP in
mengenalkan MESOP adalah di tahun 2018 2018 through the Notarial Deed Statement of
melalui Akta No. 17 Pernyataan Keputusan Shareholders Decision No. 17 held on
Para Pemegang Saham yang diadakan pada January 15, 2018 whereby the shareholders
tanggal 15 Januari 2018, di mana para agreed to issue the right option through the
pemegang saham menyetujui untuk Management and Employee Stock Option
menerbitkan hak opsi melalui Program Plan (MESOP) Program to purchase the
Management and Employee Stock Option Company’s new shares maximum of
Plan (MESOP) untuk membeli saham baru 88,888,800 (eighty eight million eight hundred
Perseroan sebanyak-banyaknya 88.888.800 eighty eight thousand eight hundred) shares.
(delapan puluh delapan juta delapan ratus
delapan puluh delapan ribu delapan ratus)
saham.
Tujuan program MESOP ini adalah untuk The purpose of the MESOP program is to
menetapkan kebijakan remunerasi yang implement both fixed and variable
bersifat tetap dan bersifat variabel yang remuneration policies that take into account
memperhatikan kinerja dan risiko dan performance and risks and to determine the
melakukan penetapan metode method of measurement in accordance with
pengukurannya sesuai skala dan the scale and complexities of the Company’s
kompleksitas kegiatan usaha Perseroan. business activities. In addition, MESOP
Selain itu, Program MESOP juga ditujukan program is also granted as a form of award for
sebagai bentuk penghargaan atas the achievement of future performance.
pencapaian kinerja di masa yang akan
datang.
Perseroan menerbitkan program MESOP The Company issued the MESOP program on
pada tanggal 15 November 2018 (tanggal November 15, 2018 (Grant date) of 9,314,300
pemberian) sejumlah 9.314.300 saham shares in 3 (three) phases as follows:
dalam 3 (tiga) tahap sebagai berikut:
109
Page 620
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
a. Tahap I (15 November 2018): 25,68% a. Grant I (November 15, 2018): 25.68% of
dari total saham atau sebanyak total shares or 2,392,200 shares,
2.392.200 saham,
b. Tahap II (28 Mei 2019): 38,61% dari total b. Grant II (May 28, 2019): 38.61% of total
saham atau sebanyak 3.596.600 saham, shares or 3,596,600 shares,
c. Tahap III (28 Mei 2020): 35,70% dari c. Grant III (May 28, 2020): 35.70% of total
total saham atau sebanyak 3.325.500 shares or 3,325,500 shares.
saham.
Masa berlaku opsi sejak tanggal Option life from grant date until May 28, 2023.
pendistribusian sampai dengan 28 Mei 2023. After that date, any unused option rights will
Setelah tanggal tersebut, seluruh hak opsi be void.
yang tidak digunakan akan menjadi gugur.
Pihak yang memenuhi syarat untuk Those entitled to this program are the Bank’s
menerima MESOP adalah direksi, dewan board of directors, board of commissioners
komisaris kecuali komisaris independen dan except independent commissioner and
karyawan tetap dengan mengacu kepada permanent employees with reference to
masa kerja, penilaian kinerja, kelompok working period, performance assessment, job
jabatan, dan jabatan. grade group, and job grade.
MESOP Tahap I MESOP Grant I
Perhitungan, metode dan asumsi mengenai The computation, method and assumption
MESOP diperoleh dari laporan appraisal regarding MESOP generated by KJPP
independen, KJPP Desmar, Ferdinand, Desmar, Ferdinand, Hentriawan dan Rekan,
Hentriawan dan Rekan tertanggal an independent actuary dated
24 September 2018. September 24, 2018.
Beban kompensasi yang diakui dalam Compensation costs recognized in the
laporan laba rugi dan penghasilan statement of profit or loss and other
komprehensif lainnya sehubungan dengan comprehensive income in relation to stock
opsi saham untuk tahun yang berakhir pada options for the year ended December 31,
tanggal 31 Desember 2018 adalah sebesar 2018, amounted to Rp1,473,595 and credited
Rp1.473.595 dan dikreditkan ke tambahan to additonal paid in capital in equity.
modal disetor di ekuitas.
Nilai wajar dari setiap hak opsi diestimasi The fair value of each option rights was
pada tanggal pemberian hak opsi dengan estimated on the vesting data using the
menggunakan model “Black-scholes”, “Black-scholes” option pricing model with the
dengan asumsi utama sebagai berikut: primary assumptions as follows:
Periode vesting (dalam bulan) 12 Vesting period (in month)
Harga saham pada tanggal pemberian opsi
3,320 Share’s price at grant date (in full Rupiah)
(dalam Rupiah penuh)
Harga pelaksanaan opsi (dalam Rupiah
3,465 Exercise price of option (in full Rupiah)
penuh)
Nilai wajar opsi (dalam Rupiah penuh) 616 Option fair value (in full rupiah)
Volatilitas harga saham 37% Volatility of stock price
Suku bunga bebas risiko 8.54% Risk-free interest rate
Tingkat dividen 1.51% Dividend yield
Pada tanggal 15 November 2021, hak opsi On November 15, 2021, the unused MESOP
saham MESOP Tahap I yang tidak Phase I stock options who stated was void.
digunakan dinyatakan gugur.
110
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
MESOP Tahap II MESOP Grant II
Perhitungan, metode dan asumsi mengenai The computation, method and assumption
MESOP diperoleh dari laporan appraisal regarding MESOP generated by KJPP
independen, KJPP Desmar, Ferdinand, Desmar, Ferdinand, Hentriawan dan Rekan,
Hentriawan dan Rekan tertanggal 6 Maret an independent actuary dated March 6, 2019.
2019.
Beban kompensasi yang diakui dalam Compensation costs recognized in the
laporan laba rugi dan penghasilan statement of profit or loss and other
komprehensif lainnya sehubungan dengan comprehensive income in relation to stock
opsi saham untuk tahun yang berakhir pada options for the year ended December 31,
tanggal 31 Desember 2019 adalah sebesar 2019 amounted to Rp3,601,802 and credited
Rp3.601.802 dan dikreditkan ke tambahan to additonal paid in capital in equity.
modal disetor di ekuitas.
Nilai wajar dari setiap hak opsi diestimasi The fair value of each option rights was
pada tanggal pemberian hak opsi dengan estimated on the vesting data using the
menggunakan model “Black-scholes”, “Black-scholes” option pricing model with the
dengan asumsi utama sebagai berikut: primary assumptions as follows:
Periode vesting (dalam bulan) 12 Vesting period (in month)
Harga saham pada tanggal pemberian opsi 2,980
Share’s price at grant date (in full Rupiah)
(dalam Rupiah penuh)
Harga pelaksanaan opsi (dalam Rupiah 3,465
Exercise price option (in full Rupiah)
penuh)
Nilai wajar opsi (dalam Rupiah penuh) 1,001 Option fair value (in full rupiah)
Volatilitas harga saham 35% Volatility of stock price
Suku bunga bebas risiko 8.90% Risk-free interest rate
Tingkat dividen 35% Dividend yield
Pada tanggal 28 Mei 2022, hak opsi saham On May 28, 2022, the unused MESOP Phase
MESOP Tahap II yang tidak digunakan II stock options who stated were void.
dinyatakan gugur.
MESOP Tahap III MESOP Grant III
Perhitungan, metode dan asumsi mengenai The computation, method and assumption
MESOP diperoleh dari laporan appraisal regarding MESOP generated by KJPP
independen, KJPP Desmar, Ferdinand, Desmar, Ferdinand, Hentriawan dan Rekan,
Hentriawan dan Rekan tertanggal an independent actuary dated
31 Maret 2021. March 31, 2021.
Beban kompensasi yang diakui dalam Compensation costs recognized in the
laporan laba rugi dan penghasilan statement of profit or loss and other
komprehensif lainnya sehubungan dengan comprehensive income in relation to stock
opsi saham untuk tahun yang berakhir pada options for the year ended December
tanggal 31 Desember 2020 adalah sebesar 31, 2020, amounted to Rp1,639,472 and
Rp1.639.472 dan dikreditkan ke tambahan credited to additonal paid in capital in equity.
modal disetor di ekuitas.
Nilai wajar dari setiap hak opsi diestimasi The fair value of each option rights was
pada tanggal pemberian hak opsi dengan estimated on the vesting data using the
menggunakan model “Black-scholes”, “Black-scholes” option pricing model with the
dengan asumsi utama sebagai berikut: primary assumptions as follows:
111
Page 622
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Periode vesting (dalam bulan) 12 Vesting period (in month)
Harga saham pada tanggal pemberian opsi
2,680 Share’s price at grant date (in full Rupiah)
(dalam Rupiah penuh)
Harga pelaksanaan opsi (dalam Rupiah
2,842 Exercise price option (in full Rupiah)
penuh)
Nilai wajar opsi (dalam Rupiah penuh) 493 Option fair value (in full rupiah)
Volatilitas harga saham 38% Volatility of stock price
Suku bunga bebas risiko 8.14% Risk-free interest rate
Tingkat dividen 1.63% Dividend yield
Pada tanggal 15 September 2022 terdapat On September 15, 2022 there were members
Direksi/Dewan Komisaris yang mengunakan of the Board of Directors/Board of
hak opsi MESOP sebanyak 10.000 lembar Commissioners who were using the MESOP
saham dengan harga pelaksanaan opsi option of 10,000 shares at an exercise price of
sebesar Rp2.842 (nilai penuh). Rp2,842 (full amount).
Sehingga menambah modal disetor sebesar Thus, increasing the paid-in capital of
Rp28.420.000 (nilai penuh) yang dibagi oleh Rp28,420,000 (full amount) which is divided
Perseroan ke tambahan modal sebesar by the Company into additional capital of
Rp1.000.000 (nilai penuh) dan tambahan Rp1,000,000 (full amount) and additional paid-
modal disetor sebesar Rp27.420.000 (nilai in capital of Rp27,420,000 (full amount) as
penuh) sebagai agio saham. share premium.
Sisa umur dari opsi saham yang tersisa The remaining contractual life for the share
sebanyak 3.315.500 lembar pada tanggal options outstanding as of December 31, 2022,
31 Desember 2022 adalah 5 bulan yang is 3,315,500 shares 5 months which will
akan habis pada tanggal 28 Mei 2023. expire on May 28, 2023.
Pada tanggal 28 Mei 2023, hak opsi saham On May 28, 2023, the unused MESOP Phase
MESOP Tahap III yang tidak digunakan III stock options who stated were void.
dinyatakan gugur.
29. Kepentingan Non-Pengendali 29. Non-Controlling Interests
Rincian bagian kepentingan non-pengendali Details of this account are as follows:
adalah sebagai berikut:
31 Desember/December 31, 2024
Penambahan Penghasilan
Saldo awal/ (Pengurang)/ komprehensif/ Saldo akhir/
Beginning Addition Comprehensive Ending
balance (Deduction) income balance
PT Tugu Reasuransi Indonesia 697,129,968 49,646,126 (10,163,005) 736,613,089 PT Tugu Reasuransi Indonesia
PT Pratama Mitra Sejati 253,216 2,181 (3,022) 252,375 PT Pratama Mitra Sejati
PT Tugu Pratama Interindo 172,617 1,865 (1,228) 173,254 PT Tugu Pratama Interindo
PT Synergy Risk PT Synergy Risk
Management Consultants 39,326 8,215 (7,387) 40,154 Management Consultants
Jumlah 697,595,127 49,658,387 (10,174,642) 737,078,872 Total
31 Desember/December 31, 2023
Penambahan Penghasilan
Saldo awal/ (Pengurang)/ komprehensif/ Saldo akhir/
Beginning Addition Comprehensive Ending
balance (Deduction) income balance
PT Pratama Mitra Sejati 241,231 11,892 93 253,216 PT Pratama Mitra Sejati
PT Tugu Pratama Interindo 169,300 3,471 (154) 172,617 PT Tugu Pratama Interindo
PT Synergy Risk PT Synergy Risk
Management Consultants 41,392 (1,888) (178) 39,326 Management Consultants
PT Tugu Reasuransi Indonesia 732,316,952 (35,097,578) (89,406) 697,129,968 PT Tugu Reasuransi Indonesia
Jumlah 732,768,875 (35,084,103) (89,645) 697,595,127 Total
112
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
30. Pendapatan Premi Asuransi Dan 30. Insurance And Reinsurance Premium
Reasuransi Income
31 Desember/December 31, 2024
Perubahan Aset
Reasuransi atas
Perubahan Premi yang
Premi yang Belum
Belum Merupakan
Merupakan Pendapatan
Pendapatan dan Liabilitas
dan Liabilitas Manfaat Polis
Manfaat Polis Masa Depan/
Masa Depan/ Changes in
Changes Reinsurance Assets
In Unearned of Unearned
Premi Premium Reserves Premium Reserves
Reasuransi/ and Liabilities and Liabilities Premi Neto/
Premi Bruto/ Reinsurance for Future for Future Net Premium
Gross Premiums Premiums Policy Benefits Policy Benefits Income
Kebakaran 3,816,554,795 (2,129,521,580) (138,437,312) 53,108,462 1,601,704,365 Fire
Pengangkutan 474,202,463 (145,696,440) (18,177,236) 3,915,126 314,243,913 Marine cargo
Rekayasa 482,033,990 (246,142,117) (61,863,460) 74,329,201 248,357,614 Engineering
Rangka kapal 691,834,093 (486,012,704) (24,007,433) 5,728,667 187,542,623 Marine hull
Onshore 338,765,372 (238,824,536) (32,807,985) 48,032,994 115,165,845 Onshore
Penerbangan 799,590,774 (746,382,303) (10,480,012) 7,501,243 50,229,702 Aviation
Offshore 520,703,534 (486,930,670) (1,213,862) 4,263,780 36,822,782 Offshore
Lainnya 1,413,192,497 (275,484,906) (27,412,503) 99,316,930 1,209,612,018 Miscellaneous
Jumlah 8,536,877,518 (4,754,995,256) (314,399,803) 296,196,403 3,763,678,862 Total
31 Desember/December 31, 2023
Perubahan Aset
Reasuransi atas
Perubahan Premi yang
Premi yang Belum
Belum Merupakan
Merupakan Pendapatan
Pendapatan dan Liabilitas
dan Liabilitas Manfaat Polis
Manfaat Polis Masa Depan/
Masa Depan/ Changes in
Changes Reinsurance Assets
In Unearned of Unearned
Premi Premium Reserves Premium Reserves
Reasuransi/ and Liabilities and Liabilities Premi Neto/
Premi Bruto/ Reinsurance for Future for Future Net Premium
Gross Premiums Premiums Policy Benefits Policy Benefits Income
Kebakaran 2,761,246,559 (1,491,545,069) (82,677,582) 55,015,444 1,242,039,352 Fire
Pengangkutan 478,172,067 (94,486,103) 16,222,673 43,306,625 443,215,262 Marine cargo
Rekayasa 931,430,484 (703,612,537) (117,441,942) 103,602,463 213,978,468 Engineering
Rangka kapal 682,819,238 (438,668,054) 58,195,768 (58,286,895) 244,060,057 Marine hull
Offshore 553,460,217 (458,348,679) 76,034,720 (107,337,335) 63,808,923 Offshore
Onshore 68,397,209 (180,784,620) (54,397,237) 22,189,426 (144,595,222) Onshore
Penerbangan 814,214,329 (742,388,070) (421,423,989) 430,798,749 81,201,019 Aviation
Lainnya 1,419,783,965 (258,195,262) (186,357,381) (39,007,508) 936,223,814 Miscellaneous
Jumlah 7,709,524,068 (4,368,028,394) (711,844,970) 450,280,969 3,079,931,673 Total
Pemegang polis dengan kontribusi terhadap Policyholders with contribution to premium
pendapatan premi sebesar 10% atau lebih income by 10% or more of gross premium as
dari premi bruto sebagai berikut: follows:
2024 2023
Rp Rp
Premi bruto 1,534,100,288 1,624,840,603 Gross premium
Persentase 17.97% 21.08% Percentage
113
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31. Beban Komisi, Neto 31. Commission Expense, Net
31 Desember/December 31, 2024
Komisi
reasuransi
diterima/ Komisi Pendapatan (beban)
Reinsurance dibayar/ komisi neto/
commissions Commissions Net commission
received paid income (expense)
Kebakaran 487,500,209 (240,600,273) 246,899,936 Fire
Rekayasa 74,568,091 (27,530,181) 47,037,910 Engineering
Pengangkutan 41,929,269 (19,858,996) 22,070,273 Marine cargo
Onshore 3,782,354 18,144,466 21,926,820 Onshore
Rangka kapal 82,791,044 (68,994,967) 13,796,077 Marine hull
Penerbangan 15,451,465 (19,874,245) (4,422,780) Aviation
Offshore 77,100,390 (117,014,359) (39,913,969) Offshore
Lainnya 553,189,272 (67,163,912) 486,025,360 Miscellaneous
Jumlah 1,336,312,094 (542,892,467) 793,419,627 Total
31 Desember/December 31, 2023
Komisi
reasuransi
diterima/ Komisi Pendapatan (beban)
Reinsurance dibayar/ komisi neto/
commissions Commissions Net commission
received paid income (expense)
Kebakaran 231,968,741 (432,918,337) (200,949,596) Fire
Pengangkutan 11,666,739 (66,268,683) (54,601,944) Marine cargo
Rekayasa 35,823,805 (77,624,230) (41,800,425) Engineering
Onshore 15,520,923 (21,629,907) (6,108,984) Onshore
Rangka kapal 87,271,748 (81,807,793) 5,463,955 Marine hull
Penerbangan 32,421,944 (14,891,068) 17,530,876 Aviation
Offshore 115,073,641 (75,296,127) 39,777,514 Offshore
Lainnya 43,709,093 (273,388,053) (229,678,960) Miscellaneous
Jumlah 573,456,634 (1,043,824,198) (470,367,564) Total
32. Beban Klaim Neto 32. Net Claim Expenses
31 Desember/December 31, 2024
Perubahan
aset reasuransi
Perubahan atas estimasi
Klaim reasuransi estimasi liabilitas klaim/
dan retrosesi/ liabilitas klaim/ Changes in Beban
Reinsurance and Changes in reinsurance assets klaim/
Klaim bruto/ retrocession estimated of estimated Claim
Gross claims claims claims liabilities claims liabilities expenses
Kebakaran 1,037,752,395 (493,026,248) 488,703,614 (336,454,624) 696,975,137 Fire
Rangka kapal 225,792,204 (93,839,021) (69,831,063) 113,676,239 175,798,359 Marine hull
Offshore 140,446,131 (94,109,388) 152,360,934 (69,628,661) 129,069,016 Offshore
Rekayasa 196,177,106 (76,182,073) 375,245,835 (374,760,995) 120,479,873 Engineering
Onshore 36,086,915 (12,268,751) 302,370,478 (181,862,434) 144,326,208 Onshore
Pengangkutan 106,044,545 (13,272,757) (38,685,852) 13,987,237 68,073,173 Marine cargo
Penerbangan 46,332,456 (33,166,386) (52,785,608) 36,772,907 (2,846,631) Aviation
Lainnya 901,192,554 (69,920,689) (448,198,966) 332,721,780 715,794,679 Miscellaneous
Jumlah 2,689,824,306 (885,785,313) 709,179,372 (465,548,551) 2,047,669,814 Total
114
Page 625
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Perubahan
aset reasuransi
Perubahan atas estimasi
Klaim reasuransi estimasi liabilitas klaim/
dan retrosesi/ liabilitas klaim/ Changes in Beban
Reinsurance and Changes in reinsurance assets klaim/
Klaim bruto/ retrocession estimated of estimated Claim
Gross claims claims claims liabilities claims liabilities expenses
Kebakaran 886,522,886 (523,177,532) (51,744,370) 335,027,078 646,628,062 Fire
Pengangkutan 140,664,410 (8,435,286) (42,495,720) 26,007,410 115,740,814 Marine cargo
Rangka kapal 198,262,600 (60,810,400) 197,908,264 (163,226,566) 172,133,898 Marine hull
Rekayasa 158,852,752 1,303,468 709,554,263 (691,711,352) 177,999,131 Engineering
Onshore 13,947,695 (865,442) (223,498,209) 153,087,711 (57,328,245) Onshore
Offshore 323,314,309 (291,511,750) (476,717,475) 385,392,730 (59,522,186) Offshore
Penerbangan 38,244,053 (22,148,428) 181,138,932 (154,256,101) 42,978,456 Aviation
Lainnya 1,025,578,184 (455,877,978) 344,292,322 (41,589,455) 872,403,073 Miscellaneous
Jumlah 2,785,386,889 (1,361,523,348) 638,438,007 (151,268,545) 1,911,033,003 Total
33. Pendapatan Investasi 33. Investment Income
a. Berdasarkan jenis pendapatan a. Based on type of investment income
investasi
2024 2023
Rp Rp
Penghasilan bunga Interest income
- Obligasi 308,361,306 319,239,948 Bonds -
- Deposito berjangka 161,371,605 127,557,965 Time deposits -
Penghasilan dividen 17,261,802 39,986,423 Dividend income
Keuntungan (kerugian) dari perubahan Gain (loss) on changes in fair
nilai wajar efek (37,882,067) 63,041,616 value of marketable securities
Laba (rugi) selisih perubahan nilai wajar Gain (loss) on revaluation increment of
properti investasi (Catatan 5f) (25,318,820) 24,705,589 investment property (Note 5f)
Lain-lain 19,493,088 5,298,497 Others
Jumlah 443,286,914 579,830,038 Total
b. Berdasarkan penempatan investasi b. Based on investment placement
2024 2023
Rp Rp
Pendapatan (rugi) obligasi 308,361,306 303,121,922 Income (loss) from bonds
Pendapatan deposito berjangka 161,371,605 127,557,965 Income from time deposits
Pendapatan saham 17,261,802 81,292,279 Income from shares
Laba (rugi) selisih perubahan nilai Gain (loss) on revaluation increment
wajar properti investasi (Catatan 5f) (25,318,820) 24,705,589 of investment property (Note 5f)
Pendapatan penyertaan langsung -- 729,275 Direct participation income
Pendapatan reksadana (37,882,067) 37,124,512 Income from mutual fund
Lain-lain 19,493,088 5,298,496 Others
Jumlah 443,286,914 579,830,038 Total
115
Page 626
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
34. Pendapatan Usaha Lainnya 34. Other Operating Revenues
2024 2023
Rp Rp
Usaha sewa 363,178,459 212,806,882 Rental business
Penjualan kendaraan 84,517,297 102,639,730 Sales of vehicles
Jasa survei 72,154,381 86,643,986 Survey fee
Jumlah 519,850,137 402,090,598 Total
Pendapatan sewa merupakan pendapatan Rental revenue consists of revenue from
dari usaha sewa properti investasi dan rental of subsidiary’s investment property and
kendaraan entitas anak. vehicles.
35. Beban Usaha 35. Operating Expense
2024 2023
Rp Rp
Gaji dan tunjangan 533,910,405 525,735,146 Salaries and allowance
Penyusutan dan amortisasi Depreciation and amortization
(catatan 10, 11, dan 12) 28,700,829 40,720,001 (notes 10, 11, and 12)
Pemasaran 44,866,264 66,733,064 Marketing
Jasa profesional 42,860,559 79,588,685 Professional services
Imbalan kerja (catatan 22) 38,042,904 46,003,729 Pension benefits (notes 22)
Umum 22,367,008 28,447,038 General
Perlengkapan kantor 13,553,628 13,803,349 Office supplies
Pemeliharaan dan perbaikan 12,494,996 7,832,728 Repairs and maintenance
Supervisi 317,886 18,668,527 Supervision
Penyisihan (Pemulihan) kerugian Allowance (recovery) for impairment
penurunan nilai dan hapus buku piutang (5,280,959) (17,391,969) losses and write-off receivable
Lain-lain (masing-masing di bawah Others (each below
Rp500.000) 28,287,637 2,080,658 Rp500,000)
Jumlah 760,121,157 812,220,956 Total
Beban usaha sebelum eliminasi terdiri dari Operating expenses before elimination consist
beban usaha Perseroan sebesar of operating expenses of the Company
Rp441.911.024 dan Rp650.253.169, amounting to Rp441,911,024 and
masing-masing untuk tahun 2024 dan 2023. Rp650,253,169 in 2024 and 2023,
Beban usaha entitas anak sebesar respectively. Operating expenses of the
Rp315.771.494 dan Rp244.008.997 masing- subsidiary amounted to Rp315,771,494 and
masing untuk tahun 2024 dan 2023. Rp244,008,997 in 2024 and 2023,
respectively.
36. Beban Usaha Lainnya 36. Other Operating Expenses
2024 2023
Rp Rp
Penyusutan dan amortisasi Depreciation and amortization
(catatan 10, 11, dan 12) 51,171,081 64,563,523 (notes 10, 11 and 12)
Harga pokok penjualan Kendaraan 73,600,269 81,526,083 Cost of vehicles
Jasa pihak ketiga 59,748,167 67,158,928 Third parties’ services
Perbaikan dan pemeliharaan 35,842,120 18,211,768 Repairment and maintainance
Gaji dan tunjangan 34,843,755 18,654,131 Salaries and allowance
Umum 4,979,651 34,756,979 General
Pemasaran 2,259,227 11,785,952 Marketing
Lainnya (masing-masing di bawah Others (each other
Rp8.000.000) 47,188,860 1,606,618 Rp8,000,000)
Jumlah 309,633,130 298,263,982 Total
116
Page 627
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
37. Pendapatan (Beban) Lain-Lain - Neto 37. Other Income (Expenses) - Net
2024 2023
Rp Rp
Keuntungan (kerugian) kurs mata Gain (Loss) on foreign
uang asing, neto 38,898,490 (2,835,945) exchange, net
Beban bunga pinjaman (29,454,135) (12,804,817) Borrowing interest expense
Pendapatan unit syariah 11,037,265 9,143,977 Sharia unit revenue
Beban Bank (621,334) (2,569,083) Bank charges
Keuntungan penjualan aset tetap 86,501 6,557 Gain on sale of fixed assets
Beban bunga - sewa modal (8,403) (19,075) Interest expense - capital lease
Beban bunga pembiayaan dan sewa (3,631,481) (5,278,681) Finance and lease interest expenses
Pendapatan Jasa Giro (1,033,915) 2,682,564 Interest on current account
Keuntungan (Kerugian) litigasi 44,737,505 84,407,040 Gain (Loss) on litigation
Laba/(rugi) lainnya (masing-masing Gain/(loss) others (each below
Rp1.000.000) 46,032,589 981,867,963 Rp1,000,000)
Jumlah 106,043,082 1,054,600,500 Total
Keuntungan (kerugian) litigasi merupakan Gain (loss) on litigation represents costs
biaya yang timbul dari kasus hukum antara arising from legal cases between the
Perseroan dan Citibank Hong Kong yang Company and Citibank Hong Kong has
telah berakhir. Perseroan memenangkan ended. The Company won the legal case.
kasus hukum tersebut.
38. Laba Per Saham 38. Earnings Per Share
Rincian perhitungan laba per saham dasar The details of basic and diluted earnings per
dan dilusian adalah sebagai berikut: share are as follows:
Laba per saham Earnings per share
2024 2023
Rp Rp
Laba tahun berjalan Income for the year
yang dapat diatribusikan attributable to equity holders
kepada pemilik entitas induk 700,854,404 1,322,393,811 of the parent entity
Rata-rata tertimbang saham Weighted average number of
biasa yang beredar (nilai penuh) 3,555,575,600 3,555,575,600 outstanding common stock (full amount)
Laba per saham Earning per share
dasar dan dilusian (nilai penuh) 197 372 basic and diluted (full amount)
Tidak ada transaksi lain yang melibatkan There have been no other transactions
saham biasa atau saham biasa potensial involving ordinary shares or potential ordinary
antara tanggal pelaporan dan tanggal shares between the reporting date and the
otorisasi laporan keuangan ini. date of authorisation of these financial
statements.
Harga pelaksanaan opsi saham yang The exercise price of the outstanding share
beredar melebihi harga pasar rata-rata options exceeded the average market price of
saham biasa selama periode 2024 dan ordinary shares during the period of 2024 and
2023. Oleh karena itu, opsi saham yang 2023. Therefore, the outstanding share
beredar tidak berdampak pada penentuan options did not have an impact on the
laba per saham dilusian sehingga harga per determination of the diluted EPS and thus the
saham dasar dan dilusian adalah sama. basic and diluted earnings per share are
identical.
117
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
39. Saldo Dan Transaksi Pihak Berelasi 39. Nature Of Relationships And Transactions
With Related Parties
Dalam kegiatan usaha yang normal, Grup In the ordinary course of business, the Group
melakukan transaksi dengan pihak-pihak has engaged in transactions with related
berelasi terutama transaksi penutupan polis parties principally consisting of underwriting of
asuransi, pembelian/penempatan deposito insurance policies, purchase/placements of
berjangka dan efek dan penempatan dana di time deposits and marketable securities and
bank serta penyertaan saham, yang placements of current accounts and
dilakukan dengan tingkat harga dan investments in shares of stock, which are
persyaratan yang disepakati antar para conducted under terms and conditions agreed
pihak. by both parties.
a. Informasi mengenai saldo yang material a. Information related to material balance
dengan pihak-pihak berelasi pada with the related parties as of December
tanggal 31 Desember 2024 dan 2023 31, 2024 and 2023 are as follows:
adalah sebagai berikut:
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Kas dan bank 210,581,934 303,107,902 58.82 56.35 Cash and bank
Deposito berjangka 1,718,686,868 2,548,909,034 79.54 82.75 Time deposits
Saham 118,457,257 126,713,546 44.09 47.16 Shares
Obligasi 6,106,818,761 4,547,337,890 94.28 95.18 Bonds
Reksa dana 301,502,007 424,488,483 32.32 41.41 Mutual fund
Piutang premi dan sesi 653,169,549 684,887,484 2.48 2.72 Premium and cession receivable
Piutang koasuransi 34,673,218 143,420,266 18.03 33.92 Coinsurance receivable
Piutang reasuransi Reinsurance and
dan retrosesi 103,734,302 215,002,738 21.34 32.80 retrocession receivable
Utang klaim 32,493,673 32,243,894 20.90 10.28 Claim payable
Utang koasuransi 71,072,526 32,523,770 77.60 44.21 Coinsurance payable
Utang reasuransi Reinsurance and
dan retrosesi 397,548,725 49,859,966 21.66 2.64 retrocession payable
Utang pembiayaan Consumer finance
konsumen dan sewa pembiayaan -- 503,985 -- 1.11 and leases payables
Pinjaman diterima 475,956,710 287,256,970 90.30 97.00 Borrowings
Estimasi klaim 143,575,237 149,725,560 5.68 6.55 Estimated claims
b. Hubungan dengan pihak-pihak berelasi The nature of relationship with the
adalah sebagai berikut: related parties are as follow:
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Kas dan bank (catatan 4)/
Cash and bank (note 4)
Rupiah/ Rupiah
PT Bank Mandiri (Persero) Tbk 69,073,805 65,016,437 19.29 12.09
PT Bank Rakyat Indonesia (Persero) Tbk 46,733,852 121,078,626 13.05 22.51
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Syariah 29,250,002 10,883,208 8.17 2.02
PT Bank Syariah Indonesia Tbk 14,470,542 17,564,222 4.04 3.27
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 5,295,528 11,664,563 1.48 2.17
PT Bank Negara Indonesia (Persero) Tbk 1,148,002 5,503,669 0.32 1.02
PT Bank DKI 426,865 1,558,402 0.12 0.29
PT Bank Tabungan Negara (Persero) Tbk 401,200 1,951,913 0.11 0.36
PT Bank Mandiri Taspen 317,461 9,528 0.09 0.01
PT Bank Pembangunan Daerah Jawa Tengah 4,825 5,125 0.00 0.01
118
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Dolar Amerika Serikat/ United States Dollar
PT Bank Mandiri (Persero) Tbk 38,245,831 66,509,729 10.68 12.37
PT Bank Rakyat Indonesia (Persero) Tbk 4,665,446 1,098,965 1.30 0.20
PT Bank Syariah Indonesia Tbk 474,494 191,294 0.13 0.04
PT Bank DKI 14,461 14,722 0.01 0.01
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 8,627 8,506 0.01 0.01
PT Bank Tabungan Negara (Persero) Tbk 4,534 4,325 0.01 0.01
Dolar Hongkong/ Hongkong Dollar
PT Bank Negara Indonesia (Persero) Tbk 46,459 44,668 0.01 0.01
Jumlah/ Total 210,581,934 303,107,902 58.82 56.35
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Deposito berjangka (catatan 5)/
Time deposits (note 5)
Rupiah/ Rupiah
PT Bank Tabungan Negara (Persero) Tbk 470,225,000 1,037,800,000 21.76 33.69
PT Bank Syariah Indonesia Tbk 397,500,000 118,500,000 18.40 3.85
PT Bank Rakyat Indonesia (Persero) Tbk 350,550,651 506,700,651 16.22 16.45
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 65,500,000 301,000,000 3.03 9.77
PT Bank Mandiri (Persero) Tbk 17,852,400 6,352,400 0.83 0.21
PT Bank Negara Indonesia (Persero) Tbk 5,500,000 -- 0.25 --
PT Bank DKI Syariah 1,500,000 1,500,000 0.07 0.05
PT Bank Pembangunan Daerah
Jawa Barat dan Banten Syariah 1,000,000 -- 0.05 --
Dolar Amerika Serikat/ United States Dollar
PT Bank Mandiri (Persero) Tbk 158,545,441 114,078,400 7.34 3.70
PT Bank Rakyat Indonesia (Persero) Tbk 96,942,000 320,652,800 4.49 10.41
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 80,785,000 12,332,800 3.74 0.40
PT Bank Negara Indonesia (Persero) Tbk 34,173,970 16,330,228 1.58 0.53
PT Bank Syariah Indonesia Tbk 4,444,550 4,239,400 0.21 0.14
PT Bank Tabungan Negara (Persero) Tbk -- 49,331,200 -- 1.60
Dolar Hongkong/ Hongkong Dollar
PT Bank Mandiri (Persero) Tbk 34,167,856 35,714,110 1.58 1.16
China Yuan/ Chinese Yuan
PT Bank Mandiri (Persero) Tbk -- 24,377,045 -- 0.79
Jumlah/ Total 1,718,686,868 2,548,909,034 79.54 82.75
119
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Obligasi (catatan 5b)/ Bonds (note 5b)
Tersedia untuk dijual/ Available-for-sale
Rupiah/ Rupiah
Obligasi Negara RI FR0082 620,739,040 640,819,198 0.10 0.13
Obligasi Negara RI FR0101 600,862,440 -- 0.09 --
Obligasi Negara RI FR0056 383,250,000 393,382,500 0.06 0.08
Obligasi Negara RI FR0078 369,554,938 263,459,102 0.06 0.06
Obligasi Negara RI FR0068 237,197,870 247,443,647 0.04 0.05
Obligasi Negara RI FR0087 214,955,856 220,630,514 0.03 0.05
Obligasi Negara RI FR0095 196,907,711 140,957,612 0.03 0.03
Sekuritas Rupiah Bank Indonesia
IDSR080825364S 191,690,000 -- 0.03 --
Obligasi Negara RI FR0104 178,758,611 -- 0.03 --
Obligasi Negara PBS Ijaroh 032 132,476,608 12,303,970 0.02 0.01
Obligasi Negara RI FR0073 141,050,000 145,787,200 0.02 0.03
Obligasi Negara RI FR0059 140,097,497 213,719,573 0.02 0.04
Obligasi Negara RI FR0064 130,564,178 97,889,482 0.02 0.02
Obligasi Negara RI FR0103 121,494,256 -- 0.02 --
Obligasi Negara RI FR0100 119,456,470 -- 0.02 --
Obligasi Negara RI FR0052 98,600,000 101,858,050 0.02 0.02
Sekuritas Rupiah Bank Indonesia
IDSR150825364S 97,573,598 -- 0.02 --
SBSN Seri PBSG001 89,864,046 29,993,240 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR290825364S 71,580,750 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR220825364S 66,903,900 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR230725364S 62,500,100 -- 0.01 --
Obligasi Negara RI FR0071 56,684,888 58,786,063 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR110425273S 53,977,000 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR250725364S 52,861,600 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR010825364S 52,789,000 -- 0.01 --
Obligasi Berkelanjutan II
PLN Thp III Tahun 2018 Sr E 44,806,546 43,706,382 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR280525364S 43,754,400 -- 0.01 --
Obligasi Negara RI FR0058 42,725,284 44,066,123 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR140525364S 39,003,600 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR110625364S 38,785,600 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR110725364S 38,554,000 -- 0.01 --
Obligasi Negara RI FRSDG001 30,450,000 31,067,400 0.01 0.01
Obligasi Berkelanjutan II Pupuk
Indonesia Thp I Tahun 2020 Sr B 30,151,200 30,198,900 0.01 0.01
120
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Obligasi Negara RI FR0081 29,958,794 30,047,621 0.01 0.01
Obligasi Negara PBS Ijaroh 036 29,700,000 29,483,600 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR191225364S 28,011,600 -- 0.01 --
Obligasi Berkelanjutan II
PLN Thp I Tahun 2017 Sr C 25,465,000 25,953,750 0.01 0.01
Obligasi Negara RI FR0084 25,092,499 25,413,763 0.01 0.01
Obligasi Berkelanjutan VI Sarana
Multigriya Finansial Thp II Th 2021 24,627,250 24,659,000 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR020725364S 24,139,000 -- 0.01 --
Obligasi Berkelanjutan I
Bank Mandiri Thp I Th 2016 Sr C 22,728,860 23,195,260 0.01 0.01
Obligasi Negara RI FR0054 22,400,000 23,379,000 0.01 0.01
Obligasi Berkelanjutan II
PLN Thp II Tahun 2017 Sr C 20,702,800 20,680,400 0.01 0.01
Obligasi Berkelanjutan III
PLN Thp III Tahun 2019 Sr C 20,594,200 20,888,600 0.01 0.01
Obligasi I Marga Lingkar
Jakarta Tahun 2017 Sr D 20,569,800 21,213,200 0.01 0.01
Obligasi Berkelanjutan III
PLN Thp IV Tahun 2019 Sr B 20,561,400 20,908,800 0.01 0.01
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr B 20,176,293 20,462,892 0.01 0.01
Obligasi Berkelanjutan II
Jasa Marga Thp I Tahun 2020 Sr B 20,022,800 20,408,400 0.01 0.01
Obligasi IV Waskita Karya
Tahun 2022 Sr A 19,682,400 19,972,400 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR020425273S 19,662,400 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR040425364S 19,654,800 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR230425273S 19,582,200 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR080925367S 19,052,200 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR040725364S 18,896,868 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR071125364S 18,827,600 -- 0.01 --
Obligasi I Angkasa
Pura II Tahun 2016 Sr C 18,487,578 18,524,347 0.01 0.01
Obligasi Negara PBS Ijaroh 017 17,856,000 17,820,000 0.01 0.01
Obligasi Berkelanjutan I Kereta
Api Indonesia Thp I Thn 2022 Sr B 17,588,540 28,665,900 0.01 0.01
Obligasi VII Danareksa Thn 2023 Seri A 16,996,701 16,966,203 0.01 0.01
Obligasi VII Danareksa Thn 2023 Seri B 16,086,040 16,028,551 0.01 0.01
Obligasi Negara RI FR0065 16,060,137 16,643,343 0.01 0.01
Obligasi Berkelanjutan VI Sarana
Multigriya Finansial Tahap III Tahun 2022 15,001,800 15,109,111 0.01 0.01
Obligasi Keberlanjutan Berkelanjutan I
Bank BJB Tahap I Tahun 2024 Seri A 14,966,083 -- 0.01 --
Obligasi Berkelanjutan V
Pegadaian Thp I Tahun 2022 Sr B 11,971,320 11,826,240 0.01 0.01
Obligasi Berkelanjutan IV
PNM Thp II Tahun 2022 Sr B 11,936,640 11,822,880 0.01 0.01
Obligasi Keberlanjutan Berkelanjutan I
Bank BJB Tahap I Tahun 2024 Seri B 10,970,118 -- 0.01 --
121
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr D 10,591,300 10,773,600 0.01 0.01
Obligasi Indonesia Eximbank III
Berkelanjutan Thp IV
Tahun 2017 Sr E 10,427,634 10,652,190 0.01 0.01
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr C 10,419,274 10,622,276 0.01 0.01
Obligasi Berkelanjutan I Semen
Indonesia Thp II Tahun 2019 Sr B 10,288,500 10,726,600 0.01 0.01
Obligasi Berkelanjutan III
PLN Thp V 2019 Sr B 10,196,323 10,336,751 0.01 0.01
Obligasi I BRI Finance Tahun 2022 10,159,500 9,911,400 0.01 0.01
Sukuk Ijarah Berkelanjutan I
Elnusa Thp I Tahun 2020 10,113,000 10,378,100 0.01 0.01
Obligasi Subordinasi Berkelanjutan I
Bank Sumut Thp I Tahun 2018 10,083,631 15,194,923 0.01 0.01
Obligasi Negara RI FR0086 9,827,865 9,830,248 0.01 0.01
Sekuritas Rupiah Bank Indonesia
IDSR210425276S 9,794,900 -- 0.01 --
Obligasi Negara PBS Ijaroh 030 9,600,000 -- 0.01 --
Sekuritas Rupiah Bank Indonesia
IDSR190925364S 9,505,800 -- 0.01 --
Obligasi Negara RI FR0062 9,408,700 9,825,483 0.01 0.01
Obligasi Berkelanjutan IV
PNM Thp I Tahun 2021 Sr C 7,801,040 7,876,720 0.01 0.01
Obligasi Berkelanjutan III
PLN Thp VII Tahun 2020 Sr D 7,481,588 7,641,800 0.01 0.01
(Green Bond) I PT BNI (Persero)
Tbk Tahun 2022 Sr B 6,959,466 12,848,423 0.01 0.01
Obligasi Berkelanjutan I
Telkom Thp I Tahun 2015 Sr D 6,480,603 6,692,189 0.01 0.01
Obligasi Negara RI FR0045 6,083,396 6,264,300 0.01 0.01
Obligasi PT BNI (Perseo) Tbk
Tahun 2022 Sr B 5,998,260 15,076,500 0.01 0.01
Obligasi Berwawasan Lingkungan
Berkelanjutan PT Bank BRI
Thp I Tahun 2022 Sr C 5,887,359 5,891,221 0.01 0.01
Obligasi Berkelanjutan I
Telkom Tahun 2015 Sr C 5,682,214 5,848,727 0.01 0.01
Obligasi I Pelindo IV
Gerbang Nusantara Tahun 2018 Sr C 5,308,086 5,418,203 0.01 0.01
Obligasi Berkelanjutan II
Bank BRI Thp II Tahun 2017 Sr D 5,199,300 5,274,500 0.01 0.01
Obligasi Berkelanjutan III
Bank BTN Thp I Tahun 2017 Sr D 5,173,600 5,290,700 0.01 0.01
Obligasi Berkelanjutan II
Jasa Marga Thp I Tahun 2020 Sr C 5,082,200 5,195,700 0.01 0.01
Surat Perbendaharaan Negara
Seri SPN12250314 2,139,648 -- 0.01 --
Obligasi I Pelindo 1 Gerbang
Nusantara Tahun 2016 Sr D 1,032,297 1,055,771 0.01 0.01
122
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Obligasi Negara RI FR0070 -- 446,393,873 -- 0.09
Obligasi Berkelanjutan III
Bank BTN Thp II Tahun 2019 Sr C -- 55,458,150 -- 0.01
Obligasi Berkelanjutan III
PLN Thp V Tahun 2019 Sr A -- 40,287,916 -- 0.01
Obligasi Berkelanjutan I
Timah Thp II 2019 Sr B -- 34,891,150 -- 0.01
Obligasi Berkelanjutan III
PLN Thp III Tahun 2019 Sr B -- 29,948,700 -- 0.01
Obligasi Bkjt II Mayora
Indah Thp II Thn 2022 Sr A -- 29,715,900 -- 0.01
Obligasi Berkelanjutan II
Protelindo Tahap II Th 2021 Sr B -- 29,656,200 -- 0.01
Obligasi Subordinasi Berkelanjutan I
Bank BJB Thp I Tahun 2017 Sr B -- 20,300,968 -- 0.01
Obligasi Berkelanjutan I Semen
Indonesia Thp II Tahun 2019 Sr A -- 20,293,000 -- 0.01
Obligasi Berkelanjutan V Sarana
Multigriya Finansial Thp I 2019 Sr C -- 20,223,800 -- 0.01
Obligasi Berkelanjutan I Bank Mandiri
Taspen Thp II Tahun 2021 Sr A -- 19,957,693 -- 0.01
MTN II BRI Finance Tahun 2021 -- 12,391,750 -- 0.01
Obligasi Negara RI FR0077 -- 10,064,357 -- 0.01
Obligasi Berkelanjutan IV
PNM Thp I Tahun 2021 Sr B -- 9,908,500 -- 0.01
Obligasi I Kereta Api Indonesia
Tahun 2017 Sr B -- 3,064,042 -- 0.01
Dolar Amerika Serikat/ United States Dollar
Eurobonds Indonesia 2026 96,768,388 92,688,402 0.01 0.02
Eurobonds Indonesia 2025 79,164,763 74,954,866 0.01 0.02
Eurobonds Indonesia 2034 76,699,506 -- 0.01 --
Sukuk Global SBSN 2030 48,071,175 -- 0.01 --
Eurobonds Indonesia 2033 31,184,283 31,589,645 0.01 0.01
PPLNIJ 5.25 10/24/42 28,395,341 29,206,537 0.01 0.01
Eurobonds Indonesia 2042 23,357,904 24,205,278 0.01 0.01
Obligasi Negara Republik Indonesia
INDOIS 2033 16,496,047 -- 0.01 --
Eurobonds Indonesia 2043 15,821,790 14,000,040 0.01 0.01
Eurobonds Indonesia 2038 9,756,108 9,929,664 0.01 0.01
Obligasi Negara Republik Indonesia
INDOIS 2026 8,057,925 7,715,531 0.01 0.01
Obligasi Negara Republik Indonesia
INDOIS 2031 6,902,877 6,734,024 0.01 0.01
Standard Chartered PLC @3,971% 03/30/26 6,437,066 6,009,958 0.01 0.01
Bond Pertamina Tahun 2044 4,329,396 -- 0.01 --
RI INDON 24 -- 38,323,108 -- 0.01
Eurobonds Indonesia 2024 -- 30,845,461 -- 0.01
Eurobonds Indonesia 2041 -- 3,810,835 -- 0.01
Sub-jumlah/ Sub-total 6,106,818,761 4,547,337,890 0.94 0.95
Jumlah/ Total 6,106,818,761 4,547,337,890 0.94 0.95
123
Page 634
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Reksa dana (catatan 5b)/
Mutual fund (note 5b)
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Bahana ETF Bisnis 27 72,988,326 78,231,488 7.82 7.63
Mandiri Investa Cerdas Bangsa Kelas A 30,885,397 -- 3.31 --
PNM Dana Tunai 20,951,610 21,563,091 2.25 2.10
Mandiri Investa Pasar Uang -- 17,830,122 -- 1.74
Mandiri ETF LQ45 -- 1,999,036 -- 0.20
Sub-jumlah/ Sub-total 124,825,333 119,623,737 13.38 11.67
Tersedia untuk dijual/ Available-for-sale
Available-for-sale
BNI-AM Indeks IDX30 71,943,947 71,014,740 7.71 6.93
RD Pendapatan Tetap BNI AM Utama 51,529,806 50,686,040 5.52 5.43
RDPT PNM Perikanan Nusantara 20,000,000 18,931,200 2.14 2.03
Bahana Dana Ekuitas Andalan Kelas G 17,701,749 19,539,876 1.90 2.09
Danareksa ETF Indonesia Top 40 13,680,000 21,507,217 1.47 2.31
Mandiri Investa Ekuitas Dinamis 1,821,172 1,886,485 0.20 0.20
BNI AM Nusantara ETF MSCI Indonesia -- 67,707,964 -- 7.26
RDPT Syariah PNM Pembiayaan Mikro -- 50,265,500 -- 5.39
BNI AM ETF
MSCI ESG Leaders Indonesia -- 3,325,724 -- 0.36
Sub-jumlah/ Sub-total 176,676,674 304,864,746 18.94 32.00
Jumlah/ Total 301,502,007 424,488,483 32.32 43.67
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Saham (catatan 5b)/ Shares (note 5b)
Nilai wajar melalui laba rugi/
Fair value through profit or loss
PT Bank Mandiri (Persero) Tbk 12,257,189 13,364,958 4.58 4.97
PT Bank Rakyat Indonesia (Persero) Tbk 9,275,611 11,870,982 3.47 4.42
PT Telkom Indonesia (Persero) Tbk 8,022,955 9,974,935 3.00 3.71
PT Bank Negara Indonesia (Persero) Tbk 3,737,085 4,978,325 1.40 1.85
PT Perusahaan Gas Negara Tbk 3,617,250 2,570,750 1.35 0.96
PT Aneka Tambang (Persero) Tbk 2,668,607 2,351,717 1.00 0.88
PT Semen Indonesia (Persero) Tbk 1,450,232 2,668,160 0.54 0.99
PT Jasa Marga (Persero) Tbk 643,113 723,317 0.24 0.27
PT Indocement Tunggal Prakarsa Tbk 552,780 702,180 0.21 0.26
PT Wijaya Karya (Persero) Tbk 462,095 454,520 0.17 0.17
PT Waskita Karya (Persero) Tbk 385,353 269,747 0.14 0.10
PT Adhi Karya (Persero) Tbk 180,926 266,268 0.07 0.10
PT Wijaya Karya Beton Tbk 128,790 180,641 0.05 0.07
PT Pembangunan Perumahan (Persero) Tbk 82,723 105,374 0.03 0.04
PT Waskita Beton Precast Tbk 29,048 63,542 0.01 0.02
Sub-jumlah/ Sub-total 43,493,757 50,545,416 16.27 18.81
124
Page 635
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Tersedia untuk dijual/ Available-for-sale
PT Bank Rakyat Indonesia (Persero) Tbk 22,728,929 3,624,590 8.50 1.35
PT Telkom Indonesia (Persero) Tbk 19,654,817 32,228,840 7.35 12.00
PT Bank Mandiri (Persero) Tbk 17,670,000 3,489,035 6.61 1.30
PT Semen Indonesia (Persero) Tbk 7,840,070 6,803,200 2.93 2.53
PT Indocement Tunggal Prakarsa Tbk 2,664,000 3,384,000 1.00 1.26
PT Bank Tabungan Negara (Persero) Tbk 2,463,426 4,329,500 0.92 1.61
PT Aneka Tambang Tbk 1,525,029 2,667,164 0.57 0.99
PT Waskita Karya (Persero) Tbk 394,829 394,829 0.15 0.15
PT Waskita Beton Precast Tbk 22,400 70,000 0.01 0.03
PT Perusahaan Gas Negara Tbk -- 10,186,611 -- 3.79
PT Jasa Marga (Persero) Tbk -- 3,729,894 -- 1.39
PT Bank Negara Indonesia (Persero) Tbk -- 2,515,500 -- 0.94
PT Pembangunan Perumahan (Persero) Tbk -- 2,080,580 -- 0.77
PT Tambang Batubara Bukit Asam Tbk -- 448,228 -- 0.17
PT Wijaya Karya (Persero) Tbk -- 14,936 -- 0.01
PT Timah Tbk -- 155,252 -- 0.06
PT Wijaya Karya Beton Tbk -- 32,314 -- 0.01
PT Adhi Karya (Persero) Tbk -- 13,657 -- 0.01
Sub-jumlah/ Sub-total 74,963,500 76,168,130 28.04 28.35
Jumlah/ Total 118,457,257 126,713,546 44.31 47.16
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Piutang premi dan sesi (catatan 6)/
Premium and cession receivable (note 6)
Perseroan/ The company
PT Garuda Indonesia (Persero) Tbk 90,692,707 16,143,516 5.61 0.87
PT PLN (Persero) 74,386,828 -- 4.60 --
PT Pertamina Patra Niaga 67,091,093 121,671,276 4.15 6.54
PT Citilink Indonesia 53,988,625 -- 3.34 --
PT Kilang Pertamina Internasional 52,604,707 218,283,911 3.25 11.74
PT Pupuk Kalimantan Timur 42,019,099 41,654,913 2.60 2.24
PT Pertamina Geothermal Energy 36,153,313 9,386,291 2.24 0.50
PT Pelita Air Service 32,585,058 30,033,985 2.02 1.62
PT Perusahaan Gas Negara (Persero) Tbk 20,609,285 49,337,297 1.27 2.65
PT Elnusa Petrofin Indonesia 18,272,322 5,136,052 1.13 0.28
PT Petrokimia Gresik 16,901,026 16,734,974 1.05 0.90
PT Pertamina Energy Terminal 16,773,555 3,421,072 1.04 0.18
PT Pupuk Sriwidjaja Palembang 12,453,173 15,473,766 0.77 0.83
PT Pupuk Iskandar Muda 12,176,016 12,977,967 0.75 0.70
PT Pertamina Drilling Service Indonesia 11,998,834 33,075,526 0.74 1.78
PT Pertamina International Shipping 9,911,214 2,142,220 0.61 0.12
PT Pupuk Kujang Cikampek 7,359,555 7,664,100 0.46 0.41
PT Patra Logistik 5,062,576 170,096 0.31 0.01
PT Patra Drilling Contractor 3,262,199 1,047,859 0.20 0.06
125
Page 636
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
PT Pertamina Lubricants 2,112,066 1,608,141 0.13 0.09
PT Patra Trading 1,090,780 1,709,304 0.07 0.09
PT Pertamina (Persero) Tbk 807,234 1,569,062 0.05 0.08
Pertamina International Shipping Pte Ltd -- 1,116,667 -- 0.06
PT Prima Armada Raya -- 4,086,951 -- 0.22
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 41,389,983 51,869,642 2.56 2.79
Sub-jumlah/ Sub-total 629,701,248 646,314,588 38.95 34.77
Entitas anak/ Subsidiaries
PT Asuransi Jasa Indonesia 5,248,295 26,088,614 0.32 1.40
PT Reasuransi Nasional Indonesia 3,996,354 8,884,906 0.25 0.48
PT Asuransi Samsung Tugu 3,762,982 8,315,076 0.23 0.45
PT BRI Asuransi Indonesia 2,792,327 1,662,853 0.17 0.09
PT Asuransi Asei Indonesia 2,364,374 3,360,029 0.15 0.18
PT Asuransi Kredit Indonesia 2,024,753 4,169,206 0.13 0.22
PT Reasuransi Indonesia Utama 29,592 4,766,823 0.01 0.26
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 3,249,624 2,419,385 0.20 0.13
Sub-jumlah/ Sub-total 23,468,301 59,666,892 1.45 3.21
Jumlah/ Total 653,169,549 705,981,480 2.48 2.81
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Piutang koasuransi(catatan 7)/
Coinsurance receivable (note 7)
PT Asuransi Jasa Indonesia 31,244,591 55,576,885 16.25 13.14
PT Asuransi Jasa Raharja Putera 1,421,783 292,198 0.74 0.07
PT Asuransi Kredit Indonesia 1,065,252 2,958,751 0.55 0.70
PT Asuransi ASEI Indonesia 754,227 4,753,588 0.39 1.12
PT BRI Asuransi Indonesia 34,472 76,716,357 0.02 18.14
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 152,893 3,122,487 0.08 0.74
Jumlah/ Total 34,673,218 143,420,266 18.03 33.92
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Piutang reasuransi dan
retrosesi (catatan 8)/ reinsurance
and retrocession receivable (note 8)
Perseroan/ The company
PT Reasuransi Indonesia Utama 57,577,261 107,580,957 11.85 16.41
PT Asuransi Jasa Indonesia 22,114,030 8,524,454 4.55 1.30
PT Reasuransi Nasional Indonesia 16,331,631 78,319,213 3.36 11.95
126
Page 637
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
PT Asuransi Dharma Bangsa -- 11,727,531 -- 1.79
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 1,839,254 2,693,512 0.38 0.41
Sub-jumlah/ Sub-total 97,862,176 208,845,667 20.14 31.86
Entitas anak/ Subsidiaries
PT Reasuransi Nasional Indonesia 5,399,456 6,157,071 1.11 0.94
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 472,670 450,665 0.10 0.07
Sub-jumlah/ Sub-total 5,872,126 6,607,736 1.21 1.01
Jumlah/ Total 103,734,302 215,453,403 21.34 32.86
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Utang klaim (catatan 14)/
Claim payable (note 14)
PT Asuransi Jasa Indonesia (Persero) 21,043,333 93,581 13.54 0.03
PT Asuransi Jasa Raharja Putera 567,809 -- 0.37 --
PT Pratama Mitra Sejati 419,659 419,659 0.27 0.13
PT Semen Padang 159,020 -- 0.10 --
PT Pertamina Drilling Services Indonesia -- 13,522,417 -- 4.31
PT Kilang Pertamina Internasional -- 7,246,558 -- 2.31
PT Asuransi Jiwasraya (Persero) -- 616,921 -- 0.20
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 10,303,852 10,344,758 6.63 3.30
Jumlah/ Total 32,493,673 32,243,894 20.90 10.28
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Utang koasuransi (catatan 15)/
Coinsurance payable (note 15)
PT BRINS General Insurance 43,688,788 5,433,711 47.70 32.62
PT Asuransi Jasa Indonesia 8,007,364 23,997,050 8.74 32.62
PT Asuransi ASEI Indonesia 6,044,909 13,030 6.60 7.39
PT Asuransi Jasa Raharja Putra 4,901,866 1,450,572 5.35 1.97
PT Asuransi Kredit Indonesia 4,132,344 57,880 4.51 0.53
PT Garuda Indonesia (Persero) Tbk -- 388,525 -- 0.02
PT Asuransi Dharma Bangsa -- 161,399 -- 0.02
Lainnya (dibawah Rp100.000)/
Others (below Rp100,000) 4,297,255 1,021,603 4.69 1.37
Jumlah/ Total 71,072,526 32,523,770 77.60 44.21
127
Page 638
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Utang reasuransi dan retrosesi
(catatan 17)/ Reinsurance and
retrocession payable (note 17)
Perseroan/ The company
PT Reasuransi Indonesia Utama 93,274,301 47,607,540 5.08 2.52
PT Reasuransi Nasional Indonesia 162,884 683,967 0.01 0.04
PT Asuransi Dharma Bangsa -- 1,099,977 -- 0.06
Lainnya (dibawah Rp1.000.000)/
Others (below Rp1,000,000) 302,770,003 -- 16.50 --
Sub-jumlah/ Sub-total 396,207,188 49,391,484 21.59 2.61
Entitas anak/ Subsidiaries
PT Reasuransi Indonesia Utama 1,341,537 468,482 0.07 0.02
Sub-jumlah/ Sub-total 1,341,537 468,482 0.07 0.02
Jumlah/ Total 397,548,725 49,859,966 21.66 2.64
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Estimasi klaim (catatan 16)/
Estimated claims (note 16)
Perseroan/ The company
PT Pertamina (Persero) 64,048,179 67,651,178 2.53 2.96
PT Kilang Pertamina Internasional 31,591,408 -- 1.25 --
PT Pertamina Patra Niaga 25,128,479 26,228,089 0.99 1.15
SKK Migas 7,148,459 23,554,855 0.28 1.03
PT PLN 6,494,357 290,651 0.26 0.01
PT Elnusa Petrofin 3,124,461 18,910,317 0.12 0.83
PT Swadharma Sarana Informatika 2,243,233 3,579,855 0.09 0.16
PT Wijaya Karya (Persero) Tbk 1,407,562 2,307,562 0.06 0.10
PT Pertamina Drilling
Service Indonesia 1,026,087 4,191,206 0.04 0.18
PT Bank Mandiri (Persero) Tbk 735,361 273,190 0.03 0.01
PT Pertamina Hulu Energi
West Madura Offshore 419,379 419,379 0.02 0.02
PT Hutama Karya (Persero) 166,939 1,312,031 0.01 0.06
PT Pupuk Kalimantan Timur 41,333 1,007,247 0.01 0.04
Sub-jumlah/ Sub-total 143,575,237 149,725,560 5.68 6.55
Jumlah/ Total 143,575,237 149,725,560 5.68 6.55
128
Page 639
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Utang pembiayaan konsumen dan sewa
pembiayaan (catatan 24)/ Consumer
finance and leases payables (note 24)
Pembiayaan Konsumen/ Consumer Financing
PT Mandiri Tunas Finance -- 503,985 -- 1.11
Jumlah/ Total -- 503,985 -- 1.11
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2024 2023 2024 2023
Rp Rp % %
Pinjaman diterima (catatan 23)/
Borrowings (note 23)
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 263,215,866 149,351,005 49.94 28.34
PT Bank Syariah Indonesia Tbk 184,834,301 62,504,333 35.07 11.86
PT Bank Mandiri (Persero) Tbk 27,906,543 75,338,655 5.29 14.29
PT Bank Rakyat Indonesia (Persero) Tbk -- 62,977 -- 0.01
Jumlah/ Total 475,956,710 287,256,970 90.30 54.50
Saldo piutang premi dari pihak berelasi Outstanding balances of premium
tidak memiliki jaminan, tidak berbunga, receivable from related party are
dan pada umumnya berjangka waktu unsecured, non-interest bearing, and
pembayaran 30-60 hari. generally on 30-60 days terms of
payments.
b. Hubungan dengan pihak-pihak berelasi b. The nature of relationships with the
adalah sebagai berikut: related parties are as follow:
Pihak-pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
Pemerintah RI Entitas induk terakhir/ Obligasi/Bonds
Ultimate parent
Komisaris dan direksi/ Personil manajemen kunci/ Beban gaji dan kesejahteraan karyawan/
Commissioners and directors Key management personnel Salaries and employees benefits
PT Pertamina (Persero) Tbk Entitas induk/ Obligasi/Bonds
Parent entity Penutupan asuransi/Insurance premium
Piutang premi dan sesi/
Premium and cession receivable
PT Pertamina Patra Niaga Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Pelita Air Service Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
(Persero) Tbk Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Pertamina Energy Terminal Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
PT Pertamina Drilling Services Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Indonesia Entity controlled by parent entity Premium and cession receivable
Utang Klaim/Claim Payable
Penutupan asuransi/Insurance premium
129
Page 640
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pihak-pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Pertamina Lubricants Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Elnusa Tbk Entitas yang dikendalikan oleh entitas induk/ Obligasi/Bonds
Entity controlled by parent entity
PT Perusahaan Gas Negara Entitas yang dikendalikan oleh entitas induk/ Saham/Shares
(Persero) Entity controlled by parent entity Piutang premi dan sesi/
Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Pertamina Geothermal Energy Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Pertamina International Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Shipping Pte Ltd Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Asuransi Samsung Tugu Entitas asosiasi/ Piutang premi dan sesi/
Associate entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Patra Trading Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Pertamina Drilling Contractor Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Kilang Pertamina Internasional Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Utang Klaim/Claim Payable
Penutupan asuransi/Insurance premium
PT Garuda Indonesia Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
(Persero) Tbk Government - related entities Premium and cession receivable
Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
PT Prima Armada Raya Entitas yang dikendalikan oleh entitas induk/ Penutupan asuransi/Insurance premium
Entity controlled by parent entity Piutang premi dan sesi/
Premium and cession receivable
PT Elnusa Petrofin Indonesia Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
PT Asuransi Jasa Indonesia Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
Piutang koasuransi/Coinsurance receivable
Piutang reasuransi dan retrosesi/
Reinsurance and retrocession receivable
Utang Klaim/Claim Payable
Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
PT Asuransi Kredit Indonesia Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
Piutang koasuransi/Coinsurance receivable
Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
PT Asuransi Ekspor Indonesia (Asei) Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Penutupan asuransi/Insurance premium
Utang Klaim/Claim Payable
Piutang premi dan sesi/
Premium and cession receivable
Piutang koasuransi/Coinsurance receivable
PT Asuransi Dharma Bangsa Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Utang reasuransi/Reinsurance Payable
Penutupan asuransi/Insurance premium
Piutang reasuransi dan retrosesi/
Reinsurance and retrocession receivable
PT Asuransi Jasa Raharja Putra Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Penutupan asuransi/Insurance premium
Piutang koasuransi/Coinsurance receivable
Utang Klaim/Claim Payable
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pihak-pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Reasuransi Indonesia Entitas berelasi dengan Pemerintah/ Utang reasuransi/Reinsurance Payable
Utama (Persero) Government - related entities Piutang reasuransi dan retrosesi/
Reinsurance and retrocession receivable
Penutupan asuransi/Insurance premium
Piutang premi dan sesi/
Premium and cession receivable
PT Asuransi Bringin Sejahtera Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Artamakmur (BSAM) Government - related entities Penutupan asuransi/Insurance premium
PT Reasuransi Nasional Entitas berelasi dengan Pemerintah/ Piutang reasuransi dan retrosesi/
Indonesia (Nasre) Government - related entities Reinsurance and retrocession receivable
Piutang premi dan sesi/
Premium and cession receivable
Utang reasuransi/Reinsurance Payable
Penutupan asuransi/Insurance premium
PT BRI Asuransi Indonesia Entitas berelasi dengan Pemerintah/ Piutang koasuransi/Coinsurance receivable
Government - related entities Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
Piutang premi dan sesi/
Premium and cession receivable
PT Asuransi Jiwasraya (Persero) Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Mandiri Utama Finance Entitas berelasi dengan Pemerintah/ Utang reasuransi/Reinsurance Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Bank Pembangunan Daerah Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Jawa Tengah Government - related entities Obligasi/Bonds
PT Bank Rakyat Indonesia Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
(Persero) Tbk Government - related entities Deposito Berjangka/Time Deposits
Saham/Shares
Obligasi/Bonds
Pinjaman diterima/Borrowings
PT Bank Tabungan Negara Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
(Persero) Tbk Government - related entities Deposito Berjangka/Time Deposits
Saham/Shares
Obligasi/Bonds
PT Bank Pembangunan Daerah Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Jawa Barat dan Banten Tbk Government - related entities Deposito Berjangka/Time Deposits
Obligasi/Bonds
Pinjaman diterima/Borrowings
PT Bank Syariah Indonesia Tbk Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Government - related entities Deposito Berjangka/Time Deposits
Obligasi/Bonds
PT Bank Negara Indonesia Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
(Persero) Tbk Government - related entities Deposito Berjangka/Time Deposits
Saham/Shares
Obligasi/Bonds
Reksa dana/Mutual Fund
PT Bank Mandiri (Persero) Tbk Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Government - related entities Deposito Berjangka/Time Deposits
Saham/Shares
Obligasi/Bonds
Reksa dana/Mutual Fund
Pinjaman diterima/Borrowings
PT Bank DKI Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Government - related entities Deposito Berjangka/Time Deposits
PT Telkom Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities Obligasi/Bonds
PT Aneka Tambang (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Wijaya Karya (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
PT Semen Gresik (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Indocement Tunggal Entitas berelasi dengan Pemerintah/ Saham/Shares
Prakarsa Tbk Government - related entities
PT Waskita Karya (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities Obligasi/Bonds
PT Bukit Asam Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pihak-pihak berelasi/ Sifat hubungan/ Sifat dari transaksi/
Related parties Nature of relationship Nature of transaction
PT Jasa Marga (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities Obligasi/Bonds
PT Adhi Karya (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Wijaya Karya Beton Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Timah Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities Obligasi/Bonds
PT Pembangunan Perumahan Entitas berelasi dengan Pemerintah/ Saham/Shares
(Persero) Tbk Government - related entities
PT Waskita Beton Precast Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Mayora Indah (Persero) Tbk Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Kereta Api Indonesia Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
(Persero) Tbk Government - related entities
PT Perusahaan Listrik Negara Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
(Persero) Government - related entities Premium and cession receivable
Obligasi/Bonds
PT Pupuk Indonesia (Persero) Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Sarana Multigriya Finansial Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
(Persero) Government - related entities
PT Marga Lingkar Jakarta Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Angkasa Pura II (Persero) Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Bank Mandiri Taspen Entitas berelasi dengan Pemerintah/ Kas dan Setara Kas/Cash and Cash Equivalent
Government - related entities Obligasi/Bonds
PT Bank Pembangunan Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Daerah Sumatera Utara Government - related entities
PT Sarana Multi Infrastruktur Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Semen Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities Obligasi/Bonds
Perusahaan Umum Pembangunan Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Perumahan Nasional Government - related entities
PT Pelabuhan Indonesia (Persero) Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities Utang Klaim/Claim Payable
PT Permodalan Nasional Madani Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities Reksa dana/Mutual Fund
PT Bank Ekspor Impor Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Indonesia (Persero) Government - related entities
PT Pegadaian (Persero) Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
PT Bahana TCW Entitas berelasi dengan Pemerintah/ Reksa dana/Mutual Fund
Investment Management Government - related entities
PT Danareksa Entitas berelasi dengan Pemerintah/ Reksa dana/Mutual Fund
Investment Management Government - related entities
PT Semen Padang Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities
PT Berlian Jasa Terminal Indonesia Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities
PT Pupuk Kalimantan Timur Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Petrokimia Gresik Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Pupuk Sriwidjaja Palembang Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Pupuk Iskandar Muda Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Pupuk Kujang Cikampek Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Citilink Indonesia Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Patra Logistik Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
40. Informasi Tambahan Arus Kas 40. Additional Cash Flows Information
a. Penambahan pada liabilitas yang timbul Changes in liabilities arising from financing
dari aktifitas pendanaan pada laporan activities in the cash flow statement are as
arus kas adalah sebagai berikut: follows:
1 Januari/ Arus kas masuk/ Arus kas keluar/ Perubahan non kas/ 31 Desember/
January 1, 2024 Cash flow in Outgoing cash flow Non-cash changes December 31, 2024
Liabilitas sewa 6,194,693 -- (6,079,883) 24,452,515 24,567,325 Lease liabilities
Pinjaman diterima 296,149,553 379,580,927 (148,655,251) -- 527,075,229 Borrowings
Utang pembiayaan konsumen Consumer finance
dan sewa pembiayaan 45,513,893 -- (19,224,102) 91,525,993 117,815,784 and leases payables
1 Januari/ Arus kas masuk/ Arus kas keluar/ Perubahan non kas/ 31 Desember/
January 1, 2023 Cash flow in Outgoing cash flow Non-cash changes December 31, 2023
Liabilitas sewa 2,917,784 -- (3,440,371) 6,717,280 6,194,693 Lease liabilities
Pinjaman diterima 121,346,712 246,288,544 (71,485,703) -- 296,149,553 Borrowings
Utang pembiayaan konsumen Consumer finance
dan sewa pembiayaan 68,616,376 -- (28,381,164) 5,278,681 45,513,893 and leases payables
Utang dividen -- -- (244,362,381) 244,362,381 -- Dividend payable
b. Pengungkapan tambahan atas aktivitas Supplemental disclosures on non-cash
investasi non kas: investing activities:
2024 2023
Rp Rp
Perolehan aset tetap Addition of Fixed Assets
melalui utang usaha 91,525,993 88,791,286 through account payables
41. Manajemen Risiko Asuransi 41. Insurance Risk Management
Risiko asuransi Insurance risk
Risiko utama yang dihadapi Grup terkait The principal risk the Group faces under
dengan kontrak asuransi adalah perbedaan insurance contracts is the difference between
antara jumlah klaim yang terjadi, klaim yang actual claims, claim payments and claim dates
dibayarkan dan waktu terjadinya klaim compared to the ones predicted previously.
dengan yang diprediksikan sebelumnya. Hal This is influenced by the frequency, severity of
ini dipengaruhi oleh frekuensi, tingkat claims, actual claim paid and subsequent
keparahan (severity) dari klaim, klaim aktual development of long-term claims. Therefore,
yang dibayarkan, dan perkembangan dari the objective of the Group is to ensure that
klaim jangka panjang. Oleh karena itu, sufficient reserves are made to cover those
tujuan Grup adalah untuk memastikan liabilities.
bahwa cadangan yang dibentuk cukup untuk
memenuhi semua liabilitas tersebut.
Eksposur risiko yang terkait dengan kontrak The risk exposure related to insurance
asuransi dapat dimitigasi dengan melakukan contracts is mitigated by diversification of
diversifikasi portofolio kontrak asuransi. insurance contracts portfolio. The variability of
Keberagaman risiko diperbaiki juga melalui risks is also improved by prudent risks
pemilihan risiko dengan hati-hati dan selection and implementation of underwriting
implementasi dari pedoman underwriting strategy guidelines, as well as reinsurance
serta pengaturan program reasuransi. program arrangements.
Sebagai bagian dari program mitigasi risiko, As part of its risks mitigation program, the
Grup mempunyai proteksi reasuransi yang Group holds reinsurance protection, which is
dialokasikan secara proporsional maupun ceded both proportionally and non-
non-proporsional. Sebagian besar proportionally. The majority of proportional
reasuransi proporsional adalah reasuransi reinsurance is quota share reinsurance with
quota share yang bertujuan untuk the purpose of reducing the risks exposure of
mengurangi eksposur risiko Grup ke the Group to certain line of business. Whilst
beberapa lini bisnis tertentu. Sedangkan for non-proportional reinsurance is primarily
133
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
reasuransi non-proporsional kebanyakan excess of loss reinsurance designed to
adalah reasuransi excess of loss yang mitigate the Group’s net exposure to
dibentuk untuk memitigasi eksposur neto catastrophic losses. Retention limits for
Grup terhadap kerugian katastropik. Limit excess of loss reinsurance varies depending
retensi untuk reasuransi excess of loss on the product line and territory covered.
berbeda-beda tergantung pada jenis produk
dan wilayah penutupan.
Jumlah ganti rugi yang diperoleh dari Amounts recoverable from the reinsurers are
reasuransi dihitung secara konsisten dengan estimated consistently with the outstanding
perhitungan cadangan klaim yang belum claims reserves calculation and in accordance
dibayar dan sesuai dengan kontrak with the agreed upon reinsurance contracts.
reasuransi yang disepakati. Meskipun Grup Although the Group has reinsurance
memiliki program reasuransi, Grup tidak arrangements, it is not relieved from its direct
terbebas dari kewajiban langsungnya obligations to its policyholders. There are still
kepada pemegang polis. Masih terdapat potential credit risks related to the reinsurers if
risiko kredit yang potensial terkait dengan they are unable to meet their obligations
pihak reasuradur jika tidak dapat memenuhi assumed under such reinsurance
kewajibannya sebagaimana ditetapkan agreements. The Group diversified its
dalam kontrak reasuransi. Grup melakukan reinsurance placement as such so to avoid
diversifikasi pada penempatan any disruption in its operation.
reasuransinya sedemikian rupa sehingga
tidak menggangu kegiatan operasional.
Grup tidak tergantung pada satu reasuradur The Group is not significantly dependent upon
ataupun satu kontrak reasuransi tertentu any single reinsurer or reinsurance contract.
secara signifikan.
Jenis kontrak asuransi kerugian Grup yang The Group principally issues the following
utama adalah polis asuransi pengangkutan, types of insurance contracts: marine cargo,
penerbangan, rangka kapal, offshore, aviation, marine hull, offshore, onshore, fire,
onshore, kebakaran, rekayasa, dan lain-lain. engineering, and miscellaneous. Risks
Risiko-risiko yang ditutup oleh polis asuransi covered by loss insurance policies normally
kerugian biasanya berjangka waktu dua have duration of twelve months.
belas bulan.
Paparan risiko di atas dimitigasi dengan The risk exposure above is mitigated by
melakukan diversifikasi portofolio kontrak diversification across a large portfolio of
asuransi dalam jumlah besar dan insurance contracts and risks characteristics.
karakteristik risiko. Variabilitas risiko The variability of risks is improved by prudent
diperbaiki dengan melakukan pemilihan risks selection and implementation of
risiko secara hati-hati dan implementasi dari underwriting strategies, which are designed to
strategi underwriting, yang dibuat untuk ensure that risks are diversified in terms of
memastikan bahwa risiko telah type of risk and level of benefits to the
terdiversifikasi baik menurut jenis risiko insured. This is largely achieved through
maupun tingkat manfaat yang diberikan ke diversification across industry sectors and
tertanggung. Hal tersebut dapat dicapai geography.
dengan melakukan diverisifikasi sektor
industri dan geografis.
Kebijakan kajian klaim yang ketat, baik Prudent claim review policies for new or
terhadap perhitungan klaim baru maupun ongoing claims, regular detailed review of
yang sedang terjadi, kajian detail terhadap claims handling procedures and routine
prosedur penanganan klaim secara berkala investigation on possibility of fraudulent claims
dan investigasi rutin terhadap kemungkinan are the policies and procedures put in place to
kecurangan dalam klaim asuransi reduce the Group’s risks exposure. The Group
merupakan kebijakan dan prosedur yang further enforces to actively manage and
ditetapkan untuk menurunkan eksposur promptly follows up claims, in order to reduce
risiko Grup. Grup juga menerapkan its risks to unpredictable developments that
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kebijakan untuk secara aktif mengelola dan can negatively impact the business. In
menindaklanjuti klaim agar menurunkan projecting its insurance contract’s liabilities,
risiko terhadap perkembangan yang tidak the Group has taken into account expected
terprediksi yang berdampak negatif bagi inflation to mitigate any inflation risk.
bisnis. Di dalam memproyeksikan liabilitas
kontrak asuransi Grup, Grup telah
memasukkan asumsi tingkat inflasi untuk
memitigasi risiko inflasi.
Grup juga menekan penyebaran risiko The Group also suppressed the risk
dengan menetapkan nilai maksimum klaim expansion by imposing maximum claim limit
untuk kontrak asuransi tertentu dan for certain insurance risks and preparing
menyusun program reasuransi untuk reinsurance arrangements as to limit its risks
membatasi risiko terhadap eksposur on catastrophic exposure, such as damages
katastropik, seperti kerusakan akibat badai, from hurricanes, earthquake and floods.
gempa bumi dan banjir.
Tujuan dari strategi underwriting dan The purpose of these underwriting and
reasuransi ini adalah untuk membatasi reinsurance strategies is to limit exposure to
eksposur risiko katastropik, yang didasarkan catastrophies based on the Group’s risk
pada tingkat toleransi Grup terhadap risiko appetite as decided by Management. The
sesuai dengan arahan Manajemen. Tujuan overall aim is currently to suppress the impact
utamanya adalah untuk menekan dampak of a single catastrophic event to approximately
dari kejadian katastropik tunggal hingga 50% equity on gross basis and 10% on net
mendekati 50% dari ekuitas secara kotor basis.
dan 10% secara neto.
Pada kejadian katastropik, eksposur untuk In the catastrophic event, the exposure to a
satu reasuradur diproyeksikan tidak lebih single reinsurer is estimated not to exceed 2%
dari 2% dari ekuitas. Manajemen dapat of the equity. The Management may decide to
memutuskan untuk meningkatkan atau increase or decrease the maximum limit
menurunkan tingkat toleransi maksimum based on market conditions and other factors.
berdasarkan kondisi pasar atau faktor
lainnya.
Tabel berikut ini menyajikan konsentrasi The following table presents the concentration
liabilitas kontrak asuransi yang terdiri atas of insurance contract liabilities which consist
estimasi klaim dan cadangan premi yang of estmated claims and unearned premium
belum merupakan pendapatan dan liabilitas reserves and liability for future policy benefits
manfaat polis masa depan berdasarkan jenis by type of contract:
kontrak:
31 Desember/December 31, 2024
Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net
Kebakaran 5,304,085,031 (3,935,728,672) 1,368,356,359 Fire
Rangka kapal 814,920,171 (488,040,229) 326,879,942 Marine hull
Rekayasa 1,689,569,991 (1,430,801,728) 258,768,263 Engineering
Onshore 452,628,092 (279,563,055) 173,065,037 Onshore
Offshore 899,319,934 (757,303,104) 142,016,830 Offshore
Pengangkutan 192,284,183 (83,991,626) 108,292,557 Marine cargo
Penerbangan 730,297,539 (672,597,204) 57,700,335 Aviation
Lainnya 2,088,009,255 (375,778,946) 1,712,230,309 Miscellaneous
Jumlah 12,171,114,196 (8,023,804,564) 4,147,309,632 Total
135
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net
Kebakaran 4,567,605,758 (3,418,749,243) 1,148,856,515 Fire
Rangka kapal 863,920,979 (544,931,473) 318,989,506 Marine hull
Rekayasa 1,303,539,081 (1,054,411,690) 249,127,391 Engineering
Pengangkutan 207,861,119 (88,831,128) 119,029,991 Marine cargo
Offshore 655,643,608 (558,901,611) 96,741,997 Offshore
Penerbangan 910,910,328 (824,012,539) 86,897,789 Aviation
Onshore 144,897,291 (90,600,745) 54,296,546 Onshore
Lainnya 2,493,156,857 (681,621,181) 1,811,535,676 Miscellaneous
Jumlah 11,147,535,021 (7,262,059,610) 3,885,475,411 Total
42. Manajemen Risiko Keuangan 42. Financial risk Management
Asumsi utama Main assumptions
Asumsi utama yang menjadi dasar dalam The principal assumption in calculating the
perhitungan estimasi kewajiban klaim yaitu claim Reserve estimations is that the Group’s
bahwa pembentukan klaim masa depan future claims development will follow a similar
Grup akan memiliki pola yang sama dengan pattern to historical claims development.
pembentukan klaim yang terjadi di masa Additional qualitative judgments are used to
lampau. Pertimbangan kualitatif tambahan assess the extent to which historical trends
digunakan untuk memperkirakan tingkat di may not apply in the future, for example:
mana tren masa lampau tidak akan terulang specific one-off occurrence, changes in
lagi di masa depan, misalnya; kejadian market factors such as public attitude to
khusus yang hanya terjadi sekali, perubahan insurance claims, economic conditions, as
yang terjadi di pasar seperti sikap well as internal factors such as portfolio mix,
masyarakat terhadap klaim, kondisi ekonomi policy terms and conditions, and claims
maupun faktor internal seperti campuran handling procedures.
portofolio, syarat dan ketentuan polis, dan
prosedur penanganan klaim.
Analisis sensitivitas Sensitivity analysis
Pertimbangan lebih lanjut digunakan untuk Further justification is required to assess the
menghitung tingkat di mana faktor eksternal extent to which external factors such as
seperti keputusan peradilan dan peraturan judicial decisions and government regulations
pemerintah yang memengaruhi estimasi affect the claim estimates.
besaran klaim.
Kondisi utama yang memengaruhi Other key conditions affecting the reliability of
keandalan dari asumsi yang digunakan the assumption used are loss ratio, delay in
adalah rasio kerugian, keterlambatan dalam settlement and changes in foreign currency
penyelesaian dan perubahan nilai tukar mata exchange rates.
uang asing.
Estimasi klaim sensitif terhadap asumsi Estimated claims are sensitive to the key
utama yang mengikuti. Analisis berikut assumptions that follow. The following
dilakukan untuk perubahan yang mungkin analysis is performed for reasonably possible
terjadi pada asumsi utama dengan semua movements in key assumptions with all other
asumsi lainnya tetap konstan, yang assumptions held constant, showing the
menunjukkan pengaruh terhadap laba impact on income before income tax expense
sebelum beban pajak penghasilan Grup of the Group (unaudited):
(tidak diaudit):
136
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengaruh
terhadap laba
Perubahan sebelum pajak/
persentase/ Impact on
Percentage income before
change tax expense
31 Desember 2024 December 31, 2024
Perseroan The Company
Rasio klaim +/-5% +-19.061.751 Claim ratio
31 Desember 2023 December 31, 2023
Perseroan The Company
Rasio klaim +/-5% +-12.803.438 Claim ratio
Aktivitas Grup mengandung berbagai The Group’s activities expose it to a variety of
macam risiko keuangan: risiko nilai tukar financial risks: foreign exchange risk, credit
mata uang asing, risiko kredit dan risiko risk and liquidity risk. The core functions of the
likuiditas. Fungsi utama dari manajemen Group’s risk management are to identify all
risiko Grup adalah untuk mengidentifikasi key risks for the Group, measure these risks,
seluruh risiko kunci, mengukur risiko manage the risk positions and determine
tersebut, mengelola posisi risiko dan capital allocations. The Group regularly
menentukan alokasi modal. Grup secara reviews its risk management policies and
rutin menelaah kebijakan dan sistem systems to reflect changes in market,
manajemen risiko untuk menyesuaikan products and best market practice.
dengan perubahan di pasar, produk, dan
praktek pasar terbaik.
Risiko pasar Market risk
Risiko nilai tukar mata uang asing Foreign exchange risk
Grup menghadapi risiko nilai tukar mata The Group is exposed to foreign currency risk
uang asing sehubungan dengan aset dan in connection with monetary asset and
liabilitas moneter yang diakui dalam mata liabilites which are recognize in different
uang yang berbeda dengan mata uang currency with the entity’s functional currency.
fungsional entitas yang bersangkutan.
Volatilitas yang timbul dari perubahan nilai The volatility arising from changes in foreign
tukar mata uang asing umumnya dikelola currency exchange rates is generally
dengan mencocokkan liabilitas dan aset managed by matching liabilities and assets
dengan nilai tukar yang sama sehingga with the same exchange rates so as to ensure
memastikan bahwa setiap eksposur mata that any foreign currency exposure is
uang asing diminimalkan. Liabilitas asuransi minimized. The insurance liabilities and other
dan liabilitas Grup lainnya dalam mata uang liabilities of the Group that are denominated in
asing yang utama adalah dalam Dolar AS foreign currencies are primarily in US Dollar
yang akan dicocokkan dengan aset dalam which are matched by assets in Rupiah thus
Rupiah sehingga mengurangi risiko mata reducing currency risk.
uang asing.
Tabel di bawah ini mengikhtisarkan aset dan The table below summarized the Group’s
liabilitas keuangan yang menghadapi risiko financial assets and liabilities which are
nilai tukar mata uang asing: exposed to foreign exchange risk:
137
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2024
Lain-lain/
USD) HKD) GBP) Others)
Aset keuangan Financial assets
Kas dan bank 125,872,632 63,489 -- 2,281,827 Cash on hand and in banks
Deposito berjangka 577,803,184 61,347,519 -- 1,211,373 Time deposits
Efek-efek Marketable securities
- Obligasi 451,442,569 -- -- -- Bonds -
- Saham -- 56,216,220 -- -- Shares -
Piutang premi dan reasuransi 1,146,602,829 13,203,649 -- 97,727,988 Premium and cession receivables
Piutang reasuransi Reinsurance and
retrosesi 363,673,541 -- -- 90,334,314 retrocession receivables
Piutang koasuransi 192,606,873 -- -- 2,004,531 Coinsurance receivables
Jumlah 2,858,001,628 130,830,877 -- 193,560,033 Total
Liabilitas keuangan Financial liabilities
Utang reasuransi dan retrosesi 1,568,820,029 4,914,511 -- 54,180,702 Reinsurance and retrocession payables
Utang koasuransi 36,436,834 1,181 6,711 163,893 Coinsurance payables
Utang komisi 65,540,840 -- 68,282 627,953 Commission payables
Utang klaim 49,417,319 5,298,513 131,868 36,032,426 Claim payables
Jumlah 1,720,215,022 10,214,205 206,861 91,004,974 Total
Jumlah - Neto 1,137,786,606 120,616,672 (206,861) 102,555,059 Total - Net
31 Desember/December 31, 2023
Lain-lain/
USD) HKD) GBP) Others)
Aset keuangan Financial assets
Kas dan bank 264,083,847 105,983 692,537 2,401,079 Cash on hand and in banks
Deposito berjangka 739,379,967 120,400,056 19,560,970 25,555,476 Time deposits
Efek-efek Marketable securities
- Obligasi 370,013,349 -- -- -- Bonds -
- Saham -- 49,883,078 -- -- Shares -
Piutang premi dan reasuransi 1,476,841,885 12,099,146 -- 19,659,469 Premium and cession receivables
Piutang reasuransi dan retosesi Reinsurance and
retrosesi 575,493,106 7,935,025 -- 33,287,927 retrocession receivables
Piutang koasuransi 415,404,349 -- -- 363,456 Coinsurance receivables
Jumlah 3,841,216,503 190,423,288 20,253,507 81,267,407 Total
Liabilitas keuangan Financial liabilities
Utang reasuransi dan retrosesi 1,641,246,425 10,331,745 -- 112,154,477 Reinsurance and retrocession payables
Utang koasuransi 18,665,896 7,058 15,293 1,120 Coinsurance payables
Utang komisi 25,891,820 -- -- 373,110 Commission payables
Utang klaim 47,173,806 1,776,190 108,719 6,977,915 Claim payables
Jumlah 1,732,977,947 12,114,993 124,012 119,506,622 Total
Jumlah - Neto 2,108,238,556 178,308,295 20,129,495 (38,239,215) Total - Net
Sensitivitas Grup terhadap mata uang asing The Group's sensitivity on foreign currencies
diperhitungkan dengan menggunakan is determined using the Net Open Position
informasi Posisi Devisa Neto yang that translated into the Group's functional
information ditranslasikan ke dalam mata currency which is Rupiah.
uang fungsional Grup, yaitu Rupiah.
Pengaruh pada laba rugi sebelum pajak/
Impact on profit loss before tax
Peningkatan/ Penurunan/
Increase by Decrease by
5% 5%
31 Desember 2024 82,974,904 (82,974,904) December 31, 2024
31 Desember 2023 67,661,224 (67,661,224) December 31, 2023
Risiko tingkat bunga Interest rate risk
Risiko tingkat bunga adalah risiko yang Interest rate risk is risk relating primarily to
timbul dari fluktuasi suku bunga pasar atas fluctuation of interest rate on interest- earning
aset dan liabilitas keuangan. Manajemen financial assets and liabilities. The
mengelola risiko tersebut dengan cara Management manages the exposure by
membentuk komite investasi untuk closely monitoring the portfolio of investment
mengawasi secara seksama dan through the setup of investment committee to
mengembangkan portofolio investasi. diversify the investment portfolio.
Pada tanggal 31 Desember 2024 dan 2023 As of 31 December 31, 2024 and 2023, most
sebagian besar aset keuangan dan liabilitas of the Group’s financial assets and financial
keuangan Grup adalah tidak dikenakan liabilities are non-interest bearing or fixed
bunga atau berbunga tetap. interest rate.
138
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Instrumen dengan tingkat suku bunga Floating rate instruments expose the Group to
mengambang menimbulkan risiko arus kas cash flow interest rate risk whereas fixed
tingkat suku bunga terhadap arus kas, interest rate instruments expose the Group to
sedangkan instrumen dengan tingkat suku fair value interest rate risk.
bunga tetap menimbulkan risiko nilai wajar
tingkat suku bunga terhadap Grup.
Analisis sensitivitas di bawah ini ditentukan The sensitivity analysis below had been
berdasarkan eksposur suku bunga terhadap determined based on the exposure of the
aset keuangan dan liabilitas keuangan yang financial asset and financial liabilities to
menggunakan suku bunga mengambang floating interest rates as of December 31,
pada 31 Desember 2024 dan 2023. Analisis 2024 and 2023. The analysis is prepared
ini disajikan dengan asumsi saldo aset assuming the amount of financial assets and
keuangan dan liabilitas keuangan pada akhir financial liabilities outstanding at the end of
periode pelaporan masih beredar sepanjang the reporting period was outstanding for the
tahun. whole year.
Jika suku bunga mengalami perubahan 100 If the interest rate had been 100 basis points
basis poin lebih tinggi (rendah) dan variabel higher (lower) and the other variable held
lain konstan, laba sebelum pajak Grup pada constant, the Group profit before tax as of
31 Desember 2024 dan 2023 akan December 31, 2024 and 2023 would increase
mengalami peningkatan (penurunan) (decrease) by Rp15.192.137 and
masing-masing sebesar Rp15.192.137 dan Rp28,554,099, respectively.
Rp28.554.099.
Risiko harga Price risk
Grup menghadapi risiko harga yang berasal The Group is exposed to price risk because of
dari investasi dalam efek-efek yang tersedia investment in available-for-sale marketable
untuk dijual yang memengaruhi bagian securities that has impact in equity section
ekuitas, dan efek-efek yang diukur pada nilai and investment in fair value through profit or
wajar melalui laba rugi yang memengaruhi loss that has impact in the consolidated profit
laba rugi konsolidasian. or loss.
Grup tidak melakukan lindung nilai terhadap The Group does not hedge available-for-sale
investasi tersedia untuk dijual dan investasi investments and fair value through profit or
diukur pada nilai wajar melalui laba rugi. loss investment. The performance of the
Kinerja investasi kategori tersedia untuk Group’s available-for-sale investments are
dijual Grup dimonitor secara periodik, monitored periodically, together with a regular
bersamaan dengan pengujian relevansi assessment of their relevance to the Group’s
instrumen investasi tersebut terhadap long term strategic plans.
rencana strategis jangka panjang Grup.
Risiko likuiditas Liquidity risk
Grup terekspos atas kegiatan harian atas The Group is exposed to daily calls on its
ketersediaan sumber kas terutama dari available cash resources mainly from claims
klaim-klaim yang terjadi atas kontrak arising from short-term insurance contract.
asuransi jangka pendek. Risiko likuiditas Liquidity risk is the risk that cash may not be
adalah risiko dimana kas tidak tersedia untuk available to pay obligation when due. This risk
memenuhi liabilitas di saat jatuh tempo. has been minimized by managing the maturity
Risiko ini diminimalisasi dengan mengelola profile of financial liabilities and ensuring the
profil jatuh tempo liabilitas keuangan dan availability of funding from matured premium
memastikan tersedianya pendanaan dari receivable and investment portfolio and taking
sejumlah piutang premi dan investasi yang time deposits as the Group major investment.
jatuh tempo serta memiliki deposito
berjangka sebagai investasi terbesar Grup.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Sebagian besar ketersediaan dana Grup Most of the Group available funds are placed
ditempatkan pada deposito berjangka yang in time deposit spread over various maturity
tersebar dalam berbagai tanggal jatuh tempo dates within a period. The policy of keeping
di dalam periode berjalan. Kebijakan untuk investment in liquid funds helps to meet any
menjaga investasi pada dana yang likuid unexpected liquidity requirement.
dapat membantu kebutuhan likuiditas yang
tidak terduga.
Tabel di bawah ini menunjukan sisa jatuh The table below shows the remaining
tempo kontraktual dari liabilitas keuangan contractual maturities of the Group’s financial
Grup. liabilities.
31 Desember/December 31, 2024
Kurang dari Lebih dari
1 tahun/ 1 tahun/
Less than More than Jumlah/
1 year 1 year Total
Liabilitas keuangan Financial liabilities
Utang reasuransi dan retrosesi 1,448,677,515 386,349,666 1,835,027,181 Reinsurance and retrocession payables
Utang komisi 57,217,856 38,924,468 96,142,324 Commission payables
Utang klaim 155,449,063 -- 155,449,063 Claim payables
Utang koasuransi 69,516,820 22,075,824 91,592,644 Coinsurance payables
Beban akrual 289,696,846 -- 289,696,846 Accrued expenses
Utang lain-lain 251,399,834 -- 251,399,834 Other payables
Pinjaman diterima 79,626,066 447,449,163 527,075,229 Borrowings
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 48,820,107 68,995,677 117,815,784 leases payables
Jumlah 2,400,404,107 963,794,798 3,364,198,905 Total
31 Desember/December 31, 2023
Kurang dari Lebih dari
1 tahun/ 1 tahun/
Less than More than Jumlah/
1 year 1 year Total
Liabilitas keuangan Financial liabilities
Utang reasuransi dan retrosesi 1,641,695,843 250,037,544 1,891,733,387 Reinsurance and retrocession payables
Utang komisi 33,414,896 10,154,225 43,569,121 Commission payables
Utang klaim 313,786,300 -- 313,786,300 Claim payables
Utang koasuransi 57,307,331 16,254,895 73,562,226 Coinsurance payables
Beban akrual 290,477,838 -- 290,477,838 Accrued expenses
Utang lain-lain 270,437,331 -- 270,437,331 Other payables
Pinjaman diterima 79,626,066 216,523,487 296,149,553 Borrowings
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 28,508,539 17,005,354 45,513,893 leases payables
Jumlah 2,715,254,144 509,975,505 3,225,229,649 Total
Risiko investasi Investment risk
Risiko investasi adalah risiko yang mungkin Investment risk is the risk that may occur due
terjadi karena penempatan dana untuk to the placement of funds for investment
tujuan investasi antara lain berupa: purposes, such as:
- Risiko fluktuasi harga saham di bursa. - The risk of stock price fluctuations.
- Risiko tidak dapat ditariknya kembali dana - The risk that funds placed by the
yang ditempatkan akibat Perseroan Company can not be withdrawn because
dimana dana tersebut ditempatkan tidak institutions in which the funds were
dapat melakukan pembayaran kembali. placed cannot make the repayment.
Grup menempatkan dana investasi pada The Group places invesment funds in
instrumen investasi berupa deposito, investment instruments in the form of
obligasi, reksa dana, saham di pasar modal, deposits, bonds, mutual funds, shares in the
penyertaan langsung, maupun investasi capital market, direct investment, or
berupa surat utang jangka menengah. investment in the form of medium term notes.
Dalam pengendalian risiko, Grup In controlling the risks, the Group adheres to
berpedoman pada ketentuan pemerintah government regulations relating to the
mengenai kesehatan keuangan perusahaan financial health of the insurance and
asuransi dan reasuransi yang tercantum reinsurance companies stated in the
dalam Peraturan Otoritas Jasa Keuangan Regulation of Authority of Financial Service
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
No.71/POJK.05/2016 untuk konvensional No.71/POJK.05/2016 for conventional and
dan No.72/POJK.5/2016 untuk syariah yang No.72/POJK.5/2016 for sharia which, among
antara lain mengatur jenis investasi yang others, regulates the types of investments
diperkenankan. allowed.
Risiko kredit Credit risk
Grup terekspos atas risiko kredit dimana The Group is exposed to credit risk which is
terdapat kemungkinan terjadinya penurunan the possibility that the value of receivable or
nilai atas piutang atau aset keuangan other financial assets being impaired because
lainnya yang dikarenakan pihak ketiga tidak the counterparties cannot meet their payment
dapat memenuhi pembayaran atau liabilitas or other performance obligations.
lainnya.
Reasuransi dilakukan untuk mengelola risiko Reinsurance is issued to manage insurance
asuransi. Hal ini tidak menghilangkan risk. This does not discharge the Group’s
liabilitas Grup sebagai penjamin utama liability as primary insurer in which if reinsurer
apabila reasuradur tidak mampu membayar fails to pay a claim for any reason whatsoever,
klaim dengan alasan apapun, Grup tetap the Group remains liable for the payment to
mempunyai liabilitas atas pembayaran the policyholder. The creditworthiness of
kepada pemegang polis. Kredibilitas para reinsurers is considered on an annual basis
reasuradur dipertimbangkan setiap tahun by reviewing their financial strength prior to
dengan memeriksa kekuatan keuangan finalisation of any contract.
sebelum finalisasi dari setiap kontrak.
Komite manajemen risiko menilai kredibilitas The Risk management committee assesses
dari setiap reasuradur dan perantara dengan the creditworthiness of all reinsurers and
memeriksa nilai kredit yang disediakan oleh intermediaries by reviewing credit grade
biro penilai dan informasi keuangan publik provided by rating agencies and other publicly
lainnya. Komite juga memeriksa rincian available financial information. The committee
pembayaran historis dan status dari setiap also reviews details of recent payment history
negosiasi antara Grup dan pihak ketiga. and the status of any ongoing negotiations
Informasi ini digunakan untuk between the Group and these third parties.
memperbaharui strategi kerjasama This information is used to update the
reasuradur apabila diperlukan. reinsurance purchasing strategy whenever
necessary.
Grup mengelola catatan pembayaran dari The Group maintains a record of the payment
pemegang kontrak yang signifikan dimana history for significant contract holders with
Grup melakukan bisnis yang konstan. whom they conduct regular business.
Paparan atas pemegang polis perorangan Exposure to individual and group policy
dan grup dikumpulkan di dalam proses holders is collected within ongoing monitoring
pengawasan berkelanjutan dalam laporan control in a weekly report.
mingguan.
Dalam investasi keuangan, Grup hanya In financial investment, the Group is engaging
melakukan transaksi dengan rekan bisnis in transactions only with business partners
dan bank yang memiliki nilai dan/atau and banks with good ratings and/or reputation.
reputasi yang baik. Saldo bank ditempatkan Bank balances are placed in various banks
pada berbagai bank dengan kondisi with strong financial positions. The Group
keuangan yang sehat. Grup beranggapan considers the credit risk of such banks is low.
bahwa risiko kredit atas setiap bank tersebut
rendah.
Tabel di bawah ini menggambarkan The tables below describe the Group’s
eksposur maksimum risiko kredit dan maximum credit risk exposure and risk
konsentrasi risiko yang dimiliki Grup pada concentration as of December 31, 2024 and
tanggal 31 Desember 2024 dan 2023. 2023. The maximum exposure is recorded
141
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Eksposur maksimum dicatat berdasarkan based on net carrying value recorded in
nilai tercatat neto yang dilaporkan di laporan consolidated statement of financial position.
posisi keuangan konsolidasian.
31 Desember/December 31, 2024
Eksposur
maksimum/
Korporasi/ Pemerintah/ Maximum
Corporate Government exposure
Aset keuangan Financial assets
Kas di bank 147,418,386 210,581,934 358,000,320 Cash on hand and in banks
Deposito berjangka 442,153,259 1,718,686,868 2,160,840,127 Time deposits
Efek-efek Marketable securities
- Obligasi 513,705,624 6,106,818,761 6,620,524,385 Bonds -
- Saham 148,903,615 118,457,257 267,360,872 Shares -
- Reksadana 651,328,250 301,502,007 952,830,257 Mutual funds -
Penyertaan langsung 28,019,206 -- 28,019,206 Direct participation
Piutang premi dan sesi 1,025,253,421 653,169,549 1,678,422,970 Premium and cession receivables
Piutang koasuransi 172,282,743 34,673,218 206,955,961 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 494,343,510 103,734,302 598,077,812 retrocession receivables
Piutang lain-lain 343,028,272 -- 343,028,272 Other receivables
Aset lain-lain 139,307,820 497,974,086 637,281,906 Other assets
4,105,744,106 9,745,597,982 13,851,342,088
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (365,890,748) losses
Neto 13,485,451,340 Net
31 Desember/December 31, 2023
Eksposur
maksimum/
Korporasi/ Pemerintah/ Maximum
Corporate Government exposure
Aset keuangan Financial assets
Kas di bank 234,749,322 303,107,902 537,857,224 Cash on hand and in banks
Deposito berjangka 531,190,486 2,548,909,034 3,080,099,520 Time deposits
Efek-efek Marketable securities
- Obligasi 376,102,319 4,547,337,890 4,923,440,209 Bonds -
- Saham 141,960,411 126,713,546 268,673,957 Shares -
- Reksadana 600,512,179 424,488,483 1,025,000,662 Mutual funds -
Penyertaan langsung 36,254,223 -- 36,254,223 Direct participation
Piutang premi dan sesi 1,251,663,070 684,887,484 1,936,550,554 Premium and cession receivables
Piutang koasuransi 295,951,080 143,420,266 439,371,346 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 540,170,471 215,002,738 755,173,209 retrocession receivables
Piutang lain-lain 273,065,267 -- 273,065,267 Other receivables
Aset lain-lain 230,264,366 146,269,248 376,533,614 Other assets
4,281,618,828 8,993,867,343 13,652,019,785
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (347,810,198) losses
Neto 13,304,209,587 Net
142
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Konsentrasi risiko kredit Grup berdasarkan The Group’s concentration of credit risk based
kualitas aset keuangan adalah sebagai on quality of financial assets are as follows:
berikut:
31 Desember/December 31, 2024
Belum Telah jatuh
jatuh tempo tempo
atau tidak tetapi tidak
mengalami mengalami
penurunan nilai/ penurunan Mengalami
Neither nilai/ penurunan
past due Past due but nilai/ Jumlah/
nor impaired not impaired Impaired Total
Aset keuangan Financial assets
Kas di bank 358,000,320 -- -- 358,000,320 Cash on hand and in banks
Deposito berjangka 2,160,840,127 -- -- 2,160,840,127 Time deposits
Efek-efek Marketable securities
- Obligasi 6,477,524,385 -- 143,000,000 6,620,524,385 Bonds -
- Saham 267,360,872 -- -- 267,360,872 Shares -
- Reksadana 932,830,257 -- 20,000,000 952,830,257 Mutual funds -
Penyertaan langsung 28,019,206 -- -- 28,019,206 Direct participation
Piutang premi dan sesi 1,090,548,066 526,302,255 61,572,649 1,678,422,970 Premium and cession receivables
Piutang koasuransi 105,202,180 87,070,865 14,682,916 206,955,961 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 84,977,886 401,045,079 112,054,847 598,077,812 retrocession receivables
Piutang lain-lain 335,086,216 -- 7,942,056 343,028,272 Other receivables
Aset lain-lain 630,643,626 -- 6,638,280 637,281,906 Other assets
12,471,033,141 1,014,418,199 365,890,748 13,851,342,088
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (365,890,748) losses
Neto 13,485,451,340 Net
31 Desember/December 31, 2023
Belum Telah jatuh
jatuh tempo tempo
atau tidak tetapi tidak
mengalami mengalami
penurunan nilai/ penurunan Mengalami
Neither nilai/ penurunan
past due Past due but nilai/ Jumlah/
nor impaired not impaired Impaired Total
Aset keuangan Financial assets
Kas di bank 537,857,224 -- -- 537,857,224 Cash on hand and in banks
Deposito berjangka 3,080,099,520 -- -- 3,080,099,520 Time deposits
Efek-efek Marketable securities
- Obligasi 4,777,724,746 -- 145,715,463 4,923,440,209 Bonds -
- Saham 268,673,957 -- -- 268,673,957 Shares -
- Reksadana 1,025,000,662 -- -- 1,025,000,662 Mutual funds -
Penyertaan langsung 36,254,223 -- -- 36,254,223 Direct participation
Piutang premi dan sesi 1,497,022,274 362,008,506 77,519,774 1,936,550,554 Premium and cession receivables
Piutang koasuransi 243,573,301 179,305,623 16,492,422 439,371,346 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 105,294,386 550,299,648 99,579,175 755,173,209 retrocession receivables
Piutang lain-lain 266,796,478 -- 6,268,789 273,065,267 Other receivables
Aset lain-lain 374,299,039 -- 2,234,575 376,533,614 Other assets
12,212,595,810 1,091,613,777 347,810,198 13,652,019,785
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (347,810,198) losses
Neto 13,304,209,587 Net
Nilai wajar instrumen keuangan Fair value of financial instruments
Semua aset keuangan yang diklasifikasikan All financial assets classified as loan and
ke dalam pinjaman yang diberikan dan receivables and financial liabilities at
piutang dan liabilitas keuangan yang diukur amortized cost have a short-term maturity,
melalui biaya yang diamortisasi mempunyai therefore, the carrying amount is a reasonable
jatuh tempo dalam jangka pendek, maka approximation of fair value. The fair value of
nilai tercatatnya merupakan perkiraan yang financial assets and liabilities classified at fair
layak atas nilai wajarnya. Nilai wajar untuk value through profit or loss and available-for-
aset dan liabilitas yang diukur melalui laba sale approximate their carrying amounts. The
rugi dan tersedia untuk dijual adalah sama fair value of financial assets held to maturity
dengan nilai tercatatnya. Untuk aset are approximate of the carrying value.
keuangan yang dimiliki hingga jatuh tempo
mendekati nilai tercatatnya.
143
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Aset dan liabilitas keuangan yang diukur Financial assets and liabilities measured at
pada nilai wajar menggunakan hierarki nilai fair value use the following fair value hierarchy
wajar sebagai berikut: of:
a. Tingkat 1 a. Level 1
Harga kuotasi (tidak disesuaikan) dalam Quoted prices (unadjusted) in active
pasar aktif untuk aset atau liabilitas yang markets for associated assets or liabilities;
terkait;
b. Tingkat 2 b. Level 2
Input selain harga kuotasi yang termasuk Inputs other than quoted prices included
dalam Tingkat 1 yang dapat diobservasi within Level 1 that are observable for the
untuk aset atau liabilitas, baik secara assets or liabilities, either directly (that is,
langsung (misalnya harga) maupun tidak as prices) or indirectly (that is, derived from
langsung (misalnya derivasi harga); dan prices); and
c. Tingkat 3 c. Level 3
Input untuk aset atau liabilitas yang Inputs for the assets or liabilities that are
bukan berdasarkan data pasar yang not based on observable market data
dapat diobservasi (unobservable input). (unobservable input).
Tabel berikut ini menunjukkan instrumen The following table show the financial
keuangan yang diukur pada nilai wajar yang instruments measured at fair value grouped
dikelompokkan berdasarkan hierarki nilai according to the fair value hierarchy:
wajar:
Nilai wajar/Fair value
Nilai tercatat/ Tingkat 1/ Tingkat 2/ Tingkat 3/
Carrying value Level 1 Level 2 Level 3
31 Desember 2024 December 31, 2024
Aset keuangan diukur nilai wajar: Financial assets measured at fair value:
Efek-efek Marketable securities
- Nilai wajar melalui laba rugi 503,151,361 503,151,361 -- -- Fair value through profit or loss -
- Tersedia untuk dijual 7,174,564,153 7,174,564,153 -- -- Available-for-sale -
Jumlah 7,677,715,514 7,677,715,514 -- -- Total
31 Desember 2023 December 31, 2023
Aset keuangan diukur nilai wajar: Financial assets measured at fair value:
Efek-efek Marketable securities
- Nilai wajar melalui laba rugi 399,000,152 399,000,152 -- -- Fair value through profit or loss -
- Tersedia untuk dijual 5,672,399,213 894,674,467 4,777,724,746 -- Available-for-sale -
Jumlah 6,071,399,365 1,293,674,619 4,777,724,746 -- Total
Tujuan Grup dalam mengelola The Group objective when managing capital is
permodalannya adalah untuk menjaga to safeguard the Group ability to continue as
kelangsungan usaha Grup untuk dapat going concern in order to provide returns for
memberikan hasil kepada pemegang saham shareholders and benefits for other
dan manfaat kepada stakeholders lainnya, stakeholders and to maintain an optimal
dan memelihara optimalisasi struktur capital structure to reduce the cost of
permodalan untuk mengurangi biaya operation.
operasional.
144
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
43. Rekonsiliasi Liabilitas yang Timbul dari 43. Reconciliation of Liabilities Arising From
Aktivitas Pendanaan Financing Activities
Perubahan kewajiban yang timbul dari Changes in liabilities arising from financing
aktivitas pendanaan: activities:
Tambahan modal Beban bunga dan
disetor/ Selisih kurs/
31 Desember/ Arus kas neto/ Sewa pembiayaan/ Additional paid Dividen/ Interest expense and/ 31 Desember/
December 31, 2023 Cash flows net leases in capital Dividend Exchange alignment December 31, 2024
Pinjaman yang diterima 296,149,553 230,925,676 -- -- -- -- 527,075,229 Borrowings payment
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 45,513,893 (19,224,102) -- -- -- 91,525,993 117,815,784 lease payable
Utang dividen -- -- -- -- (438,257,922) -- (438,257,922) Dividend payable
Liabilitas sewa 6,194,693 (6,079,883) 24,434,291 -- -- 18,224 24,567,325 Lease Liabilities
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 347,858,139 205,621,691 24,434,291 -- (438,257,922) 91,544,217 231,200,416 financing activities
Tambahan modal Beban bunga dan
disetor/ Selisih kurs/
31 Desember/ Arus kas neto/ Sewa pembiayaan/ Additional paid Dividen/ Interest expense and/ 31 Desember/
December 31, 2022 Cash flows net leases in capital Dividend Exchange alignment December 31, 2023
Pinjaman yang diterima 121,346,712 174,802,841 -- -- -- -- 296,149,553 Borrowings payment
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 68,616,376 (28,381,164) -- -- -- 5,278,681 45,513,893 lease payable
Utang dividen -- (244,362,381) -- (187,198,292) 431,560,673 -- -- Dividend payable
Liabilitas sewa 2,917,784 (3,440,371) 6,570,770 -- -- 146,510 6,194,693 Lease Liabilities
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 192,880,872 (101,381,075) 6,570,770 (187,198,292) 431,560,673 5,425,191 347,858,139 financing activities
44. Informasi Segmen 44. Segment Information
Informasi segmen berikut ini dilaporkan The following segment information is reported
berdasarkan informasi yang digunakan oleh based on the information used by
manajemen untuk mengevaluasi kinerja management in evaluating the performance of
setiap segmen dan menentukan alokasi each business segment and determining the
sumber daya. allocation of resources.
Segmen Usaha Business Segment
Grup mengklasifikasikan kegiatan usahanya The Group primarily classify their business
menjadi 4 (empat) segmen usaha utama, activities into 4 (four) which are major
yaitu, asuransi kerugian, reasuransi, sewa operating business segments, namely,
dan bisnis terkait, dan lainnya untuk general insurance, reinsurance, rental and
pelaporan segmen bisnisnya, sebagai related businesses, and others for its business
berikut: segment reporting, which are as follows:
31 Desember/December 31, 2024
Asuransi Sewa dan Jumlah
kerugian/ bisnis terkait/ Konsolidasi/
General Reasuransi/ Rental and Lain-lain/ Jumlah/ Eliminasi/ Total
Segmen usaha insurance Reinsurance related business Others Total Elimination Consolidated Business segments
PENDAPATAN REVENUES
Pendapatan premi neto 1,236,834,407 2,532,233,236 -- -- 3,769,067,643 (5,388,781) 3,763,678,862 Premium income net
Pendapatan (Beban) komisi neto 74,168,254 (889,945,867) -- -- (815,777,613) 22,357,986 (793,419,627) Commission income net
Pendapatan investasi 345,257,426 156,815,189 (77,003,397) 43,056,610 468,125,828 (24,838,914) 443,286,914 Investment income
Pendapatan usaha lainnya -- -- 416,971,594 91,739,680 508,711,274 11,138,863 519,850,137 Other operating revenue
Penghasilan neto dari Net revenues
pelanggan eksternal customers 1,656,260,087 1,799,102,558 339,968,197 134,796,290 3,930,127,132 3,269,154 3,933,396,286 from external
Penghasilan neto antar segmen -- -- -- -- -- -- -- Net revenues between segments
Jumlah pendapatan 1,656,260,087 1,799,102,558 339,968,197 134,796,290 3,930,127,132 3,269,154 3,933,396,286 Total revenues
Beban underwriting, neto (488,332,189) (1,548,320,975) -- -- (2,036,653,164) (11,016,650) (2,047,669,814) Net underwriting expenses
Beban usaha (523,867,833) (165,351,486) (25,872,622) (31,890,080) (746,982,021) (13,139,129) (760,121,150) Operating expenses
Beban usaha lainnya -- -- (258,759,472) (53,717,556) (312,477,028) 2,843,898 (309,633,130) Other operating expenses
Pendapatan (Beban) lain-lain, neto 119,006,638 27,796,017 (32,538,569) 2,370,652 116,634,738 (10,591,656) 106,043,082 Other expenses, net
Bagian laba bersih atas Share in assosiates
entitas asosiasi 11,366,384 -- -- -- 11,366,384 -- 11,366,384 net income
Laba sebelum beban pajak final Income before final and
dan beban pajak penghasilan 774,433,087 113,226,114 22,797,534 51,559,306 962,016,041 (28,634,383) 933,381,658 income tax expenses
Beban pajak final (43,036,572) (22,930,441) (2,147,027) (1,166,050) (69,280,090) -- (69,280,090) Final tax
Laba sebelum beban pajak Income before income
penghasilan 731,396,515 90,295,673 20,650,507 50,393,256 892,735,951 (28,634,383) 864,101,568 tax expenses
Beban pajak penghasilan (113,957,841) 10,482,639 (3,633,375) (6,480,193) (113,588,770) -- (113,588,770) Income tax expenses
Laba (Rugi) periode berjalan 617,438,674 100,778,312 17,017,132 43,913,063 779,147,181 (28,634,383) 750,512,798 Income (Loss) for the period
INFORMASI LAINNYA OTHER INFORMATION
Aset segmen 18,519,788,550 5,921,683,879 2,764,174,694 53,761,521 27,259,408,644 (909,338,112) 26,350,070,532 Segment assets
Aset yang tidak dapat dialokasikan -- -- -- -- -- -- -- Unallocated assets
Jumlah aset konsolidasian 18,519,788,550 5,921,683,879 2,764,174,694 53,761,521 27,259,408,644 (909,338,112) 26,350,070,532 Total consolidated assets
Liabilitas segmen 11,078,561,698 4,418,803,856 795,955,045 13,606,472 16,306,927,071 (465,406,118) 15,841,520,953 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan -- -- -- -- -- -- -- Unallocated liabilities
Jumlah liabilitas konsolidasian 11,078,561,698 4,418,803,856 795,955,045 13,606,472 16,306,927,071 (465,406,118) 15,841,520,953 Total consolidated liabilities
145
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2023
Asuransi Sewa dan Jumlah
kerugian/ bisnis terkait/ Konsolidasi/
General Reasuransi/ Rental and Lain-lain/ Jumlah/ Eliminasi/ Total
Segmen usaha insurance Reinsurance related business Others Total Elimination Consolidated Business segments
PENDAPATAN REVENUES
Pendapatan premi neto 1,153,694,430 1,907,443,864 -- -- 3,061,138,294 18,793,379 3,079,931,673 Premium income net
Pendapatan (Beban) komisi neto 142,596,491 (612,964,055) -- -- (470,367,564) -- (470,367,564) Commission income net
Pendapatan investasi 399,012,475 147,686,044 41,993,979 243,112,661 831,805,159 (251,975,121) 579,830,038 Investment income
Pendapatan usaha lainnya 33,730,367 -- 349,812,075 105,214,446 488,756,888 (86,666,290) 402,090,598 Other operating revenue
Penghasilan neto dari Net revenues
pelanggan eksternal customers 1,729,033,763 1,442,165,853 391,806,054 348,327,107 3,911,332,777 (319,848,032) 3,591,484,745 from external
Penghasilan neto antar segmen -- -- -- -- -- -- -- Net revenues between segments
Jumlah pendapatan 1,729,033,763 1,442,165,853 391,806,054 348,327,107 3,911,332,777 (319,848,032) 3,591,484,745 Total revenues
Beban underwriting, neto (543,085,048) (1,364,543,735) -- -- (1,907,628,783) (3,404,220) (1,911,033,003) Net underwriting expenses
Beban usaha (715,395,340) (124,112,513) (21,961,312) (35,528,572) (896,997,737) 84,776,781 (812,220,956) Operating expenses
Beban usaha lainnya -- -- (230,683,834) (67,580,148) (298,263,982) -- (298,263,982) Other operating expenses
Beban lain-lain, neto 1,107,010,368 (17,923,534) (18,176,791) 1,579,899 1,072,489,942 (17,889,442) 1,054,600,500 Other expenses, net
Bagian laba bersih atas Share in assosiates
entitas asosiasi 7,763,237 -- -- -- 7,763,237 -- 7,763,237 net income
Laba sebelum beban pajak final Income before final and
dan beban pajak penghasilan 1,585,326,980 (64,413,929) 120,984,117 246,798,286 1,888,695,454 (256,364,913) 1,632,330,541 income tax expenses
Beban pajak final (34,506,733) (15,693,983) (1,408,639) (550,539) (52,159,894) -- (52,159,894) Final tax
Laba sebelum beban pajak Income before income
penghasilan 1,550,820,247 (80,107,912) 119,575,478 246,247,747 1,836,535,560 (256,364,913) 1,580,170,647 tax expenses
Beban pajak penghasilan (291,342,464) 38,862,178 (5,351,159) (20,237,933) (278,069,378) -- (278,069,378) Income tax expenses
Laba (Rugi) periode berjalan 1,259,477,783 (41,245,734) 114,224,319 226,009,814 1,558,466,182 (256,364,913) 1,302,101,269 Income (Loss) for the period
INFORMASI LAINNYA OTHER INFORMATION
Aset segmen 18,666,571,903 5,901,020,745 2,475,050,589 1,806,164,565 28,848,807,802 (3,710,865,187) 25,137,942,615 Segment assets
Aset yang tidak dapat dialokasikan -- -- -- -- -- -- -- Unallocated assets
Jumlah aset konsolidasian 18,666,571,903 5,901,020,745 2,475,050,589 1,806,164,565 28,848,807,802 (3,710,865,187) 25,137,942,615 Total consolidated assets
Liabilitas segmen 10,285,139,311 4,478,288,815 500,273,420 30,826,090 15,294,527,636 (436,443,254) 14,858,084,382 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan -- -- -- -- -- -- -- Unallocated liabilities
Jumlah liabilitas konsolidasian 10,285,139,311 4,478,288,815 500,273,420 30,826,090 15,294,527,636 (436,443,254) 14,858,084,382 Total consolidated liabilities
Segmen Area Geografis Geographical Area Segment
Grup juga mengklasifikasikan bisnis The Group also classifies its business based
usahanya berdasarkan wilayah geografis on geographical area where the assets or
yang ditentukan menurut lokasi aset atau operations are located.
operasi Grup.
Jumlah
Konsolidasi/
Indonesia/ Luar Indonesia/ Jumlah/ Eliminasi/ Total
31 Desember 2024 Indonesia Outside Indonesia Total Elimination Consolidated December 31, 2024
Penghasilan Income
Hasil underwriting neto 924,972,659 (8,335,794) 916,636,865 5,952,556 922,589,421 Underwriting income
Hasil yang tidak dapat
dialokasikan -- Unallocated income
Jumlah 922,589,421 Total
Pelaporan segmen lainnya Other segment reporting
Aset segmen 27,333,678,942 2,606,009,997 29,939,688,939 (3,589,618,407) 26,350,070,532 Segment assets
Aset yang tidak dapat
dialokasikan -- -- -- Unallocated assets
Jumlah 29,939,688,939 (3,589,618,407) 26,350,070,532 Total
Jumlah
Konsolidasi/
Indonesia/ Luar Indonesia/ Jumlah/ Eliminasi/ Total
31 Desember 2023 Indonesia Outside Indonesia Total Elimination Consolidated December 31, 2023
Penghasilan Income
Hasil underwriting neto 655,000,560 28,141,386 683,141,946 15,389,160 698,531,106 Underwriting income
Hasil yang tidak dapat
dialokasikan -- Unallocated income
Jumlah 698,531,106 Total
Pelaporan segmen lainnya Other segment reporting
Aset segmen 24,558,205,788 2,547,482,322 27,105,688,110 (1,967,745,495) 25,137,942,615 Segment assets
Aset yang tidak dapat
dialokasikan -- -- -- Unallocated assets
Jumlah 27,105,688,110 (1,967,745,495) 25,137,942,615 Total
146
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. Aset, Liabilitas dan Hasil Usaha Unit 45. Assets, Liabilities and Results Operations
Bisnis Syariah of Sharia Business Unit
Laporan Posisi Keuangan Statements of Financial Position
2024 2023
Rp Rp
ASET ASSET
Kas dan bank 33,324,828 32,717,537 Cash on hand and in banks
Deposito berjangka 65,944,550 43,239,400 Time deposits
Sukuk 39,875,440 30,123,970 Sukuk
Piutang kontribusi, neto 21,635,351 14,360,326 Contribution receivables , net
Piutang reasuransi 7,938,075 8,558,954 Reinsurance receivables
Aset reasuransi 9,842,848 6,284,666 Reinsurance assets
Aset lain-lain 9,110,951 5,754,699 Other assets
JUMLAH ASET 187,672,043 141,039,552 TOTAL ASSETS
LIABILITAS, DANA PESERTA LIABILITIES, PARTICIPANTS FUND
DAN EKUITAS AND EQUITY
LIABILITAS LIABILITIES
Utang klaim 195,603 238,387 Claim payables
Utang reasuransi 3,773,410 1,917,810 Reinsurance payables
Utang komisi 2,607,308 2,272,209 Comission payable
Penyisihan ujroh 14,005,202 6,707,468 Ujroh payable
Utang ujroh reasuransi 1,117,442 10,724,467 Reinsurance ujroh payable
Penyisihan kontribusi yang belum Unearned contributions provisions
menjadi hak dan penyisihan manfaat reserves and liabilities for
polis masa depan 17,054,128 6,943,148 future policy benefits
Penyisihan klaim 6,195,938 4,672,592 Reserves of claims
Utang lain-lain 3,381,792 2,025,576 Other payables
JUMLAH LIABILITAS 48,330,823 35,501,657 TOTAL LIABILITIES
DANA PESERTA PARTICIPANTS FUND
Dana Tabarru' 36,473,297 23,557,441 Tabarru' fund
EKUITAS EQUITY
Modal kerja 35,000,000 25,000,000 Working Capital
Saldo laba 68,565,434 58,020,096 Retained earnings
Keuntungan (kerugian) yang belum Unrealized gain (loss) on availabe-
direalisasi atas efek - efek for-sale marketable securities
tersedia untuk dijual, neto (697,511) (1,039,642)
JUMLAH EKUITAS 102,867,923 81,980,454 TOTAL EQUITY
JUMLAH LIABILITAS, DANA TOTAL LIABILITIES,
PESERTA DAN EKUITAS 187,672,043 141,039,552 PARTICIPANTS AND EQUITY
147
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Laporan Surplus Defisit Dana Tabarru’ Statements of Surplus Deficit Tabarru’ Fund
2024 2023
Rp Rp
PENDAPATAN ASURANSI INSURANCE REVENUES
Kontribusi bruto 56,230,123 28,206,253 Gross contributions
Ujrah pengelola (24,764,542) (13,329,790) Shareholder's ujrah
Bagian reasuransi (atas risiko) (9,519,764) (5,231,258) Reinsurance share (at risk)
TOTAL PENDAPATAN ASURANSI 21,945,817 9,645,205 TOTAL INSURANCE REVENUES
BEBAN ASURANSI
Beban pembayaran klaim (39,330,142) (18,646,148) Claims expenses
Klaim yang ditanggung reasuransi 34,795,734 15,560,368 Reinsurance claims
Perubahan penyisihan klaim (1,347,809) (583,967) Changes in reserves of claim
Perubahan penyisihan kontribusi Unearned contributions provisions
yang belum menjadi hak dan penyisihan reserves and liabilities for
manfaat polis masa depan (7,092,260) (1,879,248) future policy benefits
Beban adjuster -- (2,636) Adjuster expenses
TOTAL BEBAN ASURANSI (12,974,477) (5,551,631) TOTAL INSURANCE EXPENSES
SURPLUS (DEFISIT) UNDERWRITING 8,971,340 4,093,574 UNDERWRITING SURPLUS (DEFICIT)
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke peserta individual (3,502,973) (368,790) to individual participants
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke entitas Pengelola (2,689,238) (1,843,951) to shareholders
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke dana Tabarru' 2,779,129 1,880,833 to tabarru' fund
PENDAPATAN DAN BEBAN INVESTMENT REVENUES AND
INVESTASI EXPENSES
Pendapatan investasi, neto 293,625 124,717 Investment revenues, net
(Beban) pendapatan lain-lain, neto 9,987,008 8,613,117 (Expenses) other revenues, net
PENGHASILAN KOMPREHENSIF LAINNYA OTHER COMPREHENSIVE INCOME
Perubahan nilai wajar investasi (143,908) -- Changes in investments fair value
SURPLUS (DEFISIT) DANA TABARRU' 12,915,854 10,618,667 TABARRU' FUND SURPLUS (DEFICIT)
SALDO AWAL DANA TABARRU' 23,557,441 12,938,774 BEGINNING BALANCE OF TABARRU' FUND
SALDO AKHIR DANA TABARRU' 36,473,295 23,557,441 ENDING BALANCE OF TABARRU' FUND
Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and Other
Komprehensif Lain Comprehensive Income
2024 2023
Rp Rp
PENDAPATAN REVENUES
Pendapatan ujrah 24,764,541 13,329,790 Ujrah revenues
Pendapatan investasi 3,364,733 2,226,031 Investment revenues
Penurunan (kenaikan) ujrah (3,886,288) (111,912) Decrease (increase) in ujrah
Pendapatan surplus underwriting untuk Underwriting surplus revenues for
dana perusahaan 2,689,238 1,843,951 shareholder fund
TOTAL PENDAPATAN 26,932,224 17,287,860 TOTAL REVENUES
BEBAN EXPENSES
Beban komisi (13,916,862) (5,961,625) Comission expenses
Ujrah reasuransi dibayar (1,097,234) (544,461) Ujrah reinsurance paid
Beban umum dan administrasi (1,787,885) (1,514,165) General and administration expenses
TOTAL BEBAN (16,801,981) (8,020,251) TOTAL EXPENSES
LABA USAHA 10,130,243 9,267,609 INCOME FROM OPERATIONS
Beban lain-lain, neto 1,177,415 110,228 Other expenses, net
LABA SEBELUM BEBAN PAJAK INCOME BEFORE TAX
DAN ZAKAT 11,307,658 9,377,837 AND ZAKAT
Beban Zakat (270,393) (233,861) Final tax expenses
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2024 2023
Rp Rp
LABA SEBELUM BEBAN PAJAK FINAL DAN INCOME BEFORE FINAL TAX
PAJAK PENGHASILAN 11,037,265 9,143,976 EXPENSES AND INCOME TAX
Beban pajak final (491,928) (14,310) Final tax expenses
LABA SEBELUM BEBAN PAJAK INCOME BEFORE INCOME TAX
PENGHASILAN 10,545,337 9,129,666 EXPENSES
Beban pajak penghasilan -- -- Income tax expenses
LABA TAHUN BERJALAN 10,545,337 9,129,666 INCOME FOR THE YEAR
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos yang akan direklasifikasi Items that may be reclassified subsequently
ke laba rugi: Keuntungan to profit or loss: Unrealized
(kerugian) yang belum direalisasi atas gain (loss) on available-for-sale
efek-efek tersedia untuk dijual, neto 342,132 303,121 marketable securities
TOTAL PENGHASILAN KOMPREHENSIF TOTAL INCOME COMPREHENSIVE
TAHUN BERJALAN 10,887,469 9,432,787 FOR THE YEAR
Laporan Perubahan Ekuitas Statements of Changes in Equity
(Kerugian)
keuntungan yang
belum direalisasi
atas efek-efek
tersedia untuk
dijual, neto/
Unrealized gain (loss)
on available-for-sale
Modal kerja/ marketable Saldo Laba/ Jumlah/
Working capital securities, net Retained earnings Total
Rp Rp Rp Rp
Saldo Per 31 Desember 2022 25,000,000 (1,342,763) 48,890,430 72,547,667 Balance as of December 31, 2022
Laba tahun berjalan -- -- 9,129,666 9,129,666 Income for the year
Keuntungan (kerugian) yang belum direalisasi atas Unrealized gain (loss) securities
efek-efek tersedia untuk dijual, neto -- 303,121 -- 303,121 available for sale, net
Saldo Per 31 Desember 2023 25,000,000 (1,039,642) 58,020,096 81,980,454 Balance as of December 31, 2023
Laba tahun berjalan -- -- 10,545,337 10,545,337 Income for the year
Tambahan modal disetor 10,000,000 -- -- 10,000,000 Additional paid-in capital
Keuntungan (kerugian) yang belum direalisasi atas Unrealized gain (loss) securities
efek-efek tersedia untuk dijual, neto -- 342,132 -- 342,132 available for sale, net
Saldo Per 31 Desember 2024 35,000,000 (697,510) 68,565,433 102,867,923 Balance as of December 31, 2024
46. Standar Akuntansi dan Interpretasi 46. New Accounting Standard and
Standar yang Telah Disahkan Namun Interpretation of Standard which Has
Belum Berlaku Efektif Issued but Not Yet Effective
DSAK-IAI telah menerbitkan beberapa DSAK-IAI has issued several new standards,
standar baru, amandemen dan penyesuaian amendments and improvement to standards,
atas standar, serta interpretasi atas standar and interpretations of the standards but not
namun belum berlaku efektif untuk periode yet effective for the period beginning on
yang dimulai pada 1 Januari 2024. January 1, 2024.
Amandemen dan revisi atas standar yang Amendment and revised to standards which
berlaku efektif untuk periode yang dimulai are effective for periods beginning on or after
pada atau setelah 1 Januari 2025, dengan January 1, 2025, with early adoption is
penerapan dini diperkenankan yaitu: permitted, are as follows:
- Amendemen PSAK 221: Pengaruh - Amendments PSAK 221: Foreign
Perubahan Kurs Valuta Asing tentang Exchange Rate regarding Lack of
Kekurangan Ketertukaran; Exchangeability;
- PSAK 117: Kontrak Asuransi; dan - PSAK 117: Insurance Contract; and
- Amendemen PSAK 117: Kontrak Asuransi - Amendments PSAK 117: Insurance
tentang Penerapan Awal PSAK 117 dan Contract regarding Initial Application of
PSAK 109 – Informasi Komparatif. PSAK 117 and PSAK 109 – Comparative
Information.
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Beberapa PSAK juga diamendemen yang Several PSAKs were also amended which
merupakan amendemen konsekuensial were consequential amendments due to the
karena berlakunya PSAK 117: Kontrak enactment of PSAK 117: Insurance Contracts,
Asuransi, yaitu: as follows:
- PSAK 103: Kombinasi Bisnis - PSAK 103: Business Combinatio
- PSAK 105: Aset Tidak Lancar yang - PSAK 105: Non-Current Assets Held for
Dikuasai untuk Dijual dan Operasi yang Sale and Discontinued Operations
Dihentikan
- PSAK 107: Instrumen Keuangan: - PSAK 107: Financial Instruments:
Pengungkapan Disclosures
- PSAK 109: Instrumen Keuangan - PSAK 109: Financial Instruments
- PSAK 115: Pendapatan dari Kontrak - PSAK 115: Income from Contracts with
dengan Pelanggan Customers
- PSAK 201: Penyajian Laporan Keuangan - PSAK 201: Presentation of Financial
Statements
- PSAK 207: Laporan Arus Kas - PSAK 207: Statement of Cash Flows
- PSAK 216: Aset Tetap - PSAK 216: Fixed Assets
- PSAK 219: Imbalan Kerja - PSAK 219: Employee Benefits
- PSAK 228: Investasi pada Entitas - PSAK 228: Investment in Associated
Asosiasi dan Ventura Bersama Entities and Joint Ventures
- PSAK 232: Instrumen Keuangan: - PSAK 232: Financial Instruments:
Penyajian Presentation
- PSAK 236: Penurunan Nilai Aset - PSAK 236: Impairment of Asset
- PSAK 237: Provisi, Liabilitas Kontinjensi - PSAK 237: Provisions, Contingent
dan Aset Kontinjens Liabilities and Contigent Assets
- PSAK 238: Aset Takberwujud - PSAK 238: Intangible Assets
- PSAK 240: Properti Investasi - PSAK 240: Investment Property
Hingga tanggal laporan keuangan ini Until the date of the financial statements is
diotorisasi, Perusahaan masih melakukan authorized, the Group is still evaluating the
evaluasi atas dampak potensial dari potential impact of the adoption of new
penerapan standar baru, amandemen standards, amendments to standards and
standar dan interpretasi standar tersebut. interpretations of these standards.
47. Peristiwa Setelah Periode Pelaporan 47. Event After Reporting Period
Pada tanggal 21 Februari 2025, Entitas On February 21, 2025, the subsidiary,
Anak, PT Tugu Pratama Interindo, PT Tugu Pratama Interindo, liquidated
melikuidasi TRB (London) Ltd sesuai dengan TRB (London) Ltd in accordance with the
Surat Keputusan Final Gazette Notice Final Gazette Notice with No. 02085536.
dengan No. 02085536. Pemberitahuan ini This notice is published in the London
dipublikasikan di London Gazette, yang Gazette, and it signifies that the company has
menandakan bahwa perusahaan tersebut been officially removed from the Companies
telah secara resmi dihapus dari daftar House register and liquidated.
Companies House dan dilikuidasi.
48. Informasi Keuangan Tambahan 48. Supplementary Financial Information
Informasi tambahan yang disajikan dalam Supplementary information presented in these
laporan keuangan ini merupakan bagian financial statements is not required to be
yang tidak diwajibkan oleh Standar disclosed by Indonesian Financial Accounting
Akuntansi Keuangan (SAK), terdiri dari: Standards (SAK), consist of: (unaudited)
(tidak diaudit)
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Status implementasi program Status of the implementation program
a. Status implementasi program a. Guarantee Fund
Adopsi PSAK 117 akan membuat The adoption of PSAK 117 will result in
perubahan akuntansi yang signifikan, significant accounting changes, with an
dengan dampak pada laporan posisi impact on the Group consolidated financial
keuangan konsolidasi dan laporan laba statements of financial position and
rugi konsolidasi Grup. consolidated statement of profit or loss.
Proses implementasi saat ini difokuskan The implementation process is currently
pada evaluasi dampak implementasi focused on evaluating the impact of the
termasuk membentuk kembali implementation including reshaping the
metodologi, pemodelan, sistem methodology, modelling, information
informasi, akuntansi, pelaporan, systems, accounting, reporting, internal
pengendalian internal, dan lain-lain serta control, etc and
membangun informasi komparatif tahun building the comparative 2024 information
2024 dengan menerapkan persyaratan applying transitional requirements on both
transisi pada kedua standar tersebut. standards. Although the work is well
Meskipun pekerjaan ini telah berjalan advance, it is not finalized as of the date of
dengan baik, namun belum final pada this consolidated financial statements.
tanggal laporan keuangan konsolidasian.
Hingga tanggal laporan keuangan Until the date of the consolidated financial
konsolidasian ini diotorisasi, Grup masih statements is authorized, the Group is still
melakukan evaluasi atas dampak evaluating the potential impact of the
potensial dari penerapan standar baru, adoption of new standards, amendments
amandemen standar dan interpretasi to standards and interpretations of these
standar tersebut. standards.
b. Dana Jaminan b. Guarantee Fund
2024 2023
Rp Rp
Perseroan Perseroan
- Konvensional - Konvensional
Obligasi Bonds
Rupiah Rupiah
Obligasi Negara Republik Indonesia Republic of Indonesia Bonds
FR0064 20,000,000 20,000,000 FR0064
FR0071 2,000,000 -- FR0071
Sub jumlah 22,000,000 20,000,000 Sub total
Perseroan Perseroan
- Unit usaha syariah - Unit usaha syariah
Deposito berjangka Time Deposit
Rupiah Rupiah
PT Bank Syariah Indonesia Tbk 5,000,000 5,000,000 PT Bank Syariah Indonesia Tbk
Jumlah 27,000,000 25,000,000 Total
Dana jaminan ini disajikan sebagai This guarantee fund is presented as part of
bagian dari akun “Obligasi”. Adapun "Bonds" account. The placement of the
penempatan dana jaminan diatur pada guarantee fund is regulated by the
Peraturan Otoritas Jasa Keuangan Indonesian Financial Services Authority
Indonesia No. 6 Tahun 2023. Dimana Regulation No. 6 of 2023. Where
Perseroan wajib membentuk dana companies are required to establish a
jaminan paling rendah 20% dari ekuitas guarantee fund of at least 20% of minimum
minimum atau sebesar Rp20.000.000. equity or amounted to Rp20,000,000. The
151
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Adapun ekuitas minimum bagi Perseroan minimum equity for reinsurance companies
reasuransi sebesar Rp100.000.000. Per is Rp100,000,000. As of December 31,
31 Desember 2024, Perseroan telah 2024, the Company has established a
membentuk dana jaminan sebesar guarantee fund of Rp22,000,000
Rp22.000.000 (31 Desember 2023: (December 31, 2023: Rp20,000,000) or
Rp20.000.000) atau sebesar 22% 22% (December 31, 2023: 20%) of
(31 Desember 2023: 20%) dari ekuitas minimum equity. For this reason, the
minimum. Atas hal ini Perseroan sudah Company has complied with the applicable
memenuhi atas ketentuan yang berlaku. provisions.
Dana jaminan adalah dana yang wajib Guarantee funds are the deposit funds that
ditempatkan oleh Unit Usaha Syariah is placed by the Sharia Unit of the
Perseroan yang menyelenggarakan Company that operates its business with
usahanya dengan prinsip syariah the sharia principle according to the
berdasarkan Peraturan Otoritas Jasa Financial Service Authority Regulation
Keuangan No. 72/POJK.05/2016 tanggal (Peraturan Otoritas Jasa keuangan) No.
28 Desember 2016 tentang "Kesehatan 72/POJK.05/2016 dated December 28,
Keuangan Perusahaan Asuransi Dan 2016 regarding the “Financial Health of
Perusahaan Reasuransi dengan Insurance Companies and Reinsurance
Prinsip Syariah". Companies with Sharia Principles”.
b. Analisis Kekayaan dan Batas Tingkat b. Assets Analysis and Calculation of the
Solvabilitas Perseroan Company’s Solvency Margin Limit
Perseroan diwajibkan memenuhi tingkat The Company has to meet a solvency
solvabilitas yang dipersyaratkan oleh margin as required by the Government in
Pemerintah sesuai dengan Peraturan accordance with the Regulation of
Otoritas Jasa Keuangan Financial Service Authority No.
No. 71/POJK.05/2016 sebagaimana 71/POJK.05/2016 as amended by the
diubah dengan Peraturan Otoritas Jasa Regulation of Financial Service Authority
Keuangan No. 5/POJK.05/2023. Untuk No. 5/POJK.05/2023. To manage this
mencapai tingkat solvabilitas tersebut, solvency margin ratio, the Company must
erseroan harus selalu menjaga agar maintain the quality of assets that can be
kualitas aset dapat diperhitungkan regarded as admitted assets.
sebagai aset yang diperkenankan.
2024 2023
Rp Rp
Tingkat solvabilitas Solvency margin
Kekayaan yang diperkenankan 14,491,891,068 14,021,034,174 Admitted assets
Liabilitas (9,993,200,387) (9,351,637,448) Liabilities
Jumlah tingkat solvabilitas 4,498,690,681 4,669,396,726 Total solvency margin
Risiko kredit 335,161,864 417,617,003 Credit risk
Risiko likuiditas -- -- Liquidity risk
Risiko pasar 362,639,661 237,885,502 Market risk
Risiko asuransi 339,213,330 219,059,324 Insurance risk
Risiko operasional 4,154,582 5,853,224 Operational risk
Batas tingkat solvabilitas minimum 1,041,169,437 880,415,053 Minimum solvency margin
Jumlah batas tingkat solvabilitas 3,457,521,244 3,788,981,673 Total exess of solvency margin
Rasio pencapaian solvabilitas 432.08% 530.36% Solvency ratio attained
Perseroan telah memenuhi ketentuan The Company has fulfilled the
dalam peraturan tersebut. requirements outlined in the regulation.
152
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PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN (Lanjutan) FINANCIAL STATEMENTS (Continued)
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Rasio Keuangan c. Financial Ratios
2024 2023
Rp Rp
Aset Lancar Terhadap Liabilitas Lancar 157% 153% Current Assets to Current Liabilities
Investasi Terhadap Cadangan Teknis 590% 541% nvestment to Technical Reserve
Hasil Investasi Terhadap Premi Neto 24% 34% Investment Income to Net Premiums
Rasio Beban Klaim, Ratio of claims expenses, operating
Beban Usaha, dan Komisi 44% 78% expenses and commissions
Biaya Pelatihan dan Pendidikan Training and Education Cost
Terhadap Biaya Gaji dan Tunjangan 0.81% 1.54% to Salary and Allowance Benefi
153
Page 664
Lampiran I Attachment I
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ 31 Desember 2023/ 1 Januari 2023/
December 31, 2024 December 31, 2023 January 1, 2023
Rp Rp Rp
ASET ASSETS
Kas dan bank 189,828,389 306,363,888 374,077,638 Cash on hand and in banks
Investasi Investments
Deposito berjangka 778,574,701 1,684,802,851 723,436,183 Time deposits
Efek-efek Marketable securities
- Nilai wajar melalui laba rugi -- 411 1,283 Fair value through profit or loss -
- Tersedia untuk dijual 4,610,000,177 3,569,166,642 2,338,013,922 Available-for-sale -
Reksadana 456,620,329 460,165,233 844,021,338 Mutual funds
Penyertaan langsung 835,685,000 835,782,227 834,032,132 Direct participation
Piutang premi, neto 1,369,311,733 1,552,578,552 1,688,785,957 Premium receivables, net
Piutang koasuransi, neto 192,273,045 422,878,924 128,981,110 Coinsurance receivables, net
Piutang reasuransi, neto 392,503,804 450,316,458 372,602,686 Reinsurance receivables, net
Piutang lain-lain 116,676,322 86,854,527 37,655,118 Other receivables
Biaya dibayar dimuka dan uang muka 30,044,201 37,087,683 91,722,167 Prepaid expenses and advances
Aset lain-lain 549,161,008 190,016,932 178,712,357 Other assets
Aset tetap, neto 15,611,021 21,090,317 17,940,125 Fixed assets, net
Aset hak guna, neto 10,768,918 29,400,579 7,911,388 Right of use asset, net
Aset reasuransi 6,275,884,997 5,324,279,752 4,711,956,046 Reinsurance assets
Aset pajak tangguhan 90,835,349 94,337,029 103,652,963 Deferred tax assets
JUMLAH ASET 15,913,778,994 15,065,122,005 12,453,502,413 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Utang reasuransi 1,825,502,581 1,893,727,930 1,561,848,857 Reinsurance payables
Utang komisi 96,142,324 67,372,081 38,964,239 Commissions payables
Utang klaim 137,085,087 270,261,576 29,405,234 Claims payables
Utang koasuransi 91,592,644 73,562,226 46,887,949 Coinsurance payables
Beban akrual 192,439,068 208,005,199 78,694,274 Accrued expenses
Tagihan kekurangan pembayaran pajak -- 2,849,766 -- Tax underpayment bill
Utang pajak 45,554,207 145,996,640 51,742,932 Taxes payables
Utang lain-lain 144,369,858 198,103,928 189,170,147 Other payables
Liabilitas imbalan kerja 203,963,166 263,207,061 250,807,152 Employee benefit liabilities
Liabilitas asuransi 7,338,464,925 6,286,631,863 5,607,212,269 Insurance liabilities
Liabilitas sewa 2,667,406 978,276 2,141,947 Lease liabilities
JUMLAH LIABILITAS 10,077,781,266 9,410,696,546 7,856,875,000 TOTAL LIABILITIES
*) Disajikan kembali, lihat lampiran V *) Restated, see attachment V
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Lampiran I Attachment I
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN POSISI KEUANGAN STATEMENTS OF FINANCIAL POSITION
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ 31 Desember 2023/ 1 Januari 2023/
December 31, 2024 December 31, 2023 January 1, 2023
Rp Rp Rp
EKUITAS EQUITY
Modal saham - Nilai nominal Share capital - Par value
Rp50 (nilai penuh) per saham Rp50 (full amount) per share
Modal dasar - 6.400.000.000 saham Authorized - 6,400,000,000 shares
Modal ditempatkan dan disetor penuh - Issued and fully paid -
3.555.575.600 saham dengan jumlah 3,555,575,600 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
per 31 Desember 2024 as of December 31, 2024
Nilai nominal Share capital
Rp100 (nilai penuh) per saham Rp100 (full amount) per share
Modal dasar - 6.400.000.000 saham Authorized - 6,400,000,000 shares
Modal ditempatkan dan disetor penuh - Issued and fully paid -
3.555.575.600 saham dengan jumlah 3.555.575.600 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
per 31 Desember 2023 177,778,780 177,778,780 177,778,780 as of December 31, 2023
Tambahan modal disetor 647,666,679 647,666,679 647,666,679 Additional paid in capital
Keuntungan/(kerugian) yang Changes in fair value of
belum direalisasi dari efek available-for-sale
yang tersedia untuk dijual, neto (70,824,181) 20,640,108 (14,880,353) financial assets
Surplus revaluasi aset tetap 6,715,058 6,575,061 6,283,321 Fixed assets surplus revaluation
Saldo laba Retained earnings
Ditentukan penggunaannya 413,313,271 413,313,271 413,313,271 Appropriated
Belum ditentukan penggunaannya 4,661,348,121 4,388,451,560 3,366,465,715 Unappropriated
JUMLAH EKUITAS 5,835,997,728 5,654,425,459 4,596,627,413 TOTAL EQUITY
JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND
EKUITAS 15,913,778,994 15,065,122,005 12,453,502,413 EQUITY
*) Disajikan kembali, lihat lampiran V *) Restated, see attachment V
Approval for printing Par
Page 666
Lampiran II Attachment II
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ 31 Desember 2023/
December 31, 2024 December 31, 2023
Rp Rp
PENDAPATAN REVENUES
Pendapatan underwriting Underwriting income
Pendapatan premi Premium income
Premi bruto 5,674,198,430 5,048,444,433 Gross premium
Premi reasuransi (4,492,675,033) (4,040,080,863) Reinsurance premium
Perubahan cadangan premi yang Changes in unearned
belum merupakan pendapatan premium reserves and
dan liabilitas manfaat liabilities for future
polis masa depan (287,451,680) (511,841,773) policy benefits
Perubahan aset reasuransi atas Changes in reinsurance
cadangan premi yang assets of unearned
belum merupakan pendapatan premium reserves
dan liabilitas manfaat and liabilities for future
polis masa depan 249,854,765 479,886,782 policy benefits
Pendapatan premi, neto 1,143,926,482 976,408,579 Premium income, net
Pendapatan komisi, neto 100,978,840 174,274,608 Commission income, net
Jumlah pendapatan underwriting 1,244,905,322 1,150,683,187 Total underwriting income
Pendapatan investasi 332,685,585 393,484,737 Investment income
JUMLAH PENDAPATAN 1,577,590,907 1,544,167,924 TOTAL REVENUES
BEBAN EXPENSES
Beban klaim Claim expenses
Klaim bruto (1,044,700,678) (1,563,968,772) Gross claims
Klaim reasuransi 693,432,501 1,173,490,990 Reinsurance claims
Perubahan estimasi Changes in estimated
liabilitas klaim (764,381,382) (167,577,843) claims liabilities
Perubahan aset reasuransi atas Changes in reinsurance assets
estimasi liabilitas klaim 701,750,479 132,436,924 of estimated claims liabilities
Jumlah beban klaim, neto (413,899,080) (425,618,701) Total net claim expenses
Beban usaha (441,911,025) (650,253,169) Operating expenses
Pendapatan (beban) lain-lain, neto 92,421,184 1,103,215,851 Other income (expenses), net
JUMLAH BEBAN (763,388,921) 27,343,981 TOTAL EXPENSES
LABA SEBELUM BEBAN PAJAK INCOME BEFORE FINAL TAX
FINAL DAN PAJAK PENGHASILAN 814,201,986 1,571,511,905 AND INCOME TAX EXPENSES
BEBAN PAJAK FINAL (43,036,572) (34,506,734) FINAL TAX EXPENSE
LABA SEBELUM BEBAN INCOME BEFORE INCOME
PAJAK PENGHASILAN 771,165,414 1,537,005,171 TAX EXPENSES
BEBAN PAJAK PENGHASILAN (113,957,841) (291,342,466) INCOME TAX EXPENSE
LABA TAHUN BERJALAN 657,207,573 1,245,662,705 INCOME FOR THE YEAR
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Lampiran II Attachment II
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN LABA RUGI DAN STATEMENTS OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN (Lanjutan) OTHER COMPREHENSIVE INCOME (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ 31 Desember 2023/
December 31, 2024 December 31, 2023
Rp Rp
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Pos yang tidak akan direklasifikasi Items that will not be reclassified
ke laba rugi: to profit or loss:
(Kerugian) keuntungan Actuarial (loss) gain
aktuarial atas liabilitas on post-employee
imbalan pasca kerja 67,399,431 7,556,359 benefits liability
Surplus revaluasi aset tetap 139,997 291,740 Fixed assets revaluation surplus
Pajak penghasilan terkait pos Income tax related to the items
yang tidak akan direklasifikasi that will not be reclassified
ke laba rugi (13,463,432) (1,662,399) to profit or loss
Pos yang akan direklasifikasi Items that will not be reclassified
ke laba rugi: to profit or loss:
Keuntungan (kerugian) yang belum Unrealized gain (loss)
direalisasi atas efek-efek on available-for-sale
yang tersedia untuk dijual (85,262,276) 40,123,547 marketable securities
Pajak penghasilan terkait pos Income tax related to the items
yang tidak akan direklasifikasi that will not be reclassified
ke laba rugi (6,202,013) (4,603,086) to profit or loss
Jumlah penghasilan komprehensif Total other comprehensive
lain setelah pajak (37,388,293) 41,706,161 income after tax
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN BERJALAN 619,819,280 1,287,368,866 INCOME FOR THE YEAR
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Lampiran III Attachment III
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
(Kerugian)
keuntungan
yang belum
direalisasi atas
efek-efek
tersedia untuk
dijual - neto/ Surplus
Unrealized revaluasi Saldo laba/ Retained earnings
Tambahan (loss) gain on aset tetap/ Belum
Modal disetor/ available - for- Fixed assets Ditentukan ditentukan
Modal Saham/ Additional sale marketable revaluation penggunaannya/ penggunaannya/ Jumlah Ekuitas/
Share Capital paid in capital securities - net surplus Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2023 177,778,780 647,666,679 (14,880,353) 6,283,321 413,313,271 3,366,465,715 4,596,627,413 Balance as of January 1, 2023
Dividen -- -- -- -- -- (229,570,820) (229,570,820) Dividend
Laba tahun berjalan -- -- -- -- -- 1,245,662,705 1,245,662,705 Income for the year
Keuntungan yang belum direalisasi
atas efek-efek tersedia untuk Unrealized gain on available-for-sale
dijual, neto setelah pajak -- -- 35,520,461 -- -- -- 35,520,461 marketable securities, net after tax
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- 5,893,960 5,893,960 benefits liabilities after tax
Surplus revaluasi aset tetap -- -- -- 291,740 -- -- 291,740 Fixed asset revaluation surplus
Saldo pada tanggal 31 Desember 2023 177,778,780 647,666,679 20,640,108 6,575,061 413,313,271 4,388,451,560 5,654,425,459 Balance as of December 31, 2023
Dividen -- -- -- -- -- (438,247,011) (438,247,011) Dividend
Laba tahun berjalan -- -- -- -- -- 657,207,573 657,207,573 Income for the year
Keuntungan yang belum direalisasi
atas efek-efek tersedia untuk Unrealized gain on available-for-sale
dijual, neto setelah pajak -- -- (91,464,289) -- -- -- (91,464,289) marketable securities, net after tax
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- 53,935,999 53,935,999 benefits liabilities after tax
Surplus revaluasi aset tetap -- -- -- 139,997 -- -- 139,997 Fixed asset revaluation surplus
Saldo pada tanggal 31 Desember 2024 177,778,780 647,666,679 (70,824,181) 6,715,058 413,313,271 4,661,348,121 5,835,997,728 Balance as of December 31, 2024
*) Disajikan kembali, lihat lampiran V *) Restated, see attachment V
Approval for printing Paraf:
Page 669
Lampiran IV Attachment IV
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember 2024/ 31 Desember 2023/
December 31, 2024 December 31, 2023
Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari tertanggung, Cash receipts from insured,
reasuradur dan pelanggan 6,546,614,710 5,735,288,993 reinsurers and customers
Pembayaran kas kepada tertanggung, Cash paid to insured, reinsurers,
reasuradur, pemasok dan karyawan (6,121,652,541) (5,073,153,665) suppliers and employees
Penerimaan atas litigasi -- 1,112,349,363 Cash receipts from litigation
Kas diperoleh dari operasi 424,962,169 1,774,484,691 Cash generated from operations
Pembayaran pajak penghasilan (204,329,166) (191,666,518) Income tax paid
Penerimaan klaim atas pengembalian pajak -- 12,306,329 Cash receipts from claim for tax refund
Kas bersih yang diperoleh dari Net cash provided from
aktivitas operasi 220,633,003 1,595,124,502 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Penerimaan bunga 355,603,261 311,325,495 Interest received
Penerimaan dividen 8,608,918 18,871,667 Dividends received
Proceeds from placement
Penempatan investasi, neto (262,069,722) (1,715,277,666) of investments, net
Perolehan aset tetap dan Acquisitions of fixed assets
properti investasi (439,462) (45,584,581) and investment property
Kas bersih yang digunakan Net cash provided used
untuk aktivitas investasi 101,702,995 (1,430,665,085) in investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran dividen (438,247,011) (229,570,820) Dividends paid
Pembayaran liabilitas sewa (624,486) (2,602,347) Payment of lease liabilities
Kas bersih yang digunakan Net cash used
untuk aktivitas pendanaan (438,871,497) (232,173,167) in financing activities
PENURUNAN NET DECREASE
KAS DAN BANK NETO (116,535,499) (67,713,750) IN CASH AND BANKS
CASH AND BANKS
KAS DAN BANK AWAL TAHUN 306,363,888 374,077,638 AT BEGINNING OF YEAR
KAS DAN BANK AKHIR TAHUN 189,828,389 306,363,888 CASH AND BANKS AT END OF YEAR
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Lampiran V Attachment V
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
CATATAN ATAS INVESTASI PADA ENTITAS ANAK NOTES ON INVESTMENTS IN SUBSIDIARIES
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
1. Ikhtisar Kebijakan Akuntansi Penting 1. Summary Of Significant Accounting
Policies
Dasar Penyusunan Laporan Keuangan Basis of Preparation of The Separate
Tersendiri Financial Statements
Laporan keuangan tersendiri disusun sesuai The separate financial statements are
dengan Pernyataan Standar Akuntansi prepared in accordance with the Statement of
Keuangan (“PSAK”) No. 4 (Revisi 2013), Financial Accounting Standards (“SFAS”) No.
“Laporan Keuangan Tersendiri”. 4 (Revised 2013), “Separate Financial
Statements”.
Kebijakan akuntansi yang diterapkan oleh The accounting policies adopted by the
Perseroan dalam penyusunan laporan Company in the preparation of the parent
keuangan tersendiri entitas induk adalah entity’s separate financial statements are the
sama dengan kebijakan akuntansi yang same as the accounting policies adopted in the
diterapkan dalam penyusunan laporan preparation of the consolidated financial
keuangan konsolidasian sebagaimana statements as disclosed in Note 2 to the
diungkapkan dalam Catatan 2 atas laporan consolidated financial statements, except for
keuangan konsolidasian, kecuali untuk investments in subsidiaries which are
investasi pada entitas anak yang dicatat accounted for using cost method and
dengan metode biaya dan investasi pada investments in special purpose entity mutual
entitas bertujuan khusus-reksadana yang funds which are accounted for at net asset
dicatat pada nilai aset bersih. value.
2. Penyajian kembali laporan keuangan 2. Restatement of financial statements
Dalam proses penyusunan laporan In the process of preparing the financial
keuangan entitas induk untuk tahun tahun statements parent entity for the years ended
yang berakhir pada tanggal 31 Desember December 31, 2024 dan 2023. The
2024 dan 2023. Manajemen mengidentifikasi management identified misinterpretation in the
ketidaksesuaian pada laporan keuangan previous financial statement parent entity
entitas induk terdahulu terkait dengan selisih related to the translation adjustment on direct
kurs penjabaran laporan keuangan pada investments.
investasi penyertaan langsung.
Manajemen telah menyajikan kembali akun- Management has restated the accounts related
akun yang terkait dengan aset dan ekuitas to asset and equity as the result of correction
sebagai akibat koreksi atas ketidaksesuaian of the above misinterpretation. The following
tersebut di atas. Tabel berikut merupakan table is a summary of the effects of the
ikhtisar atas dampak dari penyajian kembali restatement of previous financial statement
laporan keuangan entitas induk terdahulu : parent entity:
31 Desember 2023/ December 31,2023 1 Januari 2023/ January 1, 2023
Sebelum penyajian Setelah penyajian Sebelum penyajian Setelah penyajian
kembali/ Before kembali/ After kembali/ Before kembali/ After
restatement restatement restatement restatement
Rp Rp Rp Rp
ASSETS ASET ASSETS
Direct participation Penyertaan langsung 1,890,442,806 835,782,227 1,888,692,711 834,032,132 Direct participation
EQUITY EKUITAS EQUITY
Retained earnings Saldo laba Retained earnings
Unappropriated Belum ditentukan penggunaannya 5,443,112,139 4,388,451,560 4,421,126,294 3,366,465,715 Unappropriated
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Page 671
Lampiran V Attachment V
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
ENTITAS INDUK PARENT ENTITY
CATATAN ATAS INVESTASI PADA ENTITAS ANAK NOTES ON INVESTMENTS IN SUBSIDIARIES
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2024 dan 2023 December 31, 2024 and 2023
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
3. Penyertaan Langsung Dan Investasi Di 3. Direct Participation And Investment In
Entitas Bertujuan Khusus Special Purpose Entity
Pada tanggal 31 Desember 2024 dan 2023, As of December 31, 2024 and 2023, the parent
entitas induk memiliki penyertaan langsung entity have direct participation which
pada entitas yang dicatat dengan biaya accounted at cost method as follows:
perolehan sebagai berikut:
31 Desember 2024/ 31 Desember 2023/
December 31, 2024 December 31, 2023
Rp Rp
Entitas anak S ubs i di ari es
PT Tugu Pratama Interindo 727,910,000 727,910,000 PT Tugu Pratama Interindo
Tugu Insurance Company Limited Tugu Insurance Company Limited
(Hongkong) 79,350,000 79,350,000 (Hongkong)
YHT & Company Limited -- 97,227 YHT & Company Limited
Entitas Asosiasi A s s oc i at e ent i t y
PT Asuransi Samsung Tugu 4,500,000 4,500,000 PT Asuransi Samsung Tugu
Kepemilikan dibawah 20% O w ners hi p bel ow 20%
PT Reasuransi Maipark Indonesia 23,925,000 23,925,000 PT Reasuransi Maipark Indonesia
Saldo akhir 835,685,000 835,782,227 Ending balance
Approval for printing Paraf:
Page 672
Courage to Keep
Moving Forward
2024
Laporan Tahunan
Annual Report
PT Asuransi Tugu Pratama Indonesia Tbk
Head Office:
Wisma Tugu I
Jl. H.R. Rasuna Said Kav. C 8-9
Jakarta 12920, Indonesia
Phone : (62-21) 529 61 777 (hunting)
Fax : (62-21) 529 61 555
email : calltia@tugu.com
Berizin dan Diawasi oleh
Otoritas Jasa Keuangan (OJK)
www.tugu.com
Names mentioned 182 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Indonesia Tbk
p.2 ×2
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Relationships
· Komisaris
p.6
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Checklist
· Anggota
p.7
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Circular Letter
· Komisaris
p.7
unresolved
org
UOB Kay Hian Pte.Ltd
p.29
unresolved
org
Bank Pembangunan Daerah Jawa Timur Tbk
p.32 ×4
unresolved
org
Bank Jatim
p.32 ×4
unresolved
org
Bank Jatim’s
p.32
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org
Bank Jatim. Kerja
p.32
unresolved
org
Yayasan Karya Salemba Empat
p.33
unresolved
org
Yayasan Kita Bisa
p.33
unresolved
org
Yayasan Kita Bisa. Berbagai
p.33
unresolved
org
PT Bursa Efek TUGU Golf Charity
p.35
unresolved
org
Indonesia Stock Exchange
p.35 ×4
unresolved
org
PT Bursa Efek Indonesia Peraturan No. I-E
p.35
unresolved
org
Bank Indonesia
p.39 ×5
unresolved
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Bank Indonesia’s
p.39
unresolved
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Financial Services Authority
p.43 ×10
unresolved
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Menteri Badan Usaha Milik Negara
p.46
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Integrated Governance Committee
· Komisaris
p.46
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Rahadiansyah
p.47 ×2
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Samuel Ramna
· Komisaris
p.47 ×7
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Bank Financial Institutions
p.49
unresolved
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Tahun 2024 merupakan tahun yang penuh tantangan
p.58
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sekaligus pencapaian luar biasa bagi Tugu Insurance.
p.58
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menyampaikan apresiasi yang setinggi-tingginya serta
p.58
unresolved
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atas dukungan dan kepercayaannya
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Tugu Insurance. Kami berkomitmen
p.58
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terus melangkah maju dengan inovasi dan integritas
p.58
unresolved
org
Tugu Pratama Indonesia Tbk
p.60 ×15
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Technical
· Director
p.61 ×2
unresolved
org
(“Tugu”)
· Company Name
p.64
unresolved
person
Kie
· Notaris
p.64
unresolved
org
Menteri Kehakiman Republik Indonesia
p.64
unresolved
org
Pengadilan Negeri
p.64
unresolved
person
Tan Thong Kie
p.64
unresolved
org
Minister of Justice
p.64
unresolved
org
District Court
p.64 ×2
unresolved
org
PT Tugu Pratama
p.65 ×2
unresolved
org
Menteri Kehakiman
p.65
unresolved
org
Minister of Justice Republik Indonesia
p.65
unresolved
person
Notary S.H.
p.65
unresolved
org
PT Asuransi Tugu Pratama
p.65
unresolved
org
Menteri
p.65 ×2
unresolved
org
Minister of Law and Human dan Hak Asasi Manusia Republik
p.65
unresolved
person
Fathiah Helmi
p.67 ×2
unresolved
org
Menteri Hukum dan Hak
p.67
unresolved
org
Minister of Law and Human Rights
p.67
unresolved
org
PT Tugu Pratama Interindo
p.68 ×5
unresolved
org
PT Tugu Pratama Holding
p.68 ×2
unresolved
org
PT Asuransi Jiwa Tugu Mandiri
p.69 ×2
unresolved
org
Dana Pensiun Pertamina.
p.69
unresolved
org
PT Tugu Reasuransi Indonesia
p.69 ×2
unresolved
org
Dana Pensiun Pertamina. A
p.69
unresolved
org
Kementerian BUMN
p.73 ×2
unresolved
org
Ministry of SOEs
p.73
unresolved
person
Jose Dima Satria Jose Dima Satria S.H.
p.76 ×5
unresolved
org
Departemen Umum
p.76
unresolved
org
Direktorat Jenderal Moneter Dalam Negeri
p.76
unresolved
org
Ministry of Finance
p.77 ×2
unresolved
org
Directorate General of Domestic Monetary Affairs
p.77 ×2
unresolved
org
PT Tugu License
p.77
unresolved
org
Minister of Finance Decree
p.77
unresolved
person
Dr. Cipto Mangunkusumo
p.87
unresolved
org
Tugu Insurance Company Limited
p.87
unresolved
person
Layanan Korporat
· Direktur Teknik
p.91
unresolved
—
East Java. Diangkat
· Presiden Komisaris
p.95
unresolved
person
Notary Mala Mukti S.H.
p.95 ×2
unresolved
—
South Jakarta. Diangkat
· Komisaris
p.97
unresolved
person
Notary Jose Dima Satria S.H.
p.97 ×2
unresolved
org
Nasional Sertifikasi
p.97 ×2
unresolved
org
Shanghai Banking Corporation Limited Jakarta Branch Corporation Limited
p.97
unresolved
org
PT Bank ANZ
p.97
unresolved
org
PT Bank ANZ Indonesia
p.97 ×3
unresolved
org
Kementerian Keuangan
p.97
unresolved
org
Nasional
p.99 ×2
unresolved
org
PT Nusantara Sugihartana
p.99
unresolved
org
PT Nusantara Sugihartana Internasional
p.99 ×2
unresolved
org
PT Pertamina Tongkang
p.101 ×2
unresolved
org
Pertamina Energy Energy Trading Limited
p.101
unresolved
org
PT Patra
p.101
unresolved
org
PT Patra Jasa. Ia
p.101
unresolved
org
PT HRD Indonesia
p.103
unresolved
org
PT Bina Kompetensia
p.103
unresolved
org
PT BSI Group Indonesia
p.103
unresolved
org
PT Pertamina Lubricants
p.103 ×2
unresolved
org
PT Pertamina International
p.103 ×2
unresolved
org
PT Pertamina International Timor
p.103
unresolved
org
PT Pertamina International Shipping
p.103
unresolved
person
Pemantau Risiko
· Komisaris
p.104
unresolved
org
Sugihartana Internasional
· Commissioner
p.104
unresolved
org
Tugu Insurance
· Komisaris Independen
p.104
unresolved
person
Nominasi
· Komisaris Independen
p.104
unresolved
org
Remunerasi Tugu Insurance
· Commissioner
p.104
unresolved
org
Syariah
· Komisaris
p.105 ×6
unresolved
person
Sharia
· Commissioner
p.105 ×4
unresolved
person
Tatang Hurhidayat
· Presiden Direktur
p.107 ×3
unresolved
person
Teknik
· Direktur Teknik
p.107 ×3
unresolved
org
PT Reasuransi Maipark
p.118
unresolved
org
PT Reasuransi Maipark Indonesia
p.118
unresolved
org
PT Pratama Mitra
p.118
unresolved
person
Sejati
· Director
p.118
unresolved
org
PT Pratama Mitra Sejati
p.118
unresolved
person
Interindo
· Director
p.118
unresolved
org
PT Asuransi Samsung Tugu
p.118 ×2
unresolved
org
PT Synergy Risk Management Consultants
p.118
unresolved
org
Tugu Insurance Co Ltd
· Direktur Teknik
p.118 ×2
unresolved
org
Departemen Pembelajaran & Pengembangan
p.122
unresolved
org
PT Dantindo Entrycom
p.130 ×2
unresolved
org
Samsung Fire and Marine Insurance Co. Ltd.
p.130
unresolved
org
Marine Insurance Co. Ltd.
p.130
unresolved
—
(di bawah 5%)
p.130
unresolved
org
Government of the Republic of Indonesia
p.133
unresolved
org
Kementerian BUMN Indonesia Goverment
p.133
unresolved
org
Kementerian Badan Usaha Milik
p.133
unresolved
person
Dr. Drs. H. Mochamad Iriawan
p.134 ×2
unresolved
person
Iriawan
· Komisaris Utama
p.134
unresolved
person
Bambang Suswantono
p.134 ×2
unresolved
person
Drs. Condro Kirono
p.134 ×3
unresolved
person
Raden Adjeng Sondaryani
p.134 ×2
unresolved
person
H. Achsien
p.134 ×2
unresolved
org
Reksa Dana Government
p.197 ×3
unresolved
org
PT Bank Ekspor Impor Indonesia (Persero)
p.197
unresolved
org
PT Bahana TCW Investment Management
p.197
unresolved
org
PT Semen Padang
p.197
unresolved
org
PT Berlian Jasa Terminal Indonesia
p.197
unresolved
org
PT Pupuk Kalimantan Timur
p.197
unresolved
org
PT Petrokimia Gresik
p.197
unresolved
org
PT Pupuk Sriwidjaja Palembang
p.197
unresolved
org
PT Pupuk Iskandar Muda
p.197
unresolved
org
PT Pupuk Kujang Cikampek
p.197
unresolved
org
PT Citilink Indonesia
p.197
unresolved
org
PT Patra Logistik
p.197
unresolved
org
Minister of Milik Negara Republik Indonesia
p.202
unresolved
org
Ministry of State-Owned
p.207
unresolved
org
Milik Negara No. SK-
p.207
unresolved
org
Minister of State-Owned Enterprises Decree No. SK-
p.207
unresolved
org
Milik Negara
p.207
unresolved
org
PT Pratama Indomitra Konsultan Assessor Name Periode Penilaian
p.207
unresolved
person
H. R. Rasuna Said
p.207
unresolved
person
Very Good
· Komisaris
p.208
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